Latest Thought Leadership resources from Experian

23 resultsPage 1

Report

29 July 2025

State of Fintech 2025: Trends, Risks & Growth Strategies

The fintech landscape is evolving rapidly—and 2025 is a pivotal year. Experian’s State of Fintech 2025 Report delivers exclusive insights into the market forces, consumer behaviors, and credit trends shaping the future of financial services. Learn how leading fintechs are adapting and where the next wave of growth is emerging.

In this report, you’ll discover:

  • How fintechs are regaining market share in unsecured personal loans
  • The impact of rising delinquencies and student loan repayments
  • What Gen Z and Millennial borrowers expect from digital lenders
  • 7 strategic imperatives to scale responsibly in a volatile market
White Paper

01 July 2025

Unlocking the Equity Era: Why 2025 is the Year of the HELOC

This white paper explores the transformative potential of Home Equity Lines of Credit (HELOCs) in 2025, a year marked by record-high homeowner equity and shifting consumer credit behavior. It offers data-driven insights into how lenders can tap into the $29 trillion in untapped equity by leveraging advanced analytics, behavioral segmentation, and digital innovation to meet evolving borrower needs.

Key Takeaways:

  • $29T in Untapped Equity: Millions of homeowners are ideal HELOC candidates but remain underserved.
  • Behavior Gap: Many consumers default to credit cards due to misconceptions about HELOCs.
  • Smart Targeting: Use data to identify Revolvers and tailor offers that resonate.
  • Digital Advantage: Compete with fintechs by streamlining approvals and closings.
Webinar

27 June 2025

Innovation for Changing Market Dynamics Webinar

Join our speakers Ankit Sinha and Erin Haselkorn to discover how Experian’s AI solutions help financial institutions accelerate the modeling lifecycle, integrate efficient feature deployment, and achieve regulatory compliance.

Learn from our experts about:

  • New automation in model building and deployment
  • Model governance and compliance
  • Innovative ways to leverage data throughout the customer lifecycle
Webinar

18 June 2025

Exposed: Identity Risk, the Dark Web and the Score that Changes the Game

Join Experian’s Dark Web Intelligence Team to explore how to score consumers’ identity health and the benefits for both businesses and consumers.

We'll break down:

  • The accelerating risk of identity exposure on the dark web and what it means for your organization and your customers
  • Case studies of fraud events detected through dark web alerts
  • How Experian's Identity Health Score translates signal data into action, helping you identify at-risk consumers, upsell safely, inform cyber insurance strategies, and protect employees
Infographic

05 June 2025

183% ROI and 12-Month Payback

Based on interviews with global financial institutions, the Forrester Total Economic Impact™ study, commissioned by Experian, reveals real customer impact stories and business wins delivered by the Experian Ascend Platform™. This infographic shares some of the key findings.

Key insights include:

  • 183% return on investment (ROI) and $13.3M in net present value (NPV) over three years
  • A car leasing company’s approval rates increased from 60% to 66%, improving consistency and revenue growth
  • An airline reduced fraud chargebacks by 99.9%, lowering regulatory risks and financial losses.
Case Study

03 June 2025

The Total Economic Impact™ of Experian Ascend Platform

The Forrester Total Economic Impact™ (TEI) study, commissioned by Experian, explores the quantifiable and unquantified benefits of implementing the Experian Ascend Platform™. Based on interviews with global financial institutions, the report provides a comprehensive analysis of how the platform improves credit decisioning, reduces fraud, and delivers significant ROI.

Key insights include:

  • 183% return on investment (ROI) and $13.3M in net present value (NPV) over three years
  •  67% improvement in credit decisioning efficiency
  • 20% reduction in default costs through better risk modeling
  • 5% annual growth in application volume without added headcount
White Paper

13 May 2025

GenAI in finance: a formula for growth and profitability

GenAI isn’t just changing the financial services industry; it’s redefining it. When faced with industry challenges and economic uncertainty, leading financial institutions strategically leverage GenAI to drive business growth and profitability.

Experian’s latest innovation, Experian Assistant, is empowering financial institutions stay ahead of the competition while driving strong business results.

Experian Assistant enables organizations to:

  • Enhance operational efficiency
  • Reduce costs
  • Improve customer experience

Download our latest white paper to unlock insights into how you can improve internal productivity, serve your customers more effectively and generate revenue.

eBook

18 April 2025

Win More Business and Minimize Risk with Loan Loss Analysis

Lending institutions can gain an edge on the competition by determining what happens when a loan gets booked elsewhere. With loan loss analysis, lenders can learn more about where these lost loans are booked, the average loan amount, the interest rate, the loan term length, and the average risk score.

Analyzing this information can help lenders:

  • Improve lead quality
  • Target the right consumers
  • Acquire more high-quality loans
  • Increase cross-sell opportunities
Infographic

04 April 2025

What traditional models miss about today's borrowers

Relying solely on traditional credit scores can leave you with a limited view into consumers’ financial stability.

See how integrating alternative data can help you:

  • Identify more qualified borrowers
  • Spot potential risks
  • Strengthen portfolio performance