Welcome to the Experian Thought Leadership Hub

Download the latest Alternative Financial Services Trend Report to reveal new insights on growth and risk, including:

• Loan volume is up 21% YoY across installment and single pay products
• Installment bad rates declined 6.8% YoY
• Returning borrowers grew 26.5% YoY in RTO/LTO

In this webinar, Experian experts explore how organizations can apply proven consumer fraud prevention tactics to strengthen commercial lending defenses.

What you'll learn:

• How consumer fraud strategies can be adapted for commercial use cases
• Where commercial lending is most exposed and how to mitigate risk
• How shared signals across identity, behavior and devices can improve detection

Discover a faster, more efficient way to bring financial wellness and privacy solutions to market. Learn how to:

• Deliver in-demand financial wellness and identity protection solutions. 
• Accelerate build and integration with developer-friendly tools.
• Launch experiences that drive engagement from day one, not months later.
• Continuously optimize through partnership, insight and iteration.

Education Credit Union modernized underwriting with Experian’s Advanced Decisioning—driving faster decisions, stronger approvals, and rapid ROI in a competitive market.

• 5-month payback period
  
• 4.4% lift in performance & funding
  
• $4M+ incremental originations

Gain a clearer view of how consumers earn, spend, and manage their money in today’s evolving economic landscape. In this webinar, Experian experts break down the financial behaviors shaping demand, risk, and growth—using macroeconomic trends, credit data, and transaction-level cash flow insights.

• Key trends in spending, income stability, and cash flow
• What credit and cash flow signals reveal about your customers
• How to apply these insights to marketing, risk, and growth strategies 

Model classification now drives governance in AI environments—but many frameworks lag reality. Static, inconsistent approaches create risk as inventories grow.

• Refresh classification continuously
  
• Map dependencies and shadow models
  
• Standardize decisions and documentation

The consumer credit market entered 2026 on stable footing, but rising uncertainty - from geopolitical conflict, energy costs, and interest rates - is reshaping the outlook for lenders and consumers alike. Explore what’s changing and what it means for your strategy.

• Delinquencies stabilizing, standards easing
  
• Rising costs pressuring consumer affordability
  
• New risks shaping lending growth outlook

Your most valuable customers don’t announce their departure. By the time balances decline or activity slows, competitors have already captured share of wallet.

Download our strategic snapshot to learn how your institution can identify behavioral shifts early, respond confidently and accelerate high-value customers forward.

Did you know?

• Customers typically hold less than 50% of their deposits or loans with a single institution.
• Selling to an existing customer can be up to 10x more successful than acquiring a new one.
• A 5% increase in customer retention can boost profits by 25% to 95%.

Bayesian Optimization offers a more efficient way to tune machine learning models at scale. This white paper presents a controlled comparison with Grid Search using production credit-risk data to measure runtime and model performance.

• Up to 80× faster hyperparameter tuning
• No loss in CV or holdout AUC
• Evidence from LightGBM credit-risk models
• Guidance for governed ML environments