Welcome to the Experian Thought Leadership Hub

Discover how an e-commerce company strengthened fraud prevention using email-based identity intelligence to:

• Identify suspicious accounts during registration and guest checkout.
• Reduce fake accounts, attempted fraud and chargebacks.
• Improve conversion while minimizing friction for legitimate customers.
• Implement a new fraud prevention approach in approximately two weeks.

A national credit card issuer refreshed its financial wellness program with Digital Identity Manager to strengthen engagement and grow paid bundle revenue.

• Increased the paid bundle price by 18%
• Recorded 27,315 Digital Identity Manager activations in the first year
• Increased average new acquisitions by 47%, with a 1% increase in average deactivations

See how behavioral analytics strengthened post-login fraud detection.

• Learn how we integrated across 200+ ecosystem points.
• Discover how fraud detection increased 2X versus incumbent tools.
• Explore how connected signals exposed organized fraud rings.

See how NeuroID helped a money transfer leader reduce ATO losses and improve fraud detection. Achieved $1.4M in annualized gross savings by reducing fraud losses and operational costs. Explore the results:

• Delivered a 56x lift in chargeback predictive power using behavioral, device and network signals.
• Increased conversion rates by 2% while reducing manual reviews and maintaining a frictionless experience.
• Strengthened account takeover protection with real-time behavioral analytics and decisioning.

Learn how a proactive credit card graduation strategy helped America First Credit Union responsibly expand member relationships while maintaining strong portfolio performance.

• Increased more than 32,000 credit card limits
• Generated approximately $26 million in balance growth
• Maintained just 0.59% delinquency

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

Every lending decision you make relies on data, but what if that data only tells part of the story? Download our use case to meet two borrowers, Claudia and John, and discover how alternative data can help you:

• Reveal hidden financial stability in members.
• Identify early warning signs of risk.
• Enable more accurate and inclusive lending decisions.
• Drive stronger member relationships.

Our use cases share real-world examples of how cash flow insights help grow portfolios responsibly while expanding credit access. Explore scenarios across borrower types, including: 

• Gig workers and freelancers with fluctuating income 
• Small business owners with nontraditional cash flow patterns 
• Thin-file and new-to-credit consumers lacking traditional credit history 
• Subprime borrowers demonstrating positive financial behavior

Terrace Finance turned to behavioral analytics to stay ahead of evolving fraud. With real-time, pre-submit visibility, they detected and stopped attacks faster, reduced manual reviews, and protected lending partners from risk.

Key Results:

• 50+ reduction in manual reviews
• Reduced fraud for lending partners by over 50%
• $250K in potential losses prevented in a single attack