Welcome to the Experian Thought Leadership Hub

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

The latest Experian Commercial Pulse Report provides a sharp look at how recent economic shifts are impacting small businesses across the U.S., with a special focus on supply chains, specifically the transportation industry, which is experiencing fallout from changing trade policies. Are industry-specific models effective in mitigating risk?

Check out the full report to see how these trends could impact your strategy!

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While the US labor market remains on decent footing, it has become increasingly challenging to land a job. For lenders, current dynamics suggest there could be greater-than-expected stress in higher-income households and in the Prime credit segments of the market if layoffs increase and job opportunities for these workers remain scarce. Insights include:

• Businesses are scaling back on hiring due to economic uncertainty and AI uptake
• Employment in both tech-centric and broader professional and business services has been stagnant
• Higher-educated/white-collar workers feeling the strain of a challenging job market

As we progress through 2025, economic conditions continue to shift as uncertainty climbs. Discover our experts' insights on how they anticipate the economic landscape to evolve throughout 2025, as they delve into the latest trends and forecasts.

Instead of relying on reactive, fragmented data, financial institutions need streamlined, governed and integrated feature development capabilities to accelerate model development and enhance transparency.

Experian Feature Builder provides:

• Centralized data access
• Advanced lineage tracking
• Streamlined feature registry
• Key statistical reporting
• Comprehensive feature lifecycle support

Read our latest e-book to discover how your organization can transform raw data into custom, high-value features quickly and easily.

The latest Experian Commercial Pulse Report reveals a complex but fascinating picture of the U.S. economy and the small business landscape. According to Javier Rodriquez-Paiva’s research, while headline indicators suggest moderation, like slowing inflation and a steady unemployment rate, beneath the surface, disparities in recovery and credit performance continue to deepen.

Check out the full report to see how these trends could impact your strategy!

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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.

Managing credit limits effectively can help financial institutions maintain a healthy, profitable credit card portfolio. Proactively increasing credit limits can enhance your ability to provide excellent customer satisfaction and drive higher revenue.

Lenders can strategically implement proactive credit limit increases to:

• Increase interchange income
  
• Generate additional interest income
  
• Enhance wallet share
  
• Reduce customer attrition
  
• Improve customer experience

Proactive credit limit increases give customers access to more credit, which can positively impact their financial health and help you drive business growth.

If we go into a recession, what does it mean for lending activity? What does it mean for delinquency? As banks, credit unions and fintechs grapple with these questions, sometimes it helps to look to the past for guidance.

In this latest Macro Moment, take a quick look back at prior recessions and their impact on unemployment, delinquency, and loan growth. Key insights include:

• In the last five downturns, unemployment peaked an average of three quarters after the recession ended.
  
• In the last four recessions, 30+ DPD delinquency on all loans increased by an average 1.6 percentage points.
  
• In the prior five recessions, quarterly credit growth slowed from 1.9% in the two years in the lead up to recession to -0.1% in the year following a recession.