Welcome to the Experian Thought Leadership Hub

Most commercial risk models are designed to assess every industry. Construction operates by a different set of rules. Explore the data, research, and analytics behind Experian's first construction-specific score and learn how trade creditors can improve risk visibility, credit decisions, and portfolio performance.

Explore Experian's Q3 2026 U.S. economic outlook and scenarios forecasts.

• See GDP projections for 2026 and 2027.
  
• Understand the outlook for inflation and unemployment.
  
• Review expectations for Federal Reserve interest rates.
  
• Compare base-case, optimistic and pessimistic scenarios.

Explore key trends shaping the U.S. labor market and how workers are faring in today's economy.

• Examine job creation, unemployment and wage growth
• Explore research on AI's labor market impact
• See how healthcare is driving employment growth

Telecom providers are operating in a mature market where customer behavior and credit trends are shaping performance. This report explores how those shifts influence outcomes across the lifecycle, including:

• Early-stage delinquency and payment behavior
• Acquisition and upgrade exposure
• Alternative data, including ITIN populations
• Lifecycle drivers of long-term performance

Read the latest State of Fintech Report to see strategy playbook fintechs are implementing in 2026 and beyond. Key insights include:

• How fintech leaders are balancing growth, fraud risk and portfolio performance
• Why data strategy is becoming a competitive advantage in credit decisioning
• How identity, credit and behavioral signals are enabling smarter lifecycle decisions
• Practical actions fintech organizations can take to grow with confidence in 2026

Understand the economic and consumer trends shaping today's lending environment.

• U.S. economic outlook and market conditions
• Consumer credit demand and financial stress trends
• Lending performance across major credit products
• Key indicators to inform lending and portfolio strategies

Credit card performance remains a key indicator of consumer financial health. Join Experian experts as they explore the latest credit card trends shaping 2026.

• Credit card balances, utilization, and payment behavior
• Delinquency and risk trends across consumer segments
• What lenders and businesses should watch in 2026

AI is being adopted faster than the internet and personal computer, and financial services organizations are at the forefront of the transformation. Discover how lenders are leveraging AI across the lending lifecycle – from underwriting and origination to portfolio management – and what these innovations mean for the future of credit.

• Understand how affordability is reshaping renter behavior
• Explore generational shifts and rising rent burdens
• Analyze mobility, migration and payment trends
• Learn how financial conditions impact renter outcomes