Welcome to the Experian Thought Leadership Hub

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

Get ahead of the 2026 holiday shopping season with our expert prep guide. Discover proven strategies, marketing tips, and consumer insights to maximize loyalty and retention efforts, boost customer engagement, and ensure you are top of wallet.

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 sought out a solution to stay ahead of evolving fraud attacks. They landed on NeuroID’s behavioral analytics — and gained immediate, pre-submit visibility that upgraded their fraud prevention strategy.

Key Results:

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

Experian surveyed product, fraud and credit risk leaders across 10 countries to understand where underwriting is headed. The takeaway is clear: it’s evolving to be frictionless, embedded and nearly instant.

In this report, you’ll discover:

• How credit underwriting is expected to evolve by 2030
• The primary forces driving these changes
• Key takeaways to help your business lead into the next decade

Discover the transformative trends reshaping the future of underwriting, from agentic AI to alternative credit data.

A few spoilers:

• 80% of leaders will leverage alternative data vs. traditional data by 2030.
• 62% see fraud prevention as one of the key reasons for alternative data adoption
• More than 61% anticipate that scoring, decisioning and data collection will be outsourced by 2030.

2025 has presented a new wave of challenges for workers and employers to navigate. From immigration policy changes and federal employment cuts, to growing AI capabilities, reduced hiring and job creation revisions, we have seen new dynamics evolve this year that will likely continue to impact the labor market going forward.

The Q3 Labor Market Monitor tracks data from a variety of sources to shed light on these dynamics and gives readers a more comprehensive view of the job market.

According to Experian’s latest Commercial Pulse Report, business formation remains strong:

• 471,000 new business applications were filed in July alone
• Between 2018 and 2023, the number of new businesses establishing commercial credit rose by 38%
• New businesses today look more financially stable than those from earlier years

What’s driving this resilience?

👉 Faster tech adoption

👉 Hybrid business models

👉 Stronger financial fundamentals

The pandemic forced small businesses to transform at record speed. Now, they’re leveraging those lessons to build smarter, more adaptable enterprises.

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

Subscribe to Commercial Pulse Report

Financial institutions face several challenges during the credit decisioning process, such as poor data quality, scalability issues, data fragmentation, and high maintenance costs. Experian can help lending institutions enhance their credit decisioning journey at every step, through:

• Model development
• Model deployment
• Decisioning
• Fraud analysis

Discover how your organization can take your credit decisioning journey to the next level with the Experian Ascend Platform™.