Welcome to the Experian Thought Leadership Hub

As the U.S. economy continues to recalibrate post-pandemic, the transportation and warehousing segments of the logistics sector are signaling caution. While the broader logistics industry has remained in expansion mode, Experian’s latest Commercial Pulse Report reveals that delinquencies are rising—an early warning of growing risk in two of the economy’s most critical subsectors.

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

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The U.S. economy continues to surprise with its resilience - growth forecasts are improving, equity markets are hitting new highs, and fears of an imminent recession are fading. Joseph Mayans’ Vision 2025 session, “Navigating 2026: Global Macro Shifts, U.S. Credit Trends and the Evolving Lending Landscape,” explored the economic forces shaping the next year - from the AI-driven equity boom to structural vulnerabilities in the white-collar labor market. His key takeaway: while AI innovation is fueling growth and optimism, it also introduces new dependencies and risks that will define the next economic chapter.

Highlights:

• The AI Trade’s Dominance: Economic optimism is increasingly tied to the AI investment cycle—AI spending fuels stock gains, which in turn sustain higher-income consumer spending.
• Potential Vulnerability: Overreliance on AI-driven growth leaves the economy exposed if those massive investments fail to deliver expected productivity gains.
• Labor Market Shifts: AI is intensifying existing white-collar labor market imbalances—more graduates, fewer roles, and increasing automation pressure.
• Credit Market Implications: Rising white-collar vulnerability poses a growing risk for prime credit segments, especially if economic momentum slows.
• Future Readiness: As Sol Rashidi emphasized, humans’ edge lies in creativity and critical thinking—skills that should be strengthened, not outsourced, to AI.

Explore Experian’s latest State of Student Loans white paper to uncover key trends, borrower insights, and the evolving impact of student debt on financial health. Learn how data-driven solutions can help lenders and consumers navigate today’s student loan landscape.

Key considerations include:

• Strategies to engage consumers proactively to provide resources
• Recalibration of risk models
• Mitigating fraud while navigating the changing landscape

Experian’s latest Commercial Pulse Report dives into the financial health of the restaurant sector amid rising costs and shifting consumer behavior.

Key insights:

• Menu prices at Full-Service Restaurants rose 4.6% in August — outpacing inflation.
• Limited-Service Restaurants are showing improved credit risk scores, suggesting stronger adaptability.
• Credit access is tightening across the board, with average credit limits falling below $6,000.
• Revolving credit utilization is climbing — an early signal of potential cash flow strain.

What does this mean for lenders and decision makers?

✅ Not all restaurant types face the same risks.

✅ Segmenting credit strategies is more important than ever.

✅ Watch utilization and inquiry trends closely — they may be early indicators of distress.

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

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The U.S. economy shows signs of steady growth in Q3, yet challenges remain. A cooling labor market and persistent inflation create uncertainty, prompting lenders to stay cautious while adapting. Even in this dynamic environment, growth opportunities continue to emerge across the industry.

The construction industry has experienced significant growth over the last seven years, but fresh data reveals mounting signs of financial stress that commercial lenders and Chief Risk Officers should be closely monitoring.

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

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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!

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Experian’s Brodie Oldham, VP of Commercial Data Science, and Marsha Silverman, Strategic Analytic Consultant revealed several insights on how small businesses are performing during the Q2 Quarterly Business Credit Review.

During the webinar we asked the audience:

• Which macroeconomic factor is having the greatest impact on small business credit conditions this year?
• What actions if any have you taken in 2025 in response to additional tariff?
• How are small businesses adapting to tighter credit conditions in 2025?

Why you should watch:

• Leading Experts on Commercial and Macro-Economic Trends
• Credit insights and trends on 30+ Million active businesses
• Industry Hot Topics Covered (Inclusive of Business Owner and Small Business Data)
• Commercial Insights you cannot get anywhere else
• Peer Insights with Interactive Polls (Participate)
• Discover and understand small business trends to make informed decisions
• Actionable takeaways based on recent credit performance