Welcome to the Experian Thought Leadership Hub

Read our latest Identity and Fraud Insight for Fintechs Report.

• Explore the AI-enabled fraud threats creating the greatest concern and exposure for fintechs. 
• See where fintechs are increasing investment in GenAI intelligence, document forgery detection and deepfake defenses. 
• Learn how proactive, layered identity verification can strengthen protection while reducing customer friction. 

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.

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

A concise guide to simplifying business credit modeling with automation. Learn how microservices streamline validation, testing, and analysis to help relationship managers, credit analysts, and adjudicators reduce manual effort, improve risk visibility, and make faster, more confident lending decisions.

Uncover how a coordinated fraud ring scaled into a full force ATO invasion, connecting 166 devices across nearly 300 accounts in just 30 days. Explore how specialized roles from reconnaissance to monetization worked together to bypass controls, exploit vulnerabilities, and outpace defenses, and why real time behavioral, device, and network intelligence is critical to stopping attacks early.

Dive into a large-scale account takeover (ATO) attack where loosely coordinated fraudsters use low-touch logins to validate credentials and harvest data across 100+ accounts. Learn how unstructured fraud rings achieve rapid scale, why behavior is the hardest signal to fake, and how multidimensional analysis exposes hidden connections to stop attacks early.

See how a single attacker leveraged fraud ring tactics to compromise over 50 accounts in under 30 days—and how to detect and stop solo account takeover attacks at scale.

Key insights:

• Lone fraudsters can replicate fraud ring tactics using playbooks, tools and stolen credentials
• A single device can target dozens of accounts rapidly with consistent, repeatable actions
• Behavioral, device and location signals help distinguish imposters from legitimate users
• Stopping high-risk devices early prevents attacks from scaling across multiple accounts

Uncover a coordinated account takeover fraud ring in action and learn how it was stopped using behavioral, device and network intelligence.

Key insights:

• Fraud rings operate with structured roles to efficiently execute account takeover attacks
• Compromised accounts can be connected across devices, revealing coordinated activity
• Behavioral, device and network intelligence expose fraud signals traditional tools miss
• Stopping ATO requires identifying and dismantling the full fraud ring, not just individual logins

Join Ashley Knight, Experian’s SVP of Product Management, and Haiyan Huang, Prosper’s Chief Credit Officer, to discover how:

• Alternative finance data is redefining how to verify and connect identities.
• Email and phone intelligence is unlocking new levels of precision in credit marketing.
• Open banking insights are becoming increasingly critical for financial inclusion and mitigating risk.