Fintech Trends Report: Who is the digital borrower?

Consumers have powered the U.S. economy through repeated shocks, but new pressures are testing their resilience. As energy prices rise and economic conditions shift, the outlook is becoming more uncertain.

• Labor market strength is weakening
• Income and wage growth are slowing
• High equity exposure increases risk

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

Download the latest Alternative Financial Services Trend Report to reveal new insights on growth and risk, including:

• Loan volume is up 21% YoY across installment and single pay products
• Installment bad rates declined 6.8% YoY
• Returning borrowers grew 26.5% YoY in RTO/LTO

Gain a clearer view of how consumers earn, spend, and manage their money in today’s evolving economic landscape. In this webinar, Experian experts break down the financial behaviors shaping demand, risk, and growth—using macroeconomic trends, credit data, and transaction-level cash flow insights.

• Key trends in spending, income stability, and cash flow
• What credit and cash flow signals reveal about your customers
• How to apply these insights to marketing, risk, and growth strategies