Fintech Trends Report: Who is the digital borrower?

Financial Frontiers explores the structural shifts, emerging technologies, and regulatory developments reshaping financial services. In this inaugural brief, we examine how stablecoins are moving from niche crypto instruments to institutional financial infrastructure — and what that means for strategy, liquidity, and competitive positioning.

• Why stablecoins are gaining institutional traction
  
• Regulatory momentum and implications for financial firms
  
• Strategic questions leaders should be asking now

Mortgage lenders face rising fallout, affordability strain, and shifting borrower expectations. This white paper explores how embedded financial wellness strengthens conversion, reduces risk, and builds long-term trust.

• Improve inquiry-to-close conversion
• Manage risk with real-time credit insights
• Address affordability pressures proactively
• Deepen engagement and drive sustainable growth

Read our first-annual 2026 Public Sector Trends & Impact Report to understand the forces reshaping agency operations and trust:

• Rising fraud and program integrity risks
• Modernization challenges across legacy and digital systems
• Workforce strain and responsible automation
• Securing citizen access without increasing friction

Read our first-ever State of Energy and Utilities Report examining the forces shaping the industry this year.

• Rising arrearages and affordability pressures
• Expanding digital channels and identity-related fraud exposure
• AI-driven demand, data center growth and grid resiliency challenges
• Data-driven strategies to reduce risk and strengthen customer trust