Welcome to the Experian Thought Leadership Hub

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.

Based on findings from our 2025 U.S. Identity and Fraud Report, this webinar explores how businesses can navigate rising risk, meet growing consumer expectations, and stay ahead of increasingly complex attacks. 

Key highlights: 

• Concern is still high: 57% of U.S. consumers are concerned about doing things online. 
• Identity theft leads the pack: 68% of consumers worry about identity theft, and 61% about stolen credit card data. 
• Fraud is rising: 59% of businesses report increased fraud losses, and 70% plan to boost fraud prevention budgets in 2025. 
• Trust is hard to earn: Only 13% of consumers feel fully secure opening accounts with new brands. 

The pace, scale and complexity of data breaches are accelerating — and even the most prepared organizations aren’t immune. What sets leaders apart is how quickly and effectively they respond. Our 2025-2026 Data Breach Response Guide can help you strengthen your readiness, limit damage and recover faster. 

Gain insights into: 

• Key trends in data breach types and attack vectors 
• Industries most impacted by breach activity 
• Step-by-step guidance for preparing and executing a breach response 
• How Experian can support your breach preparedness and notification efforts

Experian’s tenth annual Identity & Fraud Report unpacks the major trends reshaping identity, fraud, and digital trust in 2025. Based on insights from over 2,000 U.S. consumers and 200 business leaders, this year’s findings offer a clear-eyed view of what’s driving concern, where expectations are shifting, and how organizations must evolve to stay ahead.

Key takeaways include:

• Fraud is growing—and changing fast: Nearly 60% of U.S. businesses report higher fraud losses in 2025, driven by more sophisticated attacks and legacy security gaps.
• Trust is earned, not assumed: Only 13% of consumers feel fully secure opening new accounts—yet 40% say strong identity experiences build trust.
• AI is both a weapon and a shield: 72% of businesses expect AI-generated fraud to be a top challenge, even as more invest in AI to fight back.
• Consumer fears remain high: Identity theft (68%) and stolen credit card data (61%) top the list of consumer concerns—for the second year running.

Join Experian for an exclusive look into the forces reshaping the rental housing landscape. This webinar reveals how shifting renter demographics, rising affordability pressures, and evolving credit behaviors are impacting the market. Discover actionable insights on rent trends, payment risk, and the power of rent reporting—plus, get ahead of macroeconomic shifts influencing housing demand in 2025.

Join Experian’s Dark Web Intelligence Team to explore how to score consumers’ identity health and the benefits for both businesses and consumers.

We'll break down:

• The accelerating risk of identity exposure on the dark web and what it means for your organization and your customers
• Case studies of fraud events detected through dark web alerts
• How Experian's Identity Health Score translates signal data into action, helping you identify at-risk consumers, upsell safely, inform cyber insurance strategies, and protect employees

The 2025 U.S. rental market reflects broader economic conditions, shaped by shifting market forces and ongoing uncertainty. Landlords and property managers are navigating a complex landscape where understanding renter behavior, affordability challenges, and macroeconomic pressures is key to maintaining stable occupancy. By staying informed on these trends, they can better attract and retain long-term tenants.

Key Insights:

• Renter Financial Pressure: Renters across all demographics are facing rising debt and affordability issues, impacting their housing stability.
• Rent-to-Income Imbalance: Rent prices continue to rise faster than incomes, increasing the financial burden on tenants nationwide.
• Macroeconomic Impact: Factors like interest rates, unemployment, and housing development are reshaping rental market dynamics.
• Strategic Adaptation Needed: Landlords must adapt to evolving renter preferences and market conditions to ensure long-term success.