Increase approvals while reducing losses

The fintech landscape is evolving rapidly—and 2025 is a pivotal year. Experian’s State of Fintech 2025 Report delivers exclusive insights into the market forces, consumer behaviors, and credit trends shaping the future of financial services. Learn how leading fintechs are adapting and where the next wave of growth is emerging.

In this report, you’ll discover:

• How fintechs are regaining market share in unsecured personal loans
• The impact of rising delinquencies and student loan repayments
• What Gen Z and Millennial borrowers expect from digital lenders
• 7 strategic imperatives to scale responsibly in a volatile market

Our use cases share real-world examples of how cash flow insights help grow portfolios responsibly while expanding credit access. Explore scenarios across borrower types, including: 

• Gig workers and freelancers with fluctuating income 
• Small business owners with nontraditional cash flow patterns 
• Thin-file and new-to-credit consumers lacking traditional credit history 
• Subprime borrowers demonstrating positive financial behavior

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.