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The latest Experian Commercial Pulse Report reveals a complex but fascinating picture of the U.S. economy and the small business landscape. According to Javier Rodriquez-Paiva’s research, while headline indicators suggest moderation, like slowing inflation and a steady unemployment rate, beneath the surface, disparities in recovery and credit performance continue to deepen.
Check out the full report to see how these trends could impact your strategy!
GenAI isn’t just changing the financial services industry; it’s redefining it. When faced with industry challenges and economic uncertainty, leading financial institutions strategically leverage GenAI to drive business growth and profitability.
Experian’s latest innovation, Experian Assistant, is empowering financial institutions stay ahead of the competition while driving strong business results.
Experian Assistant enables organizations to:
Download our latest white paper to unlock insights into how you can improve internal productivity, serve your customers more effectively and generate revenue.
Managing credit limits effectively can help financial institutions maintain a healthy, profitable credit card portfolio. Proactively increasing credit limits can enhance your ability to provide excellent customer satisfaction and drive higher revenue.
Lenders can strategically implement proactive credit limit increases to:
Proactive credit limit increases give customers access to more credit, which can positively impact their financial health and help you drive business growth.
If we go into a recession, what does it mean for lending activity? What does it mean for delinquency? As banks, credit unions and fintechs grapple with these questions, sometimes it helps to look to the past for guidance.
In this latest Macro Moment, take a quick look back at prior recessions and their impact on unemployment, delinquency, and loan growth. Key insights include:
Lending institutions can gain an edge on the competition by determining what happens when a loan gets booked elsewhere. With loan loss analysis, lenders can learn more about where these lost loans are booked, the average loan amount, the interest rate, the loan term length, and the average risk score.
Analyzing this information can help lenders:
Standard credit scores overlook crucial financial behaviors, leaving 62 million U.S. consumers that are thin file or credit invisible without a score.
With alternative data, lenders can:
Download our report for insights into the major financial milestones your consumers are facing including:
𝗧𝗵𝗲 𝗹𝗮𝘁𝗲𝘀𝘁 𝗘𝘅𝗽𝗲𝗿𝗶𝗮𝗻 𝗖𝗼𝗺𝗺𝗲𝗿𝗰𝗶𝗮𝗹 𝗣𝘂𝗹𝘀𝗲 𝗥𝗲𝗽𝗼𝗿𝘁 𝗶𝘀 𝗼𝘂𝘁!
While job satisfaction remains high ⭐, 𝟭 𝗶𝗻 𝟰 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗲𝘀 𝗮𝗿𝗲 𝗰𝗼𝗻𝘀𝗶𝗱𝗲𝗿𝗶𝗻𝗴 𝗮 𝗷𝗼𝗯 𝗰𝗵𝗮𝗻𝗴𝗲 ⚠️.
Also, union membership is at a historic low—𝗷𝘂𝘀𝘁 𝟵.𝟵%—but public support is rising, especially among younger workers. These dynamics are reshaping employer-employee relationships, with big implications for small businesses.
𝗢𝘁𝗵𝗲𝗿 𝗸𝗲𝘆 𝘁𝗮𝗸𝗲𝗮𝘄𝗮𝘆𝘀:
✔️ Inflation cooled to 2.8%
✔️ 228K jobs added in March
✔️ Unemployment rose to 4.2%
✔️ Consumer sentiment dipped to its lowest since 2022
Small businesses continue to show resilience, with optimism inching up and business starts outpacing pre-pandemic levels.
Check out the full report to see how these trends could impact your strategy!
Relying solely on traditional credit scores can leave you with a limited view into consumers’ financial stability.
See how integrating alternative data can help you: