Latest Thought Leadership resources from Experian

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Report

29 July 2025

State of Fintech 2025: Trends, Risks & Growth Strategies

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
Infographic

29 July 2025

Harness the power of cashflow data

Smarter lending starts with greater visibility.

Read our one pager to discover:

  • Why leveraging cashflow data is imperative in today's modern lending environment   
  • The types of financial behaviors cashflow data reveals
  • The benefits of leveraging cashflow data
Report

22 July 2025

The Evolving Challenge of Regulatory Compliance in Model Risk Management

As regulations continue to change, financial institutions must establish robust risk management practices and adopt technology that matches the scale and speed of compliance requirements.

Key priorities include:

  • Strengthening model governance and transparency
  • Enhancing explainability and responsible AI integration
  • Reducing compliance burden through seamless automation
  • Ensuring consistency across model validation and approval processes

Read our full report to learn more about the growing importance of monitoring, transparency, and automation in model risk management.

Video

22 July 2025

Used Cars Surge as Credit Tightens: The Auto Industry’s Balancing Act

As the automotive sector adapts to rising vehicle prices, shifting consumer behavior, and persistent inflation, the ripple effects are clearly visible in commercial credit activity. Experian’s latest Commercial Pulse Report (July 22, 2025) dives deep into the evolving credit dynamics within the auto industry—and one trend is clear: credit access is contracting across nearly every segment.

Check out the full report to see how these trends could impact your strategy!

Subscribe to Commercial Pulse Report

eBook

14 July 2025

Experian's guide to navigating the prospecting landscape

To strategically market your credit products, you’ll need to connect and engage with qualified consumers, but finding and pitching to them isn’t always easy.

Read our e-book to discover:

  • Key market trends: Understand why your current prospecting strategy needs to be refined.    
  • Strategic channels: Explore the most effective methods to locate and engage ideal customers.
  • New approaches to campaign optimization: Learn how to quickly create and manage your campaigns across multiple channels.
Video

01 July 2025

E-commerce is booming but fewer businesses seek credit

This week the Experian Commercial Pulse report focuses in on a fascinating paradox in the e-commerce industry that credit and risk management professionals should closely monitor. While online retail revenues continue their upward trajectory—now representing over 16% of total U.S. retail sales and generating quarterly revenues exceeding $300 billion—commercial credit inquiries from e-commerce businesses have declined by nearly 25% in the past year alone.

Check out the full report to see how these trends could impact your strategy!

Subscribe to Commercial Pulse Report

White Paper

01 July 2025

Unlocking the Equity Era: Why 2025 is the Year of the HELOC

This white paper explores the transformative potential of Home Equity Lines of Credit (HELOCs) in 2025, a year marked by record-high homeowner equity and shifting consumer credit behavior. It offers data-driven insights into how lenders can tap into the $29 trillion in untapped equity by leveraging advanced analytics, behavioral segmentation, and digital innovation to meet evolving borrower needs.

Key Takeaways:

  • $29T in Untapped Equity: Millions of homeowners are ideal HELOC candidates but remain underserved.
  • Behavior Gap: Many consumers default to credit cards due to misconceptions about HELOCs.
  • Smart Targeting: Use data to identify Revolvers and tailor offers that resonate.
  • Digital Advantage: Compete with fintechs by streamlining approvals and closings.
Webinar

27 June 2025

Innovation for Changing Market Dynamics Webinar

Join our speakers Ankit Sinha and Erin Haselkorn to discover how Experian’s AI solutions help financial institutions accelerate the modeling lifecycle, integrate efficient feature deployment, and achieve regulatory compliance.

Learn from our experts about:

  • New automation in model building and deployment
  • Model governance and compliance
  • Innovative ways to leverage data throughout the customer lifecycle
Report

23 June 2025

Q2 2025 Lending Conditions Chartbook

While the US economy has so far avoided the worst-feared outcomes of higher tariffs, there remains significant uncertainty and concern over outlook, which is driving caution among lenders. In our just-released Q2 2025 Lending Conditions Chartbook, we break down the latest economic developments and do a deep dive into credit conditions across product segments, regions, and lender types. Key insights include:

  • Unemployment remains low, but there are ongoing signs of softening in the labor market.
  • Real incomes have improved somewhat after softening for most of 2024, which may continue to support consumer spending.
  • The housing market continues to be constrained by high prices and interest rates, which are impacting affordability.