Fintech is now synonymous with constant innovation, agile technology structures, and being on the cusp of the future of finance—fintech challengers; companies who are disrupting existing financial models by leveraging data, advanced analytics, and technology. These challengers have since inspired traditional financial institutions to either emulate or collaborate. Learn how fintechs are faring against traditional FIs with this must-have eBook.

Clarity Services, a part of Experian, provides valuable alternative credit data to alternative financial service providers. Clarity’s alternative data gives lenders a more complete picture of nonprime applicants, so they can make better and more informed decisions.

We analyzed the trends and financial behavior of nonprime consumers by looking at application and loan data in Clarity’s specialty credit bureau from 2014 through 2018. A study sample of more than 350 million consumer loan applications and more than 25 million loans was created and leveraged to evaluate market trends during this period. Data from Experian’s national credit bureau was also used to help profile consumers.

Download our latest white paper to learn more.

Watch the recorded version of our Q2 recap of the Experian-Oliver Wyman Market Intelligence Report, including a key focus on the current U.S. real estate market.

Watch an overview of consumer credit trends from the Q3 2014 Experian-Oliver Wyman Market Intelligence Report. Areas of focus include understanding consumer behaviors and trends that impact consumer credit decisions.