Report

166 Report assets found.

  • E-book: Strategies for effective credit limit management
    Document Published Date: Mar 12, 2024

    A proactive credit limit management process can help improve profitability, reduce potential risk and create a better customer experience. Explore four key strategies that credit card issuers can implement to optimize their portfolios.

  • Experian's Clarity Services Q4 2023 Insights Report
    Document Published Date: Mar 7, 2024

    Leverage the right insights to learn how you can effectively grow in this environment.

  • Read the latest regional consumer spending and economic growth trends, as well as our in-house macroeconomic forecasts for the year ahead.

  • State of the economy report - February 2024
    Document Published Date: Feb 20, 2024

    Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Report: 2023 Experian Edge Economic Chartbook
    Document Published Date: Jan 26, 2024

    As we prepare for the year ahead, it’s crucial to understand the trends of 2023 that shaped our current economic environment. Download the 2023 Experian Edge Economic Chartbook, where you can find critical insights into the labor market, inflation, banking stress, delinquencies and more.

  • E-book: The Pursuit of Financial Wellness
    Document Published Date: Jan 24, 2024

    In today’s economic conditions, consumers’ financial, mental, and physical health worries are on the rise. 42% of people claim money concerns have had a negative impact on their mental health.1

    Consumers want to engage with companies that value them as a whole person, not a number. Traditional financial institutions and technology companies must fill in the financial literacy gap to establish and maintain strong consumer relationships.

    Find new opportunities by offering actionable products that ease financial stress and guide consumers on their financial wellness journey.

    Download this e-book to discover how you can coach consumers to financial confidence to:
    • Drive customer retention
    • Increase meaningful engagement
    • Be a financial wellness resource for your consumers
    • Create new revenue for your business
  • State of the economy report - January 2024
    Document Published Date: Jan 22, 2024

    Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Discover five business intelligence reports that can help drive your strategies across the customer lifecycle.

  • State of the economy report - December 2023
    Document Published Date: Dec 21, 2023

    Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Experian's Clarity Services Q3 2023 Insights Report
    Document Published Date: Dec 1, 2023

    Acquire valuable perspectives to drive decision making with our Q3 insights report.

  • Q3 2023 Experian/Oxford Economics Main Street Report
    Document Published Date: Nov 28, 2023

    Outstanding performance in the third quarter is a great headline focused on the resiliency of the American consumer. Business confidence and financials benefited from a consumer confidence boost as market conditions appeared to improve as inflation receded. Consumer spending remained elevated, supporting small business cashflow health, but a rising percentage of that consumer spend originated from leveraged consumer credit products. Creditors have been monitoring the rise in unsecured debt utilization and putting into action exposure limiting underwriting criteria.

  • 2021 Alternative Financial Services Lending Trends
    Document Published Date: Nov 28, 2023

    It’s that time of year; the industry’s annual checkup, and we’re excited to share insights that will provide a better view of the consumers you serve.

    For five years in a row, Clarity’s Alternative Financial Services Lending Trends Report has been the go-to resource for those seeking insights into non-prime borrower behavior, alternative credit data, industry trends in the alternative financial services market, and more.

    In this report, we analyzed:

    • Online lending volume and product mix market trends
    • Single pay and online installment loan performance
    • COVID-19 and Loan Accommodations *NEW*
    • Changes in loan characteristics
    • And so much more
  • 2018 Alternative Financial Services Lending Trends
    Document Published Date: Nov 28, 2023

    Access our 2018 trends report, which dives into the latest findings attached to the industry and the consumers utilizing Alternative Financial Services products. Uncover new data on payment behavior, credit utilization and quality, and consumer stability for those individuals using products like short-term loans, pawn shops, payday loans, rent-to-own and beyond.

    Discover how traditional lenders can benefit from these data insights, as well as what it reveals about subprime consumers.

  • 2022 Alternative Financial Services Lending Trends
    Document Published Date: Nov 28, 2023

    This report offers granular data on a vast number of different consumer insights that will allow you to build the foundation for a successful lending strategy and create benchmarks needed to improve your financial inclusion efforts, prospecting, risk management and more.

  • State of the economy report - November 2023
    Document Published Date: Nov 21, 2023

    Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Report: 2023 State of Alternative Credit Data
    Document Published Date: Nov 16, 2023

    Gain insight into the latest in alternative data and how it can be leveraged across the lending lifecycle.

  • Read the latest regional consumer spending and economic growth trends, as well as our in-house macroeconomic forecasts for the year ahead.

  • State of the economy report - October 2023
    Document Published Date: Oct 20, 2023

    Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Liminal Link Index Report
    Document Published Date: Sep 25, 2023

    This report evaluates solution providers in the financial sector in the areas of compliance and fraud prevention for account opening, and recognizes Experian as a market leader.

  • State of the economy report - September 2023
    Document Published Date: Sep 20, 2023

    Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Q2 2023 Experian/Oxford Economics Main Street Report
    Document Published Date: Aug 29, 2023

    Lenders are tightening underwriting criteria due to high delinquencies among consumers and small businesses amid inflation. People are revising their spending and investment plans. While technology companies thrive, sectors like logistics, utilities, and healthcare face challenges. Supply chain issues are easing, but reduced demand affects inventory orders, impacting trucking and logistics with lower tonnage and mileage. Consumers show resilience, bolstered by a strong job market, wage growth, and lower energy and food costs. However, dwindling savings and increased reliance on unsecured debt, along with the resumption of debt obligations like student loans, and ongoing inflation, put pressure on consumers. Recession fears are easing, but concerns for 2024 remain.

  • State of the economy report - August 2023
    Document Published Date: Aug 15, 2023

    Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Experian's Clarity Services Q2 2023 Insights Report
    Document Published Date: Aug 1, 2023

    Unpack AFS Q2 Trends: Inquiry volumes slow and delinquency rates drop.

  • Read the latest regional consumer spending and economic growth trends, as well as our in-house macroeconomic forecasts for the year ahead.

  • State of the economy report - July 2023
    Document Published Date: Jul 14, 2023

    Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Experian's 2023 Identity and Fraud Report
    Document Published Date: Jun 28, 2023

    In our eighth annual report we explore the current fraud landscape, shifting consumer expectations, and how businesses can prioritize investment in future fraud prevention.

  • State of the economy report - June 2023
    Document Published Date: Jun 21, 2023

    Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Gain insight into the state of the economy and consumer finances and how to leverage data and advanced analytics to manage uncertainty.

  • Report: The State of the U.S. Rental market
    Document Published Date: Jun 7, 2023

    In this report, we share key insights into the U.S. housing market’s impact on renters, including the latest trends and how they reflect the current state of residents, their rent obligations and the rental market economic climate.

  • 2023 Alternative Financial Services Lending Trends
    Document Published Date: May 25, 2023

    Experian’s Clarity Services holds the largest repository of expanded-FCRA data, providing deeper insights into millions of consumers that traditional data alone can’t provide. Each year, we study this ever-changing industry and compile the findings into a robust report that lenders can’t find anywhere else — the Alternative Financial Services Lending Trends report.

  • Q1 2023 Experian/Oxford Economics Main Street Report
    Document Published Date: May 25, 2023

    Q1 GDP grew by 1.1% annualized, following a 2.6% gain in Q4 2022. However, recent data's accuracy is affected by weather-induced consumer spending and unusual seasonal adjustments. Notably, Q1 GDP doesn't reflect the impact of tightened lending standards yet. The core of the economy, measured by real final sales to domestic purchasers, rose by a solid 2.9% annualized, driven by strong consumer spending concentrated in early Q1 and aided by significant cost-of-living payments. Inventory reduction subtracted 2.3ppts from Q1 GDP growth, and this trend is expected to persist as businesses draw from existing stockpiles to meet demand. The Oxford Economics US Business Cycle Indicator declined for two consecutive months, indicating weak Q1 performance. The indicator suggests feeble Q2 growth and a possible H2 2023 recession.

  • State of the economy report - May 2023
    Document Published Date: May 12, 2023

    Explore state- level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Read the latest regional consumer spending and economic growth trends, as well as our in-house macroeconomic forecasts for the year ahead.

  • Fintech Report: Unsecured personal loan credit trends
    Document Published Date: May 2, 2023

    In this report, Experian® data scientists and analysts take a deep look at one of the most popular lending products in the industry, the unsecured personal loan. Our team offers key insights into the consumer credit landscape and analyze trends on this emerging and important industry segment using historical data from August 2018 to December 2022.

  • State of the economy report - April 2023
    Document Published Date: Apr 14, 2023

    Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Experian's Clarity Services Q1 2023 Insights Report
    Document Published Date: Apr 1, 2023

    Discover actionable insights for risk management and benchmarking and make more informed decisions.

  • Beyond The Trends Spring 2023
    Document Published Date: Mar 28, 2023

    The Spring report contains several insights on small business performance including - delinquencies are rising for small businesses across regions and products, and businesses are making decisions about how they repay debt. The economy will slow in 2023, and consumer and small business credit health and spending behavior will adjust to the new reality. Cashflows will be tested in industry segments focused on home-based work/life as the labor force returns to the office, but some businesses require hybrid work schedules to encourage collaboration and a more connected work environment.

    Subscribe to this quarterly report here or follow our full suite of quarterly insights on our Commercial Insights Hub.

  • eBook: Building Trust in Digital Marketplaces
    Document Published Date: Mar 21, 2023

    Explosive growth for digital marketplaces means fraudsters and bad actors with malicious intent threaten their reputation, operation and foundation for long-term success. Our experts share why fraud prevention strategy is critical for building trust with customers.

  • State of the economy report - March 2023
    Document Published Date: Mar 15, 2023

    Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Tip sheet: Strengthening Your Debt Collection Strategy
    Document Published Date: Mar 14, 2023

    Debt collectors looking to enhance their performance while reducing costs, maximizing recovery rates and improving overall engagement, can follow these simple steps.

  • Q4 2022 Experian/Oxford Economics Main Street Report
    Document Published Date: Feb 23, 2023

    The fourth quarter boasted open commercial lending markets, inclusive of all tiers of credit risk, even as measured commercial delinquencies returned to pre-pandemic levels. An increasing number of commercial lenders are developing product and underwriting strategies to limit the expected exposure in a near term recession. The Fed is unlikely to cut rates in the near term as hietened inflation lingers. Higher costs of goods and services will pressure spending behavior as affordability tightens and personal cashflows thin.

  • State of the economy report - February 2023
    Document Published Date: Feb 8, 2023

    Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Read the latest regional consumer spending and economic growth trends, as well as our in-house macroeconomic forecasts for the year ahead.

  • Beyond The Trends - Winter 2022
    Document Published Date: Jan 19, 2023

    Small businesses are struggling to access inventory, components, and staff due to the pandemic's impact on the supply chain. However, emerging small business growth has been explosive during the pandemic, with businesses adapting to the high demand, low supply market by focusing on digital experiences. Small businesses are also focusing on diversity, equity, and inclusion initiatives to create a more inclusive small business ecosystem. Subscribe to this quarterly report here or follow our full suite of quarterly insights on our Commercial Insights Hub.

  • 2022 Experian Edge Economic Chartbook
    Document Published Date: Dec 19, 2022

    Download the 2022 Experian Edge Economic Chartbook to look back at this year’s critical economic and credit trends and to prepare yourself for the months ahead.

  • State of the economy report - December 2022
    Document Published Date: Dec 12, 2022

    Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Q3 2022 Experian/Oxford Economics Main Street Report
    Document Published Date: Dec 1, 2022

    The US economy grew a buoyant 2.6% annualized in Q3, confirming Experian and Oxford Economics’ view that the economy was not in recession. Indeed, the economy created a robust 261k jobs in October, while the unemployment rate came in near a historically low of 3.7%. Higher borrowing costs will weigh on corporate profits, hiring, and business investment. The consumer will feel the effects of an increase in unemployment and a reduction in excess savings. Download the full report to learn more.

  • In August 2022, the CFPB provided new guidance into their requirements for data protection and information security. Experian experts provided five insights into that guidance and the ramifications for financial institutions.

  • State of the economy report - November 2022
    Document Published Date: Nov 7, 2022

    Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Read the latest regional consumer spending and economic growth trends, as well as our in-house macroeconomic forecasts for the year ahead.

  • Identity Report: Privacy, personalization, and data-sharing
    Document Published Date: Oct 21, 2022

    As inflation puts pressure on the economy, consumers are looking to businesses to protect them and make their life online easier. Our latest research, gathered in May and June of 2022, dives into how U.S. consumers and businesses are navigating the economic shift and the increasing need to balance data security with a personalized experience.

  • State of the economy report - October 2022
    Document Published Date: Oct 10, 2022

    Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Beyond The Trends - Fall 2022
    Infographics Uploaded Date: Sep 30, 2022

    The Fall 2022 Beyond The Trends report focuses on the retail industry and small business strategies. Key points include: 1) Lenders tightening credit criteria, affecting small business loan availability. 2) With declining consumer demand, businesses must prioritize repayments, and lenders need to plan for delinquent accounts. 3) Retailers can attract consumers during the 2022 holiday season by providing personalized experiences, utilizing social media, and optimizing their online presence. Subscribe to this quarterly report here or follow our full suite of quarterly insights on our Commercial Insights Hub.

  • State of the economy report - August 2022
    Document Published Date: Aug 29, 2022

    Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Q2 2022 Experian/Oxford Economics Main Street Report
    Document Published Date: Aug 23, 2022

    After a strong economic rebound in the wake of COVID-19, a more challenging environment and heightened recession worries are forcing small businesses to “hit the reset button”. Small business anxiety about elevated inflation and labor shortages persisted in Q2 2022, as small businesses held debt balances longer, while seeking additional credit in anticipation of a tighter lending environment.

  • This joint report by Aite-Novarica and Experian dives into key benefits of an enterprise-wide identity management program, including a holistic understanding of the customer, enhanced ability to optimize risk and reward, and increased collaboration and efficiency.

  • Tip sheet: Three tools for fighting emerging fraud trends
    Document Published Date: Aug 17, 2022

    In this recently updated tip sheet, we review recent market trends that led to an uptick in fraud and how to mitigate the associated risk.

  • State of the economy report - July 2022
    Document Published Date: Aug 9, 2022

    Explore state-level and industry-level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • A study conducted in May 2022 by Aite-Novarica Group surveyed 207 large and midsized U.S. e-commerce firms. The research quantifies the impact of online transaction fraud prevention efforts and false declines for U.S. e-commerce and digital marketplace merchants. Download for a snapshot of the study along with key findings.

  • Aite-Novarica Group’s The E-Commerce Fraud Enigma: The Quest to Maximize Revenue While Minimizing Fraud Report found the average false decline rate is 1.16%. With over $960 billion in U.S. online sales in 2021, lost sales due to false declines total more than $11 billion, a substantial impact for merchants and their customers.

  • Report: 2022 State of Alternative Credit Data Report
    Document Published Date: Jul 8, 2022

    Gain insight into the latest in alternative data and how you can seize new opportunities.

  • State of the economy report - June 2022
    Document Published Date: Jun 27, 2022

    Explore state-level and industry-level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Beyond The Trends - Summer 2022
    Document Published Date: Jun 13, 2022

    Business owners continue to struggle to access quality labor, strengthen operations, and create backup supplier networks as supply chain disruption and inflation hamper delivery. Diesel prices are up 71% YOY according to the U.S. Energy Information Administration and the higher cost of energy is resulting in lower margins and impacting delivery of goods and services. These costs have been rising sharply since February 2022 and exacerbated challenges already being addressed by business owners in the 1st quarter of 2022 commodity, component, and inventory shortages. Small businesses are adjusting to a high-demand low supply market through 2022. Subscribe to this quarterly report here or follow our full suite of quarterly insights on our Commercial Insights Hub.

  • State of the economy report - May 2022
    Document Published Date: Jun 6, 2022

    Explore state-level and industry-level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Q1 2022 Experian/Oxford Economics Main Street Report
    Document Published Date: May 31, 2022

    Experian begins a new chapter with the release of the Q1 2022 Main Street Report through our collaboration with the leading economists at Oxford Economics. During Q1, small businesses kept average commercial loan balances healthy and stable. At the same time, moderate delinquency inched up but remained low overall as business and consumer travel returned to form, offering major tourist destinations a boost.

  • In our new report, we analyze more than 17 million consumer mortgage, auto, student, personal loan and bankcard accounts that were once in an accommodation status and provide predictive insights into these consumers, including those who will be exiting these programs. Learn more about key findings and get recommendations and strategies that you can implement now.

  • State of the economy report - April 2022
    Document Published Date: Apr 21, 2022

    Explore state-level and industry-level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Beyond The Trends - Spring 2022
    Document Published Date: Mar 22, 2022

    This report provides insights into the current state of the small business economy in the US. Despite challenges such as inflation and supply chain disruptions, small businesses remain a vital part of the economy and are showing resilience. Lenders and creditors are adapting to engage with new small businesses and differentiate risk earlier in the life of a business. Non-traditional data overlays are becoming critical in assessing and pricing risk. The report also highlights the importance of innovation and entrepreneurship in the US, with new business applications trending at almost 425k a month. Subscribe to this quarterly report here or follow our full suite of quarterly insights on our Commercial Insights Hub.

  • State of the economy report - March 2022
    Document Published Date: Mar 14, 2022

    Explore state-level and industry-level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Q4 2021 Experian Main Street Report
    Document Published Date: Feb 22, 2022

    The fourth quarter of 2021 enhanced the pressure felt by small businesses as the largest wave of COVID-19 hit the US. In addition to the effects of pandemic outbreak of labor and consumer engagement, an inflationary surge, largest increase since 1982, coupled with pandemic-related supply-and-demand imbalances, weighed heavily on US small businesses along with a notable impact to consumer sentiment.

    Although workers were getting raises in the currently tight job market, rapid price increases are eroding consumers’ earning power. Average wage earnings went up by 4.0% in Q4 ’21 vs. the previous year, yet a 7.5% increase in inflation results in a net decline in real earnings. Workers’ money is not going as far as it used to. Rising wages, however, put pressure on businesses’ payrolls who may be forced to pass those costs to consumers.

  • State of the economy report - February 2022
    Document Published Date: Feb 22, 2022

    Explore state-level and industry-level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this report.

  • State of the economy report - December 2021
    Document Published Date: Jan 5, 2022

    Explore state-level and industry-level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Q3 2021 Experian Main Street Report
    Document Published Date: Nov 8, 2021

    Small business credit performance was mixed in the third quarter as businesses dealt with the COVID-19 Delta variant. Early stage delinquency rates rose modestly while late state delinquency and bankruptcy rates fell decisively. With daily COVID cases falling, demand for goods and services should rise in coming quarters. Downside risks are concentrated on the supply side with businesses struggling to hire workers and dealing with supply chain stress.

  • Mortgage lenders are preparing now for the end of CARES Act forbearances and are focused on assessing the impact on their portfolios as borrowers exit accommodation. In our latest Experian analysis, we explore how mortgage lenders can more accurately gauge this impact and strategies to help navigate the current mortgage landscape.

  • Dive into this report for an in-depth analysis on COVID-19 economic scenarios as of October 2021 and what they mean for potential trajectories of the economy.

    The report, featuring key insights from Mohammed Chaudhri, Experian Chief Economist, provides a deep dive on recent GDP data, trends, and forecast scenarios.

  • State of the economy report - September 2021
    Document Published Date: Sep 30, 2021

    Explore state-level and industry-level data that banks, credit unions, and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • The acceleration to digital platforms created a perfect storm of new opportunities for fraudsters. Synthetic identity fraud, stimulus-related fraud, and other types of cybercrime have seen huge upticks within the past year and a half. In fact, the Federal Trade Commission revealed that consumers reported over 360,000 complaints, resulting in more than $545 million in COVID-19-related fraud losses as of September 2021. To protect both themselves and consumers, businesses — especially lenders — will have to find and incorporate new strategies to identify customers, deter fraudsters and mitigate cybercrime.

  • Q1 2021 Experian/Moody's Analytics Main Street Report
    Document Published Date: Aug 16, 2021

    Small businesses increased hiring for the holidays funded by credit while servicing their outstanding debts. The moderately delinquent balances for small businesses declined to 1.21 percent in the fourth quarter from 1.60 percent at the same time last year. Taxes are a rising issue for small businesses, but increasing concerns here did not dampen borrowing or hiring in the fourth quarter. The availability of credit has cushioned the blow of the pandemic for now and a third stimulus will help insulate small businesses from altered consumer spending patterns.

  • Q2 2021 Experian/Moody's Analytics Main Street Report
    Document Published Date: Aug 10, 2021

    As some industries struggle to contain price increases and to survive in a post-pandemic world, others are thriving on the back of economic reopenings driving consumption. Reopenings and the release of pent-up demand for services is pushing up economic growth and powering an economic recovery that will be among the fastest in modern times.

  • Report: COVID-19 economic scenarios - July 2021
    Document Published Date: Aug 6, 2021

    In this Economic Scenarios report, Experian’s Chief Economist, Mohammed Chaudhri, lays out his mid-year forecasts for the path of the U.S. economy. The report delivers in-depth analysis on economic scenarios and how COVID-19 and other trends could impact our growth trajectory.

    Download now to get the latest insight as of Q2 2021 on:

    • Forecasts of Gross Domestic Product and unemployment
    • Scenarios that could impact economic growth
    • Emerging risks that could affect your
  • Report: State of the economy - July 2021
    Document Published Date: Aug 4, 2021

    Explore state-level and industry-level data that banks, credit unions, and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • At the end of March 2020, Congress enacted the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), and provided accommodations – payment assistance or relief – to consumers affected by the pandemic. Now that the accommodations period is ending, how can lenders better predict the future payment performance of each account and identify consumers that still need additional assistance?

    In our new report, we analyze more than 8 million consumer mortgage, auto, personal loan, and bankcard accounts that were once in an accommodation status and provide predictive insights into these consumers, including those who will be exiting these programs. Learn more about key findings and get recommendations and strategies that you can implement now.

  • Report: State of the economy - June 2021
    Document Published Date: Jun 28, 2021

    Explore state-level and industry-level data that banks, credit unions, and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • The coronavirus pandemic has dramatically impacted consumers and businesses alike, but the beginning of the end is here. After over a year fraught with caution and closures, the U.S. economy is embarking on the journey to recovery and the post-pandemic world is emerging.

    In this report, we track key economic indicators to examine the pace of recovery from the COVID-19 recession and analyze the impacts on the credit market in both the immediate and short-term future. We also examine the aggregate impact of payment assistance programs, describe five key types of fraud we’re watching and advise how to protect against them, and evaluate the growing value of tools, including AI/ML, alternative data, and employment verification.

  • Report: State of the economy - May 2021
    Document Published Date: May 27, 2021

    Explore state-level and industry-level data that banks, credit unions, and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Learn how real time customer verifications accelerate loan origination, lower costs, and improve risk assessment to help you gain a competitive advantage.

  • IDC describes how new market entrants are offering employment and income verification alternatives to address some of the key challenges facing lenders today.

  • Report: State of the economy - April 2021
    Document Published Date: Apr 29, 2021

    Explore state-level and industry-level data that banks, credit unions, and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Report: COVID-19 economic scenarios - April 2021
    Document Published Date: Apr 27, 2021

    Dive into this report for an in-depth analysis on COVID-19 economic scenarios as of March 2021 and what they mean for potential trajectories of the economy – with all-new data for Q1.

    The report, featuring key insights from Mohammed Chaudhri, Experian Chief Economist, provides a deep dive on:

    • Key economic indicators including unemployment and GDP
    • Macroeconomic scenarios on the recovery
    • Potential risk signs that could impact recovery

    Click the button below to download the report.

  • State of the economy report - February 2021
    Document Published Date: Feb 26, 2021

    Explore state-level and industry-level data that banks, credit unions, and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Q4 2020 Experian/Moody's Analytics Main Street Report
    Document Published Date: Feb 9, 2021

    Small businesses increased hiring for the holidays funded by credit while servicing their outstanding debts. The moderately delinquent balances for small businesses declined to 1.21 percent in the fourth quarter from 1.60 percent at the same time last year. Taxes are a rising issue for small businesses, but increasing concerns here did not dampen borrowing or hiring in the fourth quarter. The availability of credit has cushioned the blow of the pandemic for now and a third stimulus will help insulate small businesses from altered consumer spending patterns.

  • State of the economy report - January 2021
    Document Published Date: Jan 29, 2021

    Explore state-level and industry-level data that banks, credit unions, and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • State of the Economy Report - December 2020
    Document Published Date: Jan 4, 2021

    Explore state-level and industry-level data that banks, credit unions, and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • State of the Economy Report - November 2020
    Document Published Date: Nov 23, 2020

    Explore state-level and industry-level data that banks, credit unions, and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • Q3 2020 Experian/Moody's Analytics Main Street Report
    Document Published Date: Nov 9, 2020

    In a fight for survival small businesses have turned to layoffs and borrowing as they attempt to reach the other side of COVID-19. Increasing borrowing is helping to mask rising late-stage delinquencies and bankruptcy. Layoffs and borrowing can only mask weakness for so long until a reckoning will arrive. A new round of government stimulus could mitigate this reckoning but doesn’t appear likely to arrive before year’s end. This will push more small businesses to again borrow for survival. When new borrowing is no longer a necessity delinquency and bankruptcies will rise.

  • State of the Economy Report - October 2020
    Document Published Date: Oct 23, 2020

    Explore state-level and industry-level data that banks, credit unions, and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

  • COVID-19 Economic Scenarios Report - October 2020
    Document Published Date: Oct 22, 2020

    Read our new report delivering in-depth analysis on COVID-19 economic scenarios as of October 2020 and what they mean for potential trajectories of the economy – with all-new data for Q4.

    The report, featuring key insights from Mohammed Chaudhri, Experian Chief Economist, provides a deep dive on:

    • Key economic outcomes of a V-, U-, and W-shaped recovery
    • Key sectors at risk during the global pandemic
    • Government and fiscal policy measures
  • Q2 2020 Experian/Moody's Analytics Main Street Report
    Document Published Date: Aug 11, 2020

    Small businesses have turned to borrowing to survive periods of prolonged slumping sales, in many cases from government programs offering loan forgiveness. This increased borrowing has masked rising delinquent balances, but such a solution is a short-term fix. Small businesses will need to find ways to generate revenue to keep their credit current. Defaults are expected to rise in coming quarters as forbearance programs expire and as customers are likely to change their priorities in the wake of COVID-19.

  • Q1 2020 Experian/Moody's Analytics Main Street Report
    Document Published Date: May 14, 2020

    After only one quarter there is no doubt the theme of 2020 is the pandemic, Covid-19. Unrelated to the pandemic and subsequent shuttering of a swath of economies across the world, delinquencies rose in the first quarter. This was as businesses reduced their borrowing. Lower borrowing will not have lasted long as government efforts to aid small businesses have taken the form of SBA lending. Nevertheless, 2020 will be a year of deteriorating performance and rising bankruptcies for small enterprises.

  • 2020 Alternative Financial Services Lending Trends
    Document Published Date: Apr 27, 2020

    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.

    This report is packed with five years of Clarity data and enhanced with additional insights from Experian’s national credit bureau. From market trends to changes in loan characteristics, the data inside will leave you more informed of the nonprime market than you’ve ever been before.

    Download our latest white paper to learn more.

  • Q4 2019 Experian/Moody's Analytics Main Street Report
    Document Published Date: Feb 20, 2020

    Confidence in a US-China trade deal helped to cushion business borrowing in the fourth quarter. Delinquent balances were up over the quarter due mainly to seasonal trends but were down from last year thanks to the continuation of the economy’s expansion. Weakness continued in agriculture and manufacturing businesses, but a trade deal could help these firms next year. All things considered, 2019 was a good year for small-business borrowing, and 2020 should bring more of the same.

  • Q3 2019 Experian/Moody's Analytics Main Street Report
    Document Published Date: Nov 19, 2019

    Talk of a trade deal helped to shape the narrative for the third quarter, but there is more at play for small businesses than trade. Delinquency rates fell across most industries, but agriculture-related industries like construction and transportation had a rough quarter. A rising number of small businesses seeking credit should help to keep performance around current levels.

  • 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.

  • Q2 2019 Experian/Moody's Analytics Main Street Report
    Document Published Date: Aug 6, 2019

    In spite of business confidence in the second quarter being shaken by talk of trade war escalation, businesses got a helping hand from seasonal factors which combined to push delinquency rates down. New businesses continue to form, providing an opportunity for credit expansion, if these businesses can access credit. Delinquency rates fell across most industries, but agriculture’s problems continued as weather and trade conditions continued to weigh on small farms. These factors won’t be as helpful in the third quarter so fundamentals or confidence will need to improve to propel performance and growth forward.

  • Eligibility verification findings and survey overview
    Document Published Date: Jun 21, 2019

    GOVERNING Institute surveyed 150 State and Local government leaders and discuss the growing need for eligibility verification and the prevalence of fraud across government agencies.

    Download the study to learn more.

  • Q1 2019 Experian/Moody's Analytics Main Street Report
    Document Published Date: May 10, 2019

    Small businesses brushed off a government shutdown as stock markets recovered and income gains remained steady in the first quarter of 2019. Delinquency rates remained mostly stable, with pockets of weakness spread out among regions and industries, notably agriculture in the Great Lakes and manufacturing in the Southwest. Small firms seem to have simply shrugged off the first-quarter headwinds and continued with business as usual.

  • Q4 2018 Experian/Moody's Analytics Main Street Report
    Document Published Date: Feb 6, 2019

    The fourth quarter capped a second year of solid performance and growth for small-business credit, but there are signs that the period of moderation experienced during the past two years is over. Since the government shutdown has the potential to throw small-business lending a curveball in the first half of 2019, the outlook for small-business credit is neutral. Conditions were positive in the fourth quarter, but this may not last long. Delinquency rates remained mostly stable, with pockets of weakness spread out among regions and industries, notably construction in the Plains. In addition to the 35-day shutdown, rising interest rates, destabilizing trade policy and slowing home-price growth are potential trouble sources that are already starting to impact some regions.

  • Q2 2018 Experian/Moody's Analytics Main Street Report
    Document Published Date: Nov 12, 2018

    The overall outlook for small-business credit is positive. Outstanding balances rose in the second quarter, as did the average balance per business. Delinquency rates continued the downward trend they have maintained through the expansion, and default rates stabilized at the level they reached last quarter. Continuing strength in the economy will keep small-business credit performance strong through the end of the current expansion, if not longer. Rising rates and destabilizing trade policy are potential sources of trouble, but thus far they haven’t slowed down small-business credit growth.

  • Q3 2018 Experian/Moody's Analytics Main Street Report
    Document Published Date: Nov 7, 2018

    The overall outlook for small-business credit is positive, but some industries such as construction have a negative outlook. Outstanding balances rose in the third quarter, as did the average balance per business. Delinquency rates are stable around their current levels, but this could change quickly if risks mount for certain industries. Continuing strength in the economy should keep small business credit performance in check through the fourth quarter and early next year. Rising interest rates, destabilizing trade policy, and slowing home price growth are potential sources of trouble that are already starting to impact some regions.

  • Business leaders today recognize a myriad of benefits the digital economy has to offer, such as improved customer experience and better insight for decision-making. Despite these advantages, organizations struggle to deliver the experience they would like, and data isn’t always in a suitable state to be used for this purpose.

    This study provides a unique perspective on customer experience as it relates to digital transformation priorities and challenges. Check out the full report for our in-depth analysis and key findings, such as:

    • The increasing revenue impact of the digital economy
    • The growing focus on customer experience in the digital era
    • The ongoing need for quality data for analytics
    • The implications of digital transformation on governance
  • Q1 2018 Experian/Moody's Analytics Main Street Report
    Document Published Date: May 8, 2018

    The overall outlook for small-business credit is positive. Outstanding balances rose in the first quarter, as did the average balance outstanding per business. Delinquencies were down and default rates rose slightly, suggesting that credit conditions have peaked as the economy is in a late-cycle expansion. Continuing strength in the macroeconomy will keep small-business credit moving in the near term, along with higher profits from the recently passed tax legislation. Small-business credit will be less certain in the medium to long term as rising wages, interest rates and changes to the tax code take a toll.

  • Data has never been more plentiful - or more important - to how the government operates. Agencies in the public sector are mobilizing and modernizing legacy systems and processes in order to improve citizen experience. This means that data, technology, and the people to optimize the two are more critical than ever to success in these areas.

    We surveyed 200 public sector professionals from federal, state, and local government, health and human services, motor vehicles, labor and unemployment, and law enforcement with visibility into their agency's data management practices. Read this research study to learn:

    • Which data management trends are shaping how the public sector operates
    • Compelling factors behind data management strategies
    • How the public sector stacks up against the private sector
    • Current levels of data sophistication in public sector agencies
    • Data management projects coming up in 2018
  • 2018 global data management benchmark report
    Document Published Date: Feb 7, 2018

    Digital business demands trustworthy data. Today's businesses are sophisticated and are powered by the vast amounts of data collected. As the volume, type of, and reliance on data grows, so does the need for better people, processes, and tools to make the most of those data assets.

    That's why we have been following and analyzing trends in data management around the world for the past several years. We're excited to introduce this year's, 2018 global data benchmark report, which takes a deep dive into the latest advancements, challenges, and focuses within the data management industry.

    In this report, you'll find:

    • Strategic business priorities impacted by data
    • Planned data management projects over the next 12 months
    • The current state of data management
    • How proper data management is critical in adhering to General Data Protection Regulation (GDPR)
  • Q4 2017 Experian/Moody's Analytics Main Street Report
    Document Published Date: Feb 6, 2018

    The overall outlook for small-business credit is positive. Outstanding balances rose in the fourth quarter, as did the average balance outstanding per business. Delinquency and default rates rose slightly, suggesting that credit conditions have loosened. Continuing strength in the macroeconomy will keep small business moving in the near term, along with higher profits from the recently passed tax legislation. Small-business credit will be less certain in the medium to long term as rising wages and tax code changes take a toll.

  • Q3 2017 Experian/Moody's Analytics Main Street Report
    Document Published Date: Nov 30, 2017

    The overall outlook for small-business credit is stable. Outstanding balances on small-business credit declined slightly in the third quarter, continuing a two-year trend. Delinquency and default rates were steady to declining, and business balance sheets continue to improve. Continued improvement in the labor market and economic growth bodes well for credit performance in the short term. Despite the overall optimism, pockets of localized weakness are developing and will warrant observation over the next few quarters.

  • Data migrations begin (and end) with data quality
    Document Published Date: Sep 15, 2017

    Most companies are likely to undergo a data migration project at some point. Our 2017 global data benchmark report revealed that 83% of data migrations fail or exceed their budgets and schedules. Given all this business investment, doesn't it make sense to invest in the quality of data being migrated before it costs your organization?

    This white paper takes a look at the biggest obstacles in data migrations, how to complete a migration project in time and on budget, and provides a pre-migration impact assessment checklist to ensure your data migration success.

  • Experian/Moody's Analytics Q2 2017 Main Street Report
    Document Published Date: Aug 8, 2017

    Small-business delinquency rates experienced broad-based improvement in the second quarter. With job growth expected to continue, putting more money in consumers’ pockets, small businesses will continue to outperform in the short term. As performance on small-business loans and lines of credit improves, credit is expected to flow more freely as banks and other lenders compete for business. Although tax reform and infrastructure investment could provide an additional boost to small-business activity, consumer spending will be the driving force for small-business credit over the next quarter — and throughout the rest of the year. Read our blog post for more details.

  • Experian/Moody's Analytics Q1 2017 Main Street Report
    Document Published Date: Aug 7, 2017

    Credit utilization rates expanded briskly in the first quarter of 2017. Taken with upside risk, which at the moment outweighs downside risk, credit conditions for small businesses are looking up. Rates of severe delinquency are declining broadly, and credit constraints should ease as a result. However, balance growth is threatened by the lack of clarity regarding fiscal policies. Small-business credit will be defined this year by what happens with the potential revisions to government policies and how full or nearly full employment translates into activity for small firms.

  • As organizations today look to their data to power business opportunities, the role of the chief data officer (CDO) is becoming increasingly mission-critical. While the value a CDO brings to businesses is widely acknowledged by C-level executives, not all CDOs are set up for success. In our latest research report, Experian Data Quality spoke with over 50 CDOs to understand how their roles have changed in recent years, and how the realities of the position may differ from CDOs' expectations.

  • Experian/Moody's Analytics Q4 2016 Main Street Report
    Document Published Date: Feb 27, 2017

    Small business credit balances expanded broadly in the fourth quarter driving delinquency rates down. Taken with upside risk, which at the moment outweighs downside risk, credit conditions for small businesses are looking up. Balances are growing in the Southeast and West, and delinquency rates are low throughout the country. The theme for 2017 will be robust balance growth and falling delinquencies. Combined with the prospect of tax reform, small businesses look set to thrive in the near future.

  • The 2017 Global Data Management Benchmark Report
    Document Published Date: Feb 1, 2017

    Organizations today recognize the importance of the data they hold, but a general lack of trust in the quality of their data prevents them from achieving strategic business objectives. For 2017, Experian Data Quality's global data management benchmark report looks at responses from more than 1,400 data management professionals across the globe to understand how data is being used within organizations and how perceived trust in that data impacts business priorities.

  • Experian/Moody's Analytics Q3 2016 Main Street Report
    Document Published Date: Nov 15, 2016

    Small-business credit declined slightly in the third quarter, led by the mining and transportation/utility industries. Businesses have access to plenty of credit, and utilization rates remain low. The low delinquency/bankruptcy environment combined with low utilization rates leads to an overall positive outlook over the next several quarters. However, this optimism could change rapidly if interest rates rise or slow economic growth persists. Agriculture and construction credit remain bright points in the small-business credit outlook. Despite some downside risks, the sectors remain stable and well-positioned for growth.

  • Building a Business Case for Data Quality
    Document Published Date: Oct 7, 2016

    At Experian Data Quality, we believe data is at the heart of every organization, and the quality of that data is fundamental to future business success. If you're looking to implement a data quality program at your organization, it's likely that you'll need to present a case to your business's leadership. We surveyed more than 400 professionals around the globe who have direct experience with developing proposals for data quality to learn about the challenges they faced and how they achieved success. In this report, we discuss our findings from this unique study and provide proven best practices to help you expedite the process of putting forward a proposal for data quality. At the end of the report, you'll find a business impact worksheet that will help you to identify and quantify data quality needs at your organization.

  • Telephone Consumer Protection Act Q&A
    Document Published Date: Sep 30, 2016

    Telephone Consumer Protection Act (TCPA) litigation continues to be a risk for companies that communicate with consumers. In this Q&A, Expert Michael Goodman will help you understand the latest happenings with the TCPA so you can minimize your exposure.

  • Experian/Moody's Analytics Q2 2016 Main Street Report
    Document Published Date: Aug 25, 2016

    The Experian/Moody’s Analytics Main Street Report brings deep insight into the overall financial well-being of the small-business landscape. Small-business credit conditions improved in the second quarter. With the exception of some specific segments, delinquency and bankruptcy rates declined. Sentiment among small businesses is positive, with 11 percent planning to increase employment and 26 percent considering additional capital investment. Despite some downside risks, the sectors remain stable and well-positioned for growth.

  • Mobile marketing best practices guide
    Document Published Date: Jul 29, 2016

    As marketers apply a more customer-centric, cross-channel approach to their marketing efforts, mobile has become one the most critical channels and tools for marketers to effectively acquire, engage and convert customers.

    The guide includes:

    • The current state of the mobile market and top business challenges marketers face with their mobile strategies
    • Tactical approaches for developing a successful mobile marketing program that supports true, end-to-end intelligent engagement
    • Examples of intelligent mobile interactions based on best practices from Experian Marketing Services’ mobile experts

    This guide contains data from our quarterly email benchmark series. To download the latest email benchmark report, click here.

  • Q1 2016 Email Benchmark Report
    Document Published Date: Jul 29, 2016

    Overall email marketing trends for the first quarter

    Key findings include:

    • Email volume rose by 25.9% compared to Q1 2015, while open rates matched or were above those in Q1 2015.
    • Unique click rates rose 8.5% over Q4 2015
    • 30% of brands saw statistically significant increases in transaction rates in Q1 2016.

    In this report's spotlight on section, we examine mobile text message campaigns and their performance over the past 5 months. Download the report to learn more about how consumers are interacting with mobile.

  • Experian/Moody's Analytics Q1 2016 Main Street Report
    Document Published Date: Jul 1, 2016

    Experian®, the leading global information services company, and Moody’s Analytics have teamed up to develop the new Experian/Moody’s Analytics Main Street Report. Unlike previous quarterly analyses, the new report brings deeper insight into the overall financial well-being of the small-business landscape, as well as providing commentary around what certain trends mean for credit grantors and the small-business community as a whole. Key factors of the Main Street Report include a combination of business credit data (credit balances, delinquency rates, utilization rates, etc.) and macroeconomic information (employment rates, income, retail sales, investments, etc.).

  • 2016 Relevancy Ring ESP Buyers Guide Positions Experian #1
    Document Published Date: May 13, 2016

    The Relevancy Group’s annual assessment of email marketing service providers has been released for 2016, and Experian Marketing Services took the top spot in the report among all vendors, coming out as both the largest ESP and #1 in the Leader’s Ring.

    Our top placement can be attributed to a number of positives, including:

    • Most native functionality of all vendors in both omnichannel and content/personalization tools categories
    • More than 2X the data centers of any other vendor
    • Client satisfaction across the board – Experian Marketing Services received multiple client satisfaction awards in seven categories, and all clients boasted about the partnership they share with Experian
  • The 2016 Digital Marketer
    Document Published Date: May 13, 2016

    The 2016 Digital Marketer Report covers the top challenges and priorities of marketers today, with a special focus on what we heard from executive-level marketers at enterprise companies. The research includes insights from more than 1,100 marketers around the world, plus Experian Marketing Services’ expert analysts.

  • The 2015 Digital Marketer
    Document Published Date: May 13, 2016

    Insights from more than 1,000 marketers worldwide

    The 2015 Digital Marketer Report provides trends, benchmarks, best practice examples and insights from our expert analysts on topics such as:

    • How the top challenges to cross-channel marketing can also be your biggest opportunities
    • Identifying your customers regardless of channel or device
    • Planning and orchestrating customer-centric cross-channel campaigns
  • The 2016 Global Data Management Benchmark Report
    Document Published Date: Feb 17, 2016

    Every year, Experian Data Quality conducts a study to look at the global trends in data quality. This year, research findings reveal how data practitioners are leveraging and managing data to generate actionable insight, and how proper data management is becoming an organization-wide imperative. Our annual global benchmark report takes a close look at the data quality and data management initiatives driving today's businesses. See where you line up and where you can improve.

  • The State of Online Marketplace Lending
    Document Published Date: Dec 2, 2015

    In 2008, a short two years after the first online marketplace lenders opened for business, the Great Recession began to wreak havoc on worldwide financial markets. Small businesses struggled to survive, banks failed and access to capital was limited. More online lenders saw an opportunity and opend for business. These technology-driven newcomers hired an army of data scientists, coders and digital marketers. In the fall of 2015 the innovation, industry disruption and regulatory uncertainty that characterize this dynamic sector led Experian to produce a series of articles focusing on different aspects of online marketplace lending. This report contains those articles.

  • Whether you are a federal, state or local government professional, we have the comprehensive data and integrated analytics you need to prevent fraud, waste and abuse, verify eligibility requirements, protect against cyber-security threats and improve collection outcomes. Please complete this short survey for us to best identify your area of need. You will then receive resources to help your agency succeed.

  • The 2015 Global Data Quality Benchmark Report
    Document Published Date: Sep 24, 2015
    Data has become a central part of any organization¿s strategy, but the impact of bad data can be huge. On average, U.S. companies say 32 percent of their data is bad. Experian Data Quality surveyed more than 1,200 professionals on their organization data management practices. Learn how practitioners today are managing and using valuable data to generate actionable insight with our Data Quality Benchmark Report.
  • Since the financial crisis, lenders are less willing to take on credit risk, particularly of smaller business customers. However, as the CFO Magazine ebook entitled Gaining efficiencies and access: Finance and the credit lifecycle demonstrates, streamlining the credit-risk-management life cycle enables lenders to feel more confident extending credit to prospective small businesses, thus revitalizing our economy and business growth. In order to make wise decisions about credit extensions, senior finance executives need a blend of external and internal information to gain the best possible perspective on their risk: a forward-looking (rather than merely historical) perspective that takes potential upside opportunities into account (rather than focusing exclusively on possible downsides).
  • The Growing Need for Chief Data Officers
    Document Published Date: Sep 22, 2015

    As companies across the globe realize the transformative effects of better harnessing their data, a new role is growing in popularity: the chief data officer (CDO). To better understand this trend, Experian Data Quality conducted a study of CIOs and CDOs to understand typical data challenges within organizations, the changing data management landscape and the growing need for the CDO (and consequences for CIOs). Key findings and CDO-related statistics are detailed in our comprehensive report. Download our CDO Research report to learn more.

  • Interactive eBook: Protecting the Customer Experience
    Document Published Date: Aug 13, 2015
    Fraud continues to grow and evolve, affecting consumers, businesses and agencies alike. As technologies evolve and information security tightens, the savvy nature of fraudsters becomes more sophisticated. Fraudsters are continually striving to be one step ahead of the next fraud-prevention strategy. As consumers move from face-to-face interaction to online and mobile transactions, there is a pressing need for more elaborate and accurate fraud prevention.
  • Insurance Industry Update - Winter 2015
    Document Published Date: Jul 21, 2015

    In this update we provide an overview of Commercial Risk Database Plus along with data quality improvement statistics.

  • Insurance Industry Update - Spring 2015
    Document Published Date: Jul 21, 2015

    In this update we report on improvements in our data coverage and provide a progress report on alternate data sources.

  • Data Breach Response Guide 2014-2015 Edition
    Document Published Date: Jul 8, 2015

    According to a recent data breach preparedness study by the Ponemon Institute, much has changed in the world of data breaches in the past year; some are positive, others a bit more challenging. It's no secret that, according to the study, more companies suffered a data breach in 2013 versus the year before.

    The more organizations can do to prepare themselves, by developing and maintaining a comprehensive data breach response plan, the better off they will be in the months and years to come.

  • Turning the page from recovery to growth, small businesses continue to have access to a wider availability of credit, as credit conditions reached the highest level on record, improving for the third consecutive quarter. Outstanding credit balances grew by 2.2 percent from a year ago, while delinquency rates declined to a cyclical low of 8.5 percent, both of which contributed to the improvement in the index.

  • Following a full year of steady improvement, small-business credit conditions stumbled during the first quarter of 2014. Credit balances receded slightly from the end of 2013 and the delinquency rate ticked higher to 9.8 percent from 9.6 percent. The setback was fueled in part by harsh winter conditions which may have also slowed employment gains. Weaker GDP growth and a decelerated retail sales growth rate of only 0.3 percent also contributed to the Q1 shortcoming.
  • Small-business credit conditions improved for the fourth consecutive quarter in the final three months of 2013. The Experian/Moody's Analytics Small Business Credit Index advanced 1.2 points to 117 from a revised 115.8 (previously 118.5*) in the third quarter. The fourth quarter reading is the highest since data tracking for the index began and is a solid indication that small businesses are finally reaping some of the benefits of the nearly five-year-old U.S. recovery.
  • 2014 Data Breach Industry Forecast
    Document Published Date: Nov 21, 2013
    The number of data breaches both experienced and reported is expected to continue to rise, with new security threats and regulations pushing for more transparency on the horizon. All signs are pointing to 2014 being a critical year for companies to better prepare to respond to security incidents and data breaches.
  • Small-business credit quality improved markedly in the third quarter, lifting the Experian/Moody's Analytics Small Business Credit Index 2.3 points higher to 118.5 from an upwardly revised 116.2 (previously 111.7*) in the second quarter. The most recent index value is the highest since its inception and is an encouraging sign that small firms' financial houses are finally starting to fall into order. The index measures credit quality for firms with fewer than 100 workers and has trended upward for the past year. Credit balances expanded at their fastest pace in at least two years, and the delinquency rate has fallen consistently. Ten percent of outstanding small-business credit balances were past due in the third quarter, down 0.7 percentage point from a year ago and the smallest share since the recovery began. *Recalibration of the index led to the larger-than-average revision.
  • Small-business credit conditions strengthened in Q2, lifting the Experian/Moody's Analytics Small Business Credit Index to the highest level since it began tracking in 2010. Though small-business recovery has been inconsistent regionally, findings from the report indicate that firms have steadily reduced their delinquent debt over the past year. Balance volumes for all business sizes receded measurably from last year, bringing down delinquency rates. Furthermore, credit quality has strengthened for every business size. At an average of 10.2 percent, the total share of delinquent dollars is 2.4 percentage points lower than it was a year ago and is at the lowest point on record. Looking forward, small-business credit quality is expected to continue improving at a modest pace until spending growth accelerates sometime in 2014.
  • Although higher tax burdens on U.S. households were expected to make it more difficult for small companies to pay down debts, small business credit conditions improved in the first quarter of 2013, reversing much of the deterioration seen during Q4 2012. The improvement in credit quality has largely been the result of firms keeping a tight lid on labor costs. And while the overall picture has brightened for small companies over the past year, credit conditions are improving unevenly, both by firm size and geographically. Looking at the future, buyers are expected to continue closely watching their finances through the next quarter, limiting their discretionary spending which will cap revenue gains at small companies. Additionally, small-firm employment is likely to stay flat through the fall in preparation for "Obamacare" taking into effect in 2014.
  • Small business credit quality continued to deteriorate in the fourth quarter as the Experian/Moody's Analytics Small Business Credit Index dropped 6.8 points to land at 97.3, its lowest reading during our observation period. The index was driven lower by a slowdown in personal income growth and an increase in delinquent balances, which kept retail sales in check and drove small business revenues lower. Over the next few months, small companies will face setbacks as buyers adjust to smaller paychecks and hiring is quelled by political uncertainty, but credit quality is expected to improve by year's end and going into 2014.
  • Findings from the Q2 2012 Experian/Moody's Analytics Small Business Credit Index report finds small business credit conditions have improved slightly amid economic concerns.
  • A Survey on Healthcare Information Security
    Document Published Date: Mar 6, 2012
    This survey reveals that 43 percent of healthcare organizations grade their ability to counter information security threats as poor, failing or in need of improvement. This can lead to an increased risk of a data breach. Learn what preparing for a data breach means and the steps that need to be taken from our industry experts.
  • December 2011 Business Benchmark Report
    Document Published Date: Jan 31, 2012
    The Business Benchmark Report is a quarterly look at how U.S. businesses are faring. Designed to monitor the progress of business recovery, the report looks at four key indicators of business health.
  • September 2011 Business Benchmark Report
    Document Published Date: Oct 18, 2011
    The report shows that all U.S. businesses have demonstrated an increase in slow payment compared with September 2010, with large businesses showing the greatest increase.
  • June 2011 Business Benchmark Report
    Document Published Date: Aug 23, 2011
    The Business Benchmark Report is a quarterly look at how U.S. businesses are faring. Designed to monitor the progress of business recovery, the report looks at four key indicators of business health.
  • March 2011 Business Benchmark Report
    Document Published Date: Jul 1, 2011
    The Business Benchmark Report is a quarterly look at how U.S. businesses are faring. Designed to monitor the progress of business recovery, the report looks at four key indicators of business health.
  • Over $1 billion paid out in fraudulent benefit claims & social housing provision could be eradicated if simple fraud-prevention techniques were implemented more widely across the public sector.

  • Second Annual Survey on Medical Identity Theft
    Document Published Date: Mar 1, 2011
    This survey reveals the lack of awareness many Americans have about medical identity theft and the devastating consequences it can have. These include financial loss, incorrect medical records and harm to their credit scores. Moreover, medical identity theft appears to be an easy crime to commit.
  • December 2010 Business Benchmark Report
    Document Published Date: Jan 31, 2011
    The Business Benchmark Report is a quarterly look at how U.S. businesses are faring. Designed to monitor the progress of business recovery, the report looks at four key indicators of business health.
  • November 2010 Business Benchmark Report
    Document Published Date: Nov 1, 2010
    The Business Benchmark Report is a monthly look at how U.S. businesses are faring. Designed to monitor the progress of business recovery, the report looks at 4 key indicators of business health.
  • September 2010 Business Benchmark Report
    Document Published Date: Oct 31, 2010
    The Business Benchmark Report is a quarterly look at how U.S. businesses are faring. Designed to monitor the progress of business recovery, the report looks at four key indicators of business health.
  • October 2010 Business Benchmark Report
    Document Published Date: Oct 1, 2010
    The national avg. days that businesses paid their bills beyond contracted terms remained flat when compared with September, but this metric has seen a 10% increase since the beginning of the year.
  • August 2010 Business Benchmark Report
    Document Published Date: Aug 1, 2010
    The percentage of dollars delinquent has increased by 6%. This has been following a consistent trend over the last 6 months, where percentage of dollars delinquent has shown a 14% increase.
  • July 2010 Business Benchmark Report
    Document Published Date: Jul 1, 2010
    The national average number of days that businesses paid their bills beyond contracted terms increased by 2 percent in July compared with June.