Welcome to the Experian Thought Leadership Hub

Prepare your portfolio before peak holiday spending with insights into changing consumer behavior, credit trends and risk signals.

• Understand how income divergence is reshaping portfolio risk.
• Learn how BNPL, AI and alternative data influence lending decisions.
• Identify strategies to grow wallet share while managing early delinquency risk.
• Prioritize actions before the holiday shopping season begins.

Learn how fraud teams can recognize scam activity earlier and strengthen prevention across the customer lifecycle.

• Explore five common scam types and their lifecycles 
• Identify behavioral, device and payment red flags 
• Understand how AI is changing scam tactics 
• Discover tools for detecting high-risk activity sooner 

Prepare your checkout strategy for peak shopping season with practical guidance on balancing fraud prevention and customer experience.

• Learn how false declines affect revenue and loyalty.
• Explore layered identity and authentication strategies.
• Improve approvals while reducing unnecessary checkout friction.
• Review a retailer case study with measurable business outcomes.

Telecom providers are operating in a mature market where customer behavior and credit trends are shaping performance. This report explores how those shifts influence outcomes across the lifecycle, including:

• Early-stage delinquency and payment behavior
• Acquisition and upgrade exposure
• Alternative data, including ITIN populations
• Lifecycle drivers of long-term performance

See how NeuroID helped a money transfer leader reduce ATO losses and improve fraud detection.

• Achieved $1.4M in annualized gross savings by reducing fraud losses and operational costs.
• Delivered a 56x lift in chargeback predictive power using behavioral, device and network signals.
• Increased conversion rates by 2% while reducing manual reviews and maintaining a frictionless experience.
• Strengthened account takeover protection with real-time behavioral analytics and decisioning.

Learn how financial institutions can modernize model risk management to govern AI responsibly at scale.

• Explore adaptive AI governance principles for regulated environments
• Understand the LLM-as-a-judge governance review approach
• See how AI-assisted governance improves oversight, evidence and accountability

Discover how AI, fraud and identity are reshaping digital trust. Based on research with U.S. consumers and businesses, this report explores emerging trends and practical strategies.

• Understand today's evolving fraud landscape and AI-driven threats
• Learn how identity intelligence supports trust and customer experience
• Explore consumer expectations for security, privacy and personalization
• Prepare for the future of agentic commerce and digital trust

Read the latest State of Fintech Report to see strategy playbook fintechs are implementing in 2026 and beyond. Key insights include:

• How fintech leaders are balancing growth, fraud risk and portfolio performance
• Why data strategy is becoming a competitive advantage in credit decisioning
• How identity, credit and behavioral signals are enabling smarter lifecycle decisions
• Practical actions fintech organizations can take to grow with confidence in 2026

Learn how a proactive credit card graduation strategy helped America First Credit Union responsibly expand member relationships while maintaining strong portfolio performance.

• Increased more than 32,000 credit card limits
• Generated approximately $26 million in balance growth
• Maintained just 0.59% delinquency