Welcome to the Experian Thought Leadership Hub

Learn how SBFE data and Experian's analytical capabilities help lenders drive growth and improve decisioning.

• 20M+ small businesses and 110M+ accounts are represented in SBFE data, giving lenders significantly broader credit visibility than internal data alone. 
• Nearly 40% of new commercial credit activity is coming from businesses less than 1 year old, highlighting the importance of building credit visibility early. 
• AI is a top priority for 50% of banking leaders, but the webinar stressed that AI success depends on high-quality, validated, and enriched data.

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 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 

Explore key trends shaping the U.S. labor market and how workers are faring in today's economy.

• Examine job creation, unemployment and wage growth
• Explore research on AI's labor market impact
• See how healthcare is driving employment growth

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