Welcome to the Experian Thought Leadership Hub

Millions of U.S. households remain unbanked, yet many possess the ability to borrow responsibly. Read our infographic to learn how you can leverage real-time cashflow data to: 

• Reach consumers with little or no credit history. 
• Tailor products to real financial behaviors. 
• Make faster, more confident decisions.  
• Improve access to credit and enhance portfolio performance.

Outstanding student loan debt in the U.S. has reached an all-time high of $1.63 trillion, and the ripple effects are being felt far beyond the personal finance arena. This unprecedented debt burden is now shaping the way many small business owners borrow, manage credit, and maintain financial stability.

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

Subscribe to Commercial Pulse Report

The latest Jobs Report casts doubt on the Fed’s (and many economists’) narrative that the labor market is on solid footing. New data now show that job creation is near stall speed and other areas of the economy are slowing as well. This data, combined with a growing view that the impact of tariffs on inflation will neither be as significant as first anticipated (though still meaningful) nor as persistent, is likely to lead the Fed to cut rates at their September meeting. Get the latest on these trends, plus our new Fed rate cut forecast in Joseph Mayans' latest Macro Moment, "Rate Cuts Incoming."

Although the U.S. economy remains solid and has resisted a broader slowdown thus far in 2025, the outlook remains highly uncertain. In this environment, it is imperative for businesses to stay on top of the latest economic developments. Experian’s Chief Economist Joseph Mayans, Director of Fintech Gavin Harding and Head of Automotive Financial Insights Melinda Zabritski, will provide a look into:

• The latest economic, credit and automotive finance trends
• Forecasts for the rest of the year and beyond
• Answers to today's most pressing questions

Based on findings from our 2025 U.S. Identity and Fraud Report, this webinar explores how businesses can navigate rising risk, meet growing consumer expectations, and stay ahead of increasingly complex attacks. 

Key highlights: 

• Concern is still high: 57% of U.S. consumers are concerned about doing things online. 
• Identity theft leads the pack: 68% of consumers worry about identity theft, and 61% about stolen credit card data. 
• Fraud is rising: 59% of businesses report increased fraud losses, and 70% plan to boost fraud prevention budgets in 2025. 
• Trust is hard to earn: Only 13% of consumers feel fully secure opening accounts with new brands. 

Experian and Plaid have teamed up to power smarter, more inclusive lending.

Read our one pager to discover how the new integration helps you:

• Sharpen risk assessments
• Uncover new growth opportunities
• Increase approval rates

As temperatures rise across the U.S., so does the nation’s appetite for travel—and the Leisure & Hospitality sector is feeling the heat. In this week’s Commercial Pulse Report, we examine how soaring consumer demand intersects with evolving credit conditions for businesses in travel, lodging, and transportation.

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

Subscribe to Commercial Pulse Report

Financial institutions face numerous challenges when complying with model risk management regulations. Watch our Model Risk Management for Regulatory Excellence webinar and discover more from our experts Ankit Sinha and Masood Akhtar on how to:

• Automate documentation processes
• Reduce regulatory risk
• Speed up time-to-market
• Monitor for performance

The pace, scale and complexity of data breaches are accelerating — and even the most prepared organizations aren’t immune. What sets leaders apart is how quickly and effectively they respond. Our 2025-2026 Data Breach Response Guide can help you strengthen your readiness, limit damage and recover faster. 

Gain insights into: 

• Key trends in data breach types and attack vectors 
• Industries most impacted by breach activity 
• Step-by-step guidance for preparing and executing a breach response 
• How Experian can support your breach preparedness and notification efforts