Welcome to the Experian Thought Leadership Hub

Experts from Experian, Micronotes, and Premier America Credit Union explore how credit unions can reach the right prospects at the right time to drive measurable loan and member growth.

Learn how background screeners can modernize employment verifications and improve outcomes:

• Reduce manual intervention with digital response channels
• Maintain compliance while strengthening data accuracy
• Boost efficiency and client confidence with best practices

First-party fraud and credit risk are often indiscernible at origination, resulting in misclassified losses. Learn how to separate the two — and why the easiest way to do so may be hiding in plain sight. 

Key insights:

• Why first-party fraud and credit risk are so difficult to differentiate
• The financial and strategic costs of misclassified losses
• How first-payment default can unveil fraud early

Discover the transformative trends reshaping the future of underwriting, from agentic AI to alternative credit data.

A few spoilers:

• 80% of leaders will leverage alternative data vs. traditional data by 2030.
• 62% see fraud prevention as one of the key reasons for alternative data adoption
• More than 61% anticipate that scoring, decisioning and data collection will be outsourced by 2030.

Experian’s Brodie Oldham, VP of Commercial Data Science, and Marsha Silverman, Strategic Analytic Consultant revealed several insights on how small businesses are performing during the Q2 Quarterly Business Credit Review.

During the webinar we asked the audience:

• Which macroeconomic factor is having the greatest impact on small business credit conditions this year?
• What actions if any have you taken in 2025 in response to additional tariff?
• How are small businesses adapting to tighter credit conditions in 2025?

Why you should watch:

• Leading Experts on Commercial and Macro-Economic Trends
• Credit insights and trends on 30+ Million active businesses
• Industry Hot Topics Covered (Inclusive of Business Owner and Small Business Data)
• Commercial Insights you cannot get anywhere else
• Peer Insights with Interactive Polls (Participate)
• Discover and understand small business trends to make informed decisions
• Actionable takeaways based on recent credit performance

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. 

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

Join our speakers Ankit Sinha and Erin Haselkorn to discover how Experian’s AI solutions help financial institutions accelerate the modeling lifecycle, integrate efficient feature deployment, and achieve regulatory compliance.

Learn from our experts about:

• New automation in model building and deployment
• Model governance and compliance
• Innovative ways to leverage data throughout the customer lifecycle