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      White Paper

      Seeing the full picture: Making BNPL Payments Visible - The Ultimate Guide for Lenders

      Published February 10, 2023

      Data Sources

      In this report, we will debunk a few common BNPL myths and uncover the various ways in which transparency of BNPL data and benefit consumers and drive financial inclusion.

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      The 2025 U.S. rental market reflects broader economic conditions, shaped by shifting market forces and ongoing uncertainty. Landlords and property managers are navigating a complex landscape where understanding renter behavior, affordability challenges, and macroeconomic pressures is key to maintaining stable occupancy. By staying informed on these trends, they can better attract and retain long-term tenants.

      Key Insights:

      • Renter Financial Pressure: Renters across all demographics are facing rising debt and affordability issues, impacting their housing stability.
      • Rent-to-Income Imbalance: Rent prices continue to rise faster than incomes, increasing the financial burden on tenants nationwide.
      • Macroeconomic Impact: Factors like interest rates, unemployment, and housing development are reshaping rental market dynamics.
      • Strategic Adaptation Needed: Landlords must adapt to evolving renter preferences and market conditions to ensure long-term success.
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      Instead of relying on reactive, fragmented data, financial institutions need streamlined, governed and integrated feature development capabilities to accelerate model development and enhance transparency.

      Experian Feature Builder provides:

      • Centralized data access
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      • Key statistical reporting
      • Comprehensive feature lifecycle support

      Read our latest e-book to discover how your organization can transform raw data into custom, high-value features quickly and easily.

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      04 April 2025

      What traditional models miss about today's borrowers

      Relying solely on traditional credit scores can leave you with a limited view into consumers’ financial stability.

      See how integrating alternative data can help you:

      • Identify more qualified borrowers
      • Spot potential risks
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      Tip Sheet

      21 March 2025

      Cashflow scores — the future of lending

      Even in an uncertain economy, lenders can drive sustainable growth by leveraging cashflow data.

      Learn how cashflow data can help lenders:

      • Expand market reach
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