Welcome to the Experian Thought Leadership Hub

This report provides an in-depth analysis of the credit card landscape, offering key insights to help your business tackle today’s challenges and uncover opportunities for growth.

Key insights:

• Credit card debt reached an all-time high of $1.17 trillion in Q3 2024.
• About 19 million U.S. households were considered underbanked in 2023.
• Bot-led fraud attacks doubled from January to June 2024.

Learn how Risk and Retention Triggers℠ can help you gain deeper insights into the health of your portfolio.

Our solutions enable you to:

• Mitigate portfolio risk
  
• Strengthen customer relationships
  
• Increase customer lifetime value

With behavioral analytics, Grasshopper Bank supercharges their team’s efficiency through improved top-of-funnel fraud detection and better-informed resource allocation.

Key Results:

• More accurate rejection at top-of-funnel onboarding, drastically reducing manual review costs and API calls
• Streamlined client onboarding through advanced fraud detection tools
• Refined cost-awareness, informing operational spending for the acquisition team as well as fraud team

Fraud risks have held many financial institutions back from committing to real-time money movement, but the danger of indecision could cause hesitant businesses to miss out on billions. We break down the biggest myths around RTMM and how they’re impacting the financial world.

Key Insights:

• 80% of U.S. consumers want to make payments faster and more direct, opening a lucrative opportunity for businesses who offer real-time money movement capabilities
• How FedNow changes the RTMM landscape in the U.S.
• What makes real-time payments more vulnerable to fraud (and how fraud teams can adapt)

Watch the recording of the Quarterly Business Credit Review webinar, where Experian shared and discussed critical insights from the latest Main Street Report.

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

Visit our Commercial Insights Hub for more economic insights and reports on small business. 

Discover key strategies to protect your hiring process from the growing threat of employment fraud. This comprehensive playbook offers:

• Emerging fraud threats in the employment sector.
  
• The role of identity verification in hiring and preemployment.
  
• A checklist to help background screeners enhance identity verification and fraud prevention efforts.

Did you know that U.S. residential electricity prices have risen by 25% over the past five years? ¹ Download our tip sheet to learn four strategic actions that utility and telecom service providers can take to navigate current collection challenges and dramatically transform outcomes.

Explore how to:

• Successfully prioritize and implement a data-driven strategy.
• Ensure accurate contact data with skip-tracing tools.
• Leverage technology and AI/ML models to improve operations.
• Enhance the customer experience by tailoring interactions.

1. U.S. Energy Information Administration

Our 12th annual Data Breach Industry Forecast is your guide to navigating the evolving cybersecurity landscape. Packed with expert insights, this report helps you stay ahead of emerging threats in 2025.

• Explore exclusive predictions and cutting-edge analysis to anticipate key cyber risks.
  
• Learn about hacker-on-hacker crime, rising workplace fraud, and AI-driven attacks.
  
• Get actionable insights to protect your business — download the full forecast today.

The U.S. (United States) has been in a state of suspended animation from a small business perspective. The domestic election cycle was full of promises focused on government spending to resolve consumer and small business perceived challenges for the next four years. As we emerge from the election cycle, with a clean transition expected, what rhetoric will become a reality is creating uncertainty among lenders and small businesses. Macroeconomic indicators are leaning positive, while stubborn inflation increases prices and borrowing costs. Lenders are targeting a looser environment for underwriting as cashflows remain positive and small businesses feel the rush of holiday shopping. Growth is coming in 2025; the question is how quickly companies can prepare and maneuver through the next 6 months of policy and global volatility.