Welcome to the Experian Thought Leadership Hub

The fintech landscape is evolving rapidly—and 2025 is a pivotal year. Experian’s State of Fintech 2025 Report delivers exclusive insights into the market forces, consumer behaviors, and credit trends shaping the future of financial services. Learn how leading fintechs are adapting and where the next wave of growth is emerging.

In this report, you’ll discover:

• How fintechs are regaining market share in unsecured personal loans
• The impact of rising delinquencies and student loan repayments
• What Gen Z and Millennial borrowers expect from digital lenders
• 7 strategic imperatives to scale responsibly in a volatile market

Experian surveyed product, fraud and credit risk leaders across 10 countries to understand where underwriting is headed. The takeaway is clear: it’s evolving to be frictionless, embedded and nearly instant.

In this report, you’ll discover:

• How credit underwriting is expected to evolve by 2030
• The primary forces driving these changes
• Key takeaways to help your business lead into the next decade

2025 has presented a new wave of challenges for workers and employers to navigate. From immigration policy changes and federal employment cuts, to growing AI capabilities, reduced hiring and job creation revisions, we have seen new dynamics evolve this year that will likely continue to impact the labor market going forward.

The Q3 Labor Market Monitor tracks data from a variety of sources to shed light on these dynamics and gives readers a more comprehensive view of the job market.

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."

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

Experian’s tenth annual Identity & Fraud Report unpacks the major trends reshaping identity, fraud, and digital trust in 2025. Based on insights from over 2,000 U.S. consumers and 200 business leaders, this year’s findings offer a clear-eyed view of what’s driving concern, where expectations are shifting, and how organizations must evolve to stay ahead.

Key takeaways include:

• Fraud is growing—and changing fast: Nearly 60% of U.S. businesses report higher fraud losses in 2025, driven by more sophisticated attacks and legacy security gaps.
• Trust is earned, not assumed: Only 13% of consumers feel fully secure opening new accounts—yet 40% say strong identity experiences build trust.
• AI is both a weapon and a shield: 72% of businesses expect AI-generated fraud to be a top challenge, even as more invest in AI to fight back.
• Consumer fears remain high: Identity theft (68%) and stolen credit card data (61%) top the list of consumer concerns—for the second year running.

As regulations continue to change, financial institutions must establish robust risk management practices and adopt technology that matches the scale and speed of compliance requirements.

Key priorities include:

• Strengthening model governance and transparency
• Enhancing explainability and responsible AI integration
• Reducing compliance burden through seamless automation
• Ensuring consistency across model validation and approval processes

Read our full report to learn more about the growing importance of monitoring, transparency, and automation in model risk management.

While the US economy has so far avoided the worst-feared outcomes of higher tariffs, there remains significant uncertainty and concern over outlook, which is driving caution among lenders. In our just-released Q2 2025 Lending Conditions Chartbook, we break down the latest economic developments and do a deep dive into credit conditions across product segments, regions, and lender types. Key insights include:

• Unemployment remains low, but there are ongoing signs of softening in the labor market.
• Real incomes have improved somewhat after softening for most of 2024, which may continue to support consumer spending.
• The housing market continues to be constrained by high prices and interest rates, which are impacting affordability.

Economic uncertainty is often seen as a deterrent to growth, but for many Americans, it’s become the fuel for a fresh start. As inflation wavers and traditional employment structures shift, more individuals are stepping out of corporate roles to pursue business ownership. In this week’s Commercial Pulse Report, we take a closer look at what’s driving this wave of entrepreneurial activity.

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

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