Report
Published November 28, 2023
Alternative Financial Services Credit & Economic TrendsAccess our 2018 trends report, which dives into the latest findings attached to the industry and the consumers utilizing Alternative Financial Services products. Uncover new data on payment behavior, credit utilization and quality, and consumer stability for those individuals using products like short-term loans, pawn shops, payday loans, rent-to-own and beyond.
Discover how traditional lenders can benefit from these data insights, as well as what it reveals about subprime consumers.
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Report
State of Fintech 2025: Trends, Risks & Growth Strategies
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
Video
How Small Businesses Have Changed Since the Pandemic
According to Experian’s latest Commercial Pulse Report, business formation remains strong:
- 471,000 new business applications were filed in July alone
- Between 2018 and 2023, the number of new businesses establishing commercial credit rose by 38%
- New businesses today look more financially stable than those from earlier years
What’s driving this resilience?
👉 Faster tech adoption
👉 Hybrid business models
👉 Stronger financial fundamentals
The pandemic forced small businesses to transform at record speed. Now, they’re leveraging those lessons to build smarter, more adaptable enterprises.
Check out the full report to see how these trends could impact your strategy!
Webinar
Q2 2025 Quarterly Business Credit Review Webinar
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