2025 Data Breach Industry Forecast

The U.S. economy continues to surprise with its resilience - growth forecasts are improving, equity markets are hitting new highs, and fears of an imminent recession are fading. Joseph Mayans’ Vision 2025 session, “Navigating 2026: Global Macro Shifts, U.S. Credit Trends and the Evolving Lending Landscape,” explored the economic forces shaping the next year - from the AI-driven equity boom to structural vulnerabilities in the white-collar labor market. His key takeaway: while AI innovation is fueling growth and optimism, it also introduces new dependencies and risks that will define the next economic chapter.

Highlights:

• The AI Trade’s Dominance: Economic optimism is increasingly tied to the AI investment cycle—AI spending fuels stock gains, which in turn sustain higher-income consumer spending.
• Potential Vulnerability: Overreliance on AI-driven growth leaves the economy exposed if those massive investments fail to deliver expected productivity gains.
• Labor Market Shifts: AI is intensifying existing white-collar labor market imbalances—more graduates, fewer roles, and increasing automation pressure.
• Credit Market Implications: Rising white-collar vulnerability poses a growing risk for prime credit segments, especially if economic momentum slows.
• Future Readiness: As Sol Rashidi emphasized, humans’ edge lies in creativity and critical thinking—skills that should be strengthened, not outsourced, to AI.

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.

Changes in consumer behavior and advancements in data and technology mean that traditional collection methods may no longer produce the best results. 

Download our checklist for four key signs  that your strategy needs updating and how modern solutions can help:

• Lack of proper account prioritization 
• Low engagement and high call avoidance  
• Outdated scoring or models 
• Inefficient manual processes

Explore Experian’s latest State of Student Loans white paper to uncover key trends, borrower insights, and the evolving impact of student debt on financial health. Learn how data-driven solutions can help lenders and consumers navigate today’s student loan landscape.

Key considerations include:

• Strategies to engage consumers proactively to provide resources
• Recalibration of risk models
• Mitigating fraud while navigating the changing landscape