Commercial and small business lending, optimized

Consumer financial behavior is changing between traditional lending checkpoints. See how continuous underwriting can improve visibility into risk and opportunity.

• Understand why Gen Z may be under-observed, not higher risk.
• See why secured-to-unsecured graduation merits closer monitoring.
• Explore a three-stage maturity model for signal-driven decisioning.

Learn how SBFE data and Experian's analytical capabilities help lenders drive growth and improve decisioning.

• 20M+ small businesses and 110M+ accounts are represented in SBFE data, giving lenders significantly broader credit visibility than internal data alone. 
• Nearly 40% of new commercial credit activity is coming from businesses less than 1 year old, highlighting the importance of building credit visibility early. 
• AI is a top priority for 50% of banking leaders, but the webinar stressed that AI success depends on high-quality, validated, and enriched data.

Prepare your portfolio before peak holiday spending with insights into changing consumer behavior, credit trends and risk signals.

• Understand how income divergence is reshaping portfolio risk.
• Learn how BNPL, AI and alternative data influence lending decisions.
• Identify strategies to grow wallet share while managing early delinquency risk.
• Prioritize actions before the holiday shopping season begins.

Learn how financial institutions can modernize model risk management to govern AI responsibly at scale.

• Explore adaptive AI governance principles for regulated environments
• Understand the LLM-as-a-judge governance review approach
• See how AI-assisted governance improves oversight, evidence and accountability