Understanding the Consumer: Trends in Financial Behavior and Spending Patterns

Explore key trends shaping the U.S. labor market and how workers are faring in today's economy.

• Examine job creation, unemployment and wage growth
• Explore research on AI's labor market impact
• See how healthcare is driving employment growth

Prepare your checkout strategy for peak shopping season with practical guidance on balancing fraud prevention and customer experience.

• Learn how false declines affect revenue and loyalty.
• Explore layered identity and authentication strategies.
• Improve approvals while reducing unnecessary checkout friction.
• Review a retailer case study with measurable business outcomes.

Telecom providers are operating in a mature market where customer behavior and credit trends are shaping performance. This report explores how those shifts influence outcomes across the lifecycle, including:

• Early-stage delinquency and payment behavior
• Acquisition and upgrade exposure
• Alternative data, including ITIN populations
• Lifecycle drivers of long-term performance

Read the latest State of Fintech Report to see strategy playbook fintechs are implementing in 2026 and beyond. Key insights include:

• How fintech leaders are balancing growth, fraud risk and portfolio performance
• Why data strategy is becoming a competitive advantage in credit decisioning
• How identity, credit and behavioral signals are enabling smarter lifecycle decisions
• Practical actions fintech organizations can take to grow with confidence in 2026