Turning thin-file members into incremental growth

As Tribal lending evolves, understanding how consumer behavior, credit demand and portfolio performance are shifting is becoming increasingly important for effective risk strategy.

• Examine emerging credit and consumer trends across Tribal lending
• Understand where risk and growth opportunities are shifting
• Explore how more specialized data and analytics can improve risk differentiation
• Consider how purpose-built scoring can support more informed lending decisions

Explore credit card market trends through Q2 2026, including changes in originations, issuer performance and consumer segments.

• Track secured and unsecured credit card growth.
• Compare national banks, regional banks, credit unions, fintechs and subprime issuers.
• Examine origination trends by credit score and generation.

A national credit card issuer refreshed its financial wellness program with Digital Identity Manager to strengthen engagement and grow paid bundle revenue.

• Increased the paid bundle price by 18%
• Recorded 27,315 Digital Identity Manager activations in the first year
• Increased average new acquisitions by 47%, with a 1% increase in average deactivations

Explore economic conditions and consumer credit trends shaping the lending environment in Q3 2026.

• Economic and labor market indicators, inflation and interest rates
• Lending standards, credit demand and originations across major products
• Delinquency trends by product, borrower segment and lender type