Fintech Futures: Scott Brown at Money 2020

Instead of relying on reactive, fragmented data, financial institutions need streamlined, governed and integrated feature development capabilities to accelerate model development and enhance transparency.

Experian Feature Builder provides:

• Centralized data access
• Advanced lineage tracking
• Streamlined feature registry
• Key statistical reporting
• Comprehensive feature lifecycle support

Read our latest e-book to discover how your organization can transform raw data into custom, high-value features quickly and easily.

The latest Experian Commercial Pulse Report reveals a complex but fascinating picture of the U.S. economy and the small business landscape. According to Javier Rodriquez-Paiva’s research, while headline indicators suggest moderation, like slowing inflation and a steady unemployment rate, beneath the surface, disparities in recovery and credit performance continue to deepen.

Check out the full report to see how these trends could impact your strategy!

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GenAI isn’t just changing the financial services industry; it’s redefining it. When faced with industry challenges and economic uncertainty, leading financial institutions strategically leverage GenAI to drive business growth and profitability.

Experian’s latest innovation, Experian Assistant, is empowering financial institutions stay ahead of the competition while driving strong business results.

Experian Assistant enables organizations to:

• Enhance operational efficiency
  
• Reduce costs
  
• Improve customer experience

Download our latest white paper to unlock insights into how you can improve internal productivity, serve your customers more effectively and generate revenue.

If we go into a recession, what does it mean for lending activity? What does it mean for delinquency? As banks, credit unions and fintechs grapple with these questions, sometimes it helps to look to the past for guidance.

In this latest Macro Moment, take a quick look back at prior recessions and their impact on unemployment, delinquency, and loan growth. Key insights include:

• In the last five downturns, unemployment peaked an average of three quarters after the recession ended.
  
• In the last four recessions, 30+ DPD delinquency on all loans increased by an average 1.6 percentage points.
  
• In the prior five recessions, quarterly credit growth slowed from 1.9% in the two years in the lead up to recession to -0.1% in the year following a recession.