Report
Published April 8, 2025
Economic & Market Insights Credit & Economic Trends
Download our report for insights into the major financial milestones your consumers are facing including:
- Gen Z’s journey to independently acquire their first credit products
- Millennials’ quest to become first-time homebuyers
- Baby Boomers and older Gen X reaching retirement
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Report
State of Fintech 2025: Trends, Risks & Growth Strategies
The fintech landscape is evolving rapidly—and 2025 is a pivotal year. Experian’s State of Fintech 2025 Report delivers exclusive insights into the market forces, consumer behaviors, and credit trends shaping the future of financial services. Learn how leading fintechs are adapting and where the next wave of growth is emerging.
In this report, you’ll discover:
- How fintechs are regaining market share in unsecured personal loans
- The impact of rising delinquencies and student loan repayments
- What Gen Z and Millennial borrowers expect from digital lenders
- 7 strategic imperatives to scale responsibly in a volatile market
Video
Used Cars Surge as Credit Tightens: The Auto Industry’s Balancing Act
As the automotive sector adapts to rising vehicle prices, shifting consumer behavior, and persistent inflation, the ripple effects are clearly visible in commercial credit activity. Experian’s latest Commercial Pulse Report (July 22, 2025) dives deep into the evolving credit dynamics within the auto industry—and one trend is clear: credit access is contracting across nearly every segment.
Check out the full report to see how these trends could impact your strategy!
Video
E-commerce is booming but fewer businesses seek credit
This week the Experian Commercial Pulse report focuses in on a fascinating paradox in the e-commerce industry that credit and risk management professionals should closely monitor. While online retail revenues continue their upward trajectory—now representing over 16% of total U.S. retail sales and generating quarterly revenues exceeding $300 billion—commercial credit inquiries from e-commerce businesses have declined by nearly 25% in the past year alone.
Check out the full report to see how these trends could impact your strategy!
Report
Q2 2025 Lending Conditions Chartbook
While the US economy has so far avoided the worst-feared outcomes of higher tariffs, there remains significant uncertainty and concern over outlook, which is driving caution among lenders. In our just-released Q2 2025 Lending Conditions Chartbook, we break down the latest economic developments and do a deep dive into credit conditions across product segments, regions, and lender types. Key insights include:
- Unemployment remains low, but there are ongoing signs of softening in the labor market.
- Real incomes have improved somewhat after softening for most of 2024, which may continue to support consumer spending.
- The housing market continues to be constrained by high prices and interest rates, which are impacting affordability.