Global Insights 2025 Predictions

Standard credit scores overlook crucial financial behaviors, leaving 62 million U.S. consumers that are thin file or credit invisible without a score.

With alternative data, lenders can:

• Expand reach with precision
  
• Effectively mitigate risk
  
• Maximize ROI

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

𝗧𝗵𝗲 𝗹𝗮𝘁𝗲𝘀𝘁 𝗘𝘅𝗽𝗲𝗿𝗶𝗮𝗻 𝗖𝗼𝗺𝗺𝗲𝗿𝗰𝗶𝗮𝗹 𝗣𝘂𝗹𝘀𝗲 𝗥𝗲𝗽𝗼𝗿𝘁 𝗶𝘀 𝗼𝘂𝘁!

While job satisfaction remains high ⭐, 𝟭 𝗶𝗻 𝟰 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗲𝘀 𝗮𝗿𝗲 𝗰𝗼𝗻𝘀𝗶𝗱𝗲𝗿𝗶𝗻𝗴 𝗮 𝗷𝗼𝗯 𝗰𝗵𝗮𝗻𝗴𝗲 ⚠️.

Also, union membership is at a historic low—𝗷𝘂𝘀𝘁 𝟵.𝟵%—but public support is rising, especially among younger workers. These dynamics are reshaping employer-employee relationships, with big implications for small businesses.

𝗢𝘁𝗵𝗲𝗿 𝗸𝗲𝘆 𝘁𝗮𝗸𝗲𝗮𝘄𝗮𝘆𝘀:

✔️ Inflation cooled to 2.8%

✔️ 228K jobs added in March

✔️ Unemployment rose to 4.2%

✔️ Consumer sentiment dipped to its lowest since 2022

Small businesses continue to show resilience, with optimism inching up and business starts outpacing pre-pandemic levels.

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

Subscribe to Commercial Pulse Report

Relying solely on traditional credit scores can leave you with a limited view into consumers’ financial stability.

See how integrating alternative data can help you:

• Identify more qualified borrowers
• Spot potential risks
• Strengthen portfolio performance