Increase retention, mitigate risk

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

Smarter lending starts with greater visibility.

Read our one pager to discover:

• Why leveraging cashflow data is imperative in today's modern lending environment   
• The types of financial behaviors cashflow data reveals
• The benefits of leveraging cashflow data

This white paper explores the transformative potential of Home Equity Lines of Credit (HELOCs) in 2025, a year marked by record-high homeowner equity and shifting consumer credit behavior. It offers data-driven insights into how lenders can tap into the $29 trillion in untapped equity by leveraging advanced analytics, behavioral segmentation, and digital innovation to meet evolving borrower needs.

Key Takeaways:

• $29T in Untapped Equity: Millions of homeowners are ideal HELOC candidates but remain underserved.
• Behavior Gap: Many consumers default to credit cards due to misconceptions about HELOCs.
• Smart Targeting: Use data to identify Revolvers and tailor offers that resonate.
• Digital Advantage: Compete with fintechs by streamlining approvals and closings.

Join our speakers Ankit Sinha and Erin Haselkorn to discover how Experian’s AI solutions help financial institutions accelerate the modeling lifecycle, integrate efficient feature deployment, and achieve regulatory compliance.

Learn from our experts about:

• New automation in model building and deployment
• Model governance and compliance
• Innovative ways to leverage data throughout the customer lifecycle