Lending Conditions Chartbook Q1 2025

Gain a clearer view of how consumers earn, spend, and manage their money in today’s evolving economic landscape. In this webinar, Experian experts break down the financial behaviors shaping demand, risk, and growth—using macroeconomic trends, credit data, and transaction-level cash flow insights.

• Key trends in spending, income stability, and cash flow
• What credit and cash flow signals reveal about your customers
• How to apply these insights to marketing, risk, and growth strategies 

The consumer credit market entered 2026 on stable footing, but rising uncertainty - from geopolitical conflict, energy costs, and interest rates - is reshaping the outlook for lenders and consumers alike. Explore what’s changing and what it means for your strategy.

• Delinquencies stabilizing, standards easing
  
• Rising costs pressuring consumer affordability
  
• New risks shaping lending growth outlook

Financial Frontiers explores the structural shifts, emerging technologies, and regulatory developments reshaping financial services. In this inaugural brief, we examine how stablecoins are moving from niche crypto instruments to institutional financial infrastructure — and what that means for strategy, liquidity, and competitive positioning.

• Why stablecoins are gaining institutional traction
  
• Regulatory momentum and implications for financial firms
  
• Strategic questions leaders should be asking now

Mortgage lenders face rising fallout, affordability strain, and shifting borrower expectations. This white paper explores how embedded financial wellness strengthens conversion, reduces risk, and builds long-term trust.

• Improve inquiry-to-close conversion
• Manage risk with real-time credit insights
• Address affordability pressures proactively
• Deepen engagement and drive sustainable growth