Report
Published July 22, 2025
Fintech Credit Decisioning Risk Management
As regulations continue to change, financial institutions must establish robust risk management practices and adopt technology that matches the scale and speed of compliance requirements.
Key priorities include:
- Strengthening model governance and transparency
- Enhancing explainability and responsible AI integration
- Reducing compliance burden through seamless automation
- Ensuring consistency across model validation and approval processes
Read our full report to learn more about the growing importance of monitoring, transparency, and automation in model risk management.
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White Paper
Unlocking credit potential: the financial behavior and creditworthiness of ITIN holders
ITIN holders are active, responsible participants in the U.S. credit economy — yet many remain overlooked by traditional lending models.
Our white paper takes a closer look at this financially active and resilient population, revealing key insights into their credit performance and long-term growth potential.
Some findings include:
- Most ITIN holders are concentrated in states that represent a large share of the U.S. economy: California, Texas and New York.
- 76.9% of ITIN holders remained current on trades after 12 months, a rate 15% higher than SSN consumers.
- ITIN holders maintain a lower debt-to-income ratio (25%) than SSN consumers.
Read the full white paper for more insights.
Webinar
Unlocking alternative data for smarter fintech decisions
Join Ashley Knight, Experian’s SVP of Product Management, and Haiyan Huang, Prosper’s Chief Credit Officer, to discover how:
- Alternative finance data is redefining how to verify and connect identities.
- Email and phone intelligence is unlocking new levels of precision in credit marketing.
- Open banking insights are becoming increasingly critical for financial inclusion and mitigating risk.
Webinar
Refine Your Risk Decisions: Using Decision Trees to Drive Performance
Improve your credit risk decisions with advanced approaches to validating and optimizing decision trees. Learn how stronger models drive smarter, more consistent outcomes across your portfolio.
- Enhance model accuracy
- Strengthen underwriting and collections
- Improve decision speed and consistency
- Align data science and risk teams
Report
2026 Data Breach Industry Forecast
The scale of global cyberattacks continues to rise, and 2026 is poised to be the year of AI in cybersecurity.
In our 13th annual Data Breach Industry Forecast, we share our top predictions for the year ahead, including:
- The rise of synthetic identities built from stolen data
- AI overtaking human error as the top cause of breaches
- The growing risk of AI and quantum computing cyberattacks
- Emerging threats like mutating malware, brain hacking and a shrinking gender gap among hackers
Gain insight into the trends shaping the future of data security. Download the full forecast to prepare for what’s ahead.