eBook
Published July 13, 2026
Credit Decisioning Fraud Management Risk Management
Discover how lenders can strengthen prime portfolio performance by combining traditional credit risk strategies with first-party fraud analytics to identify hidden risk and improve early payment default detection.
Key insights:
- Traditional credit scores measure ability to repay but may not identify consumers with no intent to repay.
- First-party fraud models can uncover hidden early payment default risk within prime portfolios and improve risk segmentation.
- Research shows measurable lift in early delinquency detection and ROI when fraud analytics complement credit scoring.
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Report
2026 State of fintech report
Read the latest State of Fintech Report to see strategy playbook fintechs are implementing in 2026 and beyond. Key insights include:
- How fintech leaders are balancing growth, fraud risk and portfolio performance
- Why data strategy is becoming a competitive advantage in credit decisioning
- How identity, credit and behavioral signals are enabling smarter lifecycle decisions
- Practical actions fintech organizations can take to grow with confidence in 2026
Case Study
Turning thin-file members into incremental growth
Learn how a proactive credit card graduation strategy helped America First Credit Union responsibly expand member relationships while maintaining strong portfolio performance.
- Increased more than 32,000 credit card limits
- Generated approximately $26 million in balance growth
- Maintained just 0.59% delinquency
Webinar
Tracking first-party fraud: Industry benchmarks
Understand how first-party fraud is changing across financial institutions and what it means for your organization. Learn from Experian experts using industry benchmark data.
- Explore year-over-year first-party fraud trends
- Compare fraud rates across banks, credit unions and fintechs
- Learn practical strategies to benchmark and strengthen fraud prevention
White Paper
The State of Decisioning: Competitive Advantage with AI
Discover where leading institutions are taking decisioning:
- Explores why intelligent decisioning is becoming a competitive advantage for financial institutions.
- Examines research on AI, data, governance and decision intelligence.
- Highlights common modernization challenges and practical strategies for improving decision outcomes.