State of Fintech 2025: Trends, Risks & Growth Strategies

Your most valuable customers don’t announce their departure. By the time balances decline or activity slows, competitors have already captured share of wallet.

Download our strategic snapshot to learn how your institution can identify behavioral shifts early, respond confidently and accelerate high-value customers forward.

Did you know?

• Customers typically hold less than 50% of their deposits or loans with a single institution.
• Selling to an existing customer can be up to 10x more successful than acquiring a new one.
• A 5% increase in customer retention can boost profits by 25% to 95%.

Bayesian Optimization offers a more efficient way to tune machine learning models at scale. This white paper presents a controlled comparison with Grid Search using production credit-risk data to measure runtime and model performance.

• Up to 80× faster hyperparameter tuning
• No loss in CV or holdout AUC
• Evidence from LightGBM credit-risk models
• Guidance for governed ML environments

Innovations in post-login fraud have exposed gaps in login defenses. How are leading businesses responding? Experts from TD Bank and Experian take a look at modern ATO attacks and scams — and how to stop them.

What you’ll learn:

• How fraudsters exploit vulnerabilities in login defenses
• The operating structure of a real-world ATO fraud ring
• Keys to stopping coordinated attacks in real time

This tip sheet explores where fraud can enter the customer lifecycle and how predictive fraud risk scores help distinguish fraud from true credit risk and help you:

• Reduce first-payment default and bust-out fraud
• Detect synthetic identities earlier
• Improve prescreen and campaign ROI
• Strengthen account management decisions