Report
Published October 27, 2025
Credit & Economic Trends Economic & Market Insights
The U.S. economy continues to surprise with its resilience - growth forecasts are improving, equity markets are hitting new highs, and fears of an imminent recession are fading. Joseph Mayans’ Vision 2025 session, “Navigating 2026: Global Macro Shifts, U.S. Credit Trends and the Evolving Lending Landscape,” explored the economic forces shaping the next year - from the AI-driven equity boom to structural vulnerabilities in the white-collar labor market. His key takeaway: while AI innovation is fueling growth and optimism, it also introduces new dependencies and risks that will define the next economic chapter.
Highlights:
- The AI Trade’s Dominance: Economic optimism is increasingly tied to the AI investment cycle—AI spending fuels stock gains, which in turn sustain higher-income consumer spending.
- Potential Vulnerability: Overreliance on AI-driven growth leaves the economy exposed if those massive investments fail to deliver expected productivity gains.
- Labor Market Shifts: AI is intensifying existing white-collar labor market imbalances—more graduates, fewer roles, and increasing automation pressure.
- Credit Market Implications: Rising white-collar vulnerability poses a growing risk for prime credit segments, especially if economic momentum slows.
- Future Readiness: As Sol Rashidi emphasized, humans’ edge lies in creativity and critical thinking—skills that should be strengthened, not outsourced, to AI.
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2026 Public Sector Trends and Impact Report
Read our first-annual 2026 Public Sector Trends & Impact Report to understand the forces reshaping agency operations and trust:
- Rising fraud and program integrity risks
- Modernization challenges across legacy and digital systems
- Workforce strain and responsible automation
- Securing citizen access without increasing friction
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2026 State of Energy and Utilities Report
Read our first-ever State of Energy and Utilities Report examining the forces shaping the industry this year.
- Rising arrearages and affordability pressures
- Expanding digital channels and identity-related fraud exposure
- AI-driven demand, data center growth and grid resiliency challenges
- Data-driven strategies to reduce risk and strengthen customer trust
Report
3 Key Trends to Watch in 2026
After outperforming expectations in 2025, the U.S. economy heads into 2026 with momentum - and meaningful risks. This Macro Moment explores the forces shaping the year ahead, from AI-driven growth and consumer resilience to evolving credit conditions and labor market uncertainty, helping leaders prepare for what’s next. Key takeaways include:
- The economic signals that mattered most in 2025 - and why they still matter
- How AI, consumers, and credit conditions are shaping 2026
- Where risks remain and what to watch in the labor market
Report
2026 State of Credit Cards
As the credit card landscape evolves, understanding how consumers and businesses are adapting has never been more important.
Our second annual State of Credit Cards Report provides a timely update on key market dynamics and dives into an often-overlooked segment within credit card portfolios: business accounts.
Key takeaways:
- 30+ DPD delinquency rates remained above pre-pandemic levels in 2025.
- Fintechs continue to gain share in the credit card market, posting a 71% YoY increase in account originations.
- Many businesses use consumer credit cards to support business-related activity, making this segment easy for lenders to overlook.