The Future of Underwriting: Rethink, Rebuild, Redefine

As Tribal lending evolves, understanding how consumer behavior, credit demand and portfolio performance are shifting is becoming increasingly important for effective risk strategy.

• Examine emerging credit and consumer trends across Tribal lending
• Understand where risk and growth opportunities are shifting
• Explore how more specialized data and analytics can improve risk differentiation
• Consider how purpose-built scoring can support more informed lending decisions

Discover how an e-commerce company strengthened fraud prevention using email-based identity intelligence to:

• Identify suspicious accounts during registration and guest checkout.
• Reduce fake accounts, attempted fraud and chargebacks.
• Improve conversion while minimizing friction for legitimate customers.
• Implement a new fraud prevention approach in approximately two weeks.

This report examines the gap between the protection consumers expect from retail banks and the trust they place in them.

• Shares 2026 findings on fraud, identity, biometrics and AI.
• Explores how mobile banking, security friction and invisible protections shape customer experience.
• Outlines ways banks can make protection more visible, explainable and controllable.

Explore the latest fraud, identity and consumer trust trends shaping e-commerce risk strategies.

• See how agentic commerce is reshaping shopping and fraud prevention.
• Uncover gaps between consumer security preferences and merchant strategies.
• Learn how merchants can build trust while reducing friction.