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Commercial Pulse Report 3-25-2025
Published March 25, 2025
Commercial Economic & Market Insights Fraud Management Commercial InsightsThis week’s Commercial Pulse Report from Experian reveals critical shifts in the economy for small businesses. Inflation eased slightly to 2.8%, and the Small Business Index ticked up to 41.5—signs of stabilization. But rising financial fraud remains a major concern. Also:
- 70% increase in fraud since the pandemic
- $40B in projected losses from AI-driven scams by 2027
- 46% of fraudulent SMB loan applications include signs of first-party fraud
Lenders are responding with AI-powered analytics and cross-industry collaboration to stay ahead of these threats.
Check out the full report to see how these trends could impact your strategy!
Commercial Pulse Update
Watch our summary of commercial highlights from the latest report.
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Report
Fraud Attack Strategy Guide
Explore how modern fraudsters use coordinated, strategic attack methods—and learn how to detect, disrupt and prevent them using behavioral intelligence and real-time insights.
Key insights:
- Fraudsters use structured attack strategies like reconnaissance, blitzes and deception to exploit weaknesses
- AI-driven bots and automation are rapidly increasing the scale and speed of fraud attacks
- Behavioral analytics reveals hidden fraud signals traditional tools miss
- Early detection and layered defenses help stop attacks before they escalate
Report
The imposter in the session: The hub and the hive
Uncover a coordinated account takeover fraud ring in action and learn how it was stopped using behavioral, device and network intelligence.
Key insights:
- Fraud rings operate with structured roles to efficiently execute account takeover attacks
- Compromised accounts can be connected across devices, revealing coordinated activity
- Behavioral, device and network intelligence expose fraud signals traditional tools miss
- Stopping ATO requires identifying and dismantling the full fraud ring, not just individual logins
Infographic
2026 H1 Alternative financial services trends snapshot: growth, risk and where it’s moving
Download the latest Alternative Financial Services Trend Report to reveal new insights on growth and risk, including:
- Loan volume is up 21% YoY across installment and single pay products
- Installment bad rates declined 6.8% YoY
- Returning borrowers grew 26.5% YoY in RTO/LTO
Webinar
Convergence of consumer and commercial fraud prevention
In this webinar, Experian experts explore how organizations can apply proven consumer fraud prevention tactics to strengthen commercial lending defenses.
What you'll learn:
- How consumer fraud strategies can be adapted for commercial use cases
- Where commercial lending is most exposed and how to mitigate risk
- How shared signals across identity, behavior and devices can improve detection