Rising retail demand meets cautious lending

The consumer credit market entered 2026 on stable footing, but rising uncertainty - from geopolitical conflict, energy costs, and interest rates - is reshaping the outlook for lenders and consumers alike. Explore what’s changing and what it means for your strategy.

• Delinquencies stabilizing, standards easing
  
• Rising costs pressuring consumer affordability
  
• New risks shaping lending growth outlook

Financial Frontiers explores the structural shifts, emerging technologies, and regulatory developments reshaping financial services. In this inaugural brief, we examine how stablecoins are moving from niche crypto instruments to institutional financial infrastructure — and what that means for strategy, liquidity, and competitive positioning.

• Why stablecoins are gaining institutional traction
  
• Regulatory momentum and implications for financial firms
  
• Strategic questions leaders should be asking now

Mortgage lenders face rising fallout, affordability strain, and shifting borrower expectations. This white paper explores how embedded financial wellness strengthens conversion, reduces risk, and builds long-term trust.

• Improve inquiry-to-close conversion
• Manage risk with real-time credit insights
• Address affordability pressures proactively
• Deepen engagement and drive sustainable growth

As we step into 2025, all eyes remain on the trajectory of inflation, the resilience in consumer spending and continued affordability challenges in the housing market.

Discover our experts' insights on how they anticipate the economic landscape to evolve throughout 2025, as they delve into the latest trends and forecasts.