Welcome to the Experian Thought Leadership Hub

Dive into Experian Clarity Services' latest quarterly report on alternative financial services (AFS). Our comprehensive analysis of key metrics and scores offers valuable insights into consumer behavior in the AFS sector.

This quarter's report covers:

• Application Trends
• Consumer Behavior
• Loan Performance and Originations

Elevate your understanding of the AFS industry. Access the Experian Clarity Services Quarterly Insights Report now to uncover insights that fuel success in today’s dynamic financial landscape.

Bots are an ever-present threat to today’s digital businesses: fraudsters leverage them in multiple ways and meticulously tailor attacks to beat their targets’ defenses. Read an analysis of bot attack strategies and the keys to identifying a forthcoming attack.

This report includes:

• Findings from a four-month study on bot attack set-ups and strategies
• New data on how fraudsters use bots to identify and exploit weaknesses in their targets’ fraud stacks
• Behavioral insights revealing the signs that foreshadow large-scale bot attacks

Join our industry experts as they discuss national economics and credit trends and housing and auto sector trends as of October 2024.

Listen now to get insights on:

• Our latest in-house economic forecasts for the rest of the year
• Key economic, credit and small business trends
• Relevant KPIs your organization to focus on

Read the latest regional consumer spending and economic growth trends, as well as our in-house macroeconomic forecasts for the year ahead.

Key insights:

• Total retail sales in the US increased by 0.4% month-over-month in September 2024, and were 1.7% higher than a year earlier.
• The labor market continues to remain tight with the unemployment rate falling slightly from 4.2% to 4.1% in September.
• Supply chain disruption has been minimal, and inflation is expected to continue to ease.

An analysis of five fraud ring attacks across five different digital industries, including a breakdown of who was targeted and why, background information and future predictions on evolving fraud ring styles and strategies, and investigations into how fraud rings choose their victims.

As published on the Business Information blog in a post titled Fintechs Transforming Financing and Growth -  the fintech industry has grown by 140% since 2018, with North America leading at 34% of global market share. This video recaps some of our research including:

• North American Dominance: North America accounts for over 34% of the global fintech market, making it a key player in the industry’s expansion.
• Innovative Solutions: Fintech companies have transformed traditional financial services with digital solutions in areas like payments, lending, personal finance, and investment management—led by apps like Venmo, Cash App, and Apple Pay.
• Increased Credit Activity: Businesses using fintech financing are 270% more credit-active than those relying on traditional financing, with higher inquiries, trades, credit lines, and balances.
• Higher Risk: Despite increased access to capital, fintech-financed businesses exhibit higher delinquency rates and lower credit scores, presenting added risks for lenders.

Check out the full report to see how these trends could impact your strategy!

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As the labor market has cooled, the granular details of hiring, unemployment and wages have become increasingly critical in understanding the health of the U.S. economy. Our new Labor Market Monitor tracks data from a variety of sources to shed light on the layers of the labor market beyond just headline job creation. 

The better-than-expected September Jobs Report adds to the list of data that suggests the U.S. economy is heading for a soft landing. While challenges remain, the current backdrop is one of strong economic activity, a solid labor market, and a more accommodative Fed. Get North America Chief Economist Joseph Mayans’ charts and key takeaways on recent developments.

Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

This month’s highlights include:

• Unemployment decreased for the second month in a row, down to 4.1%.
• Core inflation increased from 3.2% to 3.3%, driven by shelter and service costs.
• Negative rental payment activity has declined 1.9% over the past year.