Welcome to the Experian Thought Leadership Hub

Fraud risks have held many financial institutions back from committing to real-time money movement, but the danger of indecision could cause hesitant businesses to miss out on billions. We break down the biggest myths around RTMM and how they’re impacting the financial world.

Key Insights:

• 80% of U.S. consumers want to make payments faster and more direct, opening a lucrative opportunity for businesses who offer real-time money movement capabilities
• How FedNow changes the RTMM landscape in the U.S.
• What makes real-time payments more vulnerable to fraud (and how fraud teams can adapt)

Watch the recording of the Quarterly Business Credit Review webinar, where Experian shared and discussed critical insights from the latest Main Street Report.

Why you should watch:

• Leading Experts on Commercial and Macro-Economic Trends
• Credit insights and trends on 30+ Million active businesses
• Industry Hot Topics Covered (Inclusive of Business Owner and Small Business Data)
• Commercial Insights you cannot get anywhere else 
• Peer Insights with Interactive Polls (Participate)
• Discover and understand small business trends to make informed decisions
• Actionable takeaways based on recent credit performance

Visit our Commercial Insights Hub for more economic insights and reports on small business. 

Discover key strategies to protect your hiring process from the growing threat of employment fraud. This comprehensive playbook offers:

• Emerging fraud threats in the employment sector.
  
• The role of identity verification in hiring and preemployment.
  
• A checklist to help background screeners enhance identity verification and fraud prevention efforts.

Did you know that U.S. residential electricity prices have risen by 25% over the past five years? ¹ Download our tip sheet to learn four strategic actions that utility and telecom service providers can take to navigate current collection challenges and dramatically transform outcomes.

Explore how to:

• Successfully prioritize and implement a data-driven strategy.
• Ensure accurate contact data with skip-tracing tools.
• Leverage technology and AI/ML models to improve operations.
• Enhance the customer experience by tailoring interactions.

1. U.S. Energy Information Administration

Our 12th annual Data Breach Industry Forecast is your guide to navigating the evolving cybersecurity landscape. Packed with expert insights, this report helps you stay ahead of emerging threats in 2025.

• Explore exclusive predictions and cutting-edge analysis to anticipate key cyber risks.
  
• Learn about hacker-on-hacker crime, rising workplace fraud, and AI-driven attacks.
  
• Get actionable insights to protect your business — download the full forecast today.

The U.S. (United States) has been in a state of suspended animation from a small business perspective. The domestic election cycle was full of promises focused on government spending to resolve consumer and small business perceived challenges for the next four years. As we emerge from the election cycle, with a clean transition expected, what rhetoric will become a reality is creating uncertainty among lenders and small businesses. Macroeconomic indicators are leaning positive, while stubborn inflation increases prices and borrowing costs. Lenders are targeting a looser environment for underwriting as cashflows remain positive and small businesses feel the rush of holiday shopping. Growth is coming in 2025; the question is how quickly companies can prepare and maneuver through the next 6 months of policy and global volatility.

As fraud bots become more advanced, they’re challenging traditional defenses. This report dives deep into how generative AI (GenAI) is fueling sophisticated bot attacks and offers actionable insights for staying ahead. Get the report to learn:

• Key findings from an analysis of bot attacks over a four-month period, direct from fraud teams’ stack analysis
• Why traditional identity verification and authentication is failing to stop certain bots (in one case, we saw bots easily thwart a phone verification step that was in place specifically to stop these types of attacks)
• What methodologies are actually defeating bots and new concerns with the balance of friction and fraud when it comes to bot solutions

Uncover how Experian is revolutionizing income and employment verification through our efforts to democratize access to payroll data. 

Read how a payment processor used behavioral analytics to close fraud detection gaps — including identifying over 100,000 dormant fraud accounts — without adding friction for its genuine customers.

Case study includes details on:

• How behavioral analytics prevented $10M of potential annual fraud losses
• Why real-time decisioning on behavioral data was crucial to stopping new account opening fraud
• How behavioral analytics provided scalable fraud mitigation without added friction