Welcome to the Experian Thought Leadership Hub

Experian's data scientists and analysts equip fintechs with consumer credit trends to help make strategic lending decisions as well as a profitable growth roadmap for the second half of 2024 and beyond. Impactful callouts from the report include:

• Unsecured personal loan originations for fintech lenders are showing a stead 5-year growth despite being down from this time last year.
• Delinquency rates for fintech lenders in both unsecured personal loads and credit cards are seeing Month-over-month decreases in Q1 of 2024.

The financial industry continues to undergo significant transformations, driven by rapid technological advancements and changing consumer preferences. Open banking is at the forefront of these changes, a system that enables third-party financial service providers to access consumer banking information through secure application programming interfaces (APIs).

Enhance your strategy and lead the charge in this banking revolution.

In this webinar, our expert panel discusses leveraging reject inferencing techniques to add precision and predictiveness to your custom credit scoring models.

Listen to our experts discuss how the trajectory of rates will affect the return to a growth strategy in small business and how AI/ML will come into play.

See how Experian's Fraud Risk and Identity Verification Solutions can help your organization solve common fraud and identity challenges, including deposit fraud and AI-powered bot attacks.

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.

Discover invaluable insights with Experian Clarity Services' 2024 Alternative Financial Services Lending Trends report. This exclusive report reveals trends and consumer behaviors, from market size to loan performance. Equip yourself with the essential information to plan effectively and stay ahead.

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.