Latest Thought Leadership resources from Experian

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Infographic

29 November 2023

Three ways to enhance your customer retention strategy

Learn how cash flow data, personalization and digital transformation can help you strengthen existing customer relationships.

Report

28 November 2023

2021 Alternative Financial Services Lending Trends

It's that time of year; the industry's annual checkup, and we're excited to share insights that will provide a better view of the consumers you serve.

For five years in a row, Clarity's Alternative Financial Services Lending Trends Report has been the go-to resource for those seeking insights into non-prime borrower behavior, alternative credit data, industry trends in the alternative financial services market, and more.

In this report, we analyzed:

  • Online lending volume and product mix market trends
  • Single pay and online installment loan performance
  • COVID-19 and Loan Accommodations *NEW*
  • Changes in loan characteristics
  • And so much more
Report

28 November 2023

2022 Alternative Financial Services Lending Trends

This report offers granular data on a vast number of different consumer insights that will allow you to build the foundation for a successful lending strategy and create benchmarks needed to improve your financial inclusion efforts, prospecting, risk management and more.

Report

28 November 2023

2018 Alternative Financial Services Lending Trends

Access our 2018 trends report, which dives into the latest findings attached to the industry and the consumers utilizing Alternative Financial Services products. Uncover new data on payment behavior, credit utilization and quality, and consumer stability for those individuals using products like short-term loans, pawn shops, payday loans, rent-to-own and beyond.

Discover how traditional lenders can benefit from these data insights, as well as what it reveals about subprime consumers.

Report

28 November 2023

Q3 2023 Experian/Oxford Economics Main Street Report

Outstanding performance in the third quarter is a great headline focused on the resiliency of the American consumer. Business confidence and financials benefited from a consumer confidence boost as market conditions appeared to improve as inflation receded. Consumer spending remained elevated, supporting small business cashflow health, but a rising percentage of that consumer spend originated from leveraged consumer credit products. Creditors have been monitoring the rise in unsecured debt utilization and putting into action exposure limiting underwriting criteria.

Report

21 November 2023

State of the economy report - November 2023

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.

Report

16 November 2023

2023 State of Alternative Credit Data

Gain insight into the latest in alternative data and how it can be leveraged across the lending lifecycle.

Podcast

15 November 2023

Econ to Action – Responding to Regional Conditions

Listen to our experts discuss how different regional economic conditions affect banking across the country and how some regional banks are proactively shaping their business strategy.

Report

07 November 2023

Macroeconomic forecasting and regional trends - October 2023

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