Welcome to the Experian Thought Leadership Hub

Greater consumer engagement and broadening access to credit can be an important part of financial inclusion. Grow your business by leveraging credit-building solutions that help empower underserved communities.

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

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.

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.

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

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.

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.

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

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.