Welcome to the Experian Thought Leadership Hub

The fourth quarter boasted open commercial lending markets, inclusive of all tiers of credit risk, even as measured commercial delinquencies returned to pre-pandemic levels. An increasing number of commercial lenders are developing product and underwriting strategies to limit the expected exposure in a near term recession. The Fed is unlikely to cut rates in the near term as heightened inflation lingers. Higher costs of goods and services will pressure spending behavior as affordability tightens and personal cashflows thin.

With fraud expected to surge amid uncertain economic conditions, fraudsters are preparing new deception techniques to outsmart businesses and deceive consumers. To help businesses prepare for the coming fraud threats, we created the 2023 Future of Fraud Forecast.

Experian experts provide insight into the latest economic and market trends, their impact on consumers and how financial institutions can best adapt.

In this report, we will debunk a few common BNPL myths and uncover the various ways in which transparency of BNPL data and benefit consumers and drive financial inclusion.

In today's market, consumers are expecting to increase their banking activities online and seek more affordable credit options. View our use case to see how one bank was able to deliver personalized savings options to their customers digitally, allowing them to grow their portfolio and customer relationships.

In today's market, macro factors can quickly shift the lending environment, disrupting the performance of your risk models and decisioning strategies. Our infographic shares three key actions that can help your organization proactively monitor model and strategy health.

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.

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