Welcome to the Experian Thought Leadership Hub

Experian begins a new chapter with the release of the Q1 2022 Main Street Report through our collaboration with the leading economists at Oxford Economics. During Q1, small businesses kept average commercial loan balances healthy and stable. At the same time, moderate delinquency inched up but remained low overall as business and consumer travel returned to form, offering major tourist destinations a boost.

Discover how custom attributes and models can help you stay ahead of your competitors, make more informed credit decisions across the entire lending lifecycle and open the door for growth, reduced risk and improved loyalty.

Recognition, verification and protection are the pillars of a consumer-centric identity solution, and more than 54% of consumers now expect a heightened and frictionless digital experience.

Join us for the latest updates regarding the macroeconomic forecast and regional trends. Our experts will conduct a deep dive into changing trends as a result of COVID-19, featuring all-new data and implications.

Join our industry experts as they discuss national economics and credit trends and housing and auto sector trends as of March 2022.

Consumer expectations for their identity interactions are at an all-time high, and to win their trust and loyalty, organizations have to provide personalized, seamless, and secure experiences. Discover how personalizing identities builds trust and helps organizations recognize, serve and protect consumers and businesses in an ever-changing world.

The fourth quarter of 2021 enhanced the pressure felt by small businesses as the largest wave of COVID-19 hit the US. In addition to the effects of pandemic outbreak of labor and consumer engagement, an inflationary surge, largest increase since 1982, coupled with pandemic-related supply-and-demand imbalances, weighed heavily on US small businesses along with a notable impact to consumer sentiment.

Although workers were getting raises in the currently tight job market, rapid price increases are eroding consumers' earning power. Average wage earnings went up by 4.0% in Q4 '21 vs. the previous year, yet a 7.5% increase in inflation results in a net decline in real earnings. Workers' money is not going as far as it used to. Rising wages, however, put pressure on businesses' payrolls who may be forced to pass those costs to consumers.

Join us for the latest updates regarding the macroeconomic forecast and regional trends. Our experts will conduct a deep dive into changing trends as a result of COVID-19, featuring all-new data and implications.

Credit plays a vital role in the lives of consumers. Unfortunately, not every creditworthy individual has equal access to financial services. Download our white paper to discover the current state of access to consumer credit and key opportunities and challenges for lenders to address in expanding financial inclusion.