Welcome to the Experian Thought Leadership Hub

Fraud professionals are looking to behavioral analytics as the best defense against advanced fraud attacks. But exploring the various kinds of behavior tracking, the variety of pros and cons of different providers and ensuring a valuable test use case can be overwhelming.

This guide will help you evaluate every kind of behavioral analytics solution and incorporate best practices for an effective search and potential implementation.

It covers everything you need to know about behavior for fraud, including:

• Use cases that behavioral analytics can help solve and how to approach each in a strategic manner
• The benefits and potential downsides to a behavioral implementation, and how to prepare
• Value calculators to evaluate the short- and the long-term impact of  behavioral analytics 

Experian's latest Commercial Pulse Report highlights how risk profiles vary significantly by industry and business age.

🔹 New businesses in sectors like Construction and Food Services face higher delinquency rates, signaling elevated credit risks.
🔹 Meanwhile, industries like Retail and Healthcare maintain stable performance, regardless of business maturity—offering balanced opportunities for lenders.

Understanding these dynamics is critical for tailoring lending strategies, mitigating risk, and supporting business growth across industries.

Check out the full report to see how these trends could impact your strategy!

Subscribe to Commercial Pulse Report

Financial institutions need to understand how well a score predicts behavior, such as payment delinquency or bankruptcy, to make more confident lending decisions. By conducting score validations regularly, organizations can ensure they're using the latest data to optimize their lending strategies.

The results of these score validations can be affected by:

• A dynamic economic environment
• Changes in regulation
• Scorecard degradation

Download this infographic to learn more about the importance of regular score validations and how it can have a significant impact on your business.

In this webinar, Experian industry experts dive into our latest research on the convergence of credit and fraud risk. Discover what's driving these trends and how forward-thinking organizations can enhance risk management and operational efficiency by breaking down silos.

Watch to learn:

• How new and emerging fraud threats are reshaping fraud risk and impacting portfolio management.
  
• Increasing operational efficiency and enhancing risk assessment with centralized credit and fraud strategies.
  
• Aligning fraud prevention with your organization’s risk tolerance.

Read how Elevate uses behavioral analytics to detect fraud rings and streamline workflows, resulting in a near-total elimination of fraud losses and decreased operational costs.

Key Results:

• $1-2 million in annual savings from improved fraud detection and operational efficiency
• Real-time detection of fraud attacks
• Fine-tuned applicant flow for different levels of risk without adding friction

This report provides an in-depth analysis of the credit card landscape, offering key insights to help your business tackle today’s challenges and uncover opportunities for growth.

Key insights:

• Credit card debt reached an all-time high of $1.17 trillion in Q3 2024.
• About 19 million U.S. households were considered underbanked in 2023.
• Bot-led fraud attacks doubled from January to June 2024.

Learn how Risk and Retention Triggers℠ can help you gain deeper insights into the health of your portfolio.

Our solutions enable you to:

• Mitigate portfolio risk
  
• Strengthen customer relationships
  
• Increase customer lifetime value

With behavioral analytics, Grasshopper Bank supercharges their team’s efficiency through improved top-of-funnel fraud detection and better-informed resource allocation.

Key Results:

• More accurate rejection at top-of-funnel onboarding, drastically reducing manual review costs and API calls
• Streamlined client onboarding through advanced fraud detection tools
• Refined cost-awareness, informing operational spending for the acquisition team as well as fraud team

Fraud risks have held many financial institutions back from committing to real-time money movement, but the danger of indecision could cause hesitant businesses to miss out on billions. We break down the biggest myths around RTMM and how they’re impacting the financial world.

Key Insights:

• 80% of U.S. consumers want to make payments faster and more direct, opening a lucrative opportunity for businesses who offer real-time money movement capabilities
• How FedNow changes the RTMM landscape in the U.S.
• What makes real-time payments more vulnerable to fraud (and how fraud teams can adapt)