White Paper
Published July 18, 2019
Alternative Financial Services Credit & Economic TrendsClarity Services, a part of Experian, provides valuable alternative credit data to alternative financial service providers. Clarity's alternative data gives lenders a more complete picture of nonprime applicants, so they can make better and more informed decisions.
We analyzed the trends and financial behavior of nonprime consumers by looking at application and loan data in Clarity's specialty credit bureau from 2014 through 2018. A study sample of more than 350 million consumer loan applications and more than 25 million loans was created and leveraged to evaluate market trends during this period. Data from Experian's national credit bureau was also used to help profile consumers.
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Leisure and Hospitality Resilience and Recovery
The latest Experian Commercial Pulse Report highlights a remarkable rebound for the Leisure & Hospitality sector:
✈️ TSA screened 903M+ passengers in 2024—a 6.5% increase over pre-pandemic levels.
🏨 Hotel occupancy rates are recovering, though still below pre-pandemic levels, as corporate travel remains reduced.
📊 Credit risk scores across subsectors are steadily improving, reflecting stabilizing financial health.
These trends showcase the sector’s resilience, supported by lower travel inflation and strong consumer demand despite economic pressures.
Credit managers, are you leveraging these insights to adjust your strategies?
Check out the full report to see how these trends could impact your strategy!
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Navigating Industry-Specific Risks
As published on the Business Information blog, 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!
Report
State of Credit Card Report
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.