Welcome to the Experian Thought Leadership Hub

Key themes and emerging trends shaping financial services in 2025, using research and insight from leading industry analysts. Themes include:

• Fraud evolution driven by AI
  
• AI will play a transformative role in banking
  
• Emergence of RegTech
  
• Convergence of risk management

Dive into Experian Clarity Services' latest quarterly report on alternative financial services (AFS). Our comprehensive analysis of key metrics and scores offers valuable insights into consumer behavior in the AFS sector.

This quarter's report covers:

• Application Trends
• Consumer Behavior
• Loan Performance and Originations

Elevate your understanding of the AFS industry. Access the Experian Clarity Services Quarterly Insights Report now to uncover insights that fuel success in today’s dynamic financial landscape.

Key insights for identifying and leveraging growth opportunities in the Alternative Finance Services market.

Discover invaluable insights with Experian Clarity Services' 2024 Alternative Financial Services Lending Trends report. This exclusive report reveals trends and consumer behaviors, from market size to loan performance. Equip yourself with the essential information to plan effectively and stay ahead.

Leverage the right insights to learn how you can effectively grow in this environment.

Acquire valuable perspectives to drive decision making with our Q3 insights report.

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.