Welcome to the Experian Thought Leadership Hub

Relying solely on traditional credit scores can leave you with a limited view into consumers’ financial stability.

See how integrating alternative data can help you:

• Identify more qualified borrowers
• Spot potential risks
• Strengthen portfolio performance

Loan loss analysis is an effective way for lending institutions to drive smarter business decisions by identifying loans that have been lost, where they’ve been booked, their key characteristics, and how they’ve performed.

With loan loss analysis, you can gain visibility into: 

• What type of financial institution did that applicant book with (bank, credit union, finance company, etc.)? 
  
• What was the average loan amount, and were others offering more or less? 
  
• What was the estimated interest rate, and how did it compare to yours? 
  
• What was the loan term length? 
  
• What was the average risk score? 

Accessing this information can help your organization validate your lending policies or find out where you can make adjustments to remain competitive in the market and win more business.

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.

Even in an uncertain economy, lenders can drive sustainable growth by leveraging cashflow data.

Learn how cashflow data can help lenders:

• Expand market reach
• Uncover distinctive insights
• Improve predictive accuracy

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

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.

Experian's State of Credit Unions Report explores data-driven credit trends in the credit union space, with a particular focus on auto loans, unsecured personal loans and unsecured credit cards.

Take a deep dive into:

• Trends in originations and delinquencies among credit union members
• How credit unions fare against other financial institutions
• Strategies to attract new members and mitigate portfolio risk

A top bank struggled to efficiently stop evolving fraud attacks. Fraudsters incurred unnecessary expenses as they worked downstream in the bank’s onboarding flow, with some even beating the bank’s defense’s entirely. After implementing behavioral analytics, the bank was able to detect attacks 4x faster and stop sophisticated attacks that their other tools couldn’t.

Key Results:

• 4x faster fraud detection resulting in a 30% reduction in digital onboarding costs
• Effective detection of modern attack strategies that bypassed other fraud mitigation tools
• 40% of manually approved fraud cases identified as risky by NeuroID

Overwhelmed by evolving fraud attacks and a heavy reliance on manual reviews, a leading credit union turned to NeuroID’s behavioral analytics to spot advanced fraudsters and stop attacks in real time.

Key Results:

• Improved top-of-funnel fraud detection, reducing fraud losses, false positives, and unnecessary step-ups
• Decreased manual review workload, freeing up over 40 hours a month for customer service and growth initiatives
• Real-time detection of attacks, providing improved protection and confidence in fraud mitigation capabilities