Welcome to the Experian Thought Leadership Hub

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.

In this video interview filmed during Money 2020 in Las Vegas, Scott Brown, group president of financial and marketing services, sits down with Fintech Futures’ North America Correspondent Heather Sugg to share how Experian is bringing together the world of data, analytics and software to help modernize the financial services industry.

Host, Josee Farmer, is joined by Tara Walton, Sabrina Partlow and Kendall Hellman to discuss how incoming rate cuts will affect fintechs, regional and national banks through the rest of this year and next, in this in-studio episode.

Experian's data scientists and analysts equip fintechs with consumer credit trends to help make strategic lending decisions as well as a profitable growth roadmap for the second half of 2024 and beyond. Impactful callouts from the report include:

• Unsecured personal loan originations for fintech lenders are showing a stead 5-year growth despite being down from this time last year.
• Delinquency rates for fintech lenders in both unsecured personal loads and credit cards are seeing Month-over-month decreases in Q1 of 2024.

This report delves deeper into these fintech credit trends and analyzes their potential impact on the fintech lending landscape. Inside, you'll find:

• Data-driven insights: Understand the trends impacting your core products
• Expert analysis: Gain insights into the factors driving these changes
• Actionable strategies: Explore potential adjustments to your lending approach