Welcome to the Experian Thought Leadership Hub

Income and employment verification play an important role in the mortgage loan industry, yet these activities are often overlooked as an area of opportunity for lenders to improve the production process, gain cost efficiencies and yield a better customer experience. In fact, many mortgage business leaders may not be aware that the verification business has dramatically changed in the last few years, with more options, increasingly transparent pricing and better services available to them. In this web seminar you will learn:

What lenders really want from their income verification service providers

• How instant verification can offer greater efficiency, speed and less friction
• Why gaining efficiencies in your verification processes can pay significant dividends as your business scales its loan production
• How to obtain more transparent pricing from your verification vendors
• Why it pays significant benefits to change existing verification processes

The November 2024 Commercial Pulse Report is here, and it’s packed with critical data on the construction sector’s resilience and the challenges ahead.

🔑 Key Highlights:

• Businesses are shifting from term loans to commercial credit cards for greater flexibility.
• Delinquencies in construction remain lower than other industries, showcasing financial strength.
• High housing demand continues to fuel opportunities despite rising costs and tight credit.

Whether you're navigating financing strategies or tracking industry growth, these insights are a must-read for construction professionals and business analysts.

📥 Download the full report now and stay ahead of the trends shaping the construction landscape.

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

Subscribe to Commercial Pulse Report

Explore state-level and industry level data that banks, credit unions and fintechs can leverage to be correctly positioned throughout the business cycle.

This month’s highlights include:

• Annual headline inflation ticked up from 2.4% to 2.6%. 
• Only 12,000 jobs were added in October, amid hurricane and strike impacts. 
• Retail sales maintained strength, increasing 0.4% in October.

A story of how Addi, a leading Latin American financial services company, used behavioral analytics to streamline a strenuous onboarding process. The results included a dramatic decrease in verification time, elimination of third-party fraud, and supercharged, secure business growth.

While lenders like credit unions, CDFIs, and MDIs help bridge the gap to financial possibilities for consumers and small business owners, navigating the financial inclusion landscape can still be challenging. Allow Experian to guide you to business growth within underserved communities – helping you to find and approve more consumers while confidently mitigating risk. Learn how our portfolio of data and analytic solutions helps drive your business goals at every turn. We specialize in providing strategic consulting to help you elevate your financial inclusion approach.

Traditional bot detection methods — like IP blocklisting, user-agent analysis, and heuristic behavioral checks — used to be enough to stop fraud bots. But now, GenAI has turned the tables: fraudsters can essentially reverse-engineer your fraud stack and create next-gen bots that evade every trusted tool. In this webinar, our experts explore the increasing sophistication and velocity of bot attacks and the latest techniques for balancing bot-fighting and friction.

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.

Aspiration, a financial services business with 1M+ members, closed fraud detection gaps and improved top-of-funnel decisioning with behavioral analytics. Read how Aspiration’s optimized fraud stack allows the business to pursue lucrative growth opportunities.

As we head into the holiday season, Experian’s latest Commercial Pulse Report reveals significant trends shaping the retail sector:

🔹 25% increase in credit demand among retail businesses, as companies boost inventory for expected holiday sales.

🔹 Discretionary retail sectors like home goods face tighter lending, while Consumer Electronics and Department Stores are nearing pre-pandemic credit levels.

🔹 Retail delinquency rates and charge-offs are rising, putting pressure on commercial credit scores.

These insights highlight both opportunities and challenges for retailers navigating today’s economy. Check out the full report to see how these trends could impact your strategy!

Subscribe to Commercial Pulse Report