Welcome to the Experian Thought Leadership Hub

As fraud bots become more advanced, they’re challenging traditional defenses. This report dives deep into how generative AI (GenAI) is fueling sophisticated bot attacks and offers actionable insights for staying ahead. Get the report to learn:

• Key findings from an analysis of bot attacks over a four-month period, direct from fraud teams’ stack analysis
• Why traditional identity verification and authentication is failing to stop certain bots (in one case, we saw bots easily thwart a phone verification step that was in place specifically to stop these types of attacks)
• What methodologies are actually defeating bots and new concerns with the balance of friction and fraud when it comes to bot solutions

Uncover how Experian is revolutionizing income and employment verification through our efforts to democratize access to payroll data. 

Read how a payment processor used behavioral analytics to close fraud detection gaps — including identifying over 100,000 dormant fraud accounts — without adding friction for its genuine customers.

Case study includes details on:

• How behavioral analytics prevented $10M of potential annual fraud losses
• Why real-time decisioning on behavioral data was crucial to stopping new account opening fraud
• How behavioral analytics provided scalable fraud mitigation without added friction

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.