Welcome to the Experian Thought Leadership Hub

With the recent Fed announcement and fewer interest rate cuts on the horizon, it’s time to posture your organization more defensively. Where to start? A portfolio management activity that is often overlooked is the accuracy behind classifying fraud and credit risk.

Join our experts for an insightful webinar where they’ll review:

• The state of the Credit Card industry
• The value of performing lookback reviews – beyond accuracy
• Credit tools to help your portfolio management strategies

This week’s Commercial Pulse Report from Experian reveals critical shifts in the economy for small businesses. Inflation eased slightly to 2.8%, and the Small Business Index ticked up to 41.5—signs of stabilization. But rising financial fraud remains a major concern. Also:

🔒 70% increase in fraud since the pandemic

🧠 $40B in projected losses from AI-driven scams by 2027

📊 46% of SMB loan applications showed signs of first-party fraud

Lenders are responding with AI-powered analytics and cross-industry collaboration to stay ahead of these threats.

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

Subscribe to Commercial Pulse Report

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

Recent statistics reveal a direct connection between employee identity theft and business vulnerabilities. Compromised employee credentials can be a common entry point for fraudsters and putting your organization’s cybersecurity at risk. 

• Up to 80% of cyberattacks leverage identity-based attack methods, and many breaches stem from phishing attacks targeting employee login details
  
• The average cost of a data breach was $4.88 million in 2024, the highest average on record.
  
• Cyberattacks are becoming more common, striking 4,000 times per day.

Credit risk, fraud, and compliance have long operated in silos, but forward-thinking organizations are unlocking new opportunities through convergence.

Read our e-book to learn how aligning these critical functions can help you:

• Reduce overall risk
• Improve operational efficiency
• Stay ahead of the competition

Generative AI is transforming fraud at an unprecedented pace — making attacks faster, more sophisticated, and harder to detect.
In this webinar, our fraud experts discuss key trends for 2025 and share actionable strategies to strengthen your defenses.

What you'll learn:

• The top three fraud threats to watch in 2025.
• How fraud leaders are tackling GenAI-driven attacks.
• Practical strategies for building a future-ready fraud stack.

Watch now to stay ahead of the evolving fraud landscape.

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

Experian's 2025 Future of Fraud Forecast reveals five emerging fraud threats that could challenge businesses and consumers in 2025.

Key insights:

• This year’s predictions show that fraudsters will continue to double down on the digital landscape and leverage Generative AI (Gen AI) to commit sophisticated crimes at a rapid pace.
  
• Half of consumers surveyed said they are concerned about conducting activities online.
  
• 75% of companies cite cybercrime as a top concern.