Increase approvals while reducing losses

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

Reaching the right consumers with credit offerings can be challenging without the right technology. Our optimized prescreen model and strategy service, Ascend Intelligence Services™ Target, can help organizations identify consumers who meet credit offer criteria, increasing the likelihood of positive responses.

With access to Experian’s historical data, financial institutions can:

• Identify the consumers who meet their credit criteria 
  
• Increase the likelihood of positive responses to their offers 
  
• Get the most ROI out of their marketing campaigns while staying within budget

By optimizing their prescreen strategies, organizations can reach more of the right consumers to grow their customers bases and drive revenue.

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