Welcome to the Experian Thought Leadership Hub

Financial institutions are integrating fraud mitigation, credit risk assessment, and compliance, exploring the use of combined data or leveraging shared technology to minimize overall business risk while pursuing growth objectives.

This report highlights:

• The need for a unified strategy that addresses overlapping and distinct requirements across credit, fraud and compliance.
• The importance of convergence across operations to drive more efficient and effective risk management
• How financial institutions are restructuring to keep up with increasing complexity, independent evolution, regulatory demands, advanced fraud techniques and early stages of convergence.

The economy is heading into the new year on solid footing and the credit environment is showing early signs of stabilizing after two years of rising delinquency, tighter lending standards, and slowing credit growth. In the Q4 Lending Conditions Chartbook, Chief Economist Joseph Mayans breaks down key economic trends and dives deep into the latest developments in credit conditions across products and regions. 

The 2025 Fraud Defense Playbook gives you practical strategies to stay ahead of coming fraud trends and tactics, including:

• How to improve identity theft detection, even as identity theft is surging to the #1 fraud type, supercharged by GenAI tools that enable fraudsters to exploit stolen data at scale
• Tactics to stop APP fraud, which rose to the #2 fraud type in 2024, breaking into the top 3 for the first time (and signaling the pace of fraud to come)
• New ways to stop next-gen bots, which accounted for 43% of bot attacks last year, bypassing outdated defenses by using GenAI to nearly seamlessly mimic human-digital interactions

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.

Fraud professionals are looking to behavioral analytics as the best defense against advanced fraud attacks. But exploring the various kinds of behavior tracking, the variety of pros and cons of different providers and ensuring a valuable test use case can be overwhelming.

This guide will help you evaluate every kind of behavioral analytics solution and incorporate best practices for an effective search and potential implementation.

It covers everything you need to know about behavior for fraud, including:

• Use cases that behavioral analytics can help solve and how to approach each in a strategic manner
• The benefits and potential downsides to a behavioral implementation, and how to prepare
• Value calculators to evaluate the short- and the long-term impact of  behavioral analytics 

This report provides an in-depth analysis of the credit card landscape, offering key insights to help your business tackle today’s challenges and uncover opportunities for growth.

Key insights:

• Credit card debt reached an all-time high of $1.17 trillion in Q3 2024.
• About 19 million U.S. households were considered underbanked in 2023.
• Bot-led fraud attacks doubled from January to June 2024.

Our 12th annual Data Breach Industry Forecast is your guide to navigating the evolving cybersecurity landscape. Packed with expert insights, this report helps you stay ahead of emerging threats in 2025.

• Explore exclusive predictions and cutting-edge analysis to anticipate key cyber risks.
  
• Learn about hacker-on-hacker crime, rising workplace fraud, and AI-driven attacks.
  
• Get actionable insights to protect your business — download the full forecast today.

The U.S. (United States) has been in a state of suspended animation from a small business perspective. The domestic election cycle was full of promises focused on government spending to resolve consumer and small business perceived challenges for the next four years. As we emerge from the election cycle, with a clean transition expected, what rhetoric will become a reality is creating uncertainty among lenders and small businesses. Macroeconomic indicators are leaning positive, while stubborn inflation increases prices and borrowing costs. Lenders are targeting a looser environment for underwriting as cashflows remain positive and small businesses feel the rush of holiday shopping. Growth is coming in 2025; the question is how quickly companies can prepare and maneuver through the next 6 months of policy and global volatility.

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