Welcome to the Experian Thought Leadership Hub

As we enter 2025, the mortgage industry continues to transform amid political and economic changes. Mortgage lenders must stay updated on trends to serve their customers effectively. Experian data scientists and analysts provide insights into the U.S. housing market's impact on lenders, highlighting recent trends and their implications. We aim to offer a comprehensive overview of the mortgage market, emphasizing key trends, regional differences, and potential growth areas.

• Market Trends: Understand the latest trends in mortgage originations, delinquencies, and interest rate fluctuations.
• Regional Insights: Explore regional variations in housing market activity and home equity levels.
• Strategic Recommendations: Get actionable insights to navigate the dynamic mortgage market in 2025.

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.

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.