Report
Published May 25, 2023
Alternative Financial Services Credit & Economic TrendsExperian's Clarity Services holds the largest repository of expanded-FCRA data, providing deeper insights into millions of consumers that traditional data alone can't provide. Each year, we study this ever-changing industry and compile the findings into a robust report that lenders can't find anywhere else - the Alternative Financial Services Lending Trends Report.
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Experian's Clarity Services Q3 2024 Insights Report
Dive into Experian Clarity Services' latest quarterly report on alternative financial services (AFS). Our comprehensive analysis of key metrics and scores offers valuable insights into consumer behavior in the AFS sector.
This quarter's report covers:
- Application Trends
- Consumer Behavior
- Loan Performance and Originations
Elevate your understanding of the AFS industry. Access the Experian Clarity Services Quarterly Insights Report now to uncover insights that fuel success in today’s dynamic financial landscape.
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Landing the Plane - Key takeaways from the September 2024 Jobs Report
The better-than-expected September Jobs Report adds to the list of data that suggests the U.S. economy is heading for a soft landing. While challenges remain, the current backdrop is one of strong economic activity, a solid labor market, and a more accommodative Fed. Get North America Chief Economist Joseph Mayans’ charts and key takeaways on recent developments.
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State of Gen Z
Explore Gen Z's habits and attitudes toward credit, personal finance, marketing, fraud and more.
Gen Z fast facts:
- There are 69.3 million Gen Z-ers in the United States.
- They spend six or more hours per day on their cell phones.
- They collectively demand purpose and accountability from brands they interact with.
They demand the creation of more opportunities for people of diverse and underrepresented backgrounds. Lack of financial resources and funding options are seen as barriers in achieving their goals.
Source: Statista, McKinsey & Company.
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Strategies for effective credit limit management
Learn how credit unions can optimize their credit limit strategies to grow card use, increase member loyalty and manage risk.
Fast facts:
- Credit card balances increased by $55 billion in December 2023, about four times the increase from November.
- 35% of holiday shopping was done in December 2023, peaking at 9% of total holiday sales the week before Christmas.
- 68% of credit card owners regularly use at least two credit cards.
- 41% opened their recent credit card because they wanted to build their credit score and history."