Welcome to the Experian Thought Leadership Hub

The U.S. economy shows signs of steady growth in Q3, yet challenges remain. A cooling labor market and persistent inflation create uncertainty, prompting lenders to stay cautious while adapting. Even in this dynamic environment, growth opportunities continue to emerge across the industry.

First-party fraud is notoriously difficult to separate from credit risk — but first-payment default (FPD) can be the key to earlier, more accurate fraud detection.

Key insights:

• What makes first-party fraud and credit risk so difficult to separate (and so costly to misclassify).
• Why FPD is the strongest, most reliable indicator of first-party fraud.
• Actionable takeaways for businesses to combat first-party fraud.

Rental fraud is surging, driven by generative AI (GenAI) and automation, overwhelming leasing systems and increasing financial risk. Experian helps rental companies detect fraud early, protect revenue, and maintain seamless leasing experiences.

• 93% of rental companies reported fraud in the past year 
• Evictions cost over $3,500 each due to misrepresentation 
• 84% of companies saw falsified income documentation

Generative AI is a powerful force that’s driving higher efficiency and productivity in credit risk management for financial institutions. Read our latest white paper to discover how lenders can improve the credit risk management process to:

• Streamline operating expenses
• Enhance compliance
• Increase lending volume
• Reduce credit and fraud losses

A strong credit risk decisioning strategy is crucial for any financial institution looking to stand out from the competition, book more high performing loans, and drive revenue. Lenders can achieve this by implementing next-gen AI technology to: 

• Build and deploy models faster 
• Optimize lending criteria 
• Reduce fraud risk 

Watch this video to learn how you can level up your credit decisioning journey across the customer lifecycle with the Experian Ascend Platform.

First-party fraud and credit risk are often indiscernible at origination, resulting in misclassified losses. Learn how to separate the two — and why the easiest way to do so may be hiding in plain sight. 

Key insights:

• Why first-party fraud and credit risk are so difficult to differentiate
• The financial and strategic costs of misclassified losses
• How first-payment default can unveil fraud early

GenAI is transforming the financial services industry by drastically improving productivity and efficiency. Experian Assistant, our award-winning GenAI solution, can help lending institutions: 

• Automate complex tasks 
• Provide real-time coding support 
• Minimize compute power 
• Speed up the modeling lifecycle 

Watch this video to discover how Experian Assistant can help your business unlock the full power of your data with less friction and faster results.

Behavioral analytics enables Terrace Finance to stop advanced fraud threats and prevent losses from reaching their partners.

Hear directly from Andy Hopkins, CEO of Terrace Finance:

• Why fraud prevention is a crucial investment area for Terrace Finance
• How behavioral analytics helps Terrace protect its lending partners from evolving fraud attacks
• Hopkins’ advice for other leaders looking to invest in fraud prevention

The construction industry has experienced significant growth over the last seven years, but fresh data reveals mounting signs of financial stress that commercial lenders and Chief Risk Officers should be closely monitoring.

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

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