Welcome to the Experian Thought Leadership Hub

Experian's latest Commercial Pulse Report highlights how risk profiles vary significantly by industry and business age.

🔹 New businesses in sectors like Construction and Food Services face higher delinquency rates, signaling elevated credit risks.
🔹 Meanwhile, industries like Retail and Healthcare maintain stable performance, regardless of business maturity—offering balanced opportunities for lenders.

Understanding these dynamics is critical for tailoring lending strategies, mitigating risk, and supporting business growth across industries.

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

Subscribe to Commercial Pulse Report

The November 2024 Commercial Pulse Report is here, and it’s packed with critical data on the construction sector’s resilience and the challenges ahead.

🔑 Key Highlights:

• Businesses are shifting from term loans to commercial credit cards for greater flexibility.
• Delinquencies in construction remain lower than other industries, showcasing financial strength.
• High housing demand continues to fuel opportunities despite rising costs and tight credit.

Whether you're navigating financing strategies or tracking industry growth, these insights are a must-read for construction professionals and business analysts.

📥 Download the full report now and stay ahead of the trends shaping the construction landscape.

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

Subscribe to Commercial Pulse Report

In this video interview filmed during Money 2020 in Las Vegas, Scott Brown, group president of financial and marketing services, sits down with Fintech Futures’ North America Correspondent Heather Sugg to share how Experian is bringing together the world of data, analytics and software to help modernize the financial services industry.

As we head into the holiday season, Experian’s latest Commercial Pulse Report reveals significant trends shaping the retail sector:

🔹 25% increase in credit demand among retail businesses, as companies boost inventory for expected holiday sales.

🔹 Discretionary retail sectors like home goods face tighter lending, while Consumer Electronics and Department Stores are nearing pre-pandemic credit levels.

🔹 Retail delinquency rates and charge-offs are rising, putting pressure on commercial credit scores.

These insights highlight both opportunities and challenges for retailers navigating today’s economy. Check out the full report to see how these trends could impact your strategy!

Subscribe to Commercial Pulse Report

One of the key questions we often explore is how to maximize the ROI of marketing campaigns and effectively target specific business niches. In this Experian Business Chat, we dive into the challenges that commercial insurance agents and brokers face as they try to launch successful marketing strategies in an ever-evolving digital landscape.

Read our episode blog with full transcript.

For lenders, navigating the map to financial inclusion can be full of twists and turns. It's even more challenging when you don't have the right data, strategy, and technology to grow your business. Experian helps financial institutions and lenders find and approve more consumers while confidently mitigating risk at every turn.

Our team specializes in providing strategic consulting to help you elevate your inclusive finance approach. We can help you remove those roadblocks and get you on the right path to new growth opportunities.

Maximize the value of data and analytics to optimize decisioning and enhance the consumer experience. See how our portfolio of financial inclusion solutions helps drive your business goals at every turn.

Get on the road to inclusive finance today!

Learn how Experian Clarity Services clients can enhance business processes with reliable and seamless income and employment verification that can reduce costs and complexity with a frictionless customer experience.

Experian's CrossCore® Prefill helps organizations provide a low-friction experience for new customers while keeping fraud low with device and phone-based intelligence. See how you can help reduce abandonment and decrease fraud rates.

Experian experts provide insight into the latest economic and market trends, their impact on consumers and how financial institutions can best adapt.