Welcome to the Experian Thought Leadership Hub

The latest Experian Commercial Pulse Report highlights a remarkable rebound for the Leisure & Hospitality sector:

✈️ TSA screened 903M+ passengers in 2024—a 6.5% increase over pre-pandemic levels.

🏨 Hotel occupancy rates are recovering, though still below pre-pandemic levels, as corporate travel remains reduced.

📊 Credit risk scores across subsectors are steadily improving, reflecting stabilizing financial health.

These trends showcase the sector’s resilience, supported by lower travel inflation and strong consumer demand despite economic pressures.

Credit managers, are you leveraging these insights to adjust your strategies?

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

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As published on the Business Information blog, 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

As published on the Business Information blog in our post titled Construction Industry Resilience, Experian wrote about how the economy continues to evolve and highlights some interesting trends in the housing market and for the many small businesses in the construction industry. This video offers some highlights from our study as well as a current read on macroeconomic conditions.

🔑 Additional 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 published on the Business Information blog  in a post titled Rising Retail Demand Meets Cautious Lending,  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!

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As published on the Business Information blog in a post titled Fintechs Transforming Financing and Growth -  the fintech industry has grown by 140% since 2018, with North America leading at 34% of global market share. This video recaps some of our research including:

• North American Dominance: North America accounts for over 34% of the global fintech market, making it a key player in the industry’s expansion.
• Innovative Solutions: Fintech companies have transformed traditional financial services with digital solutions in areas like payments, lending, personal finance, and investment management—led by apps like Venmo, Cash App, and Apple Pay.
• Increased Credit Activity: Businesses using fintech financing are 270% more credit-active than those relying on traditional financing, with higher inquiries, trades, credit lines, and balances.
• Higher Risk: Despite increased access to capital, fintech-financed businesses exhibit higher delinquency rates and lower credit scores, presenting added risks for lenders.

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.

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