Welcome to the Experian Thought Leadership Hub

Traditional bot detection methods — like IP blocklisting, user-agent analysis, and heuristic behavioral checks — used to be enough to stop fraud bots. But now, GenAI has turned the tables: fraudsters can essentially reverse-engineer your fraud stack and create next-gen bots that evade every trusted tool. In this webinar, our experts explore the increasing sophistication and velocity of bot attacks and the latest techniques for balancing bot-fighting and friction.

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

See Experian Assistant, our latest innovation in GenAI technology, in action – taking financial institutions to the next level by increasing productivity and scaling expertise. In this webinar, discover how to drive higher productivity and customer engagement, minimize time spent writing code, and improve understanding of data and attributes.

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.

Bots are an ever-present threat to today’s digital businesses: fraudsters leverage them in multiple ways and meticulously tailor attacks to beat their targets’ defenses. Read an analysis of bot attack strategies and the keys to identifying a forthcoming attack.

This report includes:

• Findings from a four-month study on bot attack set-ups and strategies
• New data on how fraudsters use bots to identify and exploit weaknesses in their targets’ fraud stacks
• Behavioral insights revealing the signs that foreshadow large-scale bot attacks

Join our industry experts as they discuss national economics and credit trends and housing and auto sector trends as of October 2024.

Listen now to get insights on:

• Our latest in-house economic forecasts for the rest of the year
• Key economic, credit and small business trends
• Relevant KPIs your organization to focus on

Read the latest regional consumer spending and economic growth trends, as well as our in-house macroeconomic forecasts for the year ahead.

Key insights:

• Total retail sales in the US increased by 0.4% month-over-month in September 2024, and were 1.7% higher than a year earlier.
• The labor market continues to remain tight with the unemployment rate falling slightly from 4.2% to 4.1% in September.
• Supply chain disruption has been minimal, and inflation is expected to continue to ease.

An analysis of five fraud ring attacks across five different digital industries, including a breakdown of who was targeted and why, background information and future predictions on evolving fraud ring styles and strategies, and investigations into how fraud rings choose their victims.