Report
Published November 28, 2023
Alternative Financial Services Credit & Economic TrendsAccess our 2018 trends report, which dives into the latest findings attached to the industry and the consumers utilizing Alternative Financial Services products. Uncover new data on payment behavior, credit utilization and quality, and consumer stability for those individuals using products like short-term loans, pawn shops, payday loans, rent-to-own and beyond.
Discover how traditional lenders can benefit from these data insights, as well as what it reveals about subprime consumers.
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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.
Report
Beyond the Trends - Fall 2024
As the U.S. economy cools, small businesses face the dual pressures of year-end operations and the holiday season. Consumer spending has exceeded expectations, driven by savings depletion and increased reliance on credit, particularly among Gen Z—a trend raising concerns about long-term credit health. However, rising costs for essential expenses are beginning to constrain spending power, alongside slowing consumer sentiment ahead of an election cycle marked by uncertainty. Despite these challenges, small businesses are preparing for the holidays with optimism, building inventories to capture year-end growth. Credit markets remain accessible, with looser lending criteria offering a supportive backdrop. As the economy aims for a soft landing, small businesses have a chance to close the year on a positive note.
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