Report
Published November 28, 2023
Alternative Financial Services Credit & Economic TrendsIt's that time of year; the industry's annual checkup, and we're excited to share insights that will provide a better view of the consumers you serve.
For five years in a row, Clarity's Alternative Financial Services Lending Trends Report has been the go-to resource for those seeking insights into non-prime borrower behavior, alternative credit data, industry trends in the alternative financial services market, and more.
In this report, we analyzed:
- Online lending volume and product mix market trends
- Single pay and online installment loan performance
- COVID-19 and Loan Accommodations *NEW*
- Changes in loan characteristics
- And so much more
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Webinar
The Resilient American Gen Zer
In an era of economic uncertainty, resilience can seem out of reach, but Gen Z is flipping the script. Watch this webinar to explore:
- Key credit trends and behaviors shaping Gen Z
- Their perspectives on personal finance and aspirations for the future
- How organizations can better support and engage this dynamic cohort
Video
Leisure and Hospitality Resilience and Recovery
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!
Video
Navigating Industry-Specific Risks
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!