State of Credit Card Report

Fraud risks have held many financial institutions back from committing to real-time money movement, but the danger of indecision could cause hesitant businesses to miss out on billions. We break down the biggest myths around RTMM and how they’re impacting the financial world.

Key Insights:

• 80% of U.S. consumers want to make payments faster and more direct, opening a lucrative opportunity for businesses who offer real-time money movement capabilities
• How FedNow changes the RTMM landscape in the U.S.
• What makes real-time payments more vulnerable to fraud (and how fraud teams can adapt)

Watch the recording of the Quarterly Business Credit Review webinar, where Experian shared and discussed critical insights from the latest Main Street Report.

Why you should watch:

• Leading Experts on Commercial and Macro-Economic Trends
• Credit insights and trends on 30+ Million active businesses
• Industry Hot Topics Covered (Inclusive of Business Owner and Small Business Data)
• Commercial Insights you cannot get anywhere else 
• Peer Insights with Interactive Polls (Participate)
• Discover and understand small business trends to make informed decisions
• Actionable takeaways based on recent credit performance

Visit our Commercial Insights Hub for more economic insights and reports on small business. 

The U.S. (United States) has been in a state of suspended animation from a small business perspective. The domestic election cycle was full of promises focused on government spending to resolve consumer and small business perceived challenges for the next four years. As we emerge from the election cycle, with a clean transition expected, what rhetoric will become a reality is creating uncertainty among lenders and small businesses. Macroeconomic indicators are leaning positive, while stubborn inflation increases prices and borrowing costs. Lenders are targeting a looser environment for underwriting as cashflows remain positive and small businesses feel the rush of holiday shopping. Growth is coming in 2025; the question is how quickly companies can prepare and maneuver through the next 6 months of policy and global volatility.

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!

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