Financial Services
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Explore the Q3 2025 Market Pulse Index findings on the widening wealth gap, Gen Z's rising financial momentum, and why multidimensional risk [...]
Discover the top 2026 strategic priorities for industry leaders, from AI and digital lending to identity verification and evolving regulator [...]
Market leaders share Q4 Market Pulse insights on 2026 challenges: mortgage affordability, rising delinquencies, and the future of AI in risk [...]
Equifax Advisors review 2025 economic trends: the K-shaped economy, AI, Fed rate cuts, and rising consumer stress. See 2026 predictions.
Get key insights from our Market Pulse survey on the top macroeconomic risks for 2026: affordability, rising interest rates, and fraud.
Drive pipeline growth in financial services. Learn the 4 key considerations for marketers: conversion quality, data curation, performance cl [...]
Learn how AI and economic uncertainty are converging to reshape risk, security, and competitive strategy. Get the top 10 insights for 2025.
Get the latest consumer credit trends for December 2025 from Market Pulse. See key insights on rising originations, climbing consumer debt, [...]
Synthetic identity fraud is a hard-to-detect threat costing businesses up to $40 billion. Learn why this fraud is rising, its true impact, a [...]
Small businesses need a lender who understands their urgency. Learn how new technology, next-gen scores, and AI are building trust and speed [...]
Discover expert answers on the economic outlook, including downturn odds, AI stock valuations, and the impact of the $38 trillion U.S. natio [...]
Get the latest November 2025 Consumer Pulse insights on credit trends, outstanding debt, and delinquencies through September 2025 to prepare [...]
See how US consumer holiday spending is changing in 2025. Uncertainty and rising prices are shifting priorities to essential goods.
Learn about the worrisome rise of Account Takeover (ATO) fraud, its devastating impact on businesses and consumers, and three best practices [...]
Discover how leading lenders, data, and technology partners are accelerating data access and adoption to create resilient lending partnershi [...]
Power better lending with alternative data. See how Equifax's OneScore for Alternative Finance uses advanced data and AI to boost approvals [...]
Mobile fraud is on the rise. Learn why fraudsters are targeting mobile transactions and discover strategies to strengthen your digital fraud [...]
Discover the latest auto loan trends in 2025: from rising loan amounts and lender shifts to subprime lending and refinancing opportunities.
Gain insights into October 2025's macroeconomic trends, consumer sentiment, and the impact of VantageScore 4.0 on the mortgage industry.
Stay ahead with the latest consumer credit trends. Discover key insights on originations, debt, and delinquencies from the October 2025 Mark [...]
Unlock financial opportunities and transform customer experiences with alternative data. Discover how new data sources combine with traditio [...]
Navigate economic uncertainty with the new Market Pulse Index. Equifax Advisors discuss consumer financial health, inflation, and K-shaped d [...]
Unpack consumer financial health & generational divides with the Market Pulse Index. Discover key insights for strategic planning in a K-sha [...]
Unlock new lending opportunities with VantageScore 4.0. Discover how trended and alternative data expand credit access and refine risk asses [...]
Gain key insights into the Q3 2025 economy from the Market Pulse webinar audience, from consumer spending and lending trends to fraud and th [...]
Gain expert insights on potential economic impacts, housing affordability challenges, and market trends from our September Market Pulse Q&A.
Stay ahead of consumer credit trends with insights from Equifax. Explore rising debt, shifting delinquencies, and the growing fraud industry [...]
Stay ahead of economic shifts! Discover 6 macroeconomic trends and 4 mortgage industry themes from the September 2025 Market Pulse webinar.
The growing threat of synthetic identity fraud accounts for 50-70% of credit fraud losses. Learn how to prevent it and protect your business [...]
Navigate the fast-changing regulatory landscape in lending with insights from Equifax's Market Pulse podcast. Learn about new regulations, e [...]
Unlock financial growth by leveraging alternative data to create personalized experiences and reach credit-invisible consumers. Improve mark [...]
Get expert answers on student loan reclassification and credit washing fraud from the August Market Pulse Q&A. Stay informed!
Discover what's on lenders' minds in 2025: student loans, trade uncertainty, & auto lending. Get insights from Equifax Advisors.
Stay current on consumer credit trends with August 2025 Market Pulse insights, covering originations, debt, delinquencies, and fraud.
Learn top economic trends and how to fight fraud in the auto industry. Get key insights from the August 2025 Market Pulse webinar.
Discover how alternative data is transforming lending, creating personal experiences & stronger loyalty for financial institutions.
Unlock smarter lending decisions with open banking. Learn how Equifax solutions leverage bank transaction data to increase approvals and imp [...]
Get answers to your questions on student loans, credit cards, and economic shifts from the July Market Pulse webinar experts.
Unpack the K-shaped economy of 2025. Discover how it affects different generations and learn how to adapt your financial strategy accordingl [...]
Boost account opening and understand more customers with alternative data. Unlock new opportunities and make smarter lending decisions.
Unpack key U.S. economic shifts in July 2025. Discover 5 top takeaways and 3 emerging trends impacting businesses and consumers this year.
Gain key insights from the July 2025 Market Pulse webinar on current consumer credit trends, including originations, debt, and delinquencies [...]
Explore what hard data and soft warnings reveal about U.S. consumers in the second half of 2025. Dive into credit performance, employment, a [...]
Stay informed on first half of 2025 legislative trends: economic factors, consumer data, AI, and medical debt. Get key insights for business [...]
Discover 5 key trends for H2 2025 from Equifax's Q2 Market Pulse webinars, covering economic uncertainty, AI in fintech, and strategic plann [...]
Optimize consumer loan decisions with data. Unlock growth and mitigate risk by refining lending policies, analyzing historical data, and lev [...]
Catch up on H1 2025's top insights! Discover key trends in fraud prevention, alternative data, and Gen Z financial behaviors from our top 9 [...]
Unlock commercial lending success. Integrate data and analytics to validate businesses, assess risk, boost cash flow insights, and accelerat [...]
Understand June 2025's 5 key market trends: rising prices, economic uncertainty, slowing labor growth, falling consumer sentiment, and low s [...]
Discover how open banking is revolutionizing lending, offering more accurate risk assessments and expanding financial inclusion through cons [...]
Get a snapshot of June 2025 consumer credit trends, including originations, outstanding debt, and delinquencies, with insights from Equifax.
Unlock deeper customer insights with alternative data. Learn how it helps lenders make smarter decisions, balance growth, and reduce risk.
Stay informed on the evolving U.S. economy. This blog, based on the Market Pulse podcast, explores shifting economic trends, consumer behavi [...]
AI-powered credit score improvement for members. Enhance engagement, cross-sell, and build loyalty with personalized financial guidance tool [...]
Boost loan growth with targeted marketing. Discover how to find in-market credit seekers and deliver offers at the right time for maximum im [...]
Using the power of alternative data to assess commercial credit risk beyond traditional credit scores.
10 fraud prevention strategies for lenders in 2025. Learn how to optimize customer onboarding and detect sophisticated digital fraud.
Explore May 2025 consumer credit trends. Insights on originations, debt, utilization, & delinquencies. Stay informed with Equifax Market Pul [...]
May 2025 economic update: Get top 9 takeaways on market trends, stock losses, consumer spending, and economic uncertainty. Read the latest i [...]
Protect against synthetic & true name fraud. Learn key solutions like identity verification, MFA, & predictive modeling. Stop fraud losses n [...]
Help more Gen Z borrowers get approved using alternative data. Learn how to expand credit access & reduce risk for lenders.
April 2025 Market Pulse Q&A: Economic experts discuss inflation, stagflation, and their impact on various consumer markets.
Macroeconomic trends April 2025: Consumer sentiment, wealth effect, economic risks, and labor market analysis. Key insights from the Equifax [...]
Unlock business growth with Equifax differentiated data on Google Cloud. Gain real-time insights, improve risk management, and drive innovat [...]
April 2025 consumer credit trends: Key insights on mortgages, debt, and loans. Get the latest analysis.
Streamline account openings with data-driven solutions. Enhance risk assessment, fraud prevention, and compliance.
Editor's Note: This podcast episode was recorded on April 16, 2025. In the latest episode of the Market Pulse [...]
Navigate small business lending uncertainty in 2025. Explore market trends, economic insights, and strategies for growth.
Navigate today's uncertain market and discover key insights from Equifax Market Pulse, including Gen Z strategies, growth challenges in a sh [...]
Uncover the impact of macro lending trends on your strategy. Track recent lending activity to refine and optimize your origination efforts f [...]
Understand fraud trends & the rise of alternative finance in today's dynamic market. Learn how economic shifts impact lending and adapt your [...]
Evolving credit: Discover how new data sources & tech are reshaping lending. Learn about alternative data, risk assessment & the future of f [...]
For lenders, using alternative data is becoming increasingly crucial to stay ahead and drive growth in this rapidly changing market.&nbs [...]
In today’s fast-paced lending environment, traditional credit scores and financial statements may not tell the full story. In fact, 76 [...]
The opinions, estimates, and forecasts presented herein are for general information use only. This material is based upon information th [...]
The world of artificial intelligence is evolving at a dizzying pace. While traditional machine learning has long been a valuable tool for [...]
The opinions, estimates, and forecasts presented herein are for general information use only. This material is based upon information th [...]
For our March Market Pulse webinar, an all-star economist panel, composed of Dr. Amy Crews Cutts, President and Chief Economist at AC Cutts [...]
The March Market Pulse webinar showcased insights from Senior Equifax Advisor Maria Urtubey concerning current consumer credit trends. Whi [...]
According to IXI estimates, consumer wealth has grown by an incredible 247% since The Great Recession. That’s more than $47 trillion i [...]
Many lenders frequently use income estimates to help inform their decisions. For example, income estimates are often used to help evalua [...]
In today's digital age, consumers are increasingly conscious of their credit security. Credit freezes and locks have become popular tools [...]
As consumers and businesses struggle to recover from job losses and declining sales, alternative data plays an increasingly important part i [...]
While the world of consumer credit continues to evolve with the advent of newer forms of financing like fintech lending and Buy Now Pay [...]
Natural disasters like wildfires, hurricanes, and floods can leave lasting effects on individuals and communities. These events disrupt [...]
The landscape of consumer credit is undergoing a significant transformation, largely driven by the resumption of federal student loan de [...]
Both before and during each Market Pulse webinar, our audience submits their burning questions to our expert panelists, some of which we [...]
The February Market Pulse webinar showcased insights from Equifax Risk Advisor Tom O’Neill concerning current consumer credit trends. [...]
During our February 2025 Market Pulse webinar, our panelists discussed the impact of student loan debt on the economy. To op [...]
In Q4 2024, over 300 frequent viewers of the monthly Market Pulse webinar offered by Equifax provided insights into how their organiza [...]
2025 Economic Outlook: Inflation and jobs discussed on the Market Pulse podcast with Moody's Analytics economist.
Both before and during each Market Pulse webinar, our audience submits their burning questions to our expert panelists, some of which we [...]
The banking industry is facing a growing fraud problem, fueled by the rapid shift towards digital account opening and transactions. A [...]
As personalized experiences become increasingly vital, businesses face a significant opportunity — and challenge — in meeting the unique [...]
During our first Market Pulse webinar of the year, Equifax Advisor Dave Sojka explained current consumer credit trends as we head into [...]
Key economic trends for 2025: interest rates, inflation, and consumer spending are analyzed to understand the current state of the economy a [...]
As we head into 2025, businesses are keenly watching consumer behavior and economic trends to inform their marketing and operations stra [...]
In our December 2024 Market Pulse webinar, Dr. Robert Wescott of Wescott Strategic Advisors presented a macroeconomic update that focu [...]
The latest episode of the Equifax Market Pulse Podcast set the stage for 2025 by examining key economic themes, predictions, and challen [...]
What is inflation & how does it affect you? Learn about rising prices, impacts on savings & wages, & predictions for 2025.
For our December Market Pulse webinar, our panel included Mike Spriggs, Head of Consumer Insights at Fiserv, and Jesse Hardin, Risk Advisor [...]
In the December 2024 Market Pulse Webinar, our panelists shared the takeaways from 2024’s economic outcomes. For a recap of that informa [...]
During the December Market Pulse webinar, our panelists analyzed 2024 economic outcomes. Wescott Strategic Advisors Presi [...]
In the latest episode of the Market Pulse Podcast, the USIS Equifax Advisors -- Em Aliff, Tom O’Neill, Dave Sojka, Maria Urtubey a [...]
Small and medium-sized business (SMB) lending has undergone a transformation in recent years, thanks in large part to advancements in te [...]
Become a valued small business partner by empowering SMBs with the data and solutions they need to be successful
Both before and during each Market Pulse webinar, our audience submits their burning questions to our expert speakers. For our November [...]
In the November 2024 Market Pulse Webinar, our panelists discussed real-world impacts of global economic trends. For a recap of that i [...]
During the November Market Pulse webinar, our panelists analyzed 2024 global economic trends. AC Cutts & Associates Pres [...]
The pressure on financial institutions to grow and protect deposits has been a major topic of interest for the past couple of years, and [...]
Small- and medium-sized business (SMB) lending has evolved in recent years, thanks in large part to advancements in technology. Innovation [...]
During each Market Pulse webinar, our audience submits questions in real time to our expert speakers. For our October Market Pulse webin [...]
In the October 2024 Market Pulse Webinar, our panelists discussed how the end of 2024 is shaping up. Keybridge Research LLC [...]
New tool for credit unions and banks to spot opportunities and risks in their lending portfolio
When the Federal Reserve lowered interest rates by 50 basis points in September, it was the first cut since the early days of the COVID [...]
In the September 2024 Market Pulse webinar, our panelists had a lively discussion about several end-of-year topics, including how stud [...]
Our experts, Anna Fisher, Vice President, Alternative Finance, and David Sojka, Risk Advisor, discuss the AltFi space and how alternative [...]
Unleash the power of alternative data to revolutionize lending in 2024. Discover how lenders are leveraging non-traditional insights to make [...]
Lenders can take advantage of bank transaction data with new automated cash flow underwriting solutions for loan underwriting.
Discover how alternative data is transforming lending in a K-shaped economy. Learn about key market trends impacting consumers and how lende [...]
As the Federal Reserve prepares to start cutting its key interest rate from its current 23-year high, and a U.S. president [...]
In the world of auto lending, trends and statistics reveal important shifts in how different types of lenders are faring. Here is an ove [...]
Drive deposit growth and grow share of wallet with insight on U.S. consumer wealth trends.
It’s no secret that auto affordability remains an issue for consumers. High auto prices and high interest rates are an ongoing challenge [...]
The July 2024 Market Pulse webinar discussed recent trends around fraud, best practices for reducing overall fraud risk, consumer behavi [...]
Since the Market Pulse webinar is so dynamic, we want to ensure you do not miss one observation. Below, we recap consumer credit trends [...]
The July 2024 Market Pulse webinar discussed: recent trends around fraud, best practices for redu [...]
The New Normal The automotive industry is in radical transformation. Who will succeed? The automotive industry’s success depend [...]
In the latest episode of the Market Pulse podcast, the Equifax Risk Advisors team delves into the current eco [...]
Lenders, how satisfied are you with your approach to prescreen targeting? Do your prescreen campaigns reach fresh audiences? Or are you [...]
During our Market Pulse webinars, our audience submit questions each month to our expert panel. For our June Market Pulse webinar our pane [...]
Model efficiency and performance is the key Any company that leverages credit data from multiple credit bureaus is likely fami [...]
In the ever-evolving landscape of auto financing, a multitude of factors shape market dynamics. From shifts in lender strategies to chan [...]
In June’s Small Business Indices, we focused on consumer spending and its implications for the overall economy. In this blog, we will shar [...]
Published in May 2024, our U.S. National Consumer Credit Trends Report on Originations¹ provides trends in auto loans, leases, and dee [...]
Consumers' financial stability is an always shifting landscape. This is influenced by factors like job changes, inflation, and economic [...]
The current dynamic economic landscape presents a complex challenge for lenders. They have relied on traditional credit scores to assess [...]
Unleash the power of Equifax alternative data and AI-powered risk decisioning from Provenir As a financial services provider, you [...]
We live in a complex world of finance where every dollar counts. That is why understanding deposit dynamics is key to unlocking growth o [...]
Welcome to the May 2024 Market Pulse Webinar recap. Our goal is to keep you plugged in to what you need to know to navigate today's econ [...]
Small businesses are the backbone of the American economy. They play an important role in job creation and economic growth.¹ Over 99% of [...]
The March Market Pulse webinar resonated deeply with our audience. It delved into the complexities of affordability and its effects o [...]
In recent months, the U.S. economy has been navigating various challenges, affecting both big and small players alike. Let's take a clos [...]
In honor of Small Business Month, we’re sharing tools and thought leadership to keep you in-the-know. Below, you’ll find an overview o [...]
The market is continuing to move. Small businesses are often the first to react to economic fluctuations. Although, even with careful m [...]
The economy has made progress, but inflation is still too high. Federal Reserve Chairman Jerome Powell said on April [...]
The 2024 financial market leaves many in a state of uncertainty except for a certain bright spot: small businesses. This Small Bus [...]
In 2023, the landscape was tumultuous. American small businesses, lenders, and service providers faced many challenges. These included s [...]
In recognition of Small Business Week, we’d like to introduce the new 2024 Market Trends and Predictions Report focusing on the curr [...]
We are excited to be celebrating small business week (April 28 - May 4)! In the April 2024 Market Pulse webinar, we discussed d [...]
How many years has your company been marketing lending offers to consumers? Five? Ten? Twenty? Fifty or more? It’s likely a lot of years.& [...]
On our April 18 Market Pulse webinar, our experts talked about the roadblocks that business [...]
The small business landscape continues to shift, and due to a few recent trends we identified the need to take a step back to get a bett [...]
We are in unparalleled territory when it comes to the small business landscape. In this blog, we'll cover the recent boom in small busines [...]
33.3 million businesses in the United States qualify as small businesses. 1 In recognition of Small Business Month, we produced [...]
Credit unions are becoming increasingly popular for auto loan financing. While there are a few surprises, we've noticed a few auto loan tren [...]
When it comes to the small business landscape the one thing we generally all agree on is this is a time [...]
Inflation is having a broad impact on U.S. households. In the latest Market Pulse podcast, Jeff Richardson, SVP of Mar [...]
Risk management is a multifaceted field that remains an enigma to many. In the latest episode of the Market Pulse podc [...]
As we are solidly into 2024 Q1, it is the perfect time to reevaluate our financial resolutions. We are living through a K-shaped economy. [...]
Shift into high gear In our energetic February 2024 Market Pulse webinar, our experts presented a roadmap for driving success [...]
Many hope for a post-pandemic fresh start. The reality is that the financial landscape is a K-shaped economy, where the impact of econom [...]
When credit unions talk to their members, they likely hear that financial anxiety is a common theme. After all, members are faced with a [...]
Our January Market Pulse webinar discussed all aspects of affordability in our current financial market. Our experts shared their deep k [...]
Affordability is a buzzword that echoes through the economic landscape. In episode 37 of the Market Pulse podcast, Equifax [...]
2024 opens in a K-shaped economy. In this environment, consumer budgetary pressures look different for each population segment. Lenders [...]
Increasing inflation, rising interest rates and stagnant incomes have made borrowing more expensive and meeting financial commitments more [...]
During our December 7 Market Pulse webinar, experts shared insights, empowering you to look back at the economic and consumer landscap [...]
Did the economic predictions for this year come true? And what economic themes will shape 2024? In episode 36 of the Market Pulse podc [...]
Credit unions are known to provide personalized service and focus on the unique needs of their members. For many members, this dedicated [...]
During our November 16 Market Pulse webinar, experts shared insights and actionable advice, empowering you to navigate the intricate t [...]
In the dynamic realm of global markets, staying abreast of the latest trends is imperative for individuals and businesses alike. As we v [...]
As we approach the close of 2023, the U.S. economy faces a mix of challenges and positive indicators. In episode 34 of t [...]
Take the full capacity of the largest college football stadium (“The Big House” at the University of Michigan at 107,6001) and multiply [...]
As member-first institutions, credit unions need to provide seamless, personalized services. To meet these expectations, credit unions are [...]
You know that familiar chime on your phone when a payment is made? That, paired with the steady (metaphorical) hum of billions of dynamic [...]
The warning signs are all around us: many consumers are financially stressed. Already, consumers are getting squeezed by high inflation [...]
As consumer savings declines and high interest investment options are more accessible, keeping and capturing new deposits continues to be [...]
Macroeconomic indicators like increasing delinquency rates and ballooning debt point to a nation of prospective borrowers [...]
When we speak with our credit union clients, we often bring up the potential impact of student loan debt. After all, student loans are h [...]
During our recent Market Pulse webinar, we discussed how staying ahead of the curve is essential for success. The September 2023 Market [...]
An increasing number of consumers are facing credit and financial stressors. What economic factors are causing this? [...]
In the fast-paced world of finance and economic policy, staying ahead of the curve is essential for success. The September 2023 Market Pul [...]
In July 2023, small business lending and financial stress exhibited distinct regional and industry-based trends. As we look at the Equifax [...]
In our August 2023 Market Pulse webinar, our risk advisors hosted a panel discussing the recent student loan repayments, financial durab [...]
We are in uncharted economic territory. This month’s Market Pulse webinar is a must-listen to get ahead of the economic fluctuations we [...]
The last three years has brought a range of micro and macroeconomic storms. Shifts in spending behavior and the influx of [...]
This is the first of a two-part blog series. Look out for the second article to learn how lenders can prepare to address student loan risk [...]
In today’s world of lean teams and tight budgets, lenders need to make smart choices about how they divide resources, prioritize efforts [...]
June 2023’s Market Pulse Webinar explored how fintechs are tackling not only economic headwinds, but tightening credit. We learned how [...]
Making Sense of Marketing Trends Every business wants to increase revenue. But, to do that it’s important to find the hidden op [...]
Here’s a thorny question…and your response may impact the future of your business in today’s uncertain economy. Is your customer data he [...]
As we approach the halfway point of 2023, the economy faces multiple headwinds. From debt ceiling negotiations and the bankin [...]
The nation’s consumers are becoming even more financially diverse. Think about young consumers and the growing number of immigrants who [...]
As economists warn of a possible impending recession, banks are raising their rates and tightening their lending standards. H [...]
During these challenging economic times, lenders need to strike a balance between growing their lending portfolios and managing risk. In [...]
Even with rising interest rates and economic uncertainty, consumers are still expected to seek out new unsecured loans and lines of credit [...]
Fintech companies are disrupting the financial industry. In times of economic uncertainty, the reality of implementing disruptive solution [...]
For lenders, today’s economy is causing some angst. While lending remains strong, many lenders are concerned about growth. How can they [...]
During the March 2023 Market Pulse webinar, “How Credit Unions Are Adapting to Economic Uncertainty,” panelists Rob Wescott, former Sp [...]
Financial institutions have become more risk-aware following the Fed’s interest rate hikes, an uncertain economy and recent challenges f [...]
Spoiler alert: it’s NOT what you think of when you think “Equifax” Everything you do as a credit union centers around your member [...]
Generation Z is the tech-savvy and socially conscious cohort born between 1997 and 2012. Gen-Z is beginning to establish its own financi [...]
Reporting can be a pain point for many lenders. Yet, it’s an important part of ensuring lenders get an accurate picture of a consumer’s [...]
We’re talking weeks, not months, or years A lot of businesses feel “stuck” in today’s uncertain market, unsure about how to get [...]
In the U.S. and abroad, the cost of living is rising and consumers and businesses are feeling the squeeze. How will this impact the lend [...]
In today’s shifting economy, many credit unions continue to focus on maintaining adequate liquidity. Lower interest rates over the past [...]
From record inflation and rising interest rates, to wavering consumer spending power and a potential hiring slowdown, the ever-changing [...]
Starting ahead is critical in today's economy. As we discussed in last month's Market Pulse webinar, 2022 was full of challenges, but kn [...]
Where should consumer and commercial lenders look for responsible growth in 2023? While lenders should be judicious in challenging econo [...]
Big banks are flush with data and analytic resources. Optimizing their credit risk models is a seamless, efficient process. It’s [...]
Despite high-profile layoffs in the technology and media industries, the 2022 labor market has been a bright spot in the economy. How sh [...]
The demographic composition of current and prospective customer bases is changing. And, most financial providers recognize that. Consumers [...]
With 2022 almost in the books, the US economy is still experiencing pandemic whiplash and general economic uncertainty. We’ve been chall [...]
You might be asking yourself the $20 trillion-dollar question: are we in a recession? And, what does that mean for risk in my portfolio? [...]
The IMF is predicting global growth may slow to 3.2% in 2022 and 2.7% in 2023, down from 6% in 2021. How will the domestic economy fare [...]
(This blog is the second in a two part series.) The economy is continuing to fluctuate. Financial marketers are starting to shift [...]
Today’s credit unions want more account growth, more operational efficiency, and more digital services.¹ Yet, they also want something e [...]
Credit union marketers have a full plate. They need to attract new members, deepen relationships with existing members, and provide a positi [...]
(This blog is the first in a two part series.) Your financial services firm likely serves a wide range of consumers – each with varying [...]
Confidently serve below-prime members by seeing the bigger picture Approved. It’s a magic word. Especially for the estimated 77 [...]
During our July 28 Market Pulse webinar, our panel of experts discussed what lenders and Gen-Z should be doing during the current stud [...]
Consumers are eager to make up for lost time as they depart for their summer vacations and settle back into their traditions. But with i [...]
For our May 19 Market Pulse webinar our presenters discussed the recent economic update, consumer credit trends, and small business tr [...]
The more digital the world becomes, the more opportunities there are for fraud to sneak in. This can lead to many unanswered questions for [...]
This is a recap of our April 14 Market Pulse webinar, where our panel of experts discussed the recent supply chain crisis, as well as [...]
Turbulence in the economy continues to create challenges for consumers and lenders alike. The wide range in how consumers are being impa [...]
This month’s Market Pulse webinar presenters included Dylan Hall, Co-Founder and CEO at Safe Rate; Peter Hellwig, Co-Founder at Atmos Fi [...]
During our March 10 Market Pulse webinar, our panel of experts discussed details pertaining to entrepreneurs and how they can particip [...]
For much of the last century, population growth in the U.S. has remained relatively stable. But that is changing, and your business should p [...]
As you think about your business plans in 2022, having access to key data to make informed business decisions will be important. For our [...]
Conventional wisdom tells us there are two main ways to achieve your revenue targets in 2022. For most companies, it boils down to either [...]
76.1 million consumers have little-to-no credit history.¹ Unfortunately, having no credit history makes it very difficult for many indiv [...]
For our December 2 Market Pulse webinar, our panel of experts discussed the current and future state of the energy industry. This month’ [...]
Buy Now, Pay Later has continued global growth, with U.S. adoption up sharply over the last two years. The service, which originated from Au [...]
For our December 2 Market Pulse webinar, our panel of experts discussed the current and future state of the energy market. This month’s [...]
Buy Now, Pay Later (BNPL) financing is soaring in popularity this holiday season. Consumers are using these loans to purchase everything fro [...]
Today, financial institutions need to be agile, fast, and flexible to keep pace with the changing market and customer dynamics. Digitizati [...]
Optimized trust enables organizations to find, reach, and approve ideal customers in familiar and unexpected places. In this recap of ou [...]
The mortgage industry is constantly changing. But these lending FAQs can help you keep up with the latest trends and gain a competitive edge [...]
We are living in a digital-first world and trust is more than secure transactions. During our November 11 Market Pulse: Optimizing Trust i [...]
This is a recap of our October 7 Market Pulse webinar, where we discussed the importance of credit unions in gaining access to credit. T [...]
Successful credit unions work hard to attract new members, strengthen existing member relationships, and give the community direct access [...]
The economy is recovering and the outlook for small businesses is continuing to remain strong. Fintechs have started to step away from t [...]
Consumers and businesses need access to credit and lending to live and perform. Yet, 91.5 million consumers struggle to gain access to [...]
It’s no big news that today’s consumers are savvier than ever. They expect online interactions — and they better be seamless, or you risk [...]
As the economy recovers the outlook for small businesses remains strong. Fintechs have started to step away from traditional credit data [...]
The banking landscape is changing. Challenger banks, also known as neobanks, have taken off in popularity, especially since more people [...]
Buy Now Pay Later (BNPL) services skyrocketed during the 2020 ecommerce boom. These services soared nearly 50% from July 2020 through March [...]
Post 2020, financial inclusion is the common theme This week, top data and analytics experts from Equifax and around the world [...]
Markets are continuously changing, whether it’s based on new customer behaviors, unforeseen economic forces or new competitors looking to [...]
At the Virtual Consumer Data Industry Association (CDIA) Law & Industry Conference on July 12-14 2021, Peter Maynard, Senior Vice Pr [...]
A More Inclusive Credit Scoring Model Economists refer to the U.S. recovery as ‘K-shaped’, meaning that one segment of the population is pr [...]
In this recap of our June 24 webinar, “Market Pulse: Accelerating Access to Credit,” Chris Wheat, Co-President at JPMorgan Chase Institu [...]
Demand Growing for Small Business Credit With economists predicting a GDP growth rate of 6.5% in the fourth quarter and consumer spending b [...]
In this recap of our June 3 webinar, “Market Pulse: The Post-Pandemic Small Business Economy,” Evan Leaphart, Founder and CEO of Kiddie [...]
As we emerge from the pandemic, small businesses are integral to the health of the post-COVID economy. For our June 3 Market Pulse webinar [...]
Businesses and consumers alike are experiencing information overload as they try to understand how the world is evolving in light of the COV [...]
The Responsible Use of Data The concept of privacy has changed dramatically since the pre-internet days -- and even since the 201 [...]
Many businesses operate in a transactional environment that requires fast credit decisioning. However, a variety of obstacles prevent them [...]
In this recap of our May 6 webinar, “Market Pulse: Growth Amid Rising Fraud,” Amy Crews Cutts, President and Chief Economist at AC Cut [...]
“Losses due to identity theft increased by 42% from 2019 to 2020 primarily due to the COVID-19 pandemic. Aite Group estimates that losse [...]
For our May 6 Market Pulse webinar, our panel of experts discussed how fraud trends impact consumers and businesses and how to prevent fraud [...]
Updated 5/11/2023: The White House declared the end of the Covid-19 Health Emergency May 11, 2023 so some of the details mentioned [...]
Identity Fraud Accelerates in 2020 The year 2020 was a heyday for online fraudsters. There are a couple of reasons why. First, [...]
With an increase in vaccinations, a second stimulus check and a wealth of pent-up demand, consumers are ready and willing to spend. For [...]
While the global pandemic continues to dramatically impact businesses, project managers and commercial real estate (CRE) professionals want [...]
After a year of credit tightening in 2020, consumer credit remains down across the board. That includes balances, utilization and delinq [...]
"The truth is, your identity has already been stolen. More than 800 million security breaches have occurred, and we have only about 320 mill [...]
How American Express Achieves World-Class Customer Service What does personalization really mean in marketing today? According [...]
We captured key insights from the January 14 webinar, Market Pulse: Planning in a K-Shaped Recovery, featuring Cris deRitis, Deputy Chie [...]
Who Benefits from the Fiscal Stimulus? There were three main components to the fiscal stimulus package that Congress approved in late Decemb [...]
This is a recap of the December 10 webinar, Market Pulse: Consumer Spending Trends and Expectations. We’re sharing key insights offere [...]
Consider Performance Criteria, Algorithms and Labeled Data Fraud prevention is a challenging task, given the mercurial nature o [...]
In our latest webinar, “Economist Panel on the Outlook for 2021,” we were joined by three top economists: Dr. Mark Zandi, Chief Economist at [...]
Buy Now, Pay Later FinTechs are Well-Positioned to Drive Holiday Sales in 2020 Buy now, pay later FinTechs are well-positioned to enable a [...]
Assessing a Consumer’s Identity is Not as Simple as Reviewing a Document and Putting a Score on it. The concepts of credit and fr [...]
Sharing Ideas and Best Practices for a Challenging Time This year’s Ignite Live 2020 was buzz [...]
Welcome to our blog series on leveraging the power of data and analytics to maximize identity results. In my previous article, I shared [...]
The Real Question is “When” - not “If” - we will get Economic Stimulus As we count down to the U.S. election, the question of economic stim [...]
This year has forced financial firms to reevaluate and alter their lending programs. Many lenders have had to work quickly to adapt in o [...]
Why Digital Credit Marketers Should Embrace Email Consumers are relying more on digital channels during the pandemic, whether i [...]
It has never been more important for businesses and consumers to trust who they're doing business with. Everyone knows the adage, [...]
High unemployment is adding to the financial stress on households. As of August 13, 13.1% of renters did not pay their monthly rent. That co [...]
The U.S. Department of Labor (DoL) announced on August 31, 2020 they are providing an additional $100 million to state workforce agencies t [...]
This is part 1 of a 3-part series Accelerating Growth in the FinTech Space While the COVID-19 pandemic is upending the status quo for man [...]
Advance your business with data-driven recession marketing strategies In early June, The National Bureau of Economic Research ann [...]
May 2020 Market Pulse Series - FAQs Equifax and our expert guest speakers answered dozens of questions from attendees follow [...]
As you may already know, account management programs help keep you ahead of risk and find opportunity inside your customer portfolios. But y [...]
over 21.9mm unemployment claims were filed by Americans. In comparison, the maximum four-week stretch for unemployment during the Great Rece [...]
Great societal changes bring about big questions – and often, a dive into the past can be helpful in understanding the future economy.
FICO recently announced that its new FICO® Score 10 T, set to be released this summer, will include trended data. With this new opti [...]
Since the last U.S. recession in 2008, financial risk management has seen significant changes. Lending requirements are tighter, verific [...]
This question sounds absurd. But this is one of the most important questions lenders must ask themselves when making consumer credit de [...]
In recent weeks, you may have heard that the Current Expected Credit Loss accounting standard - the regulation known as CECL - has been [...]
I grew up watching various science fiction drama TV shows and recall one particular character that could shape-shift. He would shape-shift [...]
The financial sector might see the worst of it, but no business with an online presence is immune to the threat of malicious bots. In fact [...]
Did you know that the concept of credit has been around for over 5,000 years? While the methods for evaluating credit have evolved over [...]
Adaptive AI is the next great advancement in leveraging AI for credit risk. Equifax's Chief Innovation Architect, John Fenstermake [...]
Discover Your Diamond Customers Among the Rough Fraudsters. There is no doubt that today’s cybercriminals are dedicated to thei [...]
Today’s static consumer credit profile provides a limited understanding of financial behaviors and risk profiles. Alternatively, trended [...]
This blog if the fourth article in a 5-part series. It originally published on January 26, 2017 and was updated on July 17, 2 [...]
Why Trended Data Impacts Credit Decisions Today, many lenders rely strictly on a static credit score. This provides a snapshot [...]
This is the second article in a 5-part series. We originally published this post on December 20, 2016 and updated it on July 17, 2019. Many [...]
Losses from Synthetic Identity Fraud are Increasing Most of us are familiar with the fable from Greek storyteller, Aesop, about [...]
This blog post is part of a 5-part series. It was originally published on December 15, 2016 and updated on July 17, 2019. B [...]
Technology and better security measures are making it more difficult for card counterfeiters to beat the system. So today’s criminals are tu [...]
Information asymmetry occurs when one party to an economic transaction has more or better information than the other party. Information asym [...]
Market Conditions Ripe for More Consumer Lending An improving economy means more people feel confident in their ability to pa [...]
Equifax has developed Insight Score™ for Personal Loans, a risk score optimized to help lenders evaluate applicants seekin [...]
Does Segmentation Go Far Enough? Segmentation for customer acquisition is a mainstay of daily business for most financial service [...]
A Two-step Authentication Approach Consumers are always on the go, using digital devices to make purchases, check account balan [...]
Digital Channels Have Their Challenges Historically, credit marketing has largely focused on delivering firm offers of credit t [...]
Envision a busy parent. You might imagine them driving to work or crunching deliverables all morning. Perhaps they're waiting for a doct [...]
Current Expected Credit Loss (CECL) will require financial institutions to gather data from various sources. Based on conve [...]
As a financial company, you've probably tested virtually every element of traditional direct mail credit marketing campaigns – from the [...]
Synthetic IDs are Like Digital Frankensteins Halloween is always a fun time of year. It inspires a childlike excitement in us a [...]
Lending and the Economy While not its direct intent, the new current expected credit loss (CECL) standard could have a signific [...]
Meet Credit Union Members Where They Want to Do Business. It takes more than a “smile and a handshake” to develop a relationship [...]
New technology tools help wealth leaders and advisors work together to grow Assets Under Management (AUM) Growing AUM is a top go [...]
Instant access to wealth and investment insights a game-changer -- for wealth management leaders and financial advisors Your fina [...]
Differentiated data can be a game-changer to help grow your Assets Under Management Prospecting is a numbers game. Optimizing the [...]
This is the fourth post in a 5-part series, Digital Customer Experience We asked Maxie Schmidt-Subramanian, PhD, Principal Ana [...]
This is the second post in a 5-part series, Digital Customer Experience We asked Maxie Schmidt-Subramanian, PhD, Principal [...]
Equifax asked recent webinar guest speaker, Maxie Schmidt-Subramanian, PhD, principal analyst serving customer experience professionals [...]
Credit card lending is still on fire. There have never been so many consumer choices for premium cards. They have exclusive names like The [...]
Synthetic identity fraud is a well-organized activity of fraud rings looking for ways to create and then nurture fake identities over a [...]
We’ve all been there. We try to apply for something or access an account for the first time on our mobile device and get frustrated at t [...]
What is synthetic identity fraud? Synthetic identity fraud occurs when fraudsters create new, fictitious identities by using diff [...]
Pathways to Synthetic Identity Fraud Fabricated social security numbers (SSNs) and authorized user abuse are the two main pat [...]
Most financial services organizations already have adopted data and advanced analytics strategies. They typically use data to identify poten [...]
Are you a financial institution looking to grow your commercial credit card business? Focusing on this market makes a lot of sense, es [...]
Get a Big Picture View of Small Businesses Commercial payment performance data can help provide information on how a business is paying its [...]
While TV has long been a fantastic way to deliver messaging to a wide audience, marketers have recently been attracted to new methods that a [...]
How machine-learning technology can provide insights that drive growth with less risk Soaring increases in computing volume and a [...]
It’s official: siloes don’t work. That’s why Equifax designed BusinessConnect™ to align three important revenue functions—Sales, Credit and [...]
Editor's Note: As of May 15, 2025, this blog has been updated. For the updated information, please visit the updated version of this [...]
Data from the Equifax Observations and Impacts of U.S. Consumer Wealth Trends report paints a compelling and clarifying picture for fi [...]
Walk into almost any homeowners’ association (HOA) meeting, listen to the discussions about unleashed dogs and roof repairs, and you might [...]
Today's mass affluent population is as diverse as the banks that serve it, representing a broad spectrum of individuals with varying financi [...]