Financial Services
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Highlights: Technology partners can help lenders succeed in the evolving small business lending market by int [...]
Highlights: The U.S. economy in June 2025 is characterized by a mix of strong labor market indicators [...]
Highlights: Open banking revolutionizes lending by allowing consumers to securely share bank transaction data, [...]
Highlights: Consumer originations increased year-over-year in several lending categories by February 2025, wi [...]
Highlights: Traditional credit files offer a limited view of creditworthiness, often excluding "thin file" or "cred [...]
Highlights: The U.S. economy has rapidly changed since February, with increased uncertainty and the risk of stagflation d [...]
Highlights: Optimal Path, an AI-driven solution, can enhance member engagement and loyalty for financial institutio [...]
Marketers, let’s face it. Finding ways to drive customer growth is always a challenge. But it’s even more of a challenge when your busin [...]
Commercial lending is a bit like solving a puzzle. To understand the bigger picture of a business, namely hidden risks that might lead to [...]
A recent webinar featuring experts Zoya Khurana, Lead Product Manager at Alloy, Brady Harrison, Head of Strategy and Execution, D [...]
The May Market Pulse webinar showcased insights from Equifax Advisor Jesse Hardin around current consumer credit trends. While this over [...]
The opinions, estimates, and forecasts presented herein are for general information use only. This material is based upon information th [...]
Fraud can take many forms and can also vary in size and impact. Below are the two most common types of fraud we see and help our customers [...]
For many young adults, getting their first credit card, car loan, or personal loan is an important milestone. However, for lenders, these [...]
Both before and during each Market Pulse webinar, our audience submits their burning questions to our expert panelists, some of which we [...]
The opinions, estimates, and forecasts presented herein are for general information use only. This material is based upon information th [...]
In today's dynamic and competitive business landscape, data is at the core of informed decision-making. But not all data is created equal [...]
The April Market Pulse webinar showcased insights from Equifax Senior Advisor David Sojka concerning current consumer credit trends. W [...]
In today's evolving financial landscape, lenders face the challenge of balancing efficient account opening with robust risk management. [...]
Editor's Note: This podcast episode was recorded on April 16, 2025. In the latest episode of the Market Pulse [...]
In the current economic landscape, small business lending is facing a complex and evolving set of challenges. Key takeaways from [...]
Right now, the market feels more uncertain than ever. For those of us leading businesses or using data to drive decisions, the pressure is [...]
How is your company staying on top of changes in consumer credit activity? Ask yourself these questions: Do you know how chan [...]
In today’s rapidly evolving economic landscape, lenders must stay ahead of the curve by understanding emerging consumer trends and the g [...]
The lending landscape has undergone a seismic shift in recent years. Gone are the days when a simple three-digit credit score held absolut [...]
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 [...]
The opinions, estimates, and forecasts presented herein are for general information use only. This material is based upon information th [...]
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 [...]
Now more than ever in this rapidly changing market, alternative data solutions can help solve some of the banking and lending industry’s [...]
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 [...]
Less than a month into President Trump’s second term, businesses, economists and consumers all are trying to navigate his flurry of earl [...]
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 [...]
As we move into 2025, the economy is settling into a new rhythm after years of volatility as some key financial indicators are returning t [...]
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 [...]
Even if you’re not sure about the exact definition of inflation, you have probably felt its effects. Here, we’ll share: What [...]
Both before and during each Market Pulse webinar, our audience submits their burning questions to our expert panelists, some of which we [...]
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 President [...]
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 [...]
Small and medium-sized businesses (SMBs) represent a dynamic and rapidly growing market, bursting with opportunities for expansion. The [...]
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 [...]
Credit unions and small to mid-sized banks, ask yourself this question: Is your organization struggling with limited resources and [...]
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 [...]
In today's fast-paced market, lenders want to make informed decisions, expand their customer base, and improve customer experiences. Alt [...]
Open banking is a financial services model that allows third-party providers to access a consumer's bank transaction data with their per [...]
In the latter part of 2024, consumers are navigating a complex financial landscape. Our K-shaped economy is characterized by significant [...]
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 [...]
In today's ever-changing financial landscape, understanding wealth trends is a critical part of an effective deposit and investment grow [...]
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 [...]
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 [...]
When asked where to get an auto loan, a credit union might not be the first answer. But, credit unions are in fact a quite popular choice [...]
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 else. [...]
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 [...]
Buying a home can be stressful and confusing — especially if a consumer is trying to learn about credit and how their credit score can i [...]
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 [...]
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 in th [...]
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 [...]
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 in th [...]
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 [...]
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 in th [...]
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 [...]
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 in th [...]
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 [...]
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 in th [...]
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, [...]
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 in th [...]
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 [...]
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 in th [...]
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 in th [...]
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 in th [...]
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 conversations w [...]
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 [...]