Financial Services

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Credit Risk Fast-track from Lending Analytics to Action

Speed up your lending strategy with Equifax Ignite AI Advisor. Learn how agentic AI helps you act on data insights for better growth and ris [...]

Data-Driven Marketing Winning the Great Wealth Transfer: The Power of Proactive Relationship Mapping

Financial institutions can maximize growth during the Great Wealth Transfer by proactively mapping household relationships to secure assets [...]

Market Trends Beyond Homeownership: What the “Rent-Lock Generation” Means for the Future of Housing Affordability

Explore the rise of the "Rent-Lock Generation." Learn why high-income renters are reshaping housing affordability and how businesses can rea [...]

Market Trends Legacy and Stability: Why Baby Boomers and Traditionalists Remain the Gold Standard for Financial Security

Discover why Baby Boomers and Traditionalists represent the gold standard for financial security and how their asset-backed stability impact [...]

Consumer Credit Conquer K-Shaped Consumer Risk: 5 Questions to Answer to Unmask Decision Intelligence Blind Spots

Protect your lending portfolio from K-shaped economic risk. Learn how Equifax Risk Decision Intelligence layers alternative data to uncover [...]

Market Trends The Gen X Financial Gap: Deciphering the K-Shaped Divergence in Financial Security

Gen X faces a growing K-shaped financial divergence. Learn how shifting debt levels and stability trends impact lending strategies in today’ [...]

Data-Driven Marketing Driving Credit Union Portfolio Growth: How Precision Targeting Unlocked $134 Million in Auto Loan Refinances

Discover how a leading credit union leveraged Equifax Ignite and TargetPoint Intent Scores to recapture auto loan market share, generating $ [...]

Market Trends The Escrow Escalator: Why Rising Insurance, Taxes, and Mortgage Costs Are Redefining Housing Affordability

Learn why rising property taxes and insurance, known as the 'Escrow Escalator,' are driving housing costs beyond the traditional 30% afforda [...]

Market Trends May 2026 Market Pulse: Expert Q&A on K-Shaped Economic Trends, SMB Risk, and More

Explore expert insights from the May 2026 Market Pulse webinar on K-shaped economic trends, small business risk management, and innovative c [...]

Identity & Fraud Beyond the Credit Check: Building a Layered Defense Against Evolving Fraud Threats

Evolving fraud like synthetic identity and first-party attacks requires a layered defense. Implement proactive verification and continuous m [...]

Market Trends May 2026 Market Pulse Webinar: Navigating Today’s Economic ‘Battle Royale’ and Adopting the Whole Owner Perspective in Commercial Lending

Navigate economic shifts and small business volatility with key insights from the May 2026 Market Pulse Webinar, covering commercial lending [...]

Market Trends May 2026 Consumer Pulse: The Latest Consumer Credit Trends

Uncover the May 2026 Consumer Credit Trends: US debt hits $18.2T as consumers show caution, mortgage delinquency rises, and small business r [...]

Credit Risk No Code, Just Conversation: How You Can Use Natural Language to Simplify Lending Analytics and Grow Your Portfolio

Simplify lending analytics with AI. Use natural language to get instant, actionable insights for driving growth and mitigating risk with Equ [...]

Market Trends The New Math of Affordability: The Hidden Forces Driving Housing Costs

Discover the hidden forces—from rising taxes to soaring insurance—driving housing costs past the 30% rule. Learn how lenders can master the [...]

Market Trends Understanding the K-Shaped Economy: What It Means for Credit, Risk, and Consumers in 2026

Analyze the K-shaped economy's impact on credit, risk, and consumer resilience in 2026. Lenders must look beyond averages to spot rising con [...]

Credit Risk Beyond the Bottleneck: Why Timely Credit Score Validation is Your New Catalyst for Growth

Equifax Score Validator helps small banks and credit unions replace custom, resource-heavy validation with a high-efficiency alternative to [...]

Market Trends The Future Consumer is Gen Z: Decoding the State of the Digital-First Generation and Strategies to Capture their Momentum Now

Decode Gen Z, the digital-first generation and momentum leaders in the K-shaped economy. Learn strategies for lenders and retailers to captu [...]

Market Trends April Market Pulse Q&A: The Experts Answer Your Questions on Economic Trends, the K-Shaped Economy, and More

Get expert answers on economic trends, consumer credit stress, the K-shaped economy, supply chain disruptions, and forecasting credit losses [...]

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Market Trends The K-Shaped Economy and Rising Consumer Credit Stress: Insights from the April Market Pulse

Get insights on the K-shaped economy and rising consumer credit stress. Learn how lower-income consumer financial strain compares to resilie [...]

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Credit Risk Q&A: Bridging the Analytics Gap for Mid-Sized Lenders

Discover how Natural Language AI and Agentic AI are bridging the analytics gap, giving mid-sized lenders access to the "big-firm" data insig [...]

Market Trends The State of the Generations: Why "One-Size-Fits-All" Fails the New Millennial in Today’s K-Shaped Economy

Explore the K-shaped financial split among Millennials and how the coming Great Wealth Transfer will change their profile. Businesses must u [...]

Market Trends April 2026 Consumer Pulse: The Latest Consumer Credit Trends

Unpack the April 2026 Consumer Pulse, detailing the latest credit trends: broad origination growth, shifting credit dynamics, and rising sub [...]

Webinar
Identity & Fraud Fighting AI with AI: Countering AI-Powered Fraud with the Dual Power of Experience and Intuition

Counter sophisticated AI fraud with the dual power of supervised machine learning ("Experience") and unsupervised learning ("Intuition") to [...]

Credit Risk The Future of Credit: How to Balance Speed and Risk for Real-Time Lending Decisions

Discover how real-time analytics and alternative data are transforming credit risk assessment. Balance lending speed with risk mitigation, s [...]

Credit Risk Unlock Agility: How to Eliminate the “Last Mile” Bottleneck in Credit Risk Model Deployment

Agility is key in adjusting custom risk models. Gaining speedy access to the attributes needed can be a game changer, and Equifax is re-engi [...]

Market Trends The Lower Arm of the K-Shaped Economy: Understanding the Resilient Strivers in Today’s Environment

Uncover the "Resilient Strivers," the lower arm of the K-shaped economy. Learn how they navigate the "Silent Squeeze" and why traditional cr [...]

Credit Risk From Willingness to Ability: Why Consumer Affordability Is the New Pillar of Responsible Lending

Understanding a consumer’s ability to take on additional debt responsibly has never been more accessible with the introduction of Consumer A [...]

Market Trends From Thrivers to Strivers: What the Q4 2025 Market Pulse Index Report Reveals about the K-Shaped Economy and the Generational “Silent Squeeze”

Discover the K-shaped economy with the Q4 2025 Market Pulse Index. Learn about the rise of Thrivers and Strivers, the Gen X 'Silent Squeeze, [...]

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Market Trends Q1 Market Pulse: Early Stress Detection and Precision Define Challenges and Opportunities For Industry Leaders in 2026

Uncover the key challenges and opportunities for industry leaders from our Q1 2026 Market Pulse Polls. Learn about the pivot to risk mitigat [...]

Webinar
Identity & Fraud Innovation at the Speed of Security: The Equifax 2025 Security Annual Report

Explore the Equifax 2025 Security Annual Report, detailing how we leverage AI and innovation to block 19.8M threats daily, exceed benchmarks [...]

Market Trends Market Pulse Q&A: The Experts Answer Your Questions on the K-Shaped Economy, the Equifax Market Pulse Index, and More

Get expert answers on the K-Shaped Economy, Equifax Market Pulse Index, oil price impact, and Social Security COLA.

Market Trends The K-Shaped Reality Check: Navigating Economic Trends and the Decline of the "Average" Consumer

Navigate the K-shaped reality: Get key insights on AI investment, regional job growth, and consumer financial stress from the March 2026 Mar [...]

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Market Trends March 2026 Consumer Pulse: The Latest Consumer Credit Trends

Get the latest consumer credit trends from the March 2026 Market Pulse. See how Millennials' debt is surging, why consumer debt is outpacing [...]

Webinar
Data-Driven Marketing The $84 Trillion Tidal Wave: Navigating the Great Wealth Transfer

Don't let the $84T Great Wealth Transfer pass you by. Learn data-driven strategies for financial institutions to retain heirs and capture ne [...]

Identity & Fraud Breaking the Code: How Criminals Use AI to Simplify Fraud and How to Fight It

See how criminals leverage AI to simplify and scale fraud schemes like promo abuse, card testing, and synthetic identity creation. Learn how [...]

Market Trends The Upper Arm of the K-Shaped Economy: A Closer Look at Today’s Thrivers

Explore the "upper arm" of the K-shaped economy, the Thrivers, and the three distinct subgroups—Legacy, Newly Upwardly Mobile, and Strugglin [...]

Consumer Credit A Conversation on the Credit Scoring Ecosystem with Equifax and Array

Equifax and Array discuss the credit scoring ecosystem: moving from history to empowerment. Debunk credit myths and see how embedded finance [...]

Consumer Credit The Synergy of Data and Agility: Winning the Microsecond Decisioning Challenge in Financial Services

Discover how Equifax and Zoot combine unique data and agile technology to redefine the customer lifecycle and enable microsecond decisioning [...]

Credit Risk Lending Smarter: Why Financial Capacity is the Missing Dimension in Credit Risk

Stop relying on backward-looking credit scores. Learn how Equifax's Consumer Affordability View predicts a consumer's dollar-amount repaymen [...]

Market Trends The K-Shaped Economy in 2026: Understanding What It Is and What It Means For You Now

Understand the K-Shaped Economy in 2026. Discover how the widening wealth gap affects consumer spending, lending strategies, and business ri [...]

Market Trends Macroeconomic Headwinds & Opportunities in the Mortgage Market: A Recap of the February 2026 Market Pulse

Navigate mortgage market headwinds: The February 2026 Market Pulse covers K-shaped economy, rising 'all-in' costs, VantageScore 4.0, and str [...]

Webinar
Market Trends February 2026 Consumer Pulse: The Latest Consumer Credit Trends

Get the latest consumer credit trends from Equifax's February 2026 Market Pulse. See key changes in consumer debt, originations, and delinqu [...]

Webinar
Identity & Fraud The AI Fraud Arms Race: New Strategies for Detecting Synthetic Identity and Sophisticated Attacks

The AI fraud arms race is accelerating. Discover how fraudsters use sophisticated AI for synthetic identity attacks and learn new, machine l [...]

Market Trends 5 Years Of Market Pulse Insights: How Has Consumer Credit Changed Since 2020?

Explore the 5-year evolution of consumer credit, from the hidden risk of 2020 to today's K-shaped economy. Learn how lenders must adapt with [...]

Market Trends Market Pulse Q&A: Experts Answer Your Top Questions on Consumer Credit, Auto Lending, and More

Expert analysis on 2026 consumer credit, auto lending, and economic trends. Discover insights on delinquency, tax refunds, and credit risk m [...]

Webinar
Market Trends Balancing Growth and Efficiency: What Industry Leaders Say About Operational Challenges and Key Market Segments in 2026

Industry leaders share their insights on balancing growth and efficiency, navigating shifting customer expectations, and addressing top oper [...]

Market Trends Checking on the Market: Economic Insights from January’s Market Pulse

Unpack the key economic and credit trends from the January 2026 Market Pulse. Learn about the K-shaped consumer, AI's growth engine, and aut [...]

Webinar
Market Trends January 2026 Consumer Pulse: The Latest Consumer Credit Trends

Discover the latest January 2026 consumer credit trends, including shifting debt levels, auto industry growth, and regional financial health [...]

Webinar
Market Trends What Does the Latest Market Pulse Index Say About the Widening Wealth Gap and Gen Z's Financial Momentum in 2026?

Explore the Q3 2025 Market Pulse Index findings on the widening wealth gap, Gen Z's rising financial momentum, and why multidimensional risk [...]

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Market Trends Digital, Identity, and AI: What Industry Leaders are Prioritizing (and Watching) in 2026

Discover the top 2026 strategic priorities for industry leaders, from AI and digital lending to identity verification and evolving regulator [...]

Market Trends Today’s Biggest Market Challenges - According to You

Market leaders share Q4 Market Pulse insights on 2026 challenges: mortgage affordability, rising delinquencies, and the future of AI in risk [...]

Market Trends Year in Review: Key Economic Trends from 2025 and What We’re Watching in 2026

Equifax Advisors review 2025 economic trends: the K-shaped economy, AI, Fed rate cuts, and rising consumer stress. See 2026 predictions.

Podcast
Market Trends What Do Industry Leaders Think Are the Top Risks in 2026?: Affordability, Interest Rates, and Fraud Lead the Way

Get key insights from our Market Pulse survey on the top macroeconomic risks for 2026: affordability, rising interest rates, and fraud.

Prospecting Optimizing Engagement for Pipeline Growth: 4 Considerations for Marketers

Drive pipeline growth in financial services. Learn the 4 key considerations for marketers: conversion quality, data curation, performance cl [...]

Market Trends How AI and the Economy Are Shaping Risk, Security, and Business Strategy in 2025 and Beyond

Learn how AI and economic uncertainty are converging to reshape risk, security, and competitive strategy. Get the top 10 insights for 2025.

Webinar
Consumer Credit December 2025 Consumer Pulse: The Latest Consumer Credit Trends

Get the latest consumer credit trends for December 2025 from Market Pulse. See key insights on rising originations, climbing consumer debt, [...]

Webinar
Identity & Fraud Synthetic Identity Fraud: The Unseen Threat and Its Cost to Businesses

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 [...]

Resource
Commercial Business Rethinking Small Business Lending: How Trust and Speed are Reshaping the Future

Small businesses need a lender who understands their urgency. Learn how new technology, next-gen scores, and AI are building trust and speed [...]

Market Trends November Market Pulse Q&A: Experts Answer Your Questions on the Latest Trends to Know as the Year Ends

Discover expert answers on the economic outlook, including downturn odds, AI stock valuations, and the impact of the $38 trillion U.S. natio [...]

Resource
Consumer Credit November 2025 Consumer Pulse: The Latest Consumer Credit Trends

Get the latest November 2025 Consumer Pulse insights on credit trends, outstanding debt, and delinquencies through September 2025 to prepare [...]

Webinar
Market Trends Holiday Spending Trends: How 2025 is Shaping Up

See how US consumer holiday spending is changing in 2025. Uncertainty and rising prices are shifting priorities to essential goods.

Webinar
Identity & Fraud Account Takeover (ATO) Fraud: Understanding the Impact and How to Protect Your Business

Learn about the worrisome rise of Account Takeover (ATO) fraud, its devastating impact on businesses and consumers, and three best practices [...]

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Alternative Data Accelerating Data Access and Adoption for a New Growth Horizon

Discover how leading lenders, data, and technology partners are accelerating data access and adoption to create resilient lending partnershi [...]

Credit Risk How Alternative Data Can Power Better Alternative Finance Lending

Power better lending with alternative data. See how Equifax's OneScore for Alternative Finance uses advanced data and AI to boost approvals [...]

Identity & Fraud The Shifting Landscape of Digital Fraud: Why Mobile is the New Battleground

Mobile fraud is on the rise. Learn why fraudsters are targeting mobile transactions and discover strategies to strengthen your digital fraud [...]

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Market Trends Auto Lending in 2025: What’s Really Going On? 6 Trends to Know Now

Discover the latest auto loan trends in 2025: from rising loan amounts and lender shifts to subprime lending and refinancing opportunities.

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Market Trends October 2025 Market Pulse: Macroeconomic Trends and Mortgage Industry Shifts

Gain insights into October 2025's macroeconomic trends, consumer sentiment, and the impact of VantageScore 4.0 on the mortgage industry.

Webinar
Consumer Credit October 2025 Consumer Credit: The Current Trends

Stay ahead with the latest consumer credit trends. Discover key insights on originations, debt, and delinquencies from the October 2025 Mark [...]

Webinar
Alternative Data Unlocking Financial Opportunity: How Alternative Data Transforms Customer Experiences

Unlock financial opportunities and transform customer experiences with alternative data. Discover how new data sources combine with traditio [...]

Resource
Market Trends Measuring the Pulse of Consumers: Inside the New Market Pulse Index with the Equifax Advisors

Navigate economic uncertainty with the new Market Pulse Index. Equifax Advisors discuss consumer financial health, inflation, and K-shaped d [...]

Podcast
Market Trends The Market Pulse Index: Unpacking Consumer Financial Health and Generational Divides in the First Half of 2025

Unpack consumer financial health & generational divides with the Market Pulse Index. Discover key insights for strategic planning in a K-sha [...]

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Consumer Credit Unlocking New Opportunities: The Power of VantageScore 4.0 for Lenders

Unlock new lending opportunities with VantageScore 4.0. Discover how trended and alternative data expand credit access and refine risk asses [...]

Market Trends Q3 Market Pulse: Business Leaders on the State of the Economy, Fraud, and the Mortgage Industry in Q3 2025

Gain key insights into the Q3 2025 economy from the Market Pulse webinar audience, from consumer spending and lending trends to fraud and th [...]

Webinar
Market Trends September Market Pulse Q&A: Experts on Housing Affordability and Economic Shifts

Gain expert insights on potential economic impacts, housing affordability challenges, and market trends from our September Market Pulse Q&A.

Webinar
Consumer Credit September 2025 Consumer Credit Pulse: The Current Trends

Stay ahead of consumer credit trends with insights from Equifax. Explore rising debt, shifting delinquencies, and the growing fraud industry [...]

Webinar
Market Trends Industry Insights: Ten Things to Know From September’s Market Pulse Webinar

Stay ahead of economic shifts! Discover 6 macroeconomic trends and 4 mortgage industry themes from the September 2025 Market Pulse webinar.

Webinar
Identity & Fraud What to Know About the Growing Threat of Synthetic Identity Fraud

The growing threat of synthetic identity fraud accounts for 50-70% of credit fraud losses. Learn how to prevent it and protect your business [...]

Market Trends Q&A: What Lenders Need to Know About a Fast-Changing Regulatory Landscape

Navigate the fast-changing regulatory landscape in lending with insights from Equifax's Market Pulse podcast. Learn about new regulations, e [...]

Podcast
Data-Driven Marketing Alternative Data: Revolutionizing Financial Marketing For Business Growth

Unlock financial growth by leveraging alternative data to create personalized experiences and reach credit-invisible consumers. Improve mark [...]

Resource
Market Trends August Market Pulse Q&A: Your Top Questions on Student Loans & Fraud Answered

Get expert answers on student loan reclassification and credit washing fraud from the August Market Pulse Q&A. Stay informed!

Webinar
Market Trends What’s on Lenders’ Minds in 2025? A Conversation with Equifax Advisors

Discover what's on lenders' minds in 2025: student loans, trade uncertainty, & auto lending. Get insights from Equifax Advisors.

Podcast
Consumer Credit August 2025 Consumer Credit Pulse: The Current Trends

Stay current on consumer credit trends with August 2025 Market Pulse insights, covering originations, debt, delinquencies, and fraud.

Webinar
Market Trends August 2025 Market Pulse: What You Need to Know Now About Market Trends & Fighting Fraud

Learn top economic trends and how to fight fraud in the auto industry. Get key insights from the August 2025 Market Pulse webinar.

Webinar
Alternative Data How Is Alternative Data Powering the Future of Lending?

Discover how alternative data is transforming lending, creating personal experiences & stronger loyalty for financial institutions.

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Alternative Data Unlock Smarter Lending with Open Banking

Unlock smarter lending decisions with open banking. Learn how Equifax solutions leverage bank transaction data to increase approvals and imp [...]

Market Trends July Market Pulse Q&A: Answering Your Questions on Student Loans, Credit Cards, Economic Shifts, and More

Get answers to your questions on student loans, credit cards, and economic shifts from the July Market Pulse webinar experts.

Webinar
Market Trends The K-Shaped Economy: What It Means in 2025 and How We Got Here

Unpack the K-shaped economy of 2025. Discover how it affects different generations and learn how to adapt your financial strategy accordingl [...]

Alternative Data 3 Simple Ways to Boost Account Opening with Alternative Data

Boost account opening and understand more customers with alternative data. Unlock new opportunities and make smarter lending decisions.

Market Trends July 2025 Market Pulse: Key Takeaways and Trends You Need to Know Now

Unpack key U.S. economic shifts in July 2025. Discover 5 top takeaways and 3 emerging trends impacting businesses and consumers this year.

Webinar
Consumer Credit July 2025 Consumer Credit Pulse: The Current Trends

Gain key insights from the July 2025 Market Pulse webinar on current consumer credit trends, including originations, debt, and delinquencies [...]

Webinar
Market Trends Hard Data vs. Soft Warnings: What the Latest Economic Signals Reveal About U.S. Consumers in the Second Half of 2025

Explore what hard data and soft warnings reveal about U.S. consumers in the second half of 2025. Dive into credit performance, employment, a [...]

Podcast
Market Trends From State Capitols to D.C.: Four Key Legislative Trends During the First Six Months of 2025

Stay informed on first half of 2025 legislative trends: economic factors, consumer data, AI, and medical debt. Get key insights for business [...]

Market Trends We Asked, You Answered: 5 Key Trends for H2 2025

Discover 5 key trends for H2 2025 from Equifax's Q2 Market Pulse webinars, covering economic uncertainty, AI in fintech, and strategic plann [...]

Credit Risk Unlock Growth and Mitigate Risk: Optimizing Consumer Loan Decisions with Data

Optimize consumer loan decisions with data. Unlock growth and mitigate risk by refining lending policies, analyzing historical data, and lev [...]

Consumer Credit Insight Recap: Top 9 Takeaways from the First Half of 2025

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 [...]

Commercial Business 5 Reasons Why Technology Partners Should Integrate Data And Analytics Into Their Commercial Lending Solutions

Unlock commercial lending success. Integrate data and analytics to validate businesses, assess risk, boost cash flow insights, and accelerat [...]

Market Trends June 2025 Market Pulse: 5 Market Trends You Need to Know Now

Understand June 2025's 5 key market trends: rising prices, economic uncertainty, slowing labor growth, falling consumer sentiment, and low s [...]

Webinar
Alternative Data FAQ: What is Open Banking?

Discover how open banking is revolutionizing lending, offering more accurate risk assessments and expanding financial inclusion through cons [...]

Consumer Credit June 2025 Consumer Credit: Trends at a Glance

Get a snapshot of June 2025 consumer credit trends, including originations, outstanding debt, and delinquencies, with insights from Equifax.

Webinar
Alternative Data Leveling Up: How Alternative Data Reveals Deeper Customer Insights

Unlock deeper customer insights with alternative data. Learn how it helps lenders make smarter decisions, balance growth, and reduce risk.

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Market Trends Market Pulse Check: A Midyear Look at the U.S. Economy

Stay informed on the evolving U.S. economy. This blog, based on the Market Pulse podcast, explores shifting economic trends, consumer behavi [...]

Podcast
Account Management Supporting Their Financial Best: How To Help Your Members And Customers Achieve Their Credit Goals

AI-powered credit score improvement for members. Enhance engagement, cross-sell, and build loyalty with personalized financial guidance tool [...]

Prospecting Power New Loan Growth With Better Marketing Precision

Boost loan growth with targeted marketing. Discover how to find in-market credit seekers and deliver offers at the right time for maximum im [...]

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Commercial Business Beyond Credit Scores: Using the Power of Alternative Data to Assess Commercial Credit Risk

Using the power of alternative data to assess commercial credit risk beyond traditional credit scores.

Identity & Fraud Preventing Fraud Through Customer Onboarding Optimization: 10 Key Insights

10 fraud prevention strategies for lenders in 2025. Learn how to optimize customer onboarding and detect sophisticated digital fraud.

Webinar
Market Trends May 2025 Consumer Credit: Trends at a Glance

Explore May 2025 consumer credit trends. Insights on originations, debt, utilization, & delinquencies. Stay informed with Equifax Market Pul [...]

Webinar
Market Trends May 2025 Economic Update: Top 9 Takeaways You Need to Know Now

May 2025 economic update: Get top 9 takeaways on market trends, stock losses, consumer spending, and economic uncertainty. Read the latest i [...]

Webinar
Identity & Fraud Fighting Fraud: Two Real-World Scenarios And Solutions

Protect against synthetic & true name fraud. Learn key solutions like identity verification, MFA, & predictive modeling. Stop fraud losses n [...]

Alternative Data Young People Are Entering the Credit World: Here’s How to Approve More Gen Z With Alternative Data

Help more Gen Z borrowers get approved using alternative data. Learn how to expand credit access & reduce risk for lenders.

Market Trends April 2025 Market Pulse Recap: Expert Answers on Inflation & Economic Outlook

April 2025 Market Pulse Q&A: Economic experts discuss inflation, stagflation, and their impact on various consumer markets.

Market Trends Key Economic Trends: April 2025 Macroeconomic Update

Macroeconomic trends April 2025: Consumer sentiment, wealth effect, economic risks, and labor market analysis. Key insights from the Equifax [...]

Webinar
Credit Risk The Cloud Advantage: How to Amplify the Competitive Power of Differentiated Data

Unlock business growth with Equifax differentiated data on Google Cloud. Gain real-time insights, improve risk management, and drive innovat [...]

Consumer Credit April 2025 Consumer Credit: Trends at a Glance

April 2025 consumer credit trends: Key insights on mortgages, debt, and loans. Get the latest analysis.

Webinar
Credit Risk 4 Ways Data-driven Solution Integrations Can Optimize New Account Openings

Streamline account openings with data-driven solutions. Enhance risk assessment, fraud prevention, and compliance.

Market Trends How Policy and Sentiment Are Reshaping the Economic Outlook

Editor's Note: This podcast episode was recorded on April 16, 2025. In the latest episode of the Market Pulse [...]

Podcast
Commercial Business Small Business Lending in a Time of Uncertainty: Navigating Headwinds and Hidden Opportunities

Navigate small business lending uncertainty in 2025. Explore market trends, economic insights, and strategies for growth.

Resource
Market Trends What’s on Your Minds: Growth, Gen Z, and Getting It Right in a Tough Market

Navigate today's uncertain market and discover key insights from Equifax Market Pulse, including Gen Z strategies, growth challenges in a sh [...]

Credit Risk Don’t Miss New Opportunities - How You Can Quickly Spot Shifts in the Lending Economy

Uncover the impact of macro lending trends on your strategy. Track recent lending activity to refine and optimize your origination efforts f [...]

Consumer Credit Adapting in Today’s Market: Fraud and the Growth of Alternative Finance

Understand fraud trends & the rise of alternative finance in today's dynamic market. Learn how economic shifts impact lending and adapt your [...]

Video
Alternative Data Rethinking Credit: Adapting to Today’s Lending Technology

Evolving credit: Discover how new data sources & tech are reshaping lending. Learn about alternative data, risk assessment & the future of f [...]

Alternative Data Driving Growth: A Trusted Leader in Alternative Data Solutions

For lenders, using alternative data is becoming increasingly crucial to stay ahead and drive growth in this rapidly changing market.&nbs [...]

Alternative Data From Alternative to Imperative: 5 Reasons Why Alternative Data Is the Key to Growth

In today’s fast-paced lending environment, traditional credit scores and financial statements may not tell the full story. In fact, 76 [...]

Market Trends Market Pulse Q&A: Economists On Inflation, Consumer Spending and More

The opinions, estimates, and forecasts presented herein are for general information use only. This material is based upon information th [...]

Webinar
Alternative Data Beyond Prediction: The Power of Generative AI in Modern Lending

The world of artificial intelligence is evolving at a dizzying pace. While traditional machine learning has long been a valuable tool for [...]

Market Trends Wealth Effect & Market Growth: Key Takeaways from March 2025 Market Pulse Webinar

The opinions, estimates, and forecasts presented herein are for general information use only. This material is based upon information th [...]

Webinar
Market Trends Expert Insights: Decoding Economic Trends and Effects

For our March Market Pulse webinar, an all-star economist panel, composed of Dr. Amy Crews Cutts, President and Chief Economist at AC Cutts [...]

Webinar
Consumer Credit March 2025 Consumer Credit: Trends at a Glance

The March Market Pulse webinar showcased insights from Senior Equifax Advisor Maria Urtubey concerning current consumer credit trends. Whi [...]

Webinar
Data-Driven Marketing The Wealth Boom: Who's Really Winning?

According to IXI estimates, consumer wealth has grown by an incredible 247% since The Great Recession. That’s more than $47 trillion i [...]

Credit Risk Three Reasons Why an Updated Income Model Can Help You Make Better Business Decisions

Many lenders frequently use income estimates to help inform their decisions. For example, income estimates are often used to help evalua [...]

Resource
Consumer Credit Credit Freezes and Lending: Navigating the New Normal

In today's digital age, consumers are increasingly conscious of their credit security. Credit freezes and locks have become popular tools [...]

Alternative Data FAQ: What is Alternative Data?

As consumers and businesses struggle to recover from job losses and declining sales, alternative data plays an increasingly important part i [...]

Alternative Data Expanding Lending Horizons: Leveraging Alternative Data for Better Insights

While the world of consumer credit continues to evolve with the advent of newer forms of financing like fintech lending and Buy Now Pay [...]

Market Trends In the Aftermath: Understanding Natural Disasters’ Impact on the Economy

Natural disasters like wildfires, hurricanes, and floods can leave lasting effects on individuals and communities. These events disrupt [...]

Market Trends Bracing for Impact: Navigating the Shifting Tides of Student Loan Repayment

The landscape of consumer credit is undergoing a significant transformation, largely driven by the resumption of federal student loan de [...]

Webinar
Market Trends Expert Q&A: Inflation, Tariffs, and the U.S. Labor Market

Both before and during each Market Pulse webinar, our audience submits their burning questions to our expert panelists, some of which we [...]

Webinar
Consumer Credit February 2025 Key Consumer Credit Insights

The February Market Pulse webinar showcased insights from Equifax Risk Advisor Tom O’Neill concerning current consumer credit trends. [...]

Webinar
Market Trends Economic Update: Insights for 2025

During our February 2025 Market Pulse webinar, our panelists discussed the impact of student loan debt on the economy.  To op [...]

Webinar
Alternative Data Navigating Risk and Growth: How Data is Reshaping Account Opening in 2025

In Q4 2024, over 300 frequent viewers of the monthly Market Pulse webinar offered by Equifax provided insights into how their organiza [...]

Market Trends Economic Outlook 2025: Inflation, Jobs, and Market Trends

2025 Economic Outlook: Inflation and jobs discussed on the Market Pulse podcast with Moody's Analytics economist.

Podcast
Market Trends Insurance, Gen Z, Credit Freezes: Your Questions Answered

Both before and during each Market Pulse webinar, our audience submits their burning questions to our expert panelists, some of which we [...]

Webinar
Identity & Fraud The Rising Tide of Fraud: A Challenge for Banks

The banking industry is facing a growing fraud problem, fueled by the rapid shift towards digital account opening and transactions. A [...]

Consumer Credit Five Ways Gen Z is Shaping the Future of Credit and Financial Behavior

As personalized experiences become increasingly vital, businesses face a significant opportunity — and challenge — in meeting the unique [...]

Webinar
Consumer Credit January 2025 Key Consumer Credit Insights

During our first Market Pulse webinar of the year, Equifax Advisor Dave Sojka explained current consumer credit trends as we head into [...]

Webinar
Market Trends Interest Rates to Inflation: Key Economic Trends for 2025

Key economic trends for 2025: interest rates, inflation, and consumer spending are analyzed to understand the current state of the economy a [...]

Webinar
Market Trends Look Out: Three Biggest Headwinds Consumers Could Face in Q1 2025

As we head into 2025, businesses are keenly watching consumer behavior and economic trends to inform their marketing and operations stra [...]

Market Trends 2025 Market Outlook: Analyzing Potential Policy Impacts

In our December 2024 Market Pulse webinar, Dr. Robert Wescott of Wescott Strategic Advisors presented a macroeconomic update that focu [...]

Market Trends Predictions for 2025: Navigating Economic Shifts and Challenges

The latest episode of the Equifax Market Pulse Podcast set the stage for 2025 by examining key economic themes, predictions, and challen [...]

Podcast
Market Trends FAQ: What is Inflation?

What is inflation & how does it affect you? Learn about rising prices, impacts on savings & wages, & predictions for 2025.

Market Trends Ask the Experts: Consumer Trends, Auto Sales, and Cryptocurrency Data

For our December Market Pulse webinar, our panel included Mike Spriggs, Head of Consumer Insights at Fiserv, and Jesse Hardin, Risk Advisor [...]

Webinar
Consumer Credit December 2024 Key Consumer Credit Insights

In the December 2024 Market Pulse Webinar, our panelists shared the takeaways from 2024’s economic outcomes. For a recap of that informa [...]

Webinar
Market Trends What Did We Learn from 2024’s Economic Outcomes?

During the December Market Pulse webinar, our panelists analyzed 2024 economic outcomes.  Wescott Strategic Advisors Presi [...]

Webinar
Market Trends 2024 in Review: Economic Trends, Challenges, and Predictions

In the latest episode of the Market Pulse Podcast, the USIS Equifax Advisors -- Em Aliff, Tom O’Neill, Dave Sojka, Maria Urtubey a [...]

Podcast
Commercial Business How New Technology Can Unlock Possibilities for Small Business Lending

Small and medium-sized business (SMB) lending has undergone a transformation in recent years, thanks in large part to advancements in te [...]

Commercial Business Fuel Your Clients' Success with Differentiated B2B Marketing Solutions

Become a valued small business partner by empowering SMBs with the data and solutions they need to be successful

Consumer Credit The Experts Answer Your Questions on Inflation, Housing Prices, and More

Both before and during each Market Pulse webinar, our audience submits their burning questions to our expert speakers. For our November [...]

Consumer Credit November 2024 Key Consumer Credit Insights

In the November 2024 Market Pulse Webinar, our panelists discussed real-world impacts of global economic trends. For a recap of that i [...]

Consumer Credit What Are the Real-World Impacts of Global Economic Trends?

During the November Market Pulse webinar, our panelists analyzed 2024 global economic trends.  AC Cutts & Associates Pres [...]

Deposit Growth How Lenders Can Grow and Protect Their Deposits in a Competitive Market

The pressure on financial institutions to grow and protect deposits has been a major topic of interest for the past couple of years, and [...]

Commercial Business Expanding Opportunity and Access in Small Business Lending with New Technology

Small- and medium-sized business (SMB) lending has evolved in recent years, thanks in large part to advancements in technology. Innovation [...]

Market Trends Layoffs, Delinquencies, and Tariffs: Your Questions, Answered By The Experts

During each Market Pulse webinar, our audience submits questions in real time to our expert speakers. For our October Market Pulse webin [...]

Market Trends What Does 2024 Year-End Planning Look Like?

In the October 2024 Market Pulse Webinar, our panelists discussed how the end of 2024 is shaping up.  Keybridge Research LLC [...]

Data-Driven Marketing New Tools for Credit Unions and Banks to Assess the Health of their Lending Portfolio

New tool for credit unions and banks to spot opportunities and risks in their lending portfolio

Resource
Market Trends How the Fed’s Interest Rate Cuts are Impacting Consumers and Lenders

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 [...]

Podcast
Market Trends Beyond the Headlines: How Fed News Influences an Economic Ripple Effect

In the September 2024 Market Pulse webinar, our panelists had a lively discussion about several end-of-year topics, including how stud [...]

Webinar
Credit Risk How Alternative Finance Lenders Can Make Better Lending Decisions with a Single Score

Our experts, Anna Fisher, Vice President, Alternative Finance, and David Sojka, Risk Advisor, discuss the AltFi space and how alternative [...]

Alternative Data How Alternative Data Can Help You Navigate Current Market Trends

Unleash the power of alternative data to revolutionize lending in 2024. Discover how lenders are leveraging non-traditional insights to make [...]

Resource
Credit Risk How Lenders Can Take Advantage of Open Banking

Lenders can take advantage of bank transaction data with new automated cash flow underwriting solutions for loan underwriting.

Data-Driven Marketing Using Alternative Data in a K-Shaped Economy: Strategies for Lenders

Discover how alternative data is transforming lending in a K-shaped economy. Learn about key market trends impacting consumers and how lende [...]

Market Trends Economic Insights: Interest Rates, Fed Actions, and Global Impact

As the Federal Reserve prepares to start cutting its key interest rate from its current 23-year high, and a U.S. president [...]

Market Trends Auto Loan Delinquencies and Fraud on the Rise: What You Need to Know

In the world of auto lending, trends and statistics reveal important shifts in how different types of lenders are faring. Here is an ove [...]

Data-Driven Marketing Consumer Wealth Tops $60T! How to Drive Deposit Growth and Expand Share of Wallet

Drive deposit growth and grow share of wallet with insight on U.S. consumer wealth trends.

Credit Risk How Credit Unions Can Address Rising Auto Loan Delinquencies

It’s no secret that auto affordability remains an issue for consumers. High auto prices and high interest rates are an ongoing challenge [...]

Identity & Fraud What’s on the Horizon for Battling Fraud and Reducing Risk?

The July 2024 Market Pulse webinar discussed recent trends around fraud, best practices for reducing overall fraud risk, consumer behavi [...]

Webinar
Market Trends Unpacking the Latest Trends in Consumer Credit and Delinquency

Since the Market Pulse webinar is so dynamic, we want to ensure you do not miss one observation. Below, we recap consumer credit trends [...]

Webinar
Market Trends Interest Rates, Inflation, and the Economy: July Market Pulse Webinar Roundup

The July 2024 Market Pulse webinar discussed: recent trends around fraud,  best practices for redu [...]

Webinar
Credit Risk The New Normal: June Auto Data and Implications for Lenders

The New Normal The automotive industry is in radical transformation. Who will succeed? The automotive industry’s success depend [...]

Credit Risk Insights on Consumer Credit Risk and the K-Shaped Recovery

  In the latest episode of the Market Pulse podcast, the Equifax Risk Advisors team delves into the current eco [...]

Podcast
Data-Driven Marketing Seeking to Find New Lending Audiences? Try Alternative Data

Lenders, how satisfied are you with your approach to prescreen targeting? Do your prescreen campaigns reach fresh audiences? Or are you [...]

Credit Risk Leveraging Consumer Data for Strategic Decisioning

During our Market Pulse webinars, our audience submit questions each month to our expert panel. For our June Market Pulse webinar our pane [...]

Webinar
Credit Risk What are Multi-Bureau Attributes?

Model efficiency and performance is the key  Any company that leverages credit data from multiple credit bureaus is likely fami [...]

Credit Risk Auto Insights: How to Move Forward Given Current Trends

In the ever-evolving landscape of auto financing, a multitude of factors shape market dynamics. From shifts in lender strategies to chan [...]

Commercial Business Inflation, Consumer Spending, and Stagflation: Insights for Small Businesses

In June’s Small Business Indices, we focused on consumer spending and its implications for the overall economy. In this blog, we will shar [...]

Credit Risk Understanding Current Auto Loan Trends: A Look at the Numbers

Published in May 2024, our U.S. National Consumer Credit Trends Report on Originations¹ provides trends in auto loans, leases, and dee [...]

Account Management How to Elevate Your Account Management Practices

Consumers' financial stability is an always shifting landscape. This is influenced by factors like job changes, inflation, and economic [...]

Credit Risk How to Predict Bankruptcy Risk and Help Safeguard Your Lending Portfolio

The current dynamic economic landscape presents a complex challenge for lenders. They have relied on traditional credit scores to assess [...]

Credit Risk 3 Ways to Improve Operational Efficiency While Boosting Access to Credit

Unleash the power of Equifax alternative data and AI-powered risk decisioning from Provenir As a financial services provider, you [...]

Data-Driven Marketing 6 Strategies to Maximize Deposits for Financial Growth

We live in a complex world of finance where every dollar counts. That is why understanding deposit dynamics is key to unlocking growth o [...]

Credit Risk Navigating Economic Crossroads: Insights from Market Pulse Webinar

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 [...]

Webinar
Commercial Business Unlock Entrepreneurship: 3 Ways Lenders Can Support Small Business

Small businesses are the backbone of the American economy. They play an important role in job creation and economic growth.¹ Over 99% of [...]

Credit Risk Economic Insights on Credit and Affordability

The March Market Pulse webinar resonated deeply with our audience. It delved into the complexities of affordability and its effects o [...]

Podcast
Commercial Business Understanding the Economic Landscape for Small Businesses

In recent months, the U.S. economy has been navigating various challenges, affecting both big and small players alike. Let's take a clos [...]

Commercial Business 2024 Small Business Trends: Default & Delinquency

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 [...]

Commercial Business Small Business Optimism in a Recovering Economy: Navigating Forward

The market is continuing to move.  Small businesses are often the first to react to economic fluctuations. Although, even with careful m [...]

Market Trends Unraveling the Impact of Interest Rates on the Economy

  The economy has made progress, but inflation is still too high. Federal Reserve Chairman Jerome Powell said on April [...]

Podcast
Commercial Business Small Businesses: The Lifeblood of the American Economy

The 2024 financial market leaves many in a state of uncertainty except for a certain bright spot: small businesses. This Small Bus [...]

Commercial Business From Strain to Resilience: Small Business Strategies for 2024

In 2023, the landscape was tumultuous. American small businesses, lenders, and service providers faced many challenges. These included s [...]

Commercial Business Regional Trends to Watch: Small Business Credit Quality by U.S. Population

In recognition of Small Business Week, we’d like to introduce the new 2024 Market Trends and Predictions Report focusing on the curr [...]

Commercial Business Small Business Focus: Commercial Hurdles in Today’s Economic Environment

We are excited to be celebrating small business week (April 28 - May 4)! In the April 2024 Market Pulse webinar, we discussed d [...]

Prospecting 3 Tips for Lenders to Modernize Their Prospecting

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.& [...]

Commercial Business Answering Your Questions on Current Commercial Challenges

On our April 18 Market Pulse webinar, our experts talked about the roadblocks that business [...]

Commercial Business Exploring Economic Trends: A Deep Dive into Recent Small Business Lending Data

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 [...]

Commercial Business Small Business Resurgence: Insights and Trends for the Year Ahead

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 [...]

Commercial Business Regional Trends: Small Business Delinquency Index Predictions for 2024

33.3 million businesses in the United States qualify as small businesses. 1 In recognition of Small Business Month, we produced [...]

Data-Driven Marketing Auto Loans at Credit Unions: 3 Surprises, 3 Risks, 3 Opportunities

Credit unions are becoming increasingly popular for auto loan financing. While there are a few surprises, we've noticed a few auto loan tren [...]

Commercial Business Navigating the Ever-Changing Small Business Landscape

When it comes to the small business landscape the one thing we generally all agree on is this is a time [...]

Market Trends Inflation, Delinquencies and Economic Polarization

  Inflation is having a broad impact on U.S. households. In the latest Market Pulse podcast, Jeff Richardson, SVP of Mar [...]

Podcast
Credit Risk A Day in the Life of a Risk Professional

  Risk management is a multifaceted field that remains an enigma to many. In the latest episode of the Market Pulse podc [...]

Podcast
Market Trends Q1 Check-In: Align Goals in a K-Shaped Economy

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. [...]

Webinar
Credit Risk Revving Up: Essential Strategies for Succeeding in the Evolving Auto Market of 2024

Shift into high gear In our energetic February 2024 Market Pulse webinar, our experts presented a roadmap for driving success [...]

Webinar
Market Trends FAQ: What is a K-Shaped Economy?

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 [...]

Account Management 4 Ways Credit Unions Can Use Technology to Boost Members’ Credit Health

When credit unions talk to their members, they likely hear that financial anxiety is a common theme. After all, members are faced with a [...]

Credit Risk Understanding Affordability in Terms of 2024 Market Trends

Our January Market Pulse webinar discussed all aspects of affordability in our current financial market. Our experts shared their deep k [...]

Webinar
Market Trends Navigating the Affordability Landscape in 2024

  Affordability is a buzzword that echoes through the economic landscape. In episode 37 of the Market Pulse podcast, Equifax [...]

Podcast
Market Trends Unlocking Opportunities: Smart Lending in the K-shaped Economy of 2024

2024 opens in a K-shaped economy. In this environment, consumer budgetary pressures look different for each population segment. Lenders [...]

Market Trends How Lenders Can Harness Alternative Data to Help Overcome Today’s Economic Challenges

Increasing inflation, rising interest rates and stagnant incomes have made borrowing more expensive and meeting financial commitments more [...]

Identity & Fraud Two Sample Fraud Scenarios and Solutions for Combating Them

Editor's Note: As of May 15, 2025, this blog has been updated. For the updated information, please visit the updated version of this [...]