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For our February 10 Market Pulse webinar, we discussed Buy Now, Pay Later and their effect on consum [...]
As Buy Now, Pay Later (BNPL) transaction volumes continued to rise through the holiday season, one o [...]
We had an overwhelming attendance and response at this month’s Market Pulse webinar on the rising fi [...]
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During our July 28 Market Pulse webinar, our panel of experts discussed what lenders and Gen-Z should be doing during the current student lo [...]
Facing the problem
Homeownership is a primary wealth builder for most Americans. Sadly, there are still strong barriers for marginali [...]
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Powering the world with knowledge
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For our February 10 Market Pulse webinar, we discussed Buy Now, Pay Later and their effect on consumer credit scores, plus consumer credit t [...]
We had an overwhelming attendance and response at this month’s Market Pulse webinar on the rising financial service, Buy Now, Pay Later (BNP [...]
As Buy Now, Pay Later (BNPL) transaction volumes continued to rise through the holiday season, one of the most asked questions is, how does [...]
For our December 2 Market Pulse webinar, our panel of experts discussed the current and future state of the energy industry. This month’s pr [...]
Fireside chat with Just Energy
In our December 2 webinar, our moderator, Rissa Reddan, Demand Generation Leader of U.S. Information Solutio [...]
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 pres [...]
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. Digitization [...]
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Buying a home can be stressful and confusing — especially if a consumer is trying to learn about credit and how their credit score can impac [...]
The rate of change in the auto industry is accelerating. And it’s not powered by just one factor; it’s a complex mix of industry and societa [...]
This is a recap of our October 20 Small Business Insights webinar, where our very own Sarah Briscoe, Lead Commercial Statistical Analyst at [...]
This is a recap of our October 7 Market Pulse webinar, where we discussed the importance of credit unions in gaining access to credit. This [...]
Successful credit unions work hard to attract new members, strengthen existing member relationships, and give the community direct access to [...]
Small business continues to dominate news headlines. In this recap of our webinar, “Small Business Insights: August 2021,” Elaine Makdah, Se [...]
One-On-One Chat with CEO of Markaaz
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The economy is recovering and the outlook for small businesses is continuing to remain strong. Fintechs have started to step away from tradi [...]
Consumers and businesses need access to credit and lending to live and perform. Yet, 91.5 million consumers struggle to gain access to mains [...]
As the economy recovers the outlook for small businesses remains strong. Fintechs have started to step away from traditional credit data and [...]
The banking landscape is changing. Challenger banks, also known as neobanks, have taken off in popularity, especially since more people move [...]
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
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As most of the country opens back up, the Automotive Industry continues to see pent-up consumer demand, inventory shortages, and increases i [...]
At the Virtual Consumer Data Industry Association (CDIA) Law & Industry Conference on July 12-14 2021, Peter Maynard, Senior Vice Presid [...]
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In this recap of our June 24 webinar, “Market Pulse: Accelerating Access to Credit,” Chris Wheat, Co-President at JPMorgan Chase Institute; [...]
Demand Growing for Small Business Credit
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In this recap of our June 3 webinar, “Market Pulse: The Post-Pandemic Small Business Economy,” Evan Leaphart, Founder and CEO of Kiddie Kred [...]
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Light at the End of the Tunnel
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In this recap of our March 4 webinar, "Market Pulse: Return to Opportunity for Commercial Real Estate," Sarah Briscoe, senior statistical an [...]
Consumers maintain a tight grip on credit card spending in Q1 2021
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This is a recap of the March 4 webinar, Market Pulse: Return to Opportunity for Commercial Real Estate. We’re sharing key insights on the fu [...]
While the global pandemic continues to dramatically impact businesses, project managers and commercial real estate (CRE) professionals want [...]
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A new administration in 2021 brings many changes. For our February 4 Market Pulse webinar, our panel of experts discussed the potential [...]
In this recap of the January 14 webinar, Market Pulse: DC Power Shift, What's Next?, we share key insights from Amy Crews Cutts, Presid [...]
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We captured key insights from the January 14 webinar, Market Pulse: Planning in a K-Shaped Recovery, featuring Cris deRitis, Deputy Chi [...]
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The start of a new year holds both uncertainty and hope for an economic recovery. For our January 14 Market Pulse webinar, our panel of expe [...]
How will the latest political news and vaccine rollout impact holiday spending?
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This is a recap of the December 10 webinar, Market Pulse: Consumer Spending Trends and Expectations. We’re sharing key insights offered from [...]
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A Surge in COVID-19, Vaccine Expectations and Economic Stimulus
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The year 2020 has been turbulent economically across the globe, marked by the continued escalation of the COVID-19 pandemic. In the U.S., ec [...]
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 [...]
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This is part 1 of a 3-part series
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Car Buying Journey is Disjointed for Consumers
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BHPH Lenders Need Alternative View of Customers' Ability to Pay
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Why Proxy Model Explanations of Neural Networks Inevitably Fail
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The economic uncertainty caused by COVID-19 has impacted the automotive industry in complex ways. The entire auto ecosystem has been adaptin [...]
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As you may recall from my last post, we examined the impact accommodation could have on credit [...]
The Numbers Spark More Questions
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Ground-breaking modeling techniques fueled by machine learning and explainable artificial intelligence (xAI) are transforming the credit dec [...]
In this blog series, Equifax and expert guest speakers answer top of mind questions from attendees on the weekly Market Pulse Webinar Series [...]
Comparing Historic Patterns with Current Trends During Unprecedented Times
Great societal changes bring about big questions – and often, a [...]
It's a Priority to Stay Vigilant
Many of you are protecting workers by encouraging social distancing and providing work-from-home opti [...]
COVID-19 Has Made Phone, Pay TV and Internet Service Important to Our Quality of Life
In the past, expenses such as wireless phones, landli [...]
Did you know that 35% of U.S. households live in rental housing? It's true. 
But most renters’ on-time housing payments are not reflecte [...]
FICO recently announced that its new FICO® Score 10 T, set to be released this summer, will include trended data. With this new option [...]
Since the last U.S. recession in 2008, financial risk management has seen significant changes. Lending requirements are tighter, verificatio [...]
This question sounds absurd. But this is one of the most important questions lenders must ask themselves when making consumer credit decisi [...]
Digital Disruption Shifts Expectations
Credit unions are having to change how they interact with their members. Due to rapidly evolving t [...]
In recent weeks, you may have heard that the Current Expected Credit Loss accounting standard - the regulation known as CECL - has been dela [...]
Calibrating premium to risk is crucial to your business – and the business of daily life for your customers. What if improving accuracy also [...]
Insurers may face a conundrum when it comes to assessing a new policyholder’s prospective risk, especially if they lack a traditional credit [...]
The autumn air is crisp, and the delicious smells from the nearby Halal Guys cart are tempting my senses. It’s a perfect Monday morning in N [...]
Risk models eventually become less predictive or relevant due to evolving market conditions. New and improved versions routinely replace the [...]
Customer experience and customer growth go hand-in-hand. One way to improve your customer experience is to make better credit offers to more [...]
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 time [...]
Mobile Usage is Changing Member Experience
Did you know 88% of U.S. online adults now use a smartphone?[i] Living in an era of [...]
Aite Group Report: Consumer Lenders Anticipate Slowdown
If headlines have you wondering when a change in the credit cycle might occur - or [...]
Last week, top data and analytics experts from Equifax and around the world convened in Edinburgh, Scotland for Credit Scoring and Cr [...]
Discover Your Diamond Customers Among the Rough Fraudsters.
There is no doubt that today’s cybercriminals are dedicated to their jobs. When [...]
Lenders have historically used credit data to score consumers. But the problem with this approach is that it prevents lenders from seeing “c [...]
Market Conditions Ripe for More Consumer Lending
An improving economy means more people feel confident in their ability to pay back a per [...]
Equifax has developed Insight Score™ for Personal Loans, a risk score optimized to help lenders evaluate applicants seeking unsecu [...]
Equifax has recently extended its agreement with the Small Business Financial Exchange, but what exactly does that mean for customers? [...]
In today’s increasingly digital environment, it's important for property managers to know who the millennial renter is and how to reach them [...]
Financial institutions (banks, credit unions, etc.) can sideline disruption and achieve customer growth with better data util [...]
Today’s consumers have many choices. Go to the grocery store or have meals delivered? Cable, satellite or streaming service? Drive your car [...]
Many financial institutions are still evaluating their Current Expected Credit Loss (CECL) implementation strategy. With implementation dead [...]
A Two-step Authentication Approach
Consumers are always on the go, using digital devices to make purchases, check account balances and even [...]
In November, Equifax and Moody’s joined forces to recap the economic and credit trends of 2018 -- and look ahead to 2019. This is the second [...]
Current Expected Credit Loss (CECL) will require financial institutions to gather data from various sources. Based on conversation [...]
The future of consumer credit is bright. Advancements in risk decisioning, account acquisition and relationship management are transforming [...]
Lending and the Economy
While not its direct intent, the new current expected credit loss (CECL) standard could have a significant impact o [...]
Meet Credit Union Members Where They Want to Do Business.
It takes more than a “smile and a handshake” to develop a relationship with membe [...]
In this guest post, Wyatt Jefferies, Sr. Director of PR for Equifax, explores the underbanked consumer with Joshua Sledge, Director on the P [...]
Banks and lenders want to deliver broader financial inclusion that enables them to score and approve more customers. But they don't want to [...]
Credit card lending is still on fire. There have never been so many consumer choices for premium cards. They have exclusive names like The R [...]
Auto Dealers and Lenders Still Unclear on MLA
We all respect and value our service members, and what they do to protect our freedoms every [...]
By: John Giamalvo, VP, Dealer Services, Automotive Elements of the car shopping process have certainly moved upstream to the consumer over t [...]
Do you love the new machine learning techniques but still can’t wrap your head around how to explain your results?
Have y [...]
Data experts are excited about its potential
Algorithms. Logistic regression. Both tried and true analytical methods. Yet, as much as these [...]
Compliance with the Military Lending Act (MLA) may not be on the radar of many pawnbrokers, but it should be and here’s why. If you’re a paw [...]
Are you a financial institution looking to grow your commercial credit card business? Focusing on this market makes a lot of sense, es [...]
As a financial institution in an ever-changing landscape with fast-moving competitors, how do you grow your card and loan portfolios and pro [...]
Equifax recently announced that Westlake Financial, a privately held financial company that specializes in the acquisition and servicing of [...]
Today, the average car buyer spends nearly 70 percent of the total purchase process online, rapidly clicking their way to exactly what they [...]
Equifax BusinessConnect™ for Marketing Optimizes Sales to Current Customers
Upselling and cross-selling are easier said than done. To do it [...]
Get a Big Picture View of Small Businesses
Commercial payment performance data can help provide information on how a business is paying its [...]
How machine-learning technology can provide insights that drive growth with less risk
Soaring increases in computing volume and available d [...]
Many emerging technology solutions are so robust that it can be difficult to fully maximize their potential. However, Equifax likes a challe [...]
It’s official: siloes don’t work. That’s why Equifax designed BusinessConnect™ to align three important revenue functions—Sales, Credit and [...]
Better assess subprime opportunities by looking at data and attributes that are often more predictive than traditional credit scores
Most o [...]
Walk into almost any homeowners’ association (HOA) meeting, listen to the discussions about unleashed dogs and roof repairs, and you might t [...]
Recent mobile commerce trends are hinting at exponential market segment growth in the coming years. According to Goldman Sachs as published [...]
Young buyers represent significant risks and opportunity for dealerships. Their life situations and limited credit history calls for some fr [...]
If you're a VP of sales or marketing, or you head up the risk group in your auto lending organization, you're faced with the constant need t [...]
With housing values on the rise again, the home equity loan is back. Homeowners now have equity in their homes, and many are looking to tap [...]