Convergence of consumer and commercial fraud prevention

Discover where leading institutions are taking decisioning:

• Explores why intelligent decisioning is becoming a competitive advantage for financial institutions.
• Examines research on AI, data, governance and decision intelligence.
• Highlights common modernization challenges and practical strategies for improving decision outcomes.

Discover how lenders can strengthen prime portfolio performance by combining traditional credit risk strategies with first-party fraud analytics to identify hidden risk and improve early payment default detection.

Key insights:

• Traditional credit scores measure ability to repay but may not identify consumers with no intent to repay. 
• First-party fraud models can uncover hidden early payment default risk within prime portfolios and improve risk segmentation. 
• Research shows measurable lift in early delinquency detection and ROI when fraud analytics complement credit scoring.

A concise guide to simplifying business credit modeling with automation. Learn how microservices streamline validation, testing, and analysis to help relationship managers, credit analysts, and adjudicators reduce manual effort, improve risk visibility, and make faster, more confident lending decisions.

Credit card performance remains a key indicator of consumer financial health. Join Experian experts as they explore the latest credit card trends shaping 2026.

• Credit card balances, utilization, and payment behavior
• Delinquency and risk trends across consumer segments
• What lenders and businesses should watch in 2026