How to Prep for the Holiday Shopping Season 2026

The consumer credit market entered 2026 on stable footing, but rising uncertainty - from geopolitical conflict, energy costs, and interest rates - is reshaping the outlook for lenders and consumers alike. Explore what’s changing and what it means for your strategy.

• Delinquencies stabilizing, standards easing
  
• Rising costs pressuring consumer affordability
  
• New risks shaping lending growth outlook

Innovations in post-login fraud have exposed gaps in login defenses. How are leading businesses responding? Experts from TD Bank and Experian take a look at modern ATO attacks and scams — and how to stop them.

What you’ll learn:

• How fraudsters exploit vulnerabilities in login defenses
• The operating structure of a real-world ATO fraud ring
• Keys to stopping coordinated attacks in real time

This tip sheet explores where fraud can enter the customer lifecycle and how predictive fraud risk scores help distinguish fraud from true credit risk and help you:

• Reduce first-payment default and bust-out fraud
• Detect synthetic identities earlier
• Improve prescreen and campaign ROI
• Strengthen account management decisions

Learn how a multilayered fraud strategy can help organizations protect every digital entry point and stop fraud earlier in the journey.

Key insights:

• Learn how behavioral analytics, identity verification and risk signals can stop fraud early.
• Explore how device, network, phone and email intelligence can strengthen defenses.
•  See how step-up verification can help block high-risk actions and prevent fraud losses.