Webinar
Published September 24, 2024
Banks Economic & Market Insights
The open banking revolution is transforming the financial services landscape, offering banks and financial institutions unprecedented access to consumer-permissioned data. However, during our recent webinar, over 78% of attendees stated that they do not currently have an open banking strategy in place.
This highlights a significant gap in the industry. By tapping into consumer-permissioned data, you can develop more personalized products, streamline credit decisioning, and improve overall customer engagement. With the right strategies, open banking offers a pathway to growth, innovation, and enhanced customer experiences.
Learn key open banking insights and how to capitalize on the many opportunities it presents.
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White Paper
State of Student Loans
Explore Experian’s latest State of Student Loans white paper to uncover key trends, borrower insights, and the evolving impact of student debt on financial health. Learn how data-driven solutions can help lenders and consumers navigate today’s student loan landscape.
Key considerations include:
- Strategies to engage consumers proactively to provide resources
- Recalibration of risk models
- Mitigating fraud while navigating the changing landscape
Video
Under Pressure: How Rising Food Costs Are Changing Restaurant Credit Behavior
Experian’s latest Commercial Pulse Report dives into the financial health of the restaurant sector amid rising costs and shifting consumer behavior.
Key insights:
- Menu prices at Full-Service Restaurants rose 4.6% in August — outpacing inflation.
- Limited-Service Restaurants are showing improved credit risk scores, suggesting stronger adaptability.
- Credit access is tightening across the board, with average credit limits falling below $6,000.
- Revolving credit utilization is climbing — an early signal of potential cash flow strain.
What does this mean for lenders and decision makers?
✅ Not all restaurant types face the same risks.
✅ Segmenting credit strategies is more important than ever.
✅ Watch utilization and inquiry trends closely — they may be early indicators of distress.
Check out the full report to see how these trends could impact your strategy!
Report
Q3 2025 Lending Conditions Chartbook
The U.S. economy shows signs of steady growth in Q3, yet challenges remain. A cooling labor market and persistent inflation create uncertainty, prompting lenders to stay cautious while adapting. Even in this dynamic environment, growth opportunities continue to emerge across the industry.
White Paper
Credit Risk Management with GenAI
Generative AI is a powerful force that’s driving higher efficiency and productivity in credit risk management for financial institutions. Read our latest white paper to discover how lenders can improve the credit risk management process to:
- Streamline operating expenses
- Enhance compliance
- Increase lending volume
- Reduce credit and fraud losses