Report
Published September 15, 2025
Fintech Advanced Analytics & Modeling Credit & Economic Trends Risk Management
The fintech landscape is evolving rapidly—and 2025 is a pivotal year. Experian’s State of Fintech 2025 Report delivers exclusive insights into the market forces, consumer behaviors, and credit trends shaping the future of financial services. Learn how leading fintechs are adapting and where the next wave of growth is emerging.
In this report, you’ll discover:
- How fintechs are regaining market share in unsecured personal loans
- The impact of rising delinquencies and student loan repayments
- What Gen Z and Millennial borrowers expect from digital lenders
- 7 strategic imperatives to scale responsibly in a volatile market
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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.
Infographic
Strengthen fraud defenses in rental technology
Rental fraud is surging, driven by generative AI (GenAI) and automation, overwhelming leasing systems and increasing financial risk. Experian helps rental companies detect fraud early, protect revenue, and maintain seamless leasing experiences.
- 93% of rental companies reported fraud in the past year
- Evictions cost over $3,500 each due to misrepresentation
- 84% of companies saw falsified income documentation
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
Video
Experian Credit Decisioning Journey
A strong credit risk decisioning strategy is crucial for any financial institution looking to stand out from the competition, book more high performing loans, and drive revenue. Lenders can achieve this by implementing next-gen AI technology to:
- Build and deploy models faster
- Optimize lending criteria
- Reduce fraud risk
Watch this video to learn how you can level up your credit decisioning journey across the customer lifecycle with the Experian Ascend Platform.