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
Q4 2025 Lending Conditions Chartbook
Despite tariff headwinds in 2025, the U.S. economy exceeded expectations and is positioned for continued growth. Improving credit dynamics point to a stronger lending environment in 2026.
- Solid economic momentum heading into the new year
- Improving lending standards and rising credit demand
- Stable delinquency trends support healthier credit conditions
White Paper
Closing the credit gap
White paper about income and credit trends – across gender, household dynamics, ethnicities and generational shifts. These new findings explain why closing the credit gaps is a strategic priority for lenders.
Download the white paper to learn about changing demographics across gender, household dynamics, ethnicities and generational shifts.
Learn how pivoting your approach and product offerings may help you broaden your customer base to become leaders in inclusive finance
Webinar
Refine Your Risk Decisions: Using Decision Trees to Drive Performance
Improve your credit risk decisions with advanced approaches to validating and optimizing decision trees. Learn how stronger models drive smarter, more consistent outcomes across your portfolio.
- Enhance model accuracy
- Strengthen underwriting and collections
- Improve decision speed and consistency
- Align data science and risk teams
Report
2026 Data Breach Industry Forecast
The scale of global cyberattacks continues to rise, and 2026 is poised to be the year of AI in cybersecurity.
In our 13th annual Data Breach Industry Forecast, we share our top predictions for the year ahead, including:
- The rise of synthetic identities built from stolen data
- AI overtaking human error as the top cause of breaches
- The growing risk of AI and quantum computing cyberattacks
- Emerging threats like mutating malware, brain hacking and a shrinking gender gap among hackers
Gain insight into the trends shaping the future of data security. Download the full forecast to prepare for what’s ahead.