Episoder
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Scott McMahon, alliance manager for Automotive Partnerships at Equifax, leads a panel discussion on current trends, the rising challenge of fraud in the automotive space, and the industry's outlook, with a special focus on consumer affordability and the evolving electric vehicle (EV) market. His esteemed panel includes Steve Greenfield, general partner at Automotive Ventures; Marguerite Watanabe, president of Connections Insights; and Jeremy Robb, senior director of Economics and Insights at Cox Automotive.
In this episode:
Growing concerns and types of fraud in the automotive industryThe transition of the automotive industry into a more digital realmAnalysis of current economic factors influencing the auto marketPredictions on short-term consumer behaviors and market trendsEV market trends and future prospects
CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts, and analysis.Register for Market Pulse webinars to get relevant economic and credit insights to help your business make more confident decisions.Learn more about our Market Pulse podcast, and contact us at [email protected]
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We’re joined by Jeff Richardson from VantageScore to discuss how inflation is impacting households. We dig into factors contributing to rising delinquencies, the expected continuation of this trend, and the impact on different consumer segments. Additionally, we address the role of stimulus on credit scores and the strategies that organizations should have in place for confident decision-making.
In this episode:
· Overview of VantageScore
· Factors contributing to rising delinquencies
· Two different consumer segments
· Impact of stimulus on credit scores
· Credit decisioning strategies
· Incorporating AI into decision making
· Opportunities of differentiated data
Jeff hosts the SCORE podcast where he interviews the new leaders shaping the credit industry, like journalists, academics, and researchers. So be sure to check that out.
Resources:
CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.
Register for Market Pulse webinars to get relevant economic and credit insights to help your
business make more confident decisions.
Learn more about our Market Pulse podcast, and contact us at [email protected]
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The Equifax Risk Advisory practice explores various aspects of risk management, from evaluating and mitigating risks to implementing strategies that align with institutional goals and risk tolerance. This episode is a must-listen for professionals seeking to deepen their understanding of risk management in today's complex economic landscape.
In this episode:
· Role of the Equifax chief risk officer
· The focus on delinquencies
· Role of risk manager for cards
· Implementing policies to manage credit risk for credit card issuers
· Role of risk analyst
· How economic challenges like a rise in delinquencies impact risk analysis
· Role of chief collection officer
· How the changing economic landscape impacts the chief collection officer
· Biggest challenges for chief risk officer
· Go-to competitive advantages of credit risk manager
· Fulfilling the business goals and targets of an organization
Resources:
CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.
Register for Market Pulse webinars to get relevant economic and credit insights to help your
business make more confident decisions.
Learn more about our Market Pulse podcast, and contact us at [email protected]
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Host Dave Sojka and the Equifax Risk Advisors team delve into the intricacies of affordability in the current economic landscape. The discussion covers a range of topics, including the impact of rising debt, inflation, and changing consumer behaviors on consumers' ability to afford housing, automobiles, and insurance.
In this episode:
· Consumer holiday spending
· Consumer spending spikes
· Consumer Price Index and inflation
· Auto market
· New home and rent affordability
· Insurance affordability
· Consumer health by generation
Resources:
CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.
Register for Market Pulse webinars to get relevant economic and credit insights to help your
business make more confident decisions.
Learn more about our Market Pulse podcast, and contact us at [email protected]
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Did economic predictions for this year pan out? And what themes will dominate 2024? Join our Risk Advisory team as they assess how the economic outlook has really impacted consumers and industries.
In this episode:
Revisiting economic trendsTransitory inflationConsumer spendingLabor MarketAuto IndustryBanking and LendingBNPL and regulationCredit UnionsThemes for 2024Resources:
CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.
Register for Market Pulse webinars to get relevant economic and credit insights to help your
business make more confident decisions.
Learn more about our Market Pulse podcast, and contact us at [email protected]
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In part three of the Consumer Stress series from the Equifax Risk Advisory team, our experts discuss the impact of the economic and credit environment on consumer holiday spending. They cover various angles, including economic uncertainties, the transition from physical to online stores, the U.S. economic outlook, highlights of the holiday spending outlook, consumer financial options, and the international economic outlook.
In this episode:
Connections between consumer stress and salesEconomic uncertainties and transition to online shopping Highlights of the holiday spending outlookConsumer financial options, including BNPLConsidering the international economic outlookResources:
CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.
Register for Market Pulse webinars to get relevant economic and credit insights to help your
business make more confident decisions.
Learn more about our Market Pulse podcast, and contact us at [email protected]
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David Fieldhouse, Director of Consumer Credit Analytics at Moody's Analytics, provides his economic outlook for 2024. Discussing critical factors shaping the U.S. economy, we cover the end of the student loan payment moratorium to the surge in long-term interest rates, the delicate balance of treasury yields, as well as business and consumer recommendations for navigating uncertainties in the coming months.
In this episode:
· Deep dive into economic challenges
· Student loan payment moratorium end
· Long-term interest rates surge
· Interest rates and economic outlook
· Unpacking the 5% treasury yield
· Economic headwinds and GDP impact
· Resilience amidst challenges
· Bright spots in the economy
· Recommendations for businesses and consumers
Resources:
CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.
Register for Market Pulse webinars to get relevant economic and credit insights to help your
business make more confident decisions.
Learn more about our Market Pulse podcast, and contact us at [email protected]
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Lenders can use targeted consumer data to drive daily decision making. The Equifax Risk Advisory panel of experts discuss how to dig beyond the macroeconomic indicators to determine exactly where consumer stresses lie. Our panel includes David Sojka, Jesse Hardin, Maria Urtubey, Thomas Aliff and host, Tom O’Neill.
In this episode:
· Economists and consumers have diverging views on the economy
· Specific consumer stresses
· Statistics on consumer stresses
· What data can reveal about consumer stresses
Resources:
CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.
Register for Market Pulse webinars to get relevant economic and credit insights to help your
business make more confident decisions.
Learn more about our Market Pulse podcast, and contact us at [email protected]
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Consumers are increasingly facing credit and financial stress. Our panel of Equifax experts including Tom O’Neill, Tom Aliff, Dave Sojka and Jesse Hardin, discuss the factors contributing to consumer stress and the nuances that lenders should consider when evaluating consumers. This is the first part in a series on the topic of consumer stress.
In this episode:
· Economic factors contributing to consumer stress
· Why consumer stress is nuanced
· Do news headlines add stress to consumers?
· What are economists forecasting for the rest of the year and 2024?
· How should lenders distinguish the impacts on different consumers?
RESOURCES:
CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.
Register for Market Pulse webinars to get relevant economic and credit insights to help your
business make more confident decisions.
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Colleges and universities are facing declining enrollment rates, mounting regulatory pressure, the resumption of student loan payments, the reversal of affirmative action in admissions – and having to prove the ROI of a college degree. Lori Lindenberg, District Director of Enterprise Analytics and Strategy at Maricopa Community Colleges, joins us to discuss how Maricopa is addressing these challenges, while delivering on their student-first mission.
In today’s episode:
· How Maricopa is trying to reduce wage inequality for minority groups
· Steps Maricopa is taking to address college affordability concerns
· Anticipating and navigating government regulation
· Driving efficiency and accuracy in reporting for accreditation, national education data collection programs and governing board reports
· Effects of student loan repayments on proving your ROI
RESOURCES:
CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.
Register for Market Pulse webinars to get relevant economic and credit insights to help your
business make more confident decisions.
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In this time of economic uncertainty, it’s important that lenders focus on account management strategies to detect hidden risk in their portfolios. In this episode, our Risk Advisory panel discusses the most important thing lenders need to be doing right now when it comes to account management.
In this episode:
· Understanding the value of a customer
· Ensuring your account management strategy compliments your adjudication strategy
· Frequency of account monitoring to minimize risk
· Is the cost and effort worth it?
· Should you consider alternative data?
· How lenders develop new strategies for unique situations, such as the student debt repayments
Resources:
Fintech Solutions: Discover how our rich data, predictive analytics and cloud-native technologies can help fintechs successfully target and acquire more customers, mitigate fraud and make better business decisions.
CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.
Register for Market Pulse webinars to get relevant economic and credit insights to help your
business make more confident decisions.
Learn more about our Market Pulse podcast, and contact us at [email protected]
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After a three-year pause, borrowers must resume their federal student loan payments in October. In this episode, the Equifax Risk Advisory group discusses how the financial industry can navigate the road ahead by assessing their risk and finding opportunity.
In this episode:
· How the repayments will impact the financial industry
· Will the additional monthly payment cause delinquencies to rise in other loan products
· How clients can assess risk in their loan book
· Strategies for addressing risk
Resources:
Fintech Solutions: Discover how our rich data, predictive analytics and cloud-native technologies can help fintechs successfully target and acquire more customers, mitigate fraud and make better business decisions.
CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.
Register for Market Pulse webinars to get relevant economic and credit insights to help your
business make more confident decisions.
Learn more about our Market Pulse podcast, and contact us at [email protected]
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How are fintechs managing economic headwinds and credit tightening? We talk with Ratinder Bedi, Chief Credit Officer at SoFi, about how his company is managing these challenges and how fintechs and traditional banks often differ in their approach.
In this episode:
· The biggest challenges facing SoFi this year
· How the restart of student loan refinancing may impact the fintech industry
· What’s in SoFi’s playbook for economic downturns
· Where SoFi wants to leverage generative AI in its business
· What the fintech industry is doing differently from traditional banks
· How fintechs and other industries are battling the rising tide of fraud
Resources:
Fintech Solutions: Discover how our rich data, predictive analytics and cloud-native technologies can help fintechs successfully target and acquire more customers, mitigate fraud and make better business decisions.
CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.
Register for Market Pulse webinars to get relevant economic and credit insights to help your
business make more confident decisions.
Learn more about our Market Pulse podcast, and contact us at [email protected]
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The mortgage industry is facing high mortgage rates, low housing supply, and a tightening of mortgage credit availability. What does this all mean for the future of the mortgage industry and where does this leave consumers? Join us as Joel Kan, Vice President and Deputy Chief Economist for the Mortgage Bankers Association, provides insight.
Resources:
CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.
Reduce Risk and grow your portfolio with Customer Portfolio Review.
Register for Market Pulse webinars to get relevant economic and credit insights to help your
business make more confident decisions.
Learn more about our Market Pulse podcast, and contact us at [email protected]
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Leading economic indicators are flashing red for the second half of 2023, but David Fieldhouse, Director of Consumer Credit Analytics at Moody's Analytics, says there are reasons to be cautiously optimistic. Join us for a mid-year economic update as we discuss the debt ceiling crisis, interest rate hikes, and what lies ahead for the US economy.
Topics include:
Update on the debt ceiling crisisPossible long-term effects of crisisMoody's Analytics outlook for the second half of 2023How the financial industry can prepareReasons for cautious optimismResources:
CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.
Reduce Risk and grow your portfolio with Customer Portfolio Review.
Register for Market Pulse webinars to get relevant economic and credit insights to help your
business make more confident decisions.
Learn more about our Market Pulse podcast, and contact us at [email protected]
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The financial industry is pulling back on some of its marketing spend. Is that the right strategy for an uncertain economy? Andrew Davidson, Chief Insights Officer at Mintel Compremedia Omni, joins us with his insights. Andrew is an expert in cross-channel marketing insights, consumer behavior, and global trends.
In this episode:
- A short economic update from David Fieldhouse, Director of Consumer Credit Analytics at Moody’s Analytics
- How economic uncertainty is impacting consumer habits
- How financial institutions are adjusting their marketing strategies
- Where are the opportunities for marketing financial products
- Insights on credit card marketing and mortgages
- Strategies the financial industry is using to attract Gen Z
Resources:
CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.
Reduce Risk and grow your portfolio with Customer Portfolio Review.
Register for Market Pulse webinars to get relevant economic and credit insights to help your
business make more confident decisions.
Learn more about our Market Pulse podcast, and contact us at [email protected]
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As economists warn of an impending recession, banks have been raising their rates and tightening lending standards. What is the impact on consumers? And how should lenders navigate this credit tightening environment? To answer these questions, we’re joined by Jesse Harden, a risk advisor at Equifax.
In this episode:
· In light of credit tightening, why lenders are concerned about their policies right now
· How credit tightening is impacting consumers, and what we may see if the credit tightening continues
· Areas of opportunity for lenders
· Recommendations for how lenders can minimize their risk
Resources:
CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.
Reduce Risk and grow your portfolio with Customer Portfolio Review.
Register for Market Pulse webinars to get relevant economic and credit insights to help your
business make more confident decisions.
Learn more about our Market Pulse podcast, and contact us at [email protected]
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In this uncertain economy, credit unions want to understand the risks and opportunities in their current portfolio. In this episode, we’ll discuss that topic with Mike Schenk, Deputy Chief Advocacy Officer for Policy Analysis and Chief Economist at CUNA. We’ll also discuss:
What are the latest trends in credit union operations and financial performance? How are credit unions different from banks with regards to the types of investment they are allowed to make?What, if any, are the implications to credit unions related to the recent bank failures?Resources:
CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.
Reduce Risk and grow your portfolio with Customer Portfolio Review.
Register for Market Pulse webinars to get relevant economic and credit insights to help your
business make more confident decisions.
Learn more about our Market Pulse podcast, and contact us at [email protected]
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Financial institutions have become more risk aware following interest rate hikes, an uncertain economy and recent challenges facing regional banks. In this episode, we’re joined by Tom O’Neill, a risk consultant with Equifax and Mark Toro, a marketing consulting leader with the Financial Services Group at Equifax to discuss:
· What is a deposit growth strategy?
· How can it reduce a financial institution’s risk?
· What role does data play in an effective deposit growth strategy?
RESOURCES:
CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.
Reduce Risk and grow your portfolio with Customer Portfolio Review.
Register for Market Pulse webinars to get relevant economic and credit insights to help your
business make more confident decisions.
Learn more about our Market Pulse podcast, and contact us at [email protected]
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The number of small businesses has soared, and that means there is still opportunity for lenders despite an uncertain market. Patrick Reily, co-founder of Uplinq Financial Solutions, provides specific examples of how lenders can use unique data to improve modeling and grow their business.
CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.
Reduce Risk and grow your portfolio with Customer Portfolio Review.
Register for Market Pulse webinars to get relevant economic and credit insights to help your
business make more confident decisions.
Learn more about our Market Pulse podcast, and contact us at [email protected]
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