Market Pulse
Market Pulse is a monthly podcast produced by Equifax in partnership with Moody’s Analytics. Equifax hosts interview industry experts about current economic and credit conditions that affect business decisions. It covers sectors such as financial services, mortgage, auto, and other service industries. The podcast supplements Equifax's monthly Market Pulse webinars, which are held on the first Thursday of each month.
Episodes
Debt, Delinquencies & the Divided Consumer
The U.S. consumer is sending mixed signals. In this episode of Market Pulse, the Equifax Advisors examine the latest economic and credit trends, from persistent inflation and rising household pressures to changing debt, delinquency and HELOC behavior. They also explore the widening differences among consumers—and the leading indicators lenders should watch to identify risk and uncover opp
Moody’s Economic Update: The Economy Beneath the Headlines
The U.S. economy has remained remarkably resilient, but beneath the headline numbers, consumers are experiencing very different realities. Moody’s Analytics economist Justin Begley joins Equifax’s Olivia Voltaggio to examine the outlook for the labor market, growing stress among subprime borrowers, the persistent K-shaped economy and the housing affordability challenge. They also discuss
How the K-Shaped Economy is Reshaping Financial Services
Consumer wealth has reached record highs—but the average American isn't experiencing that growth equally. In this episode, Tom O'Neill sits down with IXI Chief Strategy Officer Ian Wright to examine the growing K-shaped economy, where some households continue building wealth while others struggle with affordability and rising debt. Together, they explore what these trends mean for financi
Combating Small Business Fraud in an AI-Powered World
Small business fraud is evolving — and fraudsters are using increasingly sophisticated tactics, from synthetic identities to AI-generated documents and digital deception. In this episode of Market Pulse, Equifax’s David Adams talks with Jill Molitor, Director of Fraud and Credit Administration at Stearns Bank, about how lenders can balance faster decisioning with stronger fraud prevention
What the Equifax Market Pulse Index Reveals About the U.S. Consumer
What does the Equifax Market Pulse Index reveal about the true financial health of American consumers? Equifax Advisors Emmaline Aliff, Jesse Hardin and Tom O'Neill explore how the Market Pulse Index uncovers financial stress and resilience that traditional economic measures often miss. The conversation examines the growing K-shaped economy, the "illusion of the average," generational wea
Understanding the K-Shaped Economy in 2026
The Equifax Advisory team breaks down the realities behind today’s “K-shaped” economy—from rising consumer debt and delinquencies to lending risk and shifting borrower behavior. With insights on everything from interest rates and inflation to auto loans and student debt, the team translates complex economic signals into practical guidance for lenders and business leaders.In this episode:W
Auto Market Trends: Affordability, EVs & What’s Next
Emmaline Aliff sits down with Cox Automotive Chief Economist Jeremy Robb to unpack the forces reshaping today’s auto market—from affordability pressures and credit expansion to the growing wave of used EVs. As consumers navigate rising costs and lenders adapt to shifting risk, the conversation explores what’s really driving demand—and what dealers and lenders should watch next.In this epi
TriMerge vs. Single Credit Reports: What’s at Stake?
The mortgage industry is debating whether to move away from the long-standing TriMerge credit reporting standard. Wendy Hannah-Olson of Equifax speaks with mathematician and behavioral modeling researcher Joni Baker at Andrew Davidson & Company about new research analyzing credit score differences across the three credit bureaus. Their discussion reveals how shifting to single or bi-m
A Lender’s Case for VantageScore
Ashley Sellers of Equifax sits down with Jordan Sullivan, Director of Retail Lending at CSL Financial, to explore how modern credit scoring is reshaping mortgage lending. As one of the first lenders to adopt VantageScore for underwriting, CSL shares real-world results, from higher approval rates and lower costs to stronger portfolio performance. The conversation dives into affordability,
What’s Next for Mortgage Lending, with Freddie Mac
Jennifer Henry of Equifax sits down with Christina Randolph of Freddie Mac to discuss how lenders can drive efficiency, improve data quality, and build resilience through digitization and automation. From reducing origination costs to leveraging tools like Loan Product Advisor, AIM, and verified income data, the conversation offers practical insights to help lenders prepare for the next m
Navigating Through Unpredictable Lending Challenges
Emmaline Aliff of Equifax sits down with Matt Orlando, Chief Experience Officer at Informative Research, to unpack one of the most talked-about developments in mortgage lending: FICO’s new Mortgage Direct Licensing program and what it could mean for lenders, credit providers, and borrowers.In this episode:What is FICO’s Mortgage Direct Licensing program?FICO’s Mortgage Direct Licensing pr
Modernizing the Mortgage Journey: A Deeper Look
Bobby Deery sits down with Praveen Chandrahomhan, SVP of Origination Growth at Cotality, to explore how AI is reshaping mortgage lending. They discuss the rise of “micro AI” in origination, the balance between speed and empathy in the borrower journey, and why personalization and retention are becoming critical in a purchase-driven market. In this episode:How is AI changing mortgage lendi
Lending Unlocked: Navigating Today's Toughest Mortgage Challenges
Recorded live at MBA Annual25 in Las Vegas, this special edition of the Equifax Market Pulse explores how data, workflow automation, and AI are reshaping mortgage lending. Tanja Cleve, SVP of Solution Sales at Equifax sits down with Craig Rebmann, Product Evangelist at Dark Matter Technologies, to discuss capturing data earlier in the process, automating complex borrower scenarios, managi
Clearing the Down Payment Hurdle: DPA’s Role in Unlocking Homeownership
Recorded live at the 2025 MBA Annual in Las Vegas, this special episode of Market Pulse explores how down payment assistance programs can help unlock homeownership amid today’s affordability challenges. Joel Rickman of Equifax sits down with Rob Chrane, Founder and CEO of Down Payment Resource, to discuss how lenders, real estate professionals, and technology can better connect buyers to
Naughty or Nice? 2025 Economic Recap & 2026 Resolutions
In this special holiday edition, Emmaline Aliff is joined by Equifax Advisors Tom O’Neill, Dave Sojka, Jesse Hardin, and Maria Urtubey for a “Santa Scorecard” look back at what was naughty or nice in the 2025 economy, and what may change in 2026. The group unpacks AI adoption, rate cuts, equity market resiliency, and rising consumer stress signals—from student loans to auto and mortgage d
Driving Efficiency and Resilience in the Mortgage Industry
Jennifer Henry of Equifax sits down with Andrew Davidson, president of Andrew Davidson & Co. and a leading voice in mortgage analytics, to unpack one of the most misunderstood elements of housing finance: credit scores. They explore what a credit score actually measures, why different models and bureaus produce different results, how VantageScore’s adoption could reshape risk evaluati
Credit File Contradiction: Why is Each Different?
HousingWire CEO Clayton Collins brings together an unprecedented trio — Joel Rickman (Equifax), Michele Bodda (Experian), and Satyan Merchant (TransUnion) — for a first-of-its-kind conversation on how data is redefining the mortgage process. The three leaders also unpack key topics dominating the MBA Annual 25 conference floor — from the tri-merge debate and the cost of credit reports to
The Tech Reshaping Mortgage Lending
How are innovation, data, and AI are transforming the mortgage experience? Wendy Hannah-Olson, SVP of Digital Alliances and Strategy Execution at Equifax, sits down with Jonas Moe, SVP of Marketing at ICE Mortgage Technology to discuss this evolution, from streamlining operations and improving borrower engagement to keeping the human connection at the heart of lending.In this episode:How
The Real Cost of Credit Reports: Data, Competition & Policy Implications
Emmaline Aliff of Equifax joins Dr. Amy Crews Cutts, Chief Economist at AC Cutts & Associates, to unpack the real costs and competitive dynamics of mortgage credit reporting. They dig into what the data actually shows about tri-merge pricing, lender negotiation power, fallout loans, and the entry of VantageScore.In this episode:What is the true cost of pulling a credit report for a mo
Mortgage Industry Evolution: Data, Transparency, & the Future of Lending
Recorded live at MBA Annual 2025, HousingWire CEO Clayton Collins talks with Joel Rickman, SVP of Verification Services/Workforce Solutions at Equifax, and Justin Demola, President of Lenders One, about the ripple effects of FICO’s new pricing model, the rise of VantageScore, and how smarter lending data can drive efficiency, affordability, and innovation across the housing market.In this
How Credit Score Competition Is Reshaping the Mortgage Market
At MBA Annual 2025, HousingWire CEO Clayton Collins interviewed Rikard Bandebo, Chief Strategy Officer and Chief Economist at VantageScore, about one of the biggest industry shifts in decades: the entrance of VantageScore into the mortgage ecosystem. In this episode:Why is credit score competition important?For decades, the mortgage industry has relied on one scoring model. With the Feder
MBA Annual25 Day 2: Tri-Bureau, Triggers & Tooling Up
Recorded live at MBA Annual25 in Las Vegas, host Rebecca Kritzman and guests Ashley Sellers, Elaina McFarland, and Bobby Deery break down what lenders are asking for right now: AI-driven workflow efficiency, expanding use of soft-pull strategies, and dual processing to analyze Vantage Score alongside existing scores. Who are the speakers?Rebecca Kritzman – SVP, Experience & Partner Ma
MBA Annual25 Day 1: Data, Innovation & the Future of Mortgage Lending
Recorded live at MBA Annual25 in Las Vegas, host Rebecca Kritzman, SVP of Experience and Partner Marketing at Equifax, sits down with Emmaline Aliff, Tom Ciulla, and Chris Mock to unpack the biggest themes from Day One — from innovation and data-driven lending to the industry’s ongoing dialogue around tri-merge vs. single-bureau credit models.Who are the speakers?Rebecca Kritzman – SVP, E
Market Pulse Index: A Holistic View of Consumer and Market Health
As the U.S. government shutdown delays key economic data, the Equifax Advisors team steps in with deeper insights. Host Emmaline Aliff is joined by Jesse Hardin, Tom O’Neill, and Maria Urtubey to unpack the indicators that matter most when visibility is limited—and to debut the Market Pulse Index, a new holistic measure capturing the intersection of credit, income, assets, and financial b
What Lenders Need to Know About a Fast-Changing Regulatory Landscape
Host Jesse Hardin sits down with Stephanie Gunselman, head of Federal Government Relations at Equifax, for a wide-ranging look at how Washington is shaping the future of lending and credit reporting. From a cooling labor market and inflation to evolving priorities at the CFPB, they explore the latest legislative and regulatory developments — including open banking, data privacy, AI govern
What’s on Lenders’ Minds in 2025? Insights from Equifax Advisors
Equifax Advisors Maria Urtubey, Emmaline Aliff, Tom O’Neill, Jesse Hardin, and Dave Sojka share what they’re hearing directly from Equifax lending customers across industries. From student loan repayment impacts to shifting auto lending dynamics and tariff uncertainty, the team highlights the questions lenders are asking, the insights uncovered in one-on-one advisory sessions, and the rec
Consumer Wealth Trends: What Financial Marketers Need to Know
Equifax Senior Advisor Tom O’Neill sits down with Ian Wright, Chief Strategy Officer at IXI, to unpack the shifting landscape of consumer wealth in a post-COVID economy. Drawing on exclusive IXI data, they explore how total U.S. household assets have grown to over $66 trillion—while the median household has actually lost ground. The conversation dives into the shrinking mass affluent segm
What the Latest Economic Signals Reveal About U.S. Consumers
Host Emmaline Aliff is joined by economist Amy Crews Cutts, President at AC Cutts and Associates, and a panel of Equifax experts—Maria Urtubey, Tom O'Neill, and Dave Sojka—to unpack the latest signals from both hard and soft economic data. From shifting consumer sentiment to rising tariffs and the ripple effects on credit, lending, and affordability, the team explores the impact on consum
A Midyear Check on the U.S. Economy with Moody’s Analytics
Host Olivia Voltaggio is joined by Shandor Whitcher, Economist at Moody’s Analytics, for a timely check-in on the U.S. economy. They discuss the recent shift from early-year optimism to growing uncertainty driven by shifting trade policy, rising jobless claims, and inflation concerns. Shandor breaks down the latest GDP and consumer credit data, explores warning signs from small businesses
How Small Businesses and Consumers are Responding to Economic Uncertainty
In this Small Business Month edition, experts from Fiserv and Equifax unpack how small businesses and consumers are responding to ongoing economic uncertainty. Darryl Tyndorf, Director of Economic and Analytical Insights at Fiserv; Mike Spriggs, Head of Consumer Insights at Fiserv; and David Adams, Head of Commercial Product Marketing at Equifax dig into a range of topics, from shifting s
A Shifting Economic Landscape: Consumer Sentiment, Tariffs, and Risk Mitigation
Equifax advisors Jesse Hardin, Dave Sojka, Tom O'Neill, and Maria Urtubey explore the disconnect between positive hard data and declining consumer sentiment, rising concerns over tariffs, and their disproportionate impact on households and businesses. They dig into leading indicators to watch—like delinquency rates, employment trends, and consumer spending—and offer practical recommendati
Economic Outlook 2025: Inflation, Jobs, and Market Trends
With President Trump’s administration in full swing, we’re joined by Shandor Whitcher, economist at Moody’s Analytics, to break down key economic trends shaping the year ahead. Get the latest on inflation, labor market dynamics, and the Federal Reserve’s approach to interest rates, along with the impact of global trade policies, emerging technologies and more. Resources: CreditForecast.co
Navigating 2025: Key Economic Themes
The Equifax Advisory Team dives into predictions for 2025, exploring key economic themes such as tariffs, immigration reform, and the ongoing housing affordability crisis. The discussion also touches on potential policy impacts from the new administration and how unexpected events could shape economic outcomes.Resources: CreditForecast.com is a joint venture between Equifax and Moody’s An
2024 in Review: Economic Insights and Predictions for 2025
The Equifax advisory team reviews the U.S. economy in 2024, discussing key developments and their implications for lenders and consumers. Jesse Hardin, Em Aliff, Tom O'Neill, Dave Sojka, and Maria Urtubey explore interest rates, inflation, housing, labor trends, and consumer credit. The Federal Reserve's rate cuts aimed to cool inflation and support affordability, yet high borrowing costs
Winning the Deposit Battle: Strategies for Lenders in a Competitive Market
Host Tom O'Neill sits down with Equifax’s Chief Strategy Officer, Ian Wright, to discuss strategies for growing and protecting deposits in today’s competitive financial landscape. With traditional banks, fintechs, and neobanks all vying for deposit share, how can institutions gain a competitive edge? Ian shares insights on leveraging financial data to identify valuable customer segments,
How the Fed’s Interest Rate Cuts are Impacting Consumers and Lenders
The Risk Advisor team at Equifax discusses the recent 50 basis point rate cut by the Federal Reserve and its wide-reaching impact on the U.S. economy. Topics including consumer sentiment, the housing and auto markets, and the lending landscape offer valuable insights into how these changes will affect both households and financial institutions. The panel also explores potential challenges
Decoding Economic Uncertainty: Fed Moves, Budget Deficits, and Global Risks
In this illuminating panel discussion, Tom Aliff, Risk Advisors Leader at Equifax, delves into key economic concerns and forecasts with economists Amy Crews Cutts, President at AC Cutts and Associates LLC; Robert Wescott, Founder and President of Keybridge; and Mark Zandi, Chief Economist of Moody's Analytics. They explore the implications of budget deficits on interest rates, with varyin
Strategies for Managing the Surging Auto and Home Insurance Costs
Bob Homer, General Manager and VP of Insurance and Alliances at Equifax, and Stephen Crewdson, Senior Director of Global Business Intelligence at JD Power, discuss the sharp rise in home and auto insurance premiums, driven by both economic and social inflation, and the impact on consumer affordability and behavior. Bob and Stephen explore how insurers are responding to these challenges, i
The Impact of Inflation on Consumer Behavior
The Equifax Risk Advisors team explores the complexities of the current economic landscape, discussing key topics such as the K-shaped recovery, inflation's impact on consumer sentiment, and rising delinquency rates. They also respond to recent comments by economists on trends in consumer spending, credit risk, and the nuanced effects of economic policies.
Credit and Lending Insights for Small Business
With 93% of small business owners anticipating growth, the timing of potential Fed interest rate cuts remains a critical factor. Sarah Briscoe, lead commercial statistical analyst at Equifax, sheds light on the latest trends in small business lending, delinquency, and default rates, highlighting the unique insights from the Equifax small business indices. In this episode: What small busi
Q&A: Consumer Credit, Loans & Economic Trends
Our all-female panel of financial experts answer your burning questions about consumer credit, loan performance, and economic trends shaping affordability. Our panelists including Amy Crews Cutts, president and chief economist at AC Cutts & Associates, and Equifax’s own Maria Urtubey, Anna Fisher, and Mariette de Meillon address questions submitted during the March Market Pulse webina
Decoding Interest Rates and their Economic Impact
Join the Risk Advisors Group at Equifax as they discuss the current state and future trends of interest rates and their profound impact on the U.S. economy. The conversation delves into the Federal Reserve's strategies in response to inflation and economic shifts, exploring how these changes affect various sectors including banking, mortgages, and auto financing.
Automotive Insights: Trends, Fraud, and Future
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 W
How Inflation and Rising Delinquencies are Impacting Different Consumer Segments
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-
A Day in the Life of a Risk Professional
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 chi
Navigating the Affordability Landscape Post Holiday Season
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 spendi
Economic Themes Shaping This Year and 2024
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:CreditForecas
Effects of Consumer Stress on Holiday Spending
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
2024 Economic Outlook & Recommendations for Navigating the Economy
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
How Lenders Can Use Data to Reveal Credit and Financial Stresses
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
What Lenders Need to Know About Consumer Stress
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 con
Higher Education: A Data-driven Approach to Proving ROI and Putting Students First
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 thes
How Lenders Can Find the Hidden Risk in their Portfolio
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 manag
Financial Industry: Assessing Risk as Federal Student Loan Payments Resume
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 delinqu
SoFi: How Fintechs are Navigating Economic Headwinds
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 i
Understanding Market Dynamics in the Current Mortgage Environment
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
Moody's Economic Update: Possible Challenges Ahead, Reasons for Hope
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 cri
Optimizing Your Marketing Strategy in an Uncertain Economy
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, Di
How Lenders Can Navigate This Credit Tightening Environment
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 th
How Credit Unions Can Succeed in an Uncertain Economy
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 fro
Why Financial Institutions Need a Deposit Growth Strategy
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 reduc
How Data Helps Lenders Navigate an Uncertain Market
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
Auto Industry Outlook for 2023 with Jonathan Smoke
What can auto lenders and dealers expect this year? Join us as Jonathan Smoke, chief economist for Cox Automotive, discusses the current slump in used retail vehicle sales and auto loan performance, his predictions for this year’s vehicle sales, as well as the industry’s bright spot, EVs. But first, we start this episode with a 3-minute economic update from David Fieldhouse, director of C
How the Rising Cost of Living Will Impact Lenders
The cost of living is rising, and consumers across the globe are feeling the squeeze. How will this impact the lending industry this year? Swarnima Pandey, an Analytics Insights Manager with Equifax Canada shares how lenders can build resiliency into their 2023 plan.This podcast episode was a continuation of the November webinar, Market Pulse: Impact of Global Economic Headwinds on the U.
2023 Economic Outlook: Finding Growth in Consumer & Commercial Lending
The final episode of our three-part series focuses on consumer and commercial lending in 2023. In our interview with Cris deRitis, Deputy Chief Economist at Moody’s Analytics, we discuss how lenders can find responsible growth in challenging economic times. Highlights: 1:00 - Trends in consumer and commercial lending in 20232:22 – Delinquencies will rise with slowing economy3:50 – What im
2023 Economic Outlook: Labor Market Shines Bright for Now
This episode takes an in-depth look at the labor market and possible risks it may face in 2023 and beyond. We discuss with Cris deRitis, deputy chief economist with Moody’s Analytics, how lenders can adjust their business to better identify risk, as well as opportunity in the labor market. 0:50 – Analysis of labor market in 20232:38 – Potential shocks to the labor market4:55 – Recognizing
2023 Economic Outlook: Opportunities for Lenders
Are we heading for a recession in 2023? And what should lenders do to prepare for a year of uncertainty? We interview Cris deRitis, deputy chief economist at Moody’s Analytics to uncover those opportunities in the lending industry.Episode Highlights: 1:30 – Moody’s Analytics perspective on whether there will be a recession in 20232:45 – Consumer spending patterns 7:45 – How can lenders ad
Is It Possible to Authenticate Digital Content?
Businesses rely on digital photos and videos to make everyday business decisions, but they struggle with confirming the content’s authenticity. Bob Homer, VP and General Manager of Insurance and Alliances at Equifax talks with Mounir Ibrahim, VP of Public Affairs and Impact at Truepic about how the company is using data and technology to restore trust in digital images. Don't miss these h
What the Next Generation of Data Looks Like for the Auto Industry
How can the auto industry improve the customer experience? The answer lies in the next generation of data tools. Join Equifax’s Brian Epro as he interviews Atul Patel, CEO and co-founder of the automotive digital marketing platfom Orbee, about the next generation of personalization and how it will transform how consumers buy their next automobile. Jump ahead to these topics: 2:30 – About
Is This the Moment for Consumer-Permissioned Data?
With the summer travel season upon us, a new wave of concerns is hitting consumer wallets. We look at how supply chain shortages, inflation, global conflict, end of COVID relief packages, and potential forthcoming recession will impact consumer credit usage and access – with a special focus on how consumer-permissioned data can make credit more accessible. Join us for the latest insights
Is Your Business Ready for the Changing Face of the U.S.?
A slower birthrate, the aging Baby Boomers, a record number of retirements due to the COVID-19 pandemic and slowing immigration. All these factors are having a profound impact on the U.S. economy and future GDP growth. In this episode, Wayne Best, chief economist at Visa, shares his findings from a new white paper, The Golden Years Planning for the Changing Face of the United States. Find
'Tis the Season for Buy Now, Pay Later Loans
Buy Now, Pay Later (BNPL) loans are skyrocketing in popularity. Younger, tech-savvy consumers like them because they are a fast, easy way to purchase something online or at point-of-sale in a store. Many BNPLs don’t charge interest, and they can allow consumers who may not qualify for credit to finance large purchases. In this episode, David Fieldhouse, director of consumer credit analyti
Financial Inclusion’s Role in the Economic Recovery
In this K-shaped economic recovery, many consumers will prosper, while others will continue to struggle. In this episode, we discuss how VantageScore could score about 37 million Americans who are conventionally unscoreable -- and what that could mean for the economy. Join Katherine Doe of Equifax as she interviews David Fieldhouse, director of consumer credit analytics at Moody’s Analyti
Entrepreneurship & Credit in the Post-COVID Era
In this episode of Market Pulse, Katherine Doe of Equifax discusses the U.S. economic outlook for consumer and small business credit with David Fieldhouse, director of consumer credit analytics at Moody's Analytics. Evan Leaphart, founder and CEO of Kiddie Kredit and co-founder of Black Men Talk Tech, explains his mission of educating kids about credit so they are poised for entrepreneuri
Growing Optimism and a Rising GDP
In this episode of Market Pulse, we discuss the U.S. economic outlook, the American Jobs Plan and consumer credit trends with Cris deRitis, deputy chief economist at Moody's Analytics.This transcription is edited for brevity. Listen to the full podcast for more great insights.Theresa: So let's start with an update on the U.S. economy. What do you see on the horizon or what is important fo
Pent-Up Demand & Consumer Credit Expectations
In this episode of Market Pulse, we talk to Tom Aliff, risk consulting leader at Equifax, about consumer credit trends and insights. He shares the latest in credit balances, utilization, delinquencies and explains how the stimulus has benefited consumers.Jump ahead to these topics::56 - The latest in consumer insights3:11 - Delinquencies are down5:40 - How stimulus has helped consumers6:4
Cautious Optimism for Small Businesses
In this episode of the Market Pulse podcast, we discuss the latest round of PPP and small business credit and industry trends with Equifax senior data analyst, Sarah Briscoe. This transcription is edited for brevity. Listen to the full podcast for more great insights.Theresa Freas: Top of everyone's mind is the second round of stimulus just came through. When we're talking about small bus
Unpacking the Fiscal Stimulus
In this episode of Market Pulse, we break down the second round of stimulus that took effect in late December. Who won? Who lost? And how will it impact the overall economy, as well as consumers and small businesses? We also discuss a potential third round of stimulus.This transcription is edited for brevity. Listen to the full podcast for more great insights.Theresa: Let's start with the
Holiday Gift or Kick the Can?
In the December episode of Market Pulse monthly, we focus on how this week’s news -- the vaccine rollout, Electoral College vote and talks of a stimulus deal will impact this holiday season. This transcription is edited for brevity. Listen to the full podcast for more great insights.Theresa Freas: It's been a big week. There's the electoral college meeting, vaccines are going in-market a
Outlook 2021: Recovery Expectations
In this episode of the Market Pulse monthly, we focus on the 2021 outlook for the U.S. economy and credit -- both consumer and small business. This transcription is edited for brevity. Listen to the full podcast for more great insights.Theresa: How does the announcement of a vaccine nearing trial completion impact your outlook into 2021?Cris deRitis: The announcement of the vaccine(s) is
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