Market Pulse
41 episodes - English - Latest episode: 16 days ago - ★★★★★ - 7 ratingsMarket Pulse is a monthly podcast by Equifax, in partnership with Moody’s Analytics. Equifax hosts bring you interviews with industry experts on the latest economic and credit insights that can help drive better business decisions. Whether you’re in financial, mortgage, auto or another service industry, we help make sense of the latest economic conditions that impact you. This podcast series supplements our Market Pulse webinars, which occur on the first Thursday of each month.
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Episodes
Automotive Insights: Trends, Fraud, and Future
April 11, 2024 09:00 - 47 minutes - 65.9 MBScott 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 In...
How Inflation and Rising Delinquencies are Impacting Different Consumer Segments
March 28, 2024 09:00 - 17 minutes - 24.7 MBWe’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 t...
A Day in the Life of a Risk Professional
February 29, 2024 23:00 - 30 minutes - 42.1 MBThe 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 card...
Navigating the Affordability Landscape Post Holiday Season
January 25, 2024 11:00 - 23 minutes - 32.3 MBHost 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 hom...
Economic Themes Shaping This Year and 2024
December 14, 2023 11:00 - 27 minutes - 37.8 MBDid 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 trends Transitory inflation Consumer spending Labor Market Auto Industry Banking and Lending BNPL and regulation Credit Unions Themes for 2024 Resources: CreditForecast.com is a joint venture between Equifax and Moody’s Analytics. Get ac...
Effects of Consumer Stress on Holiday Spending
December 07, 2023 11:00 - 23 minutes - 32.5 MBIn 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 ...
2024 Economic Outlook & Recommendations for Navigating the Economy
November 16, 2023 11:00 - 11 minutes - 15.5 MBDavid 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 · Stud...
How Lenders Can Use Data to Reveal Credit and Financial Stresses
October 26, 2023 10:00 - 31 minutes - 43.5 MBLenders 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 Lenders Need to Know About Consumer Stress
September 28, 2023 10:00 - 35 minutes - 48.2 MBConsumers 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 head...
Higher Education: A Data-driven Approach to Proving ROI and Putting Students First
August 24, 2023 10:00 - 19 minutes - 18.1 MBColleges 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 Lenders Can Find the Hidden Risk in their Portfolio
August 10, 2023 10:00 - 26 minutes - 36.3 MBIn 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 mon...
Financial Industry: Assessing Risk as Federal Student Loan Payments Resume
July 27, 2023 10:00 - 33 minutes - 45.5 MBAfter 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 ...
SoFi: How Fintechs are Navigating Economic Headwinds
June 29, 2023 10:00 - 26 minutes - 35.8 MBHow 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 wa...
Understanding Market Dynamics in the Current Mortgage Environment
June 08, 2023 10:00 - 21 minutes - 29.9 MBThe 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 demogr...
Moody's Economic Update: Possible Challenges Ahead, Reasons for Hope
May 25, 2023 10:00 - 11 minutes - 15.7 MBLeading 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 crisis Possible long-term effects of crisis Moody's Analytics outlook for the second half of ...
Optimizing Your Marketing Strategy in an Uncertain Economy
May 11, 2023 10:00 - 27 minutes - 37.3 MBThe 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 uncertai...
How Lenders Can Navigate This Credit Tightening Environment
April 27, 2023 10:00 - 19 minutes - 17.5 MBAs 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 w...
How Credit Unions Can Succeed in an Uncertain Economy
April 13, 2023 10:00 - 29 minutes - 41.1 MBIn 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...
Why Financial Institutions Need a Deposit Growth Strategy
March 23, 2023 10:00 - 16 minutes - 22.5 MBFinancial 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...
How Data Helps Lenders Navigate an Uncertain Market
March 09, 2023 11:00 - 28 minutes - 38.6 MBThe 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 p...
Auto Industry Outlook for 2023 with Jonathan Smoke
February 23, 2023 11:00 - 35 minutes - 48.6 MBWhat 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 Consumer Credit Analytics at Moody’s Analytics. Highlights: :30 – Economic update from Da...
How the Rising Cost of Living Will Impact Lenders
February 09, 2023 11:00 - 17 minutes - 24.1 MBThe 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.S. Economy. Access the presentation slides. These insights came from our Global Credit Trends...
2023 Economic Outlook: Finding Growth in Consumer & Commercial Lending
January 26, 2023 11:00 - 14 minutes - 19.4 MBThe 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 2023 2:22 – Delinquencies will rise with slowing economy 3:50 – What impact will new Congressional make-up affect economy? 5:00 – National debt ceiling ne...
2023 Economic Outlook: Labor Market Shines Bright for Now
January 05, 2023 18:48 - 15 minutes - 20.8 MBThis 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 2023 2:38 – Potential shocks to the labor market 4:55 – Recognizing the variety in labor market; using data to find opportunities 6:45 – Smart portfolio man...
2023 Economic Outlook: Opportunities for Lenders
December 13, 2022 11:00 - 12 minutes - 17 MBAre 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 2023 2:45 – Consumer spending patterns 7:45 – How can lenders adjust their practices to find opportunities 9:39 – Lenders should also think long-term...
Is It Possible to Authenticate Digital Content?
November 08, 2022 14:47 - 24 minutes - 19.9 MBBusinesses 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 highlights: 1:00 – About Truepic 2:16 – How Equifax partners with Truepic to streamline i...
What the Next Generation of Data Looks Like for the Auto Industry
September 15, 2022 10:00 - 27 minutes - 64 MBHow 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 Atul Patel and Orbee 5:50 – What can the auto industry do with today’s updated personal...
Is This the Moment for Consumer-Permissioned Data?
June 06, 2022 15:14 - 19 minutes - 15.3 MBWith 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 from David Fieldhouse at Moody‘s Analytics and Jeff Hollander at Envestnet | Yodlee. Show Notes...
Is Your Business Ready for the Changing Face of the U.S.?
March 15, 2022 14:19 - 23 minutes - 17.8 MBA 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 out how your businesses can prepare for these changes. Skip ahead to these topics: 1:02 – Abo...
'Tis the Season for Buy Now, Pay Later Loans
December 07, 2021 22:41 - 21 minutes - 17.7 MBBuy 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 analytics at Moody’s Analytics, and Amy Frasher, FinTech product manager at Equifax, discuss the future...
Financial Inclusion’s Role in the Economic Recovery
July 20, 2021 14:47 - 21 minutes - 17 MBIn 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 Analytics, and Emre Sahingur, senior vice president of predictive analytics research and product manage...
Entrepreneurship & Credit in the Post-COVID Era
June 17, 2021 18:49 - 19 minutes - 15.9 MBIn 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 entrepreneurial success later in life -- and can qualify for credit when they need it. This portion of the t...
Growing Optimism and a Rising GDP
April 15, 2021 18:38 - 25 minutes - 35.1 MBIn 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 for our listeners to know about today, Cris? Cris deRitis: The U.S. economic outlook is parti...
Pent-Up Demand & Consumer Credit Expectations
March 04, 2021 15:38 - 16 minutes - 22.2 MBIn 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 insights 3:11 - Delinquencies are down 5:40 - How stimulus has helped consumers 6:45 - Small businesses 7:15 - Accommodations 8:40 - Geographic trends 11:14 - Additio...
Cautious Optimism for Small Businesses
February 05, 2021 15:54 - 12 minutes - 16.7 MBIn 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 business support, I believe it was $284 billion that was earmarked for PPP. How do you foresee ...
Unpacking the Fiscal Stimulus
January 21, 2021 19:31 - 16 minutes - 22.8 MBIn 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 current round of stimulus that took effect at the end of December. There are few more commo...
Holiday Gift or Kick the Can?
December 16, 2020 17:58 - 12 minutes - 16.9 MBIn 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 and then there's a lot of talk around the stimulus. So, where do you want to start? Cris deRi...
Outlook 2021: Recovery Expectations
November 19, 2020 14:04 - 29 minutes - 40.1 MBIn 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 certainly a positive in terms of the economic outlook. It's going to help restore consumer c...
Fiscal Stimulus and the K-Shaped Recovery
October 15, 2020 15:11 - 28 minutes - 38.7 MBIn this episode of the Market Pulse monthly, we focus on the U.S. economy and credit insights -- both consumer and small business. This transcription is edited for brevity. Listen to the full podcast for more great insights. Theresa: Let’s start with the macro economy, and more specifically, fiscal stimulus. Chris, it seems things are changing by the day, and at times, by the hour. Are we going to get additional stimulus? And if so, when and what might it look like? Cris deRiti...
What Direction will the Economy Take?
September 17, 2020 19:27 - 24 minutes - 22.8 MBIn this episode of the Market Pulse monthly, we focus on the U.S. economy and credit insights -- both consumer and small business. This transcription is edited for brevity. Listen to the full podcast for more great insights. Theresa: Cris, let's start with the broader economic landscape. Where do we go from here? Cris deRitis: Clearly it does feel like something else is happening. I think of the economy today as being right in the eye of a hurricane. We had that first wave of the...
What direction will the economy take?
September 17, 2020 19:27 - 24 minutes - 22.8 MBJoin us as we discuss a number of timely topics, including the potential for another round of stimulus benefits, the shape of the U.S. economic recovery, as well as current trends for both consumer credit and small business. Our guests include: Cris DeRitis, deputy chief economist at Moody's analytics; Chris Walker, senior director of product management at Equifax; David Fieldhouse, director of credit analytics at Moody's analytics and Sarah Briscoe, senior data scientist at Equifax.