TransUnion: Extra Credit

Apr 10 2024 13
TransUnion: Extra Credit Podcast artwork

Once a month, our card and banking leaders ditch their meetings for microphones to share buzzword-heavy predictions, recent market developments and pressing trends in the U.S. financial industry. Have questions? Want to hear us discuss a specific topic? Email us at [email protected] Visit our website at https://www.transunion.com/extracreditpod The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liability for any actions taken based upon the content of this podcast.

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Episode 27: The Evolving Role of Data in Financial Services Marketing

Apr 10 2024 33 mins  
Matt Spiegel and Patrick White join the podcast this month to discuss the ongoing transformation of marketing strategies and operations. Josh kicks things off by remarking on the lack of financial advertising in this year’s Super Bowl; Matt discusses how financial services marketers should be connecting brand and performance data for more precise results; and Craig and Patrick di

Episode 26: The Implications of a ‘Higher for Longer’ Market

Mar 12 2024 34 mins  
Paul Siegfried who leads the card and banking business at TransUnion returns to Extra Credit for the third time to discuss what’s ahead for card issuers and consumers in 2024. Paul cautiously forecasts how rates, delinquencies and charge-offs might look by the end of the year; Craig asks what the market can expect to see in terms of unemployment and wage growth; and Josh wants to

Episode 25: How Will Recent Card Performance Impact Issuers in 2024?

Feb 15 2024 31 mins  
TransUnion financial services sales leader Stephanie Donaghy joins this month's podcast to ask Craig and Josh about recent trends in the card market — based on key questions she’s hearing from within the industry. The conversation covers everything from consumer credit health and sentiment continuing into 2024; how consumer spending is impacting balances across risk sectors

Episode 24: The Events, Trends and Dynamics That Shaped Lending in 2023

Dec 19 2023 26 mins  
Craig kicks off the last Extra Credit episode of the year with a macro recap of 2023, ranging from the impact of increased interest rates on markets and consumers to economic and geopolitical disruptions to the growing presence of artificial intelligence. Taking a more micro view of the market over these last 12 months, Josh highlights interesting patterns around originations, del

Episode 23: Navigating Risk in an Uncertain Market

Dec 13 2023 38 mins  
SMBC ManuBank CRO Mike Leary joins the podcast this month to discuss the relationship between risk and financial institutions in today’s economic environment. Mike and Craig discuss the lesser-known risks impacting portfolios today, including hidden buy now, pay later loans and credit score inflation. Mike weighs in on positioning a card portfolio in uncertain times; explains wh

Episode 22: The Transitioning Landscape of Auto Financing

Sep 18 2023 35 mins  
TransUnion SVP of Auto, Satyan Merchant, joins Craig and Josh this month to discuss emerging trends within the US auto financing market. We begin with Satyan touching on today’s top auto industry headlines — from supply chain issues and high interest rates impacting consumer affordability to major shifts in market share. Satyan describes how technology-forward dealerships and l

Episode 21: The US Policies and Regulations Impacting the Financial Services Sector Today

Aug 18 2023 31 mins  
TransUnion Head of US Government Relations, Allison Shuster, returns to Extra Credit this month to discuss the political and legislative activities currently impacting the US financial services industry. Craig and Allison start by discussing the proposed Fair Credit Reporting Act (FCRA) rulemaking process expected to take place later in 2023, whether government partisanship is as

Episode 20: Advancing Financial Inclusion: A Story of Policy, Data and Technology

Jun 29 2023 35 mins  
Joining Craig and Josh this month is Melissa Koide, Founder and CEO of FinRegLab — a nonprofit organization that tests and researches technology to help inform public policy and advance financial inclusion. Melissa touches on some of FinRegLab’s key initiatives, including the use of cashflow data to predict credit risk and assess populations with limited or no credit history; n

Episode 19: The Pressures and Opportunities Facing Credit Unions

May 24 2023 31 mins  
In this month’s episode, credit union leaders Kaylyn Leese and Michael Kelly join Craig and Josh onsite at TransUnion’s 2023 Financial Services Summit in Chicago. Kaylyn and Michael begin by sharing what they’re excited about within the lending space followed by a discussion of the challenges credit unions are up against — including a competitive market and balancing new te

Episode 18: The Financial Services Industry’s Evolving Relationship With Technology

Mar 28 2023 35 mins  
This month on the podcast, TransUnion Chief Information and Technology Officer Abhi Dhar joins Craig and Josh to discuss how credit lenders are contending with technology enablement trends in the financial services industry. Josh and Abhi kick the conversation off by examining the global business drivers impacting how organizations — and especially leadership — are thinking ab