TransUnion: Extra Credit

Dec 19 2024 33 ep. 29 mins 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.
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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 33: 2024 in Review: From Past Predictions to Future Insights

Dec 19 2024 40 mins

Jason Laky, Executive Vice President of Financial Services at TransUnion, returns for the first time since June 2022! Things kick off with a review of past predictions, including a recession forecast and an assessment of the current consumer credit market. Jason is optimistic about stable interest rates and potential regulatory improvements benefiting financial services. Josh and

Episode 32: Risky Business: Tackling Fraud Threats in a Shifting Card Market

Nov 22 2024 26 mins

TransUnion Sales VP Danielle Parry-Hill joins the podcast this month to discuss the state of the card market and growing concerns around fraud. Danielle and Josh kick things off by noting while originations are down, charge-offs, delinquencies and card utilization are rising. Danielle raises a key question from CFIs: Have delinquencies peaked? Craig advises issuers to adjust their

Episode 31: Modernizing Touchpoints Across the Card Consumer Lifecycle

Aug 22 2024 39 mins

With Steve Manion joining the podcast this month, the conversation kicks off with a year-over-year review of consumer card usage. Josh examines shifts in bankcard balance and origination growth; Craig reveals which consumers are taking on far less new debt; and Steve wants to know how current charge-off balances compare to pre-COVID levels. Steve and Craig then discuss how lenders

Episode 30: Bridging the Generational Gap in Community Banking

Jun 17 2024 14 mins

Part Two: Live From TransUnion’s 2024 Financial Services Summit, Las Vegas In part two of the 2024 FS Summit episode, TransUnion’s Sean Flynn sits down with Union Credit co-founder and CRO Barry Kirby to highlight some key challenges facing credit unions today. Sean and Barry start by discussing the contradiction credit unions are running into as they balance growing their yo

Episode 29: Credit Union Strategies for Consumers Facing Financial Pressure

Jun 06 2024 14 mins

Part One: Live From TransUnion’s 2024 Financial Services Summit, Las Vegas In part one of the 2024 FS Summit episode, credit union VPs Heather Dufourny (Service Credit Union) and Heather Sullivan (Randolph-Brooks Federal Credit Union) sit down with Craig and Josh in Las Vegas to discuss the goings-on in the credit union industry. Craig is curious to hear which products members

Episode 28: Trends in the Card Industry: From Generational Preferences to Responding to Risk

May 13 2024 30 mins

Guest FJ Guarrera puts Craig and Josh in the hot seat this month with questions around recent consumer performance, trends and preferences in the card industry. The conversation kicks off with a macroeconomic view of the market since last quarter — ranging from consumer sentiments to card balances and originations to the impact consumer stress levels are having on their financi

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 d

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 t

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 sector

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, de