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PODCAST

Market Pulse

Market 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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All Episodes

36:34

Strategies for Managing the Surging Auto and Home...

Market Pulse ·

2024/08/08

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, including staffing reductions, ad spend cuts, and proactive communication with customers. In this

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26:31

The Impact of Inflation on Consumer Behavior

Market Pulse ·

2024/07/23

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.

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12:48

Credit and Lending Insights for Small Business

Market Pulse ·

2024/06/21

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 business indices data shows about lending activity and defaultsFactors small and commercial businesses

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23:40

Q&A: Consumer Credit, Loans & Economic Trends

Market Pulse ·

2024/05/16

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 Cutz & Associates, and Equifax’s own Maria Urtubey, Anna Fisher, and Mariette de Meillon address questions submitted during the March Market Pulse webinar. In this episode:Deep dive into credit trendsCredit scores and loan performanceUtilization and

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25:55

Decoding Interest Rates and their Economic Impact

Market Pulse ·

2024/04/30

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.

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47:58

Automotive Insights: Trends, Fraud, and Future

Market Pulse ·

2024/04/11

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

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17:58

How Inflation and Rising Delinquencies are Impacting...

Market Pulse ·

2024/03/28

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

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30:37

A Day in the Life of a Risk Professional

Market Pulse ·

2024/02/29

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

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23:32

Navigating the Affordability Landscape Post Holiday...

Market Pulse ·

2024/01/25

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

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27:30

Economic Themes Shaping This Year and 2024

Market Pulse ·

2023/12/14

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

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23:40

Effects of Consumer Stress on Holiday Spending

Market Pulse ·

2023/12/07

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

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11:17

2024 Economic Outlook & Recommendations for...

Market Pulse ·

2023/11/16

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

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31:38

How Lenders Can Use Data to Reveal Credit and...

Market Pulse ·

2023/10/26

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

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35:06

What Lenders Need to Know About Consumer Stress

Market Pulse ·

2023/09/28

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

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19:43

Higher Education: A Data-driven Approach to Proving...

Market Pulse ·

2023/08/24

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

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26:24

How Lenders Can Find the Hidden Risk in their Portfolio

Market Pulse ·

2023/08/10

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

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33:05

Financial Industry: Assessing Risk as Federal Student...

Market Pulse ·

2023/07/27

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·

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26:05

SoFi: How Fintechs are Navigating Economic Headwinds

Market Pulse ·

2023/06/29

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

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21:45

Understanding Market Dynamics in the Current Mortgage...

Market Pulse ·

2023/06/08

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,

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11:26

Moody's Economic Update: Possible Challenges Ahead,...

Market Pulse ·

2023/05/25

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

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65 results

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