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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

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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27:09

Optimizing Your Marketing Strategy in an Uncertain...

Market Pulse ·

2023/05/11

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, Director of Consumer Credit Analytics at Moody’s Analytics- How economic uncertainty is impacting

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19:04

How Lenders Can Navigate This Credit Tightening...

Market Pulse ·

2023/04/27

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 their policies right now· How credit tightening is impacting consumers, and what we may see if the

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29:53

How Credit Unions Can Succeed in an Uncertain Economy

Market Pulse ·

2023/04/13

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 from banks with regards to the types of investment they are allowed to make?What, if any, are the

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16:23

Why Financial Institutions Need a Deposit Growth...

Market Pulse ·

2023/03/23

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 reduce a financial institution’s risk?· What role does data play in an effective deposit growth

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28:06

How Data Helps Lenders Navigate an Uncertain Market

Market Pulse ·

2023/03/09

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 credit, economic and demographic data, forecasts and analysis. Reduce Risk and grow your portfolio with

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35:23

Auto Industry Outlook for 2023 with Jonathan Smoke

Market Pulse ·

2023/02/23

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 Consumer Credit Analytics at Moody’s Analytics. Highlights: :30 – Economic update from David Fieldhouse,

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17:31

How the Rising Cost of Living Will Impact Lenders

Market Pulse ·

2023/02/09

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.S. Economy. Access the presentation slides. These insights came from our Global Credit Trends. Register

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14:05

2023 Economic Outlook: Finding Growth in Consumer &...

Market Pulse ·

2023/01/26

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 impact will new Congressional make-up affect economy?5:00 – National debt ceiling needs to be raised6:30 –

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15:10

2023 Economic Outlook: Labor Market Shines Bright for...

Market Pulse ·

2023/01/05

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 the variety in labor market; using data to find opportunities6:45 – Smart portfolio management; do job

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12:22

2023 Economic Outlook: Opportunities for Lenders

Market Pulse ·

2022/12/13

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 adjust their practices to find opportunities9:39 – Lenders should also think long-term like demographic

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24:46

Is It Possible to Authenticate Digital Content?

Market Pulse ·

2022/11/08

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 highlights: 1:00 – About Truepic2:16 – How Equifax partners with Truepic to streamline insurance

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27:57

What the Next Generation of Data Looks Like for the...

Market Pulse ·

2022/09/15

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 Atul Patel and Orbee5:50 – What can the auto industry do with today’s updated personalization

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19:02

Is This the Moment for Consumer-Permissioned Data?

Market Pulse ·

2022/06/06

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 from David Fieldhouse at Moody‘s Analytics and Jeff Hollander at Envestnet | Yodlee.Show Notes:As

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23:05

Is Your Business Ready for the Changing Face of the...

Market Pulse ·

2022/03/15

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 out how your businesses can prepare for these changes.Skip ahead to these topics:1:02 – About Wayne’s

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21:59

'Tis the Season for Buy Now, Pay Later Loans

Market Pulse ·

2021/12/07

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 analytics at Moody’s Analytics, and Amy Frasher, FinTech product manager at Equifax, discuss the future of BNPL

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21:13

Financial Inclusion’s Role in the Economic Recovery

Market Pulse ·

2021/07/20

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 Analytics, and Emre Sahingur, senior vice president of predictive analytics research and product management at

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19:51

Entrepreneurship & Credit in the Post-COVID Era

Market Pulse ·

2021/06/17

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 entrepreneurial success later in life -- and can qualify for credit when they need it.This portion of the

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25:33

Growing Optimism and a Rising GDP

Market Pulse ·

2021/04/15

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 for our listeners to know about today, Cris?Cris deRitis: The U.S. economic outlook is particularly

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16:07

Pent-Up Demand & Consumer Credit Expectations

Market Pulse ·

2021/03/04

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 consumers6:45 - Small businesses7:15 - Accommodations8:40 - Geographic trends11:14 - Additional insights14:00 How

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