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

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, delinquencies and card balances; discusses lender investments into marketing and fraud programs; looks at capital markets and consumer affordability; and describes the impact and uncertainty stemming from increased regulations. Finally, Craig and Josh look back at some memorable guests and episodes from 2023, and give a peek at what listeners can expect to hear on Extra Credit in the new year. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.