In this episode, Zach Tondre (US) and Neil Allen (UK) dive into the global challenge of financial inclusion, especially for consumers who are new to credit. From unbanked populations to young adults aging into credit, they explore the barriers that prevent access to financial systems and the opportunities that lie in alternative data. Hear real-world stories, market insights and how lenders can tap into hidden potential to drive growth and inclusion.

Visit risk.lexisnexis.com to learn more about how alternative data can help improve credit risk decisioning at every stage of the customer lifecycle and to download the Financial Inclusion for the New to Credit ebook and supporting assets.

DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice. The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.

LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2025 LexisNexis Risk Solutions.

In this episode, Kevin King, VP of US Credit Risk & Marketing Strategy, and Kim White, Senior Director of North America Fraud & Identity, dive deeper into the complex world of first-party fraud, building on insights from Season 1. They explore how early payment defaults (EPDs) can mask first-party fraud and why distinguishing between identity and intent-based behaviors is critical for lenders and risk managers.

The episode features a case study using clustering analysis to profile EPD drivers and offers actionable strategies for isolating fraud entry points and applying friction intentionally. You’ll also learn:

• Why early-stage defaults are a key signal of first-party fraud
• How to differentiate between identity theft, synthetic identity and identity manipulation
• How to design smarter, targeted defenses that balance loss prevention, customer friction and operational efficiency

Visit risk.lexisnexis.com for more information on credit risk and fraud and identity solutions from LexisNexis Risk Solutions.

DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice. The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.

LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2025 LexisNexis Risk Solutions.

Jim Kraus, Vice President & Principal at KS&R moderates a conversation with Hemant Deulkar, Senior Director of Market Planning and John McWilliams, Director of Consultative Solutions at LexisNexis Risk Solutions about the findings from a survey of 150 professionals responsible for customer acquisition strategy at financial institutions across the United States.

In this episode, you will learn:

• Why data and compliance challenges are hindering customer acquisition
• How financial performance is shaping customer acquisition strategies
• Why financial institutions are increasing their marketing data investments

Visit risk.lexisnexis.com to learn more about our customer acquisition solutions and to download the 2025 US Financial Institution Customer Acquisition Report and supporting assets.

DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice. The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.

LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2025 LexisNexis Risk Solutions.