Credit in Focus

UK lenders face a difficult balance: expanding access to affordable credit while maintaining strong risk controls. In this mini-episode of Credit in Focus, Neil Allen and Chris Coxhill unpack findings from a study of 100 UK lending professionals, including the reported impact of alternative data on portfolio performance, lending approvals and affordability assessments.  

They discuss why alternative data should strengthen rather than replace traditional credit information, what is holding some lenders back and how greater collaboration between credit risk and fraud teams could support more confident decisions, stronger customer experiences and broader financial inclusion.

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© 2026 LexisNexis Risk Solutions.

SMB lending demand is rising, but so are delinquency rates. In this episode of Credit in Focus, Amy Crawford and Jim Kraus explore new research revealing how lenders are navigating growth, managing risk, and leveraging alternative data, AI, and automation to improve decision precision.

The takeaway? The future belongs to lenders that can combine speed with precision across the entire credit lifecycle.

Listen now and learn why decision precision may be the industry's next competitive advantage.

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© 2026 LexisNexis Risk Solutions.

In this episode of Credit in Focus, we explore how alternative data is helping lenders expand access to credit for thin‑file and credit‑invisible consumers, without increasing risk. Drawing on research from over four million credit card applications, we break down why nearly a quarter of applicants lack a traditional credit footprint and how solutions like RiskView™ make 95% of them scorable.

Join Zach Tondre and Kristin Carlson-Vinjamuri as they unpack key findings, including how positive alternative data can double the likelihood of becoming scorable, improve future credit performance, and drive a 12% increase in approvals. They also explain why financial inclusion and risk management don’t have to be trade-offs—and how lenders can say “yes” with greater confidence.

Tune in to learn how smarter, more complete data is transforming credit decisioning and unlocking growth for lenders and consumers alike.

You can reference our data discussed in the episode here.

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© 2026 LexisNexis Risk Solutions.

Delinquency is rising and confidence in traditional credit data is waning.

In this episode, Carrie Coker, Senior Director of Market Planning for Servicing and Recovery, Denise Cross, Director of Consultative Solutions for Servicing and Recovery and Joe Jarpe, Senior Manager of Data Science, explore delinquency behavior, behavioral risk signals, alternative data and transiency to explain why many consumers enter collections with no recent credit delinquency. 

Learn how reachability, public records, credit invisibility and early warning signals are reshaping collections strategy, prioritization, compliance and recovery performance.

To view the data we discuss in the episode, click here.

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© 2026 LexisNexis Risk Solutions.

As the economic landscape shifts heading deeper into 2026, lenders are navigating a more complex and uneven risk environment defined by widening financial divides, rising delinquencies, regulatory uncertainty and evolving borrower behavior.

In this episode, host Zach Tondre, Director of Market Planning at LexisNexis Risk Solutions, is joined by Carrie Coker, Senior Director of Market Planning for Servicing and Recovery and Amy Crawford, Senior Director of Market Planning for Business Risk Management, to explore how U.S. lenders and servicers are adapting to today’s new risk reality.

Together, they unpack the key credit risk trends shaping 2026, including:

• How a K‑shaped economy is driving credit demand rooted in necessity rather than growth
• Why rising delinquencies are making proactive portfolio monitoring and early intervention more critical
• The downstream servicing and recovery impacts of increased credit card, BNPL and short‑term loan usage
• How tariff volatility and margin pressure are affecting certain small business sectors more than others
• The growing complexity introduced by policy changes around student loans and medical debt
• Why alternative data has moved from “nice to have” to essential across origination, servicing and small business lending

Learn how lenders can sharpen visibility, adapt strategies and make more confident credit decisions in a rapidly changing environment.

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© 2026 LexisNexis Risk Solutions.

In this episode, Kevin King, Vice President of U.S. Credit Markets and Neil Allen, Head of Credit Risk Strategy for UKI explore how alternative credit data is reshaping lending decisions around the world.

Moderated by Stewart Watterson of Datos Insights, the conversation brings together regional perspectives to unpack key findings from the 2025 Alternative Credit Data Impact Report. Together, they examine why lenders are increasingly supplementing traditional credit data, where alternative data is delivering the greatest performance gains and how confidence in these insights continues to grow across markets.

Whether you’re navigating evolving consumer behavior, addressing thin‑file populations or looking to strengthen risk management in a changing credit environment, this episode offers timely insights into where alternative data is headed and why it’s becoming a core component of modern credit decisioning.

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© 2026 LexisNexis Risk Solutions.

As the economy moves deeper into 2026, credit and collections decisions are carrying greater consequences, especially for small businesses. In this episode of Credit in Focus, Carrie Coker and Amy Crawford unpack rising consumer and SMB delinquencies, aggressive federal enforcement and the ripple effects collections can have on local economies. They explore how early-stage intervention, AI-driven propensity-to-pay models and proactive servicing can help lenders improve recoveries while supporting long-term SMB resilience.

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© 2026 LexisNexis Risk Solutions.

In this episode, we explore what “alternative data” means and why defining it matters for credit risk management around the world. Moderated by Stewart Watterson of Datos Insights, LexisNexis Risk Solutions experts Kevin King and Neil Allen discuss the growing complexity of credit data, the challenges caused by inconsistent terminology and the impact on innovation, regulation and consumer trust. 

The conversation introduces a standardized framework for understanding traditional credit data, alternative data, open banking data and emerging data types, with regional perspectives from the US, UKI and global markets. Gain practical insights into how clearer definitions can accelerate adoption, improve risk decisioning and support more inclusive lending outcomes.

For more information and to download the Defining Alternative Data Report and supporting collateral, click here.

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© 2026 LexisNexis Risk Solutions.

As student loan repayments resume after a four-year pause, millions of Americans are feeling the financial strain and so are businesses. In this episode of Credit in Focus, host Carrie Coker, Senior Director of Market Planning, Servicing and Recovery, is joined by Andrea Bell and Andrew Henderson to unpack the ripple effects of student loan obligations on consumer behavior and credit risk management. 

If you’re a collections leader or credit risk professional, this episode delivers practical insights to help you navigate a rapidly changing environment. Tune in to learn how to refine segmentation, optimize workflows, and protect your portfolio as student loan repayment reshapes the credit landscape. Learn More at: Collections & Recovery: Collections Solution.

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© 2026 LexisNexis Risk Solutions.

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© 2026 LexisNexis Risk Solutions.