Jason Laky, Executive Vice President of Financial Services at TransUnion, returns for the first time since June 2022! Things kick off with a review of past predictions, including a recession forecast and an assessment of the current consumer credit market. Jason is optimistic about stable interest rates and potential regulatory improvements benefiting financial services.

Josh and Jason discuss 2024 lender impacts across mortgage, auto, credit card and FinTech sectors, with a look at the state of consumer financial health. Jason considers whether consumers will adapt to current interest rates to enter the housing market.

Craig and Jason address fraud sophistication and the need for financial institutions to implement better fraud mitigation strategies. They also explore potential disruptions in consumer lending, with Jason predicting generative AI will enhance financial services through improved personalization and efficiency.

Finally, Craig inquires about student loan payments resuming, and the future of mergers and acquisitions in a challenging cost environment.

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.