In this special holiday edition, Emmaline Aliff is joined by Equifax Advisors Tom O’Neill, Dave Sojka, Jesse Hardin, and Maria Urtubey for a “Santa Scorecard” look back at what was naughty or nice in the 2025 economy, and what may change in 2026. The group unpacks AI adoption, rate cuts, equity market resiliency, and rising consumer stress signals—from student loans to auto and mortgage delinquencies. They close with 2026 resolutions, including what they’re watching most closely.

Economist Shandor Whitcher from Moody’s Analytics provides this episode’s macroeconomic update.

What are the key economic themes discussed?

·       AI adoption at the personal and industry level—and its economic impact

·       The state of inflation, growth, and consumer sentiment

·       Federal Reserve rate cuts and what they mean for credit, housing, and auto loans

·       Equity market resiliency and the role of higher-income households

·       Rising delinquencies in student loans, auto, and mortgages

·       Government shutdowns and gaps in economic data

·       The persistence—and possible evolution—of the K-shaped economy

What are the biggest risks heading into 2026?
The panel highlights labor market softening, affordability pressures, consumer reliance on credit, and uncertainty around policy, tariffs, and inflation.

What are the key takeaways for businesses and lenders?

·       Consumer financial health is increasingly uneven across income tiers

·       Credit performance signals require closer monitoring in 2026

·       AI and alternative data sources are becoming essential for economic insight

·       Adaptability and resilience will be critical as uncertainty continues

Have feedback or want to be a guest?
Contact the Equifax Advisors team at [email protected].