TransUnion: Extra Credit
Once a month, our card and banking leaders ditch their meetings for microphones to share buzzword-heavy predictions, recent market developments and pressing trends in the U.S. financial industry. Have questions? Want to hear us discuss a specific topic? Email us at ExtraCredit@transunion.com Visit our website at https://www.transunion.com/extracreditpod The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liability for any actions taken based upon the content of this podcast.
Episodes
April 10, 2024 • 33 mins
Matt Spiegel and Patrick White join the podcast this month to discuss the ongoing transformation of marketing strategies and operations.
Josh kicks things off by remarking on the lack of financial advertising in this year’s Super Bowl; Matt discusses how financial services marketers should be connecting brand and performance data for more precise results; and Craig and Patrick discuss the opportunity costs of disconnected datasets,...
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March 12, 2024 • 34 mins
Paul Siegfried who leads the card and banking business at TransUnion returns to Extra Credit for the third time to discuss what’s ahead for card issuers and consumers in 2024.
Paul cautiously forecasts how rates, delinquencies and charge-offs might look by the end of the year; Craig asks what the market can expect to see in terms of unemployment and wage growth; and Josh wants to know how priorities and agendas are looking when bro...
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February 15, 2024 • 31 mins
TransUnion financial services sales leader Stephanie Donaghy joins this month's podcast to ask Craig and Josh about recent trends in the card market — based on key questions she’s hearing from within the industry.
The conversation covers everything from consumer credit health and sentiment continuing into 2024; how consumer spending is impacting balances across risk sectors; and the relationship between utilization and stress.
Jos...
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December 19, 2023 • 26 mins
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 inve...
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December 13, 2023 • 38 mins
SMBC ManuBank CRO Mike Leary joins the podcast this month to discuss the relationship between risk and financial institutions in today’s economic environment.
Mike and Craig discuss the lesser-known risks impacting portfolios today, including hidden buy now, pay later loans and credit score inflation.
Mike weighs in on positioning a card portfolio in uncertain times; explains why some banks are using credit cards as transactional ...
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September 18, 2023 • 35 mins
TransUnion SVP of Auto, Satyan Merchant, joins Craig and Josh this month to discuss emerging trends within the US auto financing market.
We begin with Satyan touching on today’s top auto industry headlines — from supply chain issues and high interest rates impacting consumer affordability to major shifts in market share.
Satyan describes how technology-forward dealerships and lenders are modernizing the industry by offering online-...
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August 18, 2023 • 31 mins
TransUnion Head of US Government Relations, Allison Shuster, returns to Extra Credit this month to discuss the political and legislative activities currently impacting the US financial services industry.
Craig and Allison start by discussing the proposed Fair Credit Reporting Act (FCRA) rulemaking process expected to take place later in 2023, whether government partisanship is as challenging as it’s portrayed in the media, and h...
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June 29, 2023 • 35 mins
Joining Craig and Josh this month is Melissa Koide, Founder and CEO of FinRegLab — a nonprofit organization that tests and researches technology to help inform public policy and advance financial inclusion.
Melissa touches on some of FinRegLab’s key initiatives, including the use of cashflow data to predict credit risk and assess populations with limited or no credit history; new research the organization is doing on machine learni...
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May 24, 2023 • 31 mins
In this month’s episode, credit union leaders Kaylyn Leese and Michael Kelly join Craig and Josh onsite at TransUnion’s 2023 Financial Services Summit in Chicago.
Kaylyn and Michael begin by sharing what they’re excited about within the lending space followed by a discussion of the challenges credit unions are up against — including a competitive market and balancing new technology — as they pursue opportunities to support their me...
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March 28, 2023 • 35 mins
This month on the podcast, TransUnion Chief Information and Technology Officer Abhi Dhar joins Craig and Josh to discuss how credit lenders are contending with technology enablement trends in the financial services industry.
Josh and Abhi kick the conversation off by examining the global business drivers impacting how organizations — and especially leadership — are thinking about technology. Abhi notes how the pandemic accelerated...
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March 1, 2023 • 31 mins
After focusing on market forecast trends in last month’s episode, Craig and Josh are diving deeper to examine the competitive dynamics currently facing issuers — and how technology is shaping that competition. They are joined by David Shipper, a strategic advisor at research firm Aite Novarica with expertise in the card and payment space.
Josh and David start by discussing the power of convenient payment methods, and how alternati...
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February 8, 2023 • 29 mins
To kick off our first episode of the year, TransUnion’s Michele Raneri (VP of Financial Services Research and Consulting) and Kathy Maffei (Sr. Director of Argus Advisory, a TransUnion Company) join this month’s podcast to share their predictions for 2023.
Michele begins with a conversation on originations and delinquencies in the personal loan, mortgage and auto industries, and the resulting impact they could have on consumer cre...
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December 15, 2022 • 23 mins
To close out the year with a bang, December’s Extra Credit episode is a double-header. Paul Siegfried, TransUnion Head of Card and Banking, joins Josh and Craig for a two-part podcast where he shares his perspectives on current consumer and competitive trends in the credit card market, and how issuers can differentiate and position themselves for growth.
Part two of episode 12 kicks off with the second half of the car-themed triv...
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December 14, 2022 • 27 mins
To close out the year with a bang, December’s Extra Credit episode is a double-header. Paul Siegfried, TransUnion Head of Card and Banking, joins Josh and Craig for a two-part podcast where he shares his perspectives on current consumer and competitive trends in the credit card market, and how issuers can differentiate and position themselves for growth.
In part one of episode 12, the conversation explores the financial health of...
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The credit card market is the focus when Craig and Josh sit down with Bill Bostwick, Senior Vice President and Head of Atlanticus’ card division. A veteran leader in the card space, Bill brings deep experience to his role as he partners with banks, retail and healthcare organizations to help the financially underserved manage their financial well-being.
This conversation discusses upcoming challenges in the card market, and explore...
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September 21, 2022 • 35 mins
To gain perspective on where our economy stands and where it’s headed, we’re delighted to welcome Ryan Boyle to this month’s podcast. A macroeconomist at Northern Trust — and TransUnion alumnus — Ryan brings deep knowledge and practical insight on multiple forces at play, giving us a better understanding of what’s actually happening and how.
In this episode, Josh and Craig ask Ryan about the current state of the US economy and how ...
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August 17, 2022 • 29 mins
We’re thrilled to welcome guest Rahul Gupta to this month’s podcast! Having worked in financial tech, banking and payments spaces since the 90s, Rahul brings a wealth of information and insight to the table — and has many thoughts on what card lenders should expect in the coming decade.
In this episode, Craig asks Rahul how new developments in the payments space could impact card lenders — which leads to the group discussing whethe...
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July 27, 2022 • 34 mins
TransUnion’s Jason Laky (Executive VP of Financial Services) joins this month’s episode to discuss the state of the financial services industry — now that we’re just over halfway through 2022.
Craig and Josh inquire about consumer credit health, which Jason says is in very good shape despite a turbulent economy. Jason looks back on some industry predictions he made earlier in the year, including those regarding auto and mortgage ma...
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TransUnion’s Rachel Goldberg (Global Head of External Affairs) and Allison Shuster (Head of U.S. Government Relations) join the podcast this month to discuss US policy initiatives affecting the financial services industry, as well as the current regulatory landscape in Washington D.C.
In this episode, our guests touch on the debate regarding a federal privacy standard and how difficult it’s been for legislation to pass at a federal...
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May 26, 2022 • 18 mins
This month, we’re seeing double with two guests and two episodes! Joining Craig and Josh are Karen Andres (Director of Policy and Market Solutions and Project Director of the Retirement Savings Initiative at the Aspen Institute Financial Security Program) and Josh Sledge (Senior Director of Incubation at the Filene Research Institute, a “think and do tank” in the credit union space).
In part two of this month’s episode, Craig asks...
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