{"version":"https://jsonfeed.org/version/1","title":"TransUnion: Extra Credit ","home_page_url":"https://transunion-extracredit.fireside.fm","feed_url":"https://transunion-extracredit.fireside.fm/json","description":"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.\r\n\r\nHave questions? \r\n \r\nWant to hear us discuss a specific topic?\r\n \r\nEmail us at ExtraCredit@transunion.com\r\nVisit our website at  https://www.transunion.com/extracreditpod\r\n\r\nThe 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.","_fireside":{"subtitle":"A Card \u0026 Banking Podcast by TransUnion","pubdate":"2025-06-17T08:00:00.000-05:00","explicit":false,"copyright":"2025 by TransUnion","owner":"TransUnion","image":"https://media24.fireside.fm/file/fireside-images-2024/podcasts/images/8/8a3552e6-a358-4e3e-88f7-4d10806e327a/cover.jpg?v=1"},"items":[{"id":"655b8a55-78db-4067-8ee4-d5f64fa511b7","title":"Episode 36: Risk, Resilience and the Future of Lending","url":"https://transunion-extracredit.fireside.fm/36","content_text":"DJ Cox joins this month, flipping the script on Craig and Josh with the most-asked questions he’s hearing within the credit and lending space.\n\nAs they reflect on 2025 so far, Josh highlights signs of recovery in card originations and improving delinquency trends. And Craig adds a macro perspective, describing consumers as “cautiously stable” amid mixed economic signals.\n\nLooking ahead, the conversation turns to key risks and opportunities — from tariff uncertainty and returning student loan payments to lenders shifting toward more selective growth strategies. They also examine trends in credit lines and balances, pointing to stable utilization and signs of disciplined behavior among consumers.\n\nThe episode wraps with an assessment of the shrinking private label card market and why it still matters, even against rising competition like buy now, pay later services.\n\nThe 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.","content_html":"\u003cp\u003eDJ Cox joins this month, flipping the script on Craig and Josh with the most-asked questions he’s hearing within the credit and lending space.\u003c/p\u003e\n\n\u003cp\u003eAs they reflect on 2025 so far, Josh highlights signs of recovery in card originations and improving delinquency trends. And Craig adds a macro perspective, describing consumers as “cautiously stable” amid mixed economic signals.\u003c/p\u003e\n\n\u003cp\u003eLooking ahead, the conversation turns to key risks and opportunities — from tariff uncertainty and returning student loan payments to lenders shifting toward more selective growth strategies. They also examine trends in credit lines and balances, pointing to stable utilization and signs of disciplined behavior among consumers.\u003c/p\u003e\n\n\u003cp\u003eThe episode wraps with an assessment of the shrinking private label card market and why it still matters, even against rising competition like buy now, pay later services.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"We’re halfway through 2025 and DJ Cox joins to discuss mid-year credit trends, consumer stability, and the biggest risks and opportunities shaping the lending landscape.","date_published":"2025-06-17T08:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/655b8a55-78db-4067-8ee4-d5f64fa511b7.mp3","mime_type":"audio/mpeg","size_in_bytes":35942691,"duration_in_seconds":1493}]},{"id":"d98db8fb-32e8-479f-ae04-f563ecbcff2a","title":"Episode 35: The Economic Crossroads of Tariffs, Global Trade and Labor Market Trends","url":"https://transunion-extracredit.fireside.fm/35","content_text":"In this special episode, recorded live from TransUnion's annual Financial Services Summit in Chicago, hosts Craig and Josh are joined by Paul Gruenwald, Chief Global Economist at S\u0026amp;P Global Ratings.\n\nThe conversation kicks off with an in-depth exploration of the economic impacts of tariffs, financial implications of tightening federal spending, and why tracking the labor market is key to predicting a recession. Paul then shares his take on the future of the US labor market, including the potential for increased domestic manufacturing, and discusses implications of AI.\n\nShifting gears to global trade, they consider the connections between savings, investments and net exports, and assess the US dollar's status as the global reserve currency. \n\nFinally, they examine significant investments in renewable energy projects and macroeconomic impacts of moving away from a fossil fuel-based economy.\n\nThe 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.","content_html":"\u003cp\u003eIn this special episode, recorded live from TransUnion\u0026#39;s annual Financial Services Summit in Chicago, hosts Craig and Josh are joined by Paul Gruenwald, Chief Global Economist at S\u0026amp;P Global Ratings.\u003c/p\u003e\n\n\u003cp\u003eThe conversation kicks off with an in-depth exploration of the economic impacts of tariffs, financial implications of tightening federal spending, and why tracking the labor market is key to predicting a recession. Paul then shares his take on the future of the US labor market, including the potential for increased domestic manufacturing, and discusses implications of AI.\u003c/p\u003e\n\n\u003cp\u003eShifting gears to global trade, they consider the connections between savings, investments and net exports, and assess the US dollar\u0026#39;s status as the global reserve currency. \u003c/p\u003e\n\n\u003cp\u003eFinally, they examine significant investments in renewable energy projects and macroeconomic impacts of moving away from a fossil fuel-based economy.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Global Economist Paul Gruenwald sits down for a timely discussion of tariffs, federal spending, the labor market, global trade and more.","date_published":"2025-05-27T08:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/d98db8fb-32e8-479f-ae04-f563ecbcff2a.mp3","mime_type":"audio/mpeg","size_in_bytes":46502170,"duration_in_seconds":1919}]},{"id":"8068b91a-b4e9-4919-8b9d-4753150d3d93","title":"Episode 34: A Cautiously Optimistic Consumer Credit Market","url":"https://transunion-extracredit.fireside.fm/34","content_text":"TransUnion Sales VP Brad Deja is in the studio this month to talk shop!\n\nJosh starts by highlighting signs of a stabilizing market, including a slower decline in loan originations and the return of prime and below prime card issuance to pre-pandemic levels.\n\nBrad inquires about market expectations for Q1, noting a number of consumers are still struggling with inflation. Craig explains why he believes consumer credit health is evening out despite these challenges.\n\nWhen asked about the continued decline in originations, Josh attributes this to issuers’ caution — while also pointing out positive demand signs in higher credit tiers.\n\nThe conversation then shifts to current trends in card balances and utilization; Brad wonders whether delinquencies have peaked yet; and finally, Craig notes the most pertinent fraud challenges facing lenders today.\n\nThe 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.","content_html":"\u003cp\u003eTransUnion Sales VP Brad Deja is in the studio this month to talk shop!\u003c/p\u003e\n\n\u003cp\u003eJosh starts by highlighting signs of a stabilizing market, including a slower decline in loan originations and the return of prime and below prime card issuance to pre-pandemic levels.\u003c/p\u003e\n\n\u003cp\u003eBrad inquires about market expectations for Q1, noting a number of consumers are still struggling with inflation. Craig explains why he believes consumer credit health is evening out despite these challenges.\u003c/p\u003e\n\n\u003cp\u003eWhen asked about the continued decline in originations, Josh attributes this to issuers’ caution — while also pointing out positive demand signs in higher credit tiers.\u003c/p\u003e\n\n\u003cp\u003eThe conversation then shifts to current trends in card balances and utilization; Brad wonders whether delinquencies have peaked yet; and finally, Craig notes the most pertinent fraud challenges facing lenders today.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"TransUnion's Brad Deja joins Craig and Josh to explore the latest industry trends, including shifting origination and delinquency patterns, inflation challenges, consumer credit health and plenty more.","date_published":"2025-02-21T08:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/8068b91a-b4e9-4919-8b9d-4753150d3d93.mp3","mime_type":"audio/mpeg","size_in_bytes":37840236,"duration_in_seconds":1573}]},{"id":"62ff76d0-49bc-4c7e-9279-02ee292a0bdf","title":"Episode 33: 2024 in Review: From Past Predictions to Future Insights","url":"https://transunion-extracredit.fireside.fm/33","content_text":"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.\n\nJosh 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.\n\nCraig 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.\n\nFinally, Craig inquires about student loan payments resuming, and the future of mergers and acquisitions in a challenging cost environment.\n\nThe 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.","content_html":"\u003cp\u003eJason 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.\u003c/p\u003e\n\n\u003cp\u003eJosh 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.\u003c/p\u003e\n\n\u003cp\u003eCraig 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.\u003c/p\u003e\n\n\u003cp\u003eFinally, Craig inquires about student loan payments resuming, and the future of mergers and acquisitions in a challenging cost environment.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"TransUnion's Jason Laky is back to review past predictions, assess the current consumer credit market and discuss future impacts on lending.","date_published":"2024-12-19T05:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/62ff76d0-49bc-4c7e-9279-02ee292a0bdf.mp3","mime_type":"audio/mpeg","size_in_bytes":48953480,"duration_in_seconds":2441}]},{"id":"bef5871b-9f50-4fe8-841e-d9f0873f4011","title":"Episode 32: Risky Business: Tackling Fraud Threats in a Shifting Card Market","url":"https://transunion-extracredit.fireside.fm/32","content_text":"TransUnion Sales VP Danielle Parry-Hill joins the podcast this month to discuss the state of the card market and growing concerns around fraud.\n\nDanielle and Josh kick things off by noting while originations are down, charge-offs, delinquencies and card utilization are rising. Danielle raises a key question from CFIs: Have delinquencies peaked? Craig advises issuers to adjust their risk strategies accordingly.\n\nDanielle points out CFIs are now facing significant fraud challenges, including bots testing identities. Josh highlights the surge in early default losses on credit cards and growing difficulty in managing fraud due to synthetic identities and first-party fraud.\n\nCraig shifts the focus to bankruptcy, noting while rates are low, increased debt settlements might be hiding underlying risks — and lastly, explains why private label cards have become riskier than bankcards.\n\nThe 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.","content_html":"\u003cp\u003eTransUnion Sales VP Danielle Parry-Hill joins the podcast this month to discuss the state of the card market and growing concerns around fraud.\u003c/p\u003e\n\n\u003cp\u003eDanielle and Josh kick things off by noting while originations are down, charge-offs, delinquencies and card utilization are rising. Danielle raises a key question from CFIs: Have delinquencies peaked? Craig advises issuers to adjust their risk strategies accordingly.\u003c/p\u003e\n\n\u003cp\u003eDanielle points out CFIs are now facing significant fraud challenges, including bots testing identities. Josh highlights the surge in early default losses on credit cards and growing difficulty in managing fraud due to synthetic identities and first-party fraud.\u003c/p\u003e\n\n\u003cp\u003eCraig shifts the focus to bankruptcy, noting while rates are low, increased debt settlements might be hiding underlying risks — and lastly, explains why private label cards have become riskier than bankcards.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Guest Danielle Parry-Hill dives into the latest card market trends with Josh and Craig — from rising delinquencies and charge-offs to the growing fraud challenges CFIs face.","date_published":"2024-11-22T07:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/bef5871b-9f50-4fe8-841e-d9f0873f4011.mp3","mime_type":"audio/mpeg","size_in_bytes":38212902,"duration_in_seconds":1589}]},{"id":"ed8b1196-aab6-4f6d-b3bf-d8165cae0a87","title":"Episode 31: Modernizing Touchpoints Across the Card Consumer Lifecycle ","url":"https://transunion-extracredit.fireside.fm/31","content_text":"With Steve Manion joining the podcast this month, the conversation kicks off with a year-over-year review of consumer card usage. Josh examines shifts in bankcard balance and origination growth; Craig reveals which consumers are taking on far less new debt; and Steve wants to know how current charge-off balances compare to pre-COVID levels.\n\nSteve and Craig then discuss how lenders are leveraging technology to enhance marketing and speed to market. Josh emphasizes the need for lenders to diversify their consumer engagement tactics, ensuring relevant offers at every touchpoint and channel, and delivering personalized experiences efficiently.\n\nCraig details the ‘strategic imperatives’ for issuers in 2024 — including efficiency in marketing, evolving fraud threats, changing regulatory environments and the role of artificial intelligence — and Steve asks if higher fraud rates are being observed in certain channels compared to others.\n\nThe 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.","content_html":"\u003cp\u003eWith Steve Manion joining the podcast this month, the conversation kicks off with a year-over-year review of consumer card usage. Josh examines shifts in bankcard balance and origination growth; Craig reveals which consumers are taking on far less new debt; and Steve wants to know how current charge-off balances compare to pre-COVID levels.\u003c/p\u003e\n\n\u003cp\u003eSteve and Craig then discuss how lenders are leveraging technology to enhance marketing and speed to market. Josh emphasizes the need for lenders to diversify their consumer engagement tactics, ensuring relevant offers at every touchpoint and channel, and delivering personalized experiences efficiently.\u003c/p\u003e\n\n\u003cp\u003eCraig details the ‘strategic imperatives’ for issuers in 2024 — including efficiency in marketing, evolving fraud threats, changing regulatory environments and the role of artificial intelligence — and Steve asks if higher fraud rates are being observed in certain channels compared to others.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Craig and Josh discuss card performance trends, technological advancements in lending and the most pressing objectives for card issuers with Steve Manion, Card and Banking Sales VP at TransUnion.","date_published":"2024-08-22T07:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/ed8b1196-aab6-4f6d-b3bf-d8165cae0a87.mp3","mime_type":"audio/mpeg","size_in_bytes":57109913,"duration_in_seconds":2374}]},{"id":"6ee4b56b-b54b-410d-ae3e-876e649cc62d","title":"Episode 30: Bridging the Generational Gap in Community Banking","url":"https://transunion-extracredit.fireside.fm/30","content_text":"Part Two: Live From TransUnion’s 2024 Financial Services Summit, Las Vegas\n\nIn part two of the 2024 FS Summit episode, TransUnion’s Sean Flynn sits down with Union Credit co-founder and CRO Barry Kirby to highlight some key challenges facing credit unions today.\n\nSean and Barry start by discussing the contradiction credit unions are running into as they balance growing their young member bases with needing more deposits due to liquidity constraints. \n\nBarry shares the widening average age gap between credit union members (57) and US consumers (37), and describes why educating younger generations on the benefits of credit unions is critical for the health of the entire banking system.\n\nSean notes how Barry’s company helps community banks automate and scale in new ways, leading him to wonder what kind of fraud Barry is seeing these days and how credit unions are responding. \n\nFinally, Barry looks back on 25 years as an entrepreneur in the community banking space to offer advice for those pursuing a similar path.\n\nThe 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.","content_html":"\u003cp\u003e\u003cstrong\u003e\u003cem\u003ePart Two: Live From TransUnion’s 2024 Financial Services Summit, Las Vegas\u003c/em\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eIn part two of the 2024 FS Summit episode, TransUnion’s Sean Flynn sits down with Union Credit co-founder and CRO Barry Kirby to highlight some key challenges facing credit unions today.\u003c/p\u003e\n\n\u003cp\u003eSean and Barry start by discussing the contradiction credit unions are running into as they balance growing their young member bases with needing more deposits due to liquidity constraints. \u003c/p\u003e\n\n\u003cp\u003eBarry shares the widening average age gap between credit union members (57) and US consumers (37), and describes why educating younger generations on the benefits of credit unions is critical for the health of the entire banking system.\u003c/p\u003e\n\n\u003cp\u003eSean notes how Barry’s company helps community banks automate and scale in new ways, leading him to wonder what kind of fraud Barry is seeing these days and how credit unions are responding. \u003c/p\u003e\n\n\u003cp\u003eFinally, Barry looks back on 25 years as an entrepreneur in the community banking space to offer advice for those pursuing a similar path.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Union Credit’s Barry Kirby and TransUnion’s Sean Flynn are live from TransUnion’s annual Financial Services Summit to discuss the importance of credit unions appealing to younger generations.","date_published":"2024-06-17T06:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/6ee4b56b-b54b-410d-ae3e-876e649cc62d.mp3","mime_type":"audio/mpeg","size_in_bytes":20680300,"duration_in_seconds":853}]},{"id":"58d495c5-e940-4771-ba96-da72781f5394","title":"Episode 29: Credit Union Strategies for Consumers Facing Financial Pressure","url":"https://transunion-extracredit.fireside.fm/29","content_text":"Part One: Live From TransUnion’s 2024 Financial Services Summit, Las Vegas\n\nIn part one of the 2024 FS Summit episode, credit union VPs Heather Dufourny (Service Credit Union) and Heather Sullivan (Randolph-Brooks Federal Credit Union) sit down with Craig and Josh in Las Vegas to discuss the goings-on in the credit union industry.\n\nCraig is curious to hear which products members are most interested in, and wonders how Dufourny’s and Sullivan’s credit unions are responding to the financial squeeze many members are experiencing. \n\nDufourny and Sullivan share how each of their organizations are utilizing this slow period — from preparing for an eventual refinance boom to diversifying portfolios — and agree balancing a seamless member experience with the need for increased fraud controls has been a challenge within the industry.\n\nJosh wraps things up by asking which key elements they’re focusing on to draw in a younger demographic, and is keen to know how a credit union decides when to bring in new technology or systems.\n\nThe 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.","content_html":"\u003cp\u003e\u003cstrong\u003e\u003cem\u003ePart One: Live From TransUnion’s 2024 Financial Services Summit, Las Vegas\u003c/em\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eIn part one of the 2024 FS Summit episode, credit union VPs Heather Dufourny (Service Credit Union) and Heather Sullivan (Randolph-Brooks Federal Credit Union) sit down with Craig and Josh in Las Vegas to discuss the goings-on in the credit union industry.\u003c/p\u003e\n\n\u003cp\u003eCraig is curious to hear which products members are most interested in, and wonders how Dufourny’s and Sullivan’s credit unions are responding to the financial squeeze many members are experiencing. \u003c/p\u003e\n\n\u003cp\u003eDufourny and Sullivan share how each of their organizations are utilizing this slow period — from preparing for an eventual refinance boom to diversifying portfolios — and agree balancing a seamless member experience with the need for increased fraud controls has been a challenge within the industry.\u003c/p\u003e\n\n\u003cp\u003eJosh wraps things up by asking which key elements they’re focusing on to draw in a younger demographic, and is keen to know how a credit union decides when to bring in new technology or systems.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Credit union VPs Heather Dufourny and Heather Sullivan are onsite at the 2024 Financial Services Summit discussing meeting members’ needs when times are tight, drawing in a younger demographic, and plenty more.","date_published":"2024-06-06T08:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/58d495c5-e940-4771-ba96-da72781f5394.mp3","mime_type":"audio/mpeg","size_in_bytes":20224718,"duration_in_seconds":840}]},{"id":"97e2a409-70cd-468c-99bb-c3855912a7a5","title":"Episode 28: Trends in the Card Industry: From Generational Preferences to Responding to Risk ","url":"https://transunion-extracredit.fireside.fm/28","content_text":"Guest FJ Guarrera puts Craig and Josh in the hot seat this month with questions around recent consumer performance, trends and preferences in the card industry. \n\nThe conversation kicks off with a macroeconomic view of the market since last quarter — ranging from consumer sentiments to card balances and originations to the impact consumer stress levels are having on their financial health.\n\nFJ asks how issuers should be responding to elevated risk in the marketplace, and Josh shares strategies lenders might consider to alleviate some of that pressure. \n\nCraig shares an update on the private label market; Josh weighs in on when migrating scores may start to normalize; and the conversation ultimately shifts to what issuers can be doing to better understand Gen Z preferences and behaviors — particularly given market dynamics over the last few years.\n\nThe 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.","content_html":"\u003cp\u003eGuest FJ Guarrera puts Craig and Josh in the hot seat this month with questions around recent consumer performance, trends and preferences in the card industry. \u003c/p\u003e\n\n\u003cp\u003eThe conversation kicks off with a macroeconomic view of the market since last quarter — ranging from consumer sentiments to card balances and originations to the impact consumer stress levels are having on their financial health.\u003c/p\u003e\n\n\u003cp\u003eFJ asks how issuers should be responding to elevated risk in the marketplace, and Josh shares strategies lenders might consider to alleviate some of that pressure. \u003c/p\u003e\n\n\u003cp\u003eCraig shares an update on the private label market; Josh weighs in on when migrating scores may start to normalize; and the conversation ultimately shifts to what issuers can be doing to better understand Gen Z preferences and behaviors — particularly given market dynamics over the last few years.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Financial Services Sales VP FJ Guarrera quizzes Craig and Josh on the state of the card market.","date_published":"2024-05-13T05:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/97e2a409-70cd-468c-99bb-c3855912a7a5.mp3","mime_type":"audio/mpeg","size_in_bytes":43498238,"duration_in_seconds":1808}]},{"id":"f7dc971a-65aa-4b8c-9f6f-ef97a889b748","title":"Episode 27: The Evolving Role of Data in Financial Services Marketing","url":"https://transunion-extracredit.fireside.fm/27","content_text":"Matt Spiegel and Patrick White join the podcast this month to discuss the ongoing transformation of marketing strategies and operations.\n\nJosh 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, including deterministic versus probabilistic data matching.\n\nPlus, Josh details some surprising marketing solicitations he’s received from his bank; Patrick describes three things lenders can focus on to ensure they’re maximizing their customer insights; and Matt shares marketing tactics financial organizations should consider that can be achieved on any budget. \n\nThe 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.","content_html":"\u003cp\u003eMatt Spiegel and Patrick White join the podcast this month to discuss the ongoing transformation of marketing strategies and operations.\u003c/p\u003e\n\n\u003cp\u003eJosh 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, including deterministic versus probabilistic data matching.\u003c/p\u003e\n\n\u003cp\u003ePlus, Josh details some surprising marketing solicitations he’s received from his bank; Patrick describes three things lenders can focus on to ensure they’re maximizing their customer insights; and Matt shares marketing tactics financial organizations should consider that can be achieved on any budget. \u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Financial services marketing experts Matt Spiegel and Patrick White are here to discuss data precision in marketing, connecting the dots with customer insights, and plenty more.","date_published":"2024-04-10T03:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/f7dc971a-65aa-4b8c-9f6f-ef97a889b748.mp3","mime_type":"audio/mpeg","size_in_bytes":47984619,"duration_in_seconds":1995}]},{"id":"2a4e724d-e5ea-4ee7-a291-e0cb0fa0ce16","title":"Episode 26: The Implications of a ‘Higher for Longer’ Market  ","url":"https://transunion-extracredit.fireside.fm/26","content_text":"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.\n\nPaul 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 broken out by segment.\n\nPlus, Josh digs into whether fraud has really evolved (or does it just feel different in this economy?); Craig shares a scheme fraudsters recently tried (and failed) to pull on him; and Paul offers advice to issuers struggling to feel confident in today’s environment.\n\nThe 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.","content_html":"\u003cp\u003ePaul 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.\u003c/p\u003e\n\n\u003cp\u003ePaul 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 broken out by segment.\u003c/p\u003e\n\n\u003cp\u003ePlus, Josh digs into whether fraud has really evolved (or does it just feel different in this economy?); Craig shares a scheme fraudsters recently tried (and failed) to pull on him; and Paul offers advice to issuers struggling to feel confident in today’s environment.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Paul Siegfried is back to read the tea leaves and discuss how rates, delinquencies, fraud schemes and more might transpire in 2024.","date_published":"2024-03-12T05:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/2a4e724d-e5ea-4ee7-a291-e0cb0fa0ce16.mp3","mime_type":"audio/mpeg","size_in_bytes":49664579,"duration_in_seconds":2064}]},{"id":"09e811c1-c01d-462a-836b-d1bdd57d5c7c","title":"Episode 25: How Will Recent Card Performance Impact Issuers in 2024?","url":"https://transunion-extracredit.fireside.fm/25","content_text":"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.\n\nThe 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. \n\nJosh and Stephanie also discuss the right balance of anti-fraud measures within application experiences geared toward younger consumers. Craig speaks to private label card balances being at an all-time high, and Josh weighs in on the drivers and impacts of high delinquency rates and charge-off balances.\n\nThe 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.","content_html":"\u003cp\u003eTransUnion financial services sales leader Stephanie Donaghy joins this month\u0026#39;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.\u003c/p\u003e\n\n\u003cp\u003eThe 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. \u003c/p\u003e\n\n\u003cp\u003eJosh and Stephanie also discuss the right balance of anti-fraud measures within application experiences geared toward younger consumers. Craig speaks to private label card balances being at an all-time high, and Josh weighs in on the drivers and impacts of high delinquency rates and charge-off balances.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Stephanie Donaghy joins this month's podcast to discuss recent stats coming out of the card market, challenges issuers face with gearing application experiences toward Gen Z, and plenty more.","date_published":"2024-02-15T03:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/09e811c1-c01d-462a-836b-d1bdd57d5c7c.mp3","mime_type":"audio/mpeg","size_in_bytes":45300141,"duration_in_seconds":1884}]},{"id":"9d89024b-89a6-40a8-a79d-863bff46da93","title":"Episode 24: The Events, Trends and Dynamics That Shaped Lending in 2023","url":"https://transunion-extracredit.fireside.fm/24","content_text":"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. \n\nTaking a more micro view of the market over these last 12 months, Josh highlights interesting patterns around originations, delinquencies and card balances; discusses lender investments into marketing and fraud programs; looks at capital markets and consumer affordability; and describes the impact and uncertainty stemming from increased regulations.\n\nFinally, Craig and Josh look back at some memorable guests and episodes from 2023, and give a peek at what listeners can expect to hear on Extra Credit in the new year.\n\nThe 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.","content_html":"\u003cp\u003eCraig 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. \u003c/p\u003e\n\n\u003cp\u003eTaking a more micro view of the market over these last 12 months, Josh highlights interesting patterns around originations, delinquencies and card balances; discusses lender investments into marketing and fraud programs; looks at capital markets and consumer affordability; and describes the impact and uncertainty stemming from increased regulations.\u003c/p\u003e\n\n\u003cp\u003eFinally, Craig and Josh look back at some memorable guests and episodes from 2023, and give a peek at what listeners can expect to hear on Extra Credit in the new year.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Craig and Josh reflect back on the events that took place in 2023, how markets were impacted, and what to expect in 2024.","date_published":"2023-12-19T03:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/9d89024b-89a6-40a8-a79d-863bff46da93.mp3","mime_type":"audio/mpeg","size_in_bytes":37621087,"duration_in_seconds":1567}]},{"id":"361ee2cc-8d13-4073-a087-b88384ee6f68","title":"Episode 23: Navigating Risk in an Uncertain Market","url":"https://transunion-extracredit.fireside.fm/23","content_text":"SMBC ManuBank CRO Mike Leary joins the podcast this month to discuss the relationship between risk and financial institutions in today’s economic environment.\n\nMike and Craig discuss the lesser-known risks impacting portfolios today, including hidden buy now, pay later loans and credit score inflation. \n\nMike weighs in on positioning a card portfolio in uncertain times; explains why some banks are using credit cards as transactional products; and stresses the need for working tools to properly assess the stability of consumer credit scores.\n\nJosh asks for Mike’s opinion on which market innovations hold the most promise or red flags, and Mike ideates on what younger generations of employees can do to be successful in today’s unusual workforce.\n\nPlus, Mike thinks back on his time as a collegiate cross country athlete and how a team-oriented mentality has helped positively shape his career.  \n\nThe 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.","content_html":"\u003cp\u003eSMBC ManuBank CRO Mike Leary joins the podcast this month to discuss the relationship between risk and financial institutions in today’s economic environment.\u003c/p\u003e\n\n\u003cp\u003eMike and Craig discuss the lesser-known risks impacting portfolios today, including hidden buy now, pay later loans and credit score inflation. \u003c/p\u003e\n\n\u003cp\u003eMike weighs in on positioning a card portfolio in uncertain times; explains why some banks are using credit cards as transactional products; and stresses the need for working tools to properly assess the stability of consumer credit scores.\u003c/p\u003e\n\n\u003cp\u003eJosh asks for Mike’s opinion on which market innovations hold the most promise or red flags, and Mike ideates on what younger generations of employees can do to be successful in today’s unusual workforce.\u003c/p\u003e\n\n\u003cp\u003ePlus, Mike thinks back on his time as a collegiate cross country athlete and how a team-oriented mentality has helped positively shape his career.  \u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Mike Leary talks all things risk: its current impact on portfolios, related market innovations with the most promise, and advice for junior analysts entering the workforce.","date_published":"2023-12-13T03:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/361ee2cc-8d13-4073-a087-b88384ee6f68.mp3","mime_type":"audio/mpeg","size_in_bytes":54842851,"duration_in_seconds":2283}]},{"id":"0fffcfb7-168a-4f82-9f4b-f4c989320a0e","title":"Episode 22: The Transitioning Landscape of Auto Financing ","url":"https://transunion-extracredit.fireside.fm/22","content_text":"TransUnion SVP of Auto, Satyan Merchant, joins Craig and Josh this month to discuss emerging trends within the US auto financing market.\n\nWe 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.\n\nSatyan describes how technology-forward dealerships and lenders are modernizing the industry by offering online-to-offline car shopping experiences, and shares how lenders should be thinking about the growing number of credit-active Gen Z consumers. \n\nJosh and Craig ask for Satyan’s opinion on the future of vehicle values and supply, and what that means from a credit standpoint; they discuss the return of incentive programs; and Satyan draws comparisons between the auto and mortgage financing markets. \n\n*Plus, take a look at the TransUnion study Satyan references in the episode: https://www.transunion.com/lp/impact-of-unsettled-vehicle-values\n\nThe 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.","content_html":"\u003cp\u003eTransUnion SVP of Auto, Satyan Merchant, joins Craig and Josh this month to discuss emerging trends within the US auto financing market.\u003c/p\u003e\n\n\u003cp\u003eWe 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.\u003c/p\u003e\n\n\u003cp\u003eSatyan describes how technology-forward dealerships and lenders are modernizing the industry by offering online-to-offline car shopping experiences, and shares how lenders should be thinking about the growing number of credit-active Gen Z consumers. \u003c/p\u003e\n\n\u003cp\u003eJosh and Craig ask for Satyan’s opinion on the future of vehicle values and supply, and what that means from a credit standpoint; they discuss the return of incentive programs; and Satyan draws comparisons between the auto and mortgage financing markets. \u003c/p\u003e\n\n\u003cp\u003e*Plus, take a look at the TransUnion study Satyan references in the episode: \u003ca href=\"https://www.transunion.com/lp/impact-of-unsettled-vehicle-values\" rel=\"nofollow\"\u003ehttps://www.transunion.com/lp/impact-of-unsettled-vehicle-values\u003c/a\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Satyan Merchant weighs in on the emerging trends, supply challenges and generational shifts impacting today’s auto finance industry.","date_published":"2023-09-18T03:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/0fffcfb7-168a-4f82-9f4b-f4c989320a0e.mp3","mime_type":"audio/mpeg","size_in_bytes":51836971,"duration_in_seconds":2158}]},{"id":"abde6fea-abe1-4de9-94b3-1eb9f6a647d4","title":"Episode 21: The US Policies and Regulations Impacting the Financial Services Sector Today","url":"https://transunion-extracredit.fireside.fm/21","content_text":"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.   \n\nCraig 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 how legislators are turning to the private sector to help inform policy decisions. \n\nNext Josh and Allison talk about the major focus areas for regulators that might not be as headline-grabbing, including a politically-stalled federal privacy standard and AI governance concerns cropping up in both the Senate and Congress.\n\nFinally, Josh asks Allison how the upcoming presidential election cycle will impact the pace of legislation; they discuss how states are looking at the use and treatment of medical debt on the credit file; and Allison urges listeners to pay attention to the uptick in agency activity (particularly from the CFPB and FHFA) within the housing market. \n\nThe 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.","content_html":"\u003cp\u003eTransUnion 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.   \u003c/p\u003e\n\n\u003cp\u003eCraig 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 how legislators are turning to the private sector to help inform policy decisions. \u003c/p\u003e\n\n\u003cp\u003eNext Josh and Allison talk about the major focus areas for regulators that might not be as headline-grabbing, including a politically-stalled federal privacy standard and AI governance concerns cropping up in both the Senate and Congress.\u003c/p\u003e\n\n\u003cp\u003eFinally, Josh asks Allison how the upcoming presidential election cycle will impact the pace of legislation; they discuss how states are looking at the use and treatment of medical debt on the credit file; and Allison urges listeners to pay attention to the uptick in agency activity (particularly from the CFPB and FHFA) within the housing market. \u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"US policy expert Allison Shuster returns to Extra Credit to discuss government partisanship, data privacy and AI governance, agency activity in the housing market, and more.   ","date_published":"2023-08-18T02:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/abde6fea-abe1-4de9-94b3-1eb9f6a647d4.mp3","mime_type":"audio/mpeg","size_in_bytes":45914163,"duration_in_seconds":1911}]},{"id":"a3c5f5b9-1443-4cc6-a2b0-f68a9e96d91e","title":"Episode 20: Advancing Financial Inclusion: A Story of Policy, Data and Technology","url":"https://transunion-extracredit.fireside.fm/20","content_text":"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.\n\nMelissa 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 learning algorithms being used in financial services; and a partnership with Kenya’s government, banks and bureaus to determine the optimal data insights needed for credit risk assessing women-owned small businesses.\n\nThe group also discusses regulatory uncertainties keeping the financial industry from wider adoption of new types of data, and muses over the laws and regulations that could one day surround artificial intelligence and platforms like ChatGPT.\n\nFinally, Josh tests Melissa’s Kentucky knowledge with some light trivia about her hometown.\n\nThe 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.","content_html":"\u003cp\u003eJoining 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.\u003c/p\u003e\n\n\u003cp\u003eMelissa 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 learning algorithms being used in financial services; and a partnership with Kenya’s government, banks and bureaus to determine the optimal data insights needed for credit risk assessing women-owned small businesses.\u003c/p\u003e\n\n\u003cp\u003eThe group also discusses regulatory uncertainties keeping the financial industry from wider adoption of new types of data, and muses over the laws and regulations that could one day surround artificial intelligence and platforms like ChatGPT.\u003c/p\u003e\n\n\u003cp\u003eFinally, Josh tests Melissa’s Kentucky knowledge with some light trivia about her hometown.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"FinRegLab CEO Melissa Koide joins us this month to discuss how her organization is working toward a more inclusive marketplace via innovations in public policy, technology, data-risk decisioning and more.","date_published":"2023-06-29T02:45:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/a3c5f5b9-1443-4cc6-a2b0-f68a9e96d91e.mp3","mime_type":"audio/mpeg","size_in_bytes":51008405,"duration_in_seconds":2124}]},{"id":"3020103b-7a95-4f87-908b-df4b8417da6f","title":"Episode 19: The Pressures and Opportunities Facing Credit Unions","url":"https://transunion-extracredit.fireside.fm/19","content_text":"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.\n\nKaylyn 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 members and communities.\nOur guests then weigh in on the pressure credit unions are facing to deliver high-touch, digital experiences; Josh wonders how each of their credit unions is handling change management initiatives; and the group discusses how automating processes can be very positive for employees willing to take on new skills and grow in their careers.\n\nPlus, Craig and Josh are put to the test when Kaylyn and Michael ask some questions in return! Our hosts offer their perspectives on the future of the mortgage industry, as well as explore potential fraud concerns that could arise from growing consumer pressures around immediacy in lending.\nFinally, to celebrate recording onsite in Chicago, Craig and Josh quiz our guests on some fun Windy City history.\n\nThe 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.","content_html":"\u003cp\u003eIn 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.\u003c/p\u003e\n\n\u003cp\u003eKaylyn 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 members and communities.\u003cbr\u003e\nOur guests then weigh in on the pressure credit unions are facing to deliver high-touch, digital experiences; Josh wonders how each of their credit unions is handling change management initiatives; and the group discusses how automating processes can be very positive for employees willing to take on new skills and grow in their careers.\u003c/p\u003e\n\n\u003cp\u003ePlus, Craig and Josh are put to the test when Kaylyn and Michael ask some questions in return! Our hosts offer their perspectives on the future of the mortgage industry, as well as explore potential fraud concerns that could arise from growing consumer pressures around immediacy in lending.\u003cbr\u003e\nFinally, to celebrate recording onsite in Chicago, Craig and Josh quiz our guests on some fun Windy City history.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Recording live from TransUnion’s 2023 Financial Services Summit in Chicago! Kaylyn Leese, Lending Systems Manager at University Federal Credit Union and Michael Kelly, AVP of Consumer Lending at Desert Financial Credit Union join the podcast this month to discuss the challenges and opportunities facing credit unions at present and in the future. ","date_published":"2023-05-24T03:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/3020103b-7a95-4f87-908b-df4b8417da6f.mp3","mime_type":"audio/mpeg","size_in_bytes":45015281,"duration_in_seconds":1873}]},{"id":"3d9f8d6f-7bab-4050-9632-67b7bd1283b8","title":"Episode 18: The Financial Services Industry’s Evolving Relationship With Technology","url":"https://transunion-extracredit.fireside.fm/18","content_text":"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. \n\nJosh 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 cloud adoption for many financial institutions, and emphasizes how important it is for business leaders to appeal to engineering talent. \n\nAbhi then addresses what lenders can do to better adapt to these significant market changes, and Craig asks Abhi for his opinion on how tech can improve global consumer access to financial services or financial outcomes.\n\nFinally, Josh tests our guest’s knowledge of an old favorite band of his: The Chemical Brothers! \n\nThe 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.","content_html":"\u003cp\u003eThis 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. \u003c/p\u003e\n\n\u003cp\u003eJosh 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 cloud adoption for many financial institutions, and emphasizes how important it is for business leaders to appeal to engineering talent. \u003c/p\u003e\n\n\u003cp\u003eAbhi then addresses what lenders can do to better adapt to these significant market changes, and Craig asks Abhi for his opinion on how tech can improve global consumer access to financial services or financial outcomes.\u003c/p\u003e\n\n\u003cp\u003eFinally, Josh tests our guest’s knowledge of an old favorite band of his: The Chemical Brothers! \u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"TransUnion CITO Abhi Dhar joins this month’s episode to discuss how technology is being adopted and leveraged in the financial services industry, and the importance of lenders appealing to top tech talent.","date_published":"2023-03-28T03:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/3d9f8d6f-7bab-4050-9632-67b7bd1283b8.mp3","mime_type":"audio/mpeg","size_in_bytes":51247043,"duration_in_seconds":2133}]},{"id":"2e497bb5-abf8-4929-85ef-bd0752163492","title":"Episode 17: The Competitive Shifts Shaping the Credit Card Market","url":"https://transunion-extracredit.fireside.fm/17","content_text":"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. \n\nJosh and David start by discussing the power of convenient payment methods, and how alternative digital payment apps are creating shifts in the market. David points out key customer-centric trends being overlooked by many financial institutions, while highlighting opportunities for banks willing to examine their own internal processes and digital strategies. \n\nJosh and Craig then ask David to share his advice for smaller FIs without large tech budgets, and the steps they can take to compete for market share; they discuss the growing number of partnerships between fintechs and banks; and Craig and David discuss banks’ debit card and deposit populations as a source of potential card growth.\nFinally, David dominates Josh’s credit-themed trivia questions!\n\nThe 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.","content_html":"\u003cp\u003eAfter 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. \u003c/p\u003e\n\n\u003cp\u003eJosh and David start by discussing the power of convenient payment methods, and how alternative digital payment apps are creating shifts in the market. David points out key customer-centric trends being overlooked by many financial institutions, while highlighting opportunities for banks willing to examine their own internal processes and digital strategies. \u003c/p\u003e\n\n\u003cp\u003eJosh and Craig then ask David to share his advice for smaller FIs without large tech budgets, and the steps they can take to compete for market share; they discuss the growing number of partnerships between fintechs and banks; and Craig and David discuss banks’ debit card and deposit populations as a source of potential card growth.\u003cbr\u003e\nFinally, David dominates Josh’s credit-themed trivia questions!\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Strategic advisor at Aite Novarica, David Shipper, joins this month’s podcast to discuss how technology is shaping the credit card space – and what it means for issuers. ","date_published":"2023-03-01T03:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/2e497bb5-abf8-4929-85ef-bd0752163492.mp3","mime_type":"audio/mpeg","size_in_bytes":45098221,"duration_in_seconds":1877}]},{"id":"4f52e909-8f55-44a7-aea6-79df36764eeb","title":"Episode 16: A Look at Consumer Credit Behavior and Trends in 2023","url":"https://transunion-extracredit.fireside.fm/16","content_text":"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. \n\nMichele 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 credit health in the US. She and Craig discuss how consumers are still quitting their jobs in record numbers — despite believing a recession is coming — and what that means for consumer confidence around personal finances. Michele also explains why she believes the auto industry will see a much-needed bolster in 2023, while the personal loan sector could be facing some challenges.  \n\nNext, Kathy and Josh look at the growth and strength of credit cards and deposits in a post-COVID rate environment, with Kathy noting banks should be focused on the ‘total customer perspective’ by emphasizing customer loyalty with multiple products across a singular financial institution. Kathy and Josh also discuss the importance of continuing to grow balances amid challenging credit losses, and the opportunities credit card issuers can find simply by focusing on the middle of their portfolios. \n\nFinally, we get to know Michele and Kathy a little better in a lightning round of questions on their favorite topics (outside of financial services, of course): running and geography!\n— \nFor questions or to suggest an episode topic, please email ExtraCredit@transunion.com.\n\nThe 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.","content_html":"\u003cp\u003eTo 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. \u003c/p\u003e\n\n\u003cp\u003eMichele 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 credit health in the US. She and Craig discuss how consumers are still quitting their jobs in record numbers — despite believing a recession is coming — and what that means for consumer confidence around personal finances. Michele also explains why she believes the auto industry will see a much-needed bolster in 2023, while the personal loan sector could be facing some challenges.  \u003c/p\u003e\n\n\u003cp\u003eNext, Kathy and Josh look at the growth and strength of credit cards and deposits in a post-COVID rate environment, with Kathy noting banks should be focused on the ‘total customer perspective’ by emphasizing customer loyalty with multiple products across a singular financial institution. Kathy and Josh also discuss the importance of continuing to grow balances amid challenging credit losses, and the opportunities credit card issuers can find simply by focusing on the middle of their portfolios. \u003c/p\u003e\n\n\u003cp\u003eFinally, we get to know Michele and Kathy a little better in a lightning round of questions on their favorite topics (outside of financial services, of course): running and geography!\u003cbr\u003e\n— \u003cbr\u003e\nFor questions or to suggest an episode topic, please email \u003ca href=\"mailto:ExtraCredit@transunion.com\" rel=\"nofollow\"\u003eExtraCredit@transunion.com\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"TransUnion’s own Michele Raneri and Kathy Maffei leverage their expertise to offer predictions around consumer credit behavior and deposits in 2023.","date_published":"2023-02-08T03:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/4f52e909-8f55-44a7-aea6-79df36764eeb.mp3","mime_type":"audio/mpeg","size_in_bytes":41937639,"duration_in_seconds":1746}]},{"id":"52d4fee3-133f-4bc9-b339-dcbb3bde4a68","title":"Episode 15: Dynamics, Trends and the State of the Credit Market (Part Two)","url":"https://transunion-extracredit.fireside.fm/15","content_text":"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.  \n\nPart two of episode 12 kicks off with the second half of the car-themed trivia before honing in on competitive pressures facing different card issuer segments as they position themselves to acquire and retain customers, transactions and balances. Paul explains the practical value of using trended credit and alternative data to better know and understand consumers — and why that’s critical to winning share of wallet. He also offers a personal take on generational differences in consumer expectations for credit and credit products.\n— \nFor questions or to suggest an episode topic, please email ExtraCredit@transunion.com.\n\nThe 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.","content_html":"\u003cp\u003eTo 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.  \u003c/p\u003e\n\n\u003cp\u003ePart two of episode 12 kicks off with the second half of the car-themed trivia before honing in on competitive pressures facing different card issuer segments as they position themselves to acquire and retain customers, transactions and balances. Paul explains the practical value of using trended credit and alternative data to better know and understand consumers — and why that’s critical to winning share of wallet. He also offers a personal take on generational differences in consumer expectations for credit and credit products.\u003cbr\u003e\n— \u003cbr\u003e\nFor questions or to suggest an episode topic, please email \u003ca href=\"mailto:ExtraCredit@transunion.com\" rel=\"nofollow\"\u003eExtraCredit@transunion.com\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"In part two of episode 12, Paul Siegfried, TransUnion Head of Card and Banking, discusses current competitive dynamics in the credit card market, including what issuers need to do to attract and retain consumers in a digital-first, rewards-rich environment.","date_published":"2022-12-15T01:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/52d4fee3-133f-4bc9-b339-dcbb3bde4a68.mp3","mime_type":"audio/mpeg","size_in_bytes":33605841,"duration_in_seconds":1399}]},{"id":"a6099c23-ba46-45c1-8944-da9af11b3762","title":"Episode 14: Dynamics, Trends and the State of the Credit Market (Part One)","url":"https://transunion-extracredit.fireside.fm/14","content_text":"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.  \n\nIn part one of episode 12, the conversation explores the financial health of the American consumer and credit market dynamics, including how issuers are faring relative to other lending institutions, and what they’re thinking about as they look to 2023. Paul also reveals what issuers should expect from fraudsters and offers thoughts on how to best mitigate risk.\n\nPlus, in true Extra Credit tradition, Craig gets Paul’s motor running with some hard-driving trivia on one of Paul’s favorite subjects.\n— \nFor questions or to suggest an episode topic, please email ExtraCredit@transunion.com.\n\nThe 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.","content_html":"\u003cp\u003eTo 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.  \u003c/p\u003e\n\n\u003cp\u003eIn part one of episode 12, the conversation explores the financial health of the American consumer and credit market dynamics, including how issuers are faring relative to other lending institutions, and what they’re thinking about as they look to 2023. Paul also reveals what issuers should expect from fraudsters and offers thoughts on how to best mitigate risk.\u003c/p\u003e\n\n\u003cp\u003ePlus, in true Extra Credit tradition, Craig gets Paul’s motor running with some hard-driving trivia on one of Paul’s favorite subjects.\u003cbr\u003e\n— \u003cbr\u003e\nFor questions or to suggest an episode topic, please email \u003ca href=\"mailto:ExtraCredit@transunion.com\" rel=\"nofollow\"\u003eExtraCredit@transunion.com\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"In part one of episode 12, Paul Siegfried, TransUnion Head of Card and Banking, shares his perspective on current consumer dynamics in the changing credit market, and what might be on card issuers’ minds heading into the new year.","date_published":"2022-12-14T01:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/a6099c23-ba46-45c1-8944-da9af11b3762.mp3","mime_type":"audio/mpeg","size_in_bytes":39554646,"duration_in_seconds":1647}]},{"id":"d8102b04-ed4f-4d8a-bd42-e23f7d289432","title":"Episode 13: How Credit Card Issuers Can Help Consumers Meet Their Financial Obligations in Today’s Economy","url":"https://transunion-extracredit.fireside.fm/13","content_text":"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.\n\nThis conversation discusses upcoming challenges in the card market, and explores how the industry can address potential obstacles — for both issuers and consumers — as the economy continues to evolve. Reflecting on recent trends and what they foretell, Bill shares valuable insights on market dynamics and whether issuers are prepared to manage through a downturn. He talks about different ways to use data, and suggests the rising importance of alternative data — especially as consumers consider alternate financial solutions as inflationary pressures start to hit. He also covers consumer performance and support, including the need for better and more widespread financial education.\n\nPlus, Craig challenges Bill on the gridiron with hard-hitting trivia questions about his favorite NFL team, the Chicago Bears.\n\nFor questions or to suggest an episode topic, please email ExtraCredit@transunion.com.\n\nThe 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.","content_html":"\u003cp\u003eThe 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.\u003c/p\u003e\n\n\u003cp\u003eThis conversation discusses upcoming challenges in the card market, and explores how the industry can address potential obstacles — for both issuers and consumers — as the economy continues to evolve. Reflecting on recent trends and what they foretell, Bill shares valuable insights on market dynamics and whether issuers are prepared to manage through a downturn. He talks about different ways to use data, and suggests the rising importance of alternative data — especially as consumers consider alternate financial solutions as inflationary pressures start to hit. He also covers consumer performance and support, including the need for better and more widespread financial education.\u003c/p\u003e\n\n\u003cp\u003ePlus, Craig challenges Bill on the gridiron with hard-hitting trivia questions about his favorite NFL team, the Chicago Bears.\u003c/p\u003e\n\n\u003cp\u003eFor questions or to suggest an episode topic, please email \u003ca href=\"mailto:ExtraCredit@transunion.com\" rel=\"nofollow\"\u003eExtraCredit@transunion.com\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Bill Bostwick, Head of Cards at Atlanticus, shares thoughts on how card issuers can prepare themselves while helping their customers stay afloat amid a challenging economy ","date_published":"2022-10-19T01:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/d8102b04-ed4f-4d8a-bd42-e23f7d289432.mp3","mime_type":"audio/mpeg","size_in_bytes":41102215,"duration_in_seconds":1710}]},{"id":"eee4a3b5-f824-476a-9f7b-1d56d7ddb957","title":"Episode 12: A Macroeconomist’s View of the Economy and Where It’s Headed","url":"https://transunion-extracredit.fireside.fm/12","content_text":"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.\n\nIn this episode, Josh and Craig ask Ryan about the current state of the US economy and how it fits within the global context. Ryan shares his perspectives on labor and employment trends, supply chain issues, inflation — and the implications for consumer lending. He adds context to today’s dynamics by looking back at how previous global events affected the US economy. He also shares his longer-term concerns for future economic impacts.\n\nPlus, Josh tests Ryan’s memories of his days at University of Chicago with trivia questions about distinguished alumni, campus life and more.\n—\nFor questions or to suggest an episode topic, please email ExtraCredit@transunion.com.\n\nThe 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.","content_html":"\u003cp\u003eTo 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.\u003c/p\u003e\n\n\u003cp\u003eIn this episode, Josh and Craig ask Ryan about the current state of the US economy and how it fits within the global context. Ryan shares his perspectives on labor and employment trends, supply chain issues, inflation — and the implications for consumer lending. He adds context to today’s dynamics by looking back at how previous global events affected the US economy. He also shares his longer-term concerns for future economic impacts.\u003c/p\u003e\n\n\u003cp\u003ePlus, Josh tests Ryan’s memories of his days at University of Chicago with trivia questions about distinguished alumni, campus life and more.\u003cbr\u003e\n—\u003cbr\u003e\nFor questions or to suggest an episode topic, please email \u003ca href=\"mailto:ExtraCredit@transunion.com\" rel=\"nofollow\"\u003eExtraCredit@transunion.com\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Economics expert Ryan Boyle joins the podcast to discuss the US economy and his outlook on the potential for recession","date_published":"2022-09-21T01:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/eee4a3b5-f824-476a-9f7b-1d56d7ddb957.mp3","mime_type":"audio/mpeg","size_in_bytes":51708263,"duration_in_seconds":2153}]},{"id":"d4f85317-d951-445d-a0cc-6eb72c9cbd53","title":"Episode 11: How a Technology Revolution Could Impact Payment Providers ","url":"https://transunion-extracredit.fireside.fm/11","content_text":"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.\nIn this episode, Craig asks Rahul how new developments in the payments space could impact card lenders — which leads to the group discussing whether Payment-as-a-Service (PaaS) might become an expansion of card wholesale for vertical-based lenders. Rahul alludes to a technology revolution in which all industries eventually offer embedded payments options — from ecommerce to healthcare to B2B. Then, Josh asks Rahul how technology stacks and services will change for financial institutions (FIs) over the next 5–10 years, and Rahul weighs in on questions around specialization regional banks and credit unions should be asking themselves.\nPlus, Josh quizzes Rahul on California-related trivia, and Rahul offers advice to those still in the first half of their careers.\n—\nFor questions or to suggest an episode topic, please email ExtraCredit@transunion.com.\n\nThe 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.","content_html":"\u003cp\u003eWe’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.\u003cbr\u003e\nIn this episode, Craig asks Rahul how new developments in the payments space could impact card lenders — which leads to the group discussing whether Payment-as-a-Service (PaaS) might become an expansion of card wholesale for vertical-based lenders. Rahul alludes to a technology revolution in which all industries eventually offer embedded payments options — from ecommerce to healthcare to B2B. Then, Josh asks Rahul how technology stacks and services will change for financial institutions (FIs) over the next 5–10 years, and Rahul weighs in on questions around specialization regional banks and credit unions should be asking themselves.\u003cbr\u003e\nPlus, Josh quizzes Rahul on California-related trivia, and Rahul offers advice to those still in the first half of their careers.\u003cbr\u003e\n—\u003cbr\u003e\nFor questions or to suggest an episode topic, please email \u003ca href=\"mailto:ExtraCredit@transunion.com\" rel=\"nofollow\"\u003eExtraCredit@transunion.com\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Payments expert Rahul Gupta joins the podcast to discuss new industry developments, Payment-as-a-Service, and how financial tech stacks and services may change in the coming decade.","date_published":"2022-08-17T01:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/d4f85317-d951-445d-a0cc-6eb72c9cbd53.mp3","mime_type":"audio/mpeg","size_in_bytes":42682439,"duration_in_seconds":1777}]},{"id":"d15473e1-5010-4681-a600-2b931ca34128","title":"Episode 10: The State of the Financial Services Industry and Thoughts on Economic Uncertainty ","url":"https://transunion-extracredit.fireside.fm/10","content_text":"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.\n\nCraig 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 markets, and supply and demand of consumer credit cards. Then, Craig and Josh open the floor to discuss risks and opportunities for lenders across various financial products; and Jason discusses the likelihood of a recession.\n\nPlus, Craig quizzes Jason on Dallas Cowboys trivia and international hockey standings; Jason shares his expert recommendation of the most underrated city in Europe; and explains how he’s teaching his college-aged kids about the stock market.\n\nFor questions or to suggest an episode topic, please email ExtraCredit@transunion.com.\n\nThe 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.","content_html":"\u003cp\u003eTransUnion’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.\u003c/p\u003e\n\n\u003cp\u003eCraig 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 markets, and supply and demand of consumer credit cards. Then, Craig and Josh open the floor to discuss risks and opportunities for lenders across various financial products; and Jason discusses the likelihood of a recession.\u003c/p\u003e\n\n\u003cp\u003ePlus, Craig quizzes Jason on Dallas Cowboys trivia and international hockey standings; Jason shares his expert recommendation of the most underrated city in Europe; and explains how he’s teaching his college-aged kids about the stock market.\u003c/p\u003e\n\n\u003cp\u003eFor questions or to suggest an episode topic, please email \u003ca href=\"mailto:ExtraCredit@transunion.com\" rel=\"nofollow\"\u003eExtraCredit@transunion.com\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Executive VP of Financial Services Jason Laky discusses the current state of consumer credit health and the financial services industry","date_published":"2022-07-27T01:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/d15473e1-5010-4681-a600-2b931ca34128.mp3","mime_type":"audio/mpeg","size_in_bytes":49018010,"duration_in_seconds":2040}]},{"id":"04bc9773-b1ed-4612-901f-b6206c5d7f93","title":"Episode 9: The Policy Initiatives and Regulations Affecting the US Financial Services Industry","url":"https://transunion-extracredit.fireside.fm/9","content_text":"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.\nIn 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 level. Allison weighs in on possible regulatory impacts should control of the legislative branches shift during the midterms; Rachel shares her thoughts around financial inclusion efforts from the Biden administration; and there’s discussion on how inflation strains are affecting policy decisions. \nPlus, Josh is curious about Rachel’s view on policymaking re: financial institutions sharing consumer data; Allison discusses privacy initiatives at the local level; and Craig and Josh test Rachel’s and Allison’s knowledge of sports and restaurants in the D.C. area.\n—\nFor questions or to suggest an episode topic, please email ExtraCredit@transunion.com.\n\nThe 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.","content_html":"\u003cp\u003eTransUnion’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.\u003cbr\u003e\nIn 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 level. Allison weighs in on possible regulatory impacts should control of the legislative branches shift during the midterms; Rachel shares her thoughts around financial inclusion efforts from the Biden administration; and there’s discussion on how inflation strains are affecting policy decisions. \u003cbr\u003e\nPlus, Josh is curious about Rachel’s view on policymaking re: financial institutions sharing consumer data; Allison discusses privacy initiatives at the local level; and Craig and Josh test Rachel’s and Allison’s knowledge of sports and restaurants in the D.C. area.\u003cbr\u003e\n—\u003cbr\u003e\nFor questions or to suggest an episode topic, please email \u003ca href=\"mailto:ExtraCredit@transunion.com\" rel=\"nofollow\"\u003eExtraCredit@transunion.com\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"US policy experts Rachel Goldberg and Allison Shuster discuss federal initiatives affecting the financial services industry, weigh in on the regulatory environment in D.C., and more.","date_published":"2022-06-15T01:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/04bc9773-b1ed-4612-901f-b6206c5d7f93.mp3","mime_type":"audio/mpeg","size_in_bytes":36911189,"duration_in_seconds":1536}]},{"id":"7539ccab-b75e-4f5b-affa-6f03a741efba","title":"Episode 8: The Evolution of Financial Inclusion (Part Two)","url":"https://transunion-extracredit.fireside.fm/8","content_text":"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). \nIn part two of this month’s episode, Craig asks Karen and Josh S. to offer opinions on the government’s role in regulating financial products. They also discuss the importance of truly understanding consumer outcomes. Our guests then think back on financial products that never quite took off, as well as small ideas that turned into something much bigger.\nFinally, host Josh finally learns about the origination of the 401k, and Karen and Josh S. talk about exposing their kids to financial concepts from a young age.\n—\nFor questions or to suggest an episode topic, please email ExtraCredit@transunion.com.\n\nThe 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.","content_html":"\u003cp\u003eThis 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). \u003cbr\u003e\nIn part two of this month’s episode, Craig asks Karen and Josh S. to offer opinions on the government’s role in regulating financial products. They also discuss the importance of truly understanding consumer outcomes. Our guests then think back on financial products that never quite took off, as well as small ideas that turned into something much bigger.\u003cbr\u003e\nFinally, host Josh finally learns about the origination of the 401k, and Karen and Josh S. talk about exposing their kids to financial concepts from a young age.\u003cbr\u003e\n—\u003cbr\u003e\nFor questions or to suggest an episode topic, please email \u003ca href=\"mailto:ExtraCredit@transunion.com\" rel=\"nofollow\"\u003eExtraCredit@transunion.com\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"In part two of episode 6, Karen Andres and Josh Sledge share opinions on the government’s role in regulating financial products. They also look back on certain exciting financial products that never quite took off.","date_published":"2022-05-26T01:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/7539ccab-b75e-4f5b-affa-6f03a741efba.mp3","mime_type":"audio/mpeg","size_in_bytes":17636798,"duration_in_seconds":1101}]},{"id":"e456ff0d-4c08-4f37-955d-59c817312bd1","title":"Episode 7: The Evolution of Financial Inclusion (Part One)","url":"https://transunion-extracredit.fireside.fm/7","content_text":"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). \nIn part one, Karen and Josh S. explore how the approach to financial inclusion has evolved over the decade — specifically regarding the role of financial institutions. Karen discusses the Aspen Institute’s recent call for the Biden administration to establish a presidential council on financial inclusion, and Josh S. talks about Filene’s recent focus on providing credit unions with tools to improve members’ financial health.\nPlus, our hosts try to stump Karen and Josh S. with Michiganian trivia, and everyone gets derailed talking about subscriptions from Taco Bell. \n—\nFor questions or to suggest an episode topic, please email ExtraCredit@transunion.com.\n\nThe 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.","content_html":"\u003cp\u003eThis 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). \u003cbr\u003e\nIn part one, Karen and Josh S. explore how the approach to financial inclusion has evolved over the decade — specifically regarding the role of financial institutions. Karen discusses the Aspen Institute’s recent call for the Biden administration to establish a presidential council on financial inclusion, and Josh S. talks about Filene’s recent focus on providing credit unions with tools to improve members’ financial health.\u003cbr\u003e\nPlus, our hosts try to stump Karen and Josh S. with Michiganian trivia, and everyone gets derailed talking about subscriptions from Taco Bell. \u003cbr\u003e\n—\u003cbr\u003e\nFor questions or to suggest an episode topic, please email \u003ca href=\"mailto:ExtraCredit@transunion.com\" rel=\"nofollow\"\u003eExtraCredit@transunion.com\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"In part one of episode 6, Karen Andres and Josh Sledge discuss how the approach to financial inclusion has changed over the last decade, and discoveries are made about subscription programs at Taco Bell.","date_published":"2022-05-25T01:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/e456ff0d-4c08-4f37-955d-59c817312bd1.mp3","mime_type":"audio/mpeg","size_in_bytes":25142079,"duration_in_seconds":1570}]},{"id":"78fe602d-9b90-4f14-8f61-4772144d390e","title":"Episode 6: Overhyped FinTech Trends and Navigating a Saturated Card Market","url":"https://transunion-extracredit.fireside.fm/6","content_text":"Jason Mikula is on the podcast this month! Having spent more than decade building and scaling consumer finance businesses — including Enova, LendUp and Goldman Sachs — Jason is now the publisher of the Fintech Business Weekly newsletter and an advisor for early stage startups.\nIn this episode, Jason shares the FinTech trends he believes are overhyped, and argues that creditors and lenders aren’t paying enough attention to the rapidly changing payments universe. He offers his perspective on cryptocurrency and the US regulatory environment, and he, Craig and Josh discuss measures lenders can take as the credit card market becomes increasingly saturated.\nPlus, Jason talks about living in Amsterdam; Craig and Josh quiz him on Dutch trivia; and Craig is particularly disappointed to find out Jason doesn’t own a single pair of wooden clogs.\n—\nFor questions or to suggest an episode topic, please email ExtraCredit@transunion.com.\n\nThe 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.","content_html":"\u003cp\u003eJason Mikula is on the podcast this month! Having spent more than decade building and scaling consumer finance businesses — including Enova, LendUp and Goldman Sachs — Jason is now the publisher of the Fintech Business Weekly newsletter and an advisor for early stage startups.\u003cbr\u003e\nIn this episode, Jason shares the FinTech trends he believes are overhyped, and argues that creditors and lenders aren’t paying enough attention to the rapidly changing payments universe. He offers his perspective on cryptocurrency and the US regulatory environment, and he, Craig and Josh discuss measures lenders can take as the credit card market becomes increasingly saturated.\u003cbr\u003e\nPlus, Jason talks about living in Amsterdam; Craig and Josh quiz him on Dutch trivia; and Craig is particularly disappointed to find out Jason doesn’t own a single pair of wooden clogs.\u003cbr\u003e\n—\u003cbr\u003e\nFor questions or to suggest an episode topic, please email \u003ca href=\"mailto:ExtraCredit@transunion.com\" rel=\"nofollow\"\u003eExtraCredit@transunion.com\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Jason Mikula draws on his FinTech experience as he shares his perspective on overhyped trends, a rapidly changing payments universe, and more.","date_published":"2022-04-20T01:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/78fe602d-9b90-4f14-8f61-4772144d390e.mp3","mime_type":"audio/mpeg","size_in_bytes":31167617,"duration_in_seconds":1946}]},{"id":"5f05b454-5142-4b06-9eeb-ba6c66261158","title":"Episode 5: The Innovations and Setbacks Across Today’s Card and Banking Universe","url":"https://transunion-extracredit.fireside.fm/5","content_text":"Susan Ehrlich joins Craig and Josh on the podcast this month, drawing on a wealth of industry experience at incumbent banks, neobanks, large credit card lenders, and more — including running Amazon’s global credit card program, serving as CEO of Earnest, and now sitting on the boards for BECU, Petal and Arrived Homes. \nIn the episode, Susan shares her excitement for how companies are expanding access to consumers across the credit spectrum. They discuss the legacy tech challenges traditional FIs and credit card lenders are facing, implications of the banking industry moving to the cloud, and what credit unions and smaller banks can do to differentiate from FinTechs.\nSusan also reveals her favorite golf course, the round that still haunts her today, what it was like playing with Rory McIlroy in a pro-am — and her love of volunteering in San Francisco’s election polls.\n\nFor questions or to suggest an episode topic, please email ExtraCredit@transunion.com.\n\nThe 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.","content_html":"\u003cp\u003eSusan Ehrlich joins Craig and Josh on the podcast this month, drawing on a wealth of industry experience at incumbent banks, neobanks, large credit card lenders, and more — including running Amazon’s global credit card program, serving as CEO of Earnest, and now sitting on the boards for BECU, Petal and Arrived Homes. \u003cbr\u003e\nIn the episode, Susan shares her excitement for how companies are expanding access to consumers across the credit spectrum. They discuss the legacy tech challenges traditional FIs and credit card lenders are facing, implications of the banking industry moving to the cloud, and what credit unions and smaller banks can do to differentiate from FinTechs.\u003cbr\u003e\nSusan also reveals her favorite golf course, the round that still haunts her today, what it was like playing with Rory McIlroy in a pro-am — and her love of volunteering in San Francisco’s election polls.\u003c/p\u003e\n\n\u003cp\u003eFor questions or to suggest an episode topic, please email \u003ca href=\"mailto:ExtraCredit@transunion.com\" rel=\"nofollow\"\u003eExtraCredit@transunion.com\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Change agent, board member and former card executive Susan Ehrlich joins the podcast to discuss how companies are expanding access to consumers, the legacy challenges faced by traditional lenders, and much more.","date_published":"2022-03-17T01:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/5f05b454-5142-4b06-9eeb-ba6c66261158.mp3","mime_type":"audio/mpeg","size_in_bytes":30123884,"duration_in_seconds":1876}]},{"id":"b8076bd3-5027-4e95-998b-0198cb5f311f","title":"Episode 4: Credit Unions, Trended Credit  Scores and Giant Foam Wedges","url":"https://transunion-extracredit.fireside.fm/4","content_text":"This month, Craig and Josh are joined by Jim Block, COO and Executive VP at BCU — a large, Chicago-based credit union serving members across the US.\nAfter asking Jim to weigh in on their prediction around trended credit scores, Craig and Josh inquire about how BCU leverages and balances trended credit data, as well as the credit union’s focus on financial inclusion. \nCraig and Josh then quiz Jim on some credit union history, and Jim shares an update on the giant foam wedge that once lived in his basement. \n—\nFor questions or to suggest an episode topic, please email ExtraCredit@transunion.com.\n\nThe 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.","content_html":"\u003cp\u003eThis month, Craig and Josh are joined by Jim Block, COO and Executive VP at BCU — a large, Chicago-based credit union serving members across the US.\u003cbr\u003e\nAfter asking Jim to weigh in on their prediction around trended credit scores, Craig and Josh inquire about how BCU leverages and balances trended credit data, as well as the credit union’s focus on financial inclusion. \u003cbr\u003e\nCraig and Josh then quiz Jim on some credit union history, and Jim shares an update on the giant foam wedge that once lived in his basement. \u003cbr\u003e\n—\u003cbr\u003e\nFor questions or to suggest an episode topic, please email \u003ca href=\"mailto:ExtraCredit@transunion.com\" rel=\"nofollow\"\u003eExtraCredit@transunion.com\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Craig and Josh invite BCU’s Jim Block to discuss the role trended credit data plays in credit unions, the importance of focusing on members’ and employees’ financial well-being, and more.","date_published":"2022-02-16T01:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/b8076bd3-5027-4e95-998b-0198cb5f311f.mp3","mime_type":"audio/mpeg","size_in_bytes":19370115,"duration_in_seconds":1209}]},{"id":"6f6fd05b-a74f-4df8-bf97-7032273c9f70","title":"Episode 3: Bonus Episode - Extra Credit: February Q\u0026A","url":"https://transunion-extracredit.fireside.fm/3","content_text":"A top 50 credit union wants to grow its card program but is having trouble deciding whether to maintain its ‘credit union marketing philosophy’ or pivot its strategy to resemble that of a bigger bank.\nHear Craig and Josh answer this listener’s question — and others — in this month’s Q\u0026amp;A.\n—\nTo ask a question or suggest an episode topic, please email ExtraCredit@transunion.com.\nThe 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.\n\nThe 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.","content_html":"\u003cp\u003eA top 50 credit union wants to grow its card program but is having trouble deciding whether to maintain its ‘credit union marketing philosophy’ or pivot its strategy to resemble that of a bigger bank.\u003cbr\u003e\nHear Craig and Josh answer this listener’s question — and others — in this month’s Q\u0026amp;A.\u003cbr\u003e\n—\u003cbr\u003e\nTo ask a question or suggest an episode topic, please email \u003ca href=\"mailto:ExtraCredit@transunion.com\" rel=\"nofollow\"\u003eExtraCredit@transunion.com\u003c/a\u003e.\u003cbr\u003e\nThe 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.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Craig and Josh answer questions from listeners. ","date_published":"2022-02-03T01:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/6f6fd05b-a74f-4df8-bf97-7032273c9f70.mp3","mime_type":"audio/mpeg","size_in_bytes":4763381,"duration_in_seconds":296}]},{"id":"e2699eed-06fe-42be-b461-9ada6e08ec5e","title":"Episode 2: Looking Ahead: Key Drivers and Predictions for 2022","url":"https://transunion-extracredit.fireside.fm/2","content_text":"Looking ahead in 2022, TransUnion’s Craig and Josh discuss the trends and developments within four key areas of card and banking:\n\n\n Consumer economic health and behavior\n Significant government and regulatory trends\n Competitive developments\n External influences\n5.\nFrom there, they make their predictions — covering everything from inflation levels and origination numbers to credit unions and reengineered checking accounts. They even commit the cardinal sin of mentioning religion and politics… but Craig was too busy thinking about Scotch to notice. \n—\nFor questions or to suggest an episode topic, email ExtraCredit@transunion.com.\n\n\nThe 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.","content_html":"\u003cp\u003eLooking ahead in 2022, TransUnion’s Craig and Josh discuss the trends and developments within four key areas of card and banking:\u003c/p\u003e\n\n\u003col\u003e\n\u003cli\u003e Consumer economic health and behavior\u003c/li\u003e\n\u003cli\u003e Significant government and regulatory trends\u003c/li\u003e\n\u003cli\u003e Competitive developments\u003c/li\u003e\n\u003cli\u003e External influences\n5.\nFrom there, they make their predictions — covering everything from inflation levels and origination numbers to credit unions and reengineered checking accounts. They even commit the cardinal sin of mentioning religion and politics… but Craig was too busy thinking about Scotch to notice. \n—\nFor questions or to suggest an episode topic, email \u003ca href=\"mailto:ExtraCredit@transunion.com\" rel=\"nofollow\"\u003eExtraCredit@transunion.com\u003c/a\u003e.\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Focusing on key trends and themes currently driving the card and banking industry, hosts Craig LaChapelle and Josh Turnbull make their predictions for 2022.","date_published":"2022-01-27T07:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/e2699eed-06fe-42be-b461-9ada6e08ec5e.mp3","mime_type":"audio/mpeg","size_in_bytes":26504270,"duration_in_seconds":1654}]},{"id":"015b95b7-8336-4004-b5a7-698e284a8795","title":"Episode 1: Extra Credit Episode 1: 2021 in Review","url":"https://transunion-extracredit.fireside.fm/1","content_text":"In the inaugural episode of Extra Credit, TransUnion's Craig LaChapelle and Josh Turnbull look back on how the card and banking industry fared in 2021. \n\nSeveral questions were discussed, including:\n\n\nWhat were the dynamics of consumer demand, and how did ongoing effects of the pandemic impact consumer balances and liquidity? \nWhat did we learn about Buy Now, Pay Later consumers? \nHow did Gen Z’s growing involvement in the credit market compare to preceding generations? \n\n\nFeaturing guest Paul Siegfried, Head of Card and Banking at TransUnion.\n\n—\n\nFor questions or to suggest an episode topic, email ExtraCredit@transunion.com.\n\nThe 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.","content_html":"\u003cp\u003eIn the inaugural episode of \u003cstrong\u003eExtra Credit\u003c/strong\u003e, TransUnion\u0026#39;s Craig LaChapelle and Josh Turnbull look back on how the card and banking industry fared in 2021. \u003c/p\u003e\n\n\u003cp\u003eSeveral questions were discussed, including:\u003c/p\u003e\n\n\u003cul\u003e\n\u003cli\u003eWhat were the dynamics of consumer demand, and how did ongoing effects of the pandemic impact consumer balances and liquidity? \u003c/li\u003e\n\u003cli\u003eWhat did we learn about Buy Now, Pay Later consumers? \u003c/li\u003e\n\u003cli\u003eHow did Gen Z’s growing involvement in the credit market compare to preceding generations? \u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eFeaturing guest Paul Siegfried, Head of Card and Banking at TransUnion.\u003c/p\u003e\n\n\u003cp\u003e—\u003c/p\u003e\n\n\u003cp\u003eFor questions or to suggest an episode topic, email \u003ca href=\"mailto:ExtraCredit@transunion.com\" rel=\"nofollow\"\u003eExtraCredit@transunion.com\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThe 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.\u003c/em\u003e\u003c/p\u003e","summary":"Featuring guest Paul Siegfried, hosts Craig LaChapelle and Josh Turnbull see how the card and banking industry fared in 2021.","date_published":"2022-01-10T12:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/8a3552e6-a358-4e3e-88f7-4d10806e327a/015b95b7-8336-4004-b5a7-698e284a8795.mp3","mime_type":"audio/mpeg","size_in_bytes":42922647,"duration_in_seconds":2680}]}]}