TransUnion: Extra Credit
A Card & Banking Podcast by TransUnion
About the show
Once a month, our card and banking leaders ditch their meetings for microphones to share buzzword-heavy predictions, recent market developments and pressing trends in the U.S. financial industry.
Have questions?
Want to hear us discuss a specific topic?
Email us at [email protected]
Visit our website at https://www.transunion.com/extracreditpod
The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liability for any actions taken based upon the content of this podcast.
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Episodes
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Episode 36: Risk, Resilience and the Future of Lending
June 17th, 2025 | Season 1 | 24 mins 53 secs
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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.
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Episode 35: The Economic Crossroads of Tariffs, Global Trade and Labor Market Trends
May 27th, 2025 | Season 1 | 31 mins 59 secs
2025 banking predictions, banking industry 2025, banking podcast, banking predictions, card and banking industry, card and banking podcast, checking accounts, consumer credit, consumer economic health, consumer lending, credit card podcast, credit unions, data privacy, data regulation, deposit trends, financial technology, fintechs, inflation levels, originations, privacy, regulation, transunion podcast, trended credit, trended data, trended scores, us card and banking
Global Economist Paul Gruenwald sits down for a timely discussion of tariffs, federal spending, the labor market, global trade and more.
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Episode 34: A Cautiously Optimistic Consumer Credit Market
February 21st, 2025 | Season 1 | 26 mins 13 secs
2025 banking predictions, banking industry 2025, banking podcast, banking predictions, card and banking industry, card and banking podcast, checking accounts, consumer credit, consumer economic health, consumer lending, credit card podcast, credit unions, data privacy, data regulation, deposit trends, financial technology, fintechs, inflation levels, originations, privacy, regulation, transunion podcast, trended credit, trended data, trended scores, us card and banking
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.
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Episode 33: 2024 in Review: From Past Predictions to Future Insights
December 19th, 2024 | Season 1 | 40 mins 41 secs
TransUnion's Jason Laky is back to review past predictions, assess the current consumer credit market and discuss future impacts on lending.
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Episode 32: Risky Business: Tackling Fraud Threats in a Shifting Card Market
November 22nd, 2024 | Season 1 | 26 mins 29 secs
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.
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Episode 31: Modernizing Touchpoints Across the Card Consumer Lifecycle
August 22nd, 2024 | Season 1 | 39 mins 34 secs
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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.
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Episode 30: Bridging the Generational Gap in Community Banking
June 17th, 2024 | Season 1 | 14 mins 13 secs
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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.
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Episode 29: Credit Union Strategies for Consumers Facing Financial Pressure
June 6th, 2024 | Season 1 | 14 mins
2024 banking predictions, banking industry 2024, banking podcast, banking predictions, card and banking industry, card and banking podcast, checking accounts, consumer credit, consumer economic health, consumer lending, credit card podcast, credit unions, data privacy, data regulation, deposit trends, financial technology, inflation levels, originations, privacy, regulation, transunion podcast, trended credit, trended data, trended scores, us card and banking
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.
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Episode 28: Trends in the Card Industry: From Generational Preferences to Responding to Risk
May 13th, 2024 | Season 1 | 30 mins 8 secs
2024 banking predictions, banking industry 2024, banking podcast, banking predictions, card and banking industry, card and banking podcast, checking accounts, consumer credit, consumer economic health, consumer lending, credit card podcast, credit unions, data privacy, data regulation, deposit trends, financial technology, fintechs, inflation levels, originations, privacy, regulation, transunion podcast, trended credit, trended data, trended scores, us card and banking
Financial Services Sales VP FJ Guarrera quizzes Craig and Josh on the state of the card market.
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Episode 27: The Evolving Role of Data in Financial Services Marketing
April 10th, 2024 | Season 1 | 33 mins 15 secs
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.
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Episode 26: The Implications of a ‘Higher for Longer’ Market
March 12th, 2024 | Season 1 | 34 mins 24 secs
Paul Siegfried is back to read the tea leaves and discuss how rates, delinquencies, fraud schemes and more might transpire in 2024.
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Episode 25: How Will Recent Card Performance Impact Issuers in 2024?
February 15th, 2024 | Season 1 | 31 mins 24 secs
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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.
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Episode 24: The Events, Trends and Dynamics That Shaped Lending in 2023
December 19th, 2023 | Season 1 | 26 mins 7 secs
2023 banking predictions, banking industry 2023, banking podcast, banking predictions, card and banking industry, card and banking podcast, checking accounts, consumer credit, consumer economic health, consumer lending, credit card podcast, credit unions, data privacy, data regulation, deposit trends, financial technology, inflation levels, originations, privacy, regulation, transunion podcast, trended credit, trended data, trended scores, us card and banking
Craig and Josh reflect back on the events that took place in 2023, how markets were impacted, and what to expect in 2024.
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Episode 23: Navigating Risk in an Uncertain Market
December 13th, 2023 | Season 1 | 38 mins 3 secs
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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.
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Episode 22: The Transitioning Landscape of Auto Financing
September 18th, 2023 | Season 1 | 35 mins 58 secs
2023 banking predictions, banking industry 2023, banking podcast, banking predictions, card and banking industry, card and banking podcast, checking accounts, consumer credit, consumer economic health, consumer lending, credit card podcast, credit unions, data privacy, data regulation, deposit trends, financial technology, inflation levels, originations, privacy, regulation, transunion podcast, trended credit, trended data, trended scores, us card and banking
Satyan Merchant weighs in on the emerging trends, supply challenges and generational shifts impacting today’s auto finance industry.
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Episode 21: The US Policies and Regulations Impacting the Financial Services Sector Today
August 18th, 2023 | Season 1 | 31 mins 51 secs
2023 banking predictions, banking industry 2023, banking podcast, banking predictions, card and banking industry, card and banking podcast, checking accounts, consumer credit, consumer economic health, consumer lending, credit card podcast, credit unions, data privacy, data regulation, deposit trends, financial technology, inflation levels, originations, privacy, regulation, transunion podcast, trended credit, trended data, trended scores, us card and banking
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.