web02.fireside.fm Sun, 05 Apr 2026 14:15:27 -0500 Fireside (https://fireside.fm) TransUnion: Extra Credit - Episodes Tagged with “Banking Industry 2025” https://transunion-extracredit.fireside.fm/tags/banking%20industry%202025 Thu, 08 Jan 2026 11:30:00 -0600 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. <p> Have questions? <p> Want to hear us discuss a specific topic? <p> Email us at ExtraCredit@transunion.com Visit our website at https://www.transunion.com/extracreditpod <p> 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. en-us episodic A Card & Banking Podcast by TransUnion TransUnion 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. <p> Have questions? <p> Want to hear us discuss a specific topic? <p> Email us at ExtraCredit@transunion.com Visit our website at https://www.transunion.com/extracreditpod <p> 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. no TransUnion marketingvideo.tu@gmail.com Episode 41: The Credit Trends and Tech Shaping 2026 https://transunion-extracredit.fireside.fm/41 ec16a7bb-c05f-447c-aff8-3b04495b7690 Thu, 08 Jan 2026 11:30:00 -0600 TransUnion full 1 TransUnion Jason Laky shares insights on 2025’s credit market trends, lender strategies and the role of alternative data and AI in shaping the year ahead. 33:28 no As 2025 comes to a close, economic uncertainty and volatility remain top of mind for lenders and consumers alike. In this episode, Jason Laky, EVP of Financial Services at TransUnion®, joins Josh and Craig to unpack the year’s biggest credit trends — from resilient consumer demand to challenges in mortgage and auto — and what they signal for 2026. Jason also explores how lenders are leveraging alternative data and AI to manage risk and drive inclusion in a rapidly evolving market. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast. card and banking podcast, transunion podcast, card and banking industry, credit card podcast, banking podcast, banking industry 2025, banking predictions, 2026 banking predictions, US card and banking, consumer economic health, inflation levels, originations, credit unions, checking accounts, trended data, trended scores, trended credit, regulation, privacy, data regulation, data privacy, consumer lending, consumer credit, deposit trends, financial technology, fintechs, auto financing, credit risk As 2025 comes to a close, economic uncertainty and volatility remain top of mind for lenders and consumers alike. In this episode, Jason Laky, EVP of Financial Services at TransUnion®, joins Josh and Craig to unpack the year’s biggest credit trends — from resilient consumer demand to challenges in mortgage and auto — and what they signal for 2026. Jason also explores how lenders are leveraging alternative data and AI to manage risk and drive inclusion in a rapidly evolving market.

The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

]]> As 2025 comes to a close, economic uncertainty and volatility remain top of mind for lenders and consumers alike. In this episode, Jason Laky, EVP of Financial Services at TransUnion®, joins Josh and Craig to unpack the year’s biggest credit trends — from resilient consumer demand to challenges in mortgage and auto — and what they signal for 2026. Jason also explores how lenders are leveraging alternative data and AI to manage risk and drive inclusion in a rapidly evolving market.

The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

]]> Episode 36: Risk, Resilience and the Future of Lending https://transunion-extracredit.fireside.fm/36 655b8a55-78db-4067-8ee4-d5f64fa511b7 Tue, 17 Jun 2025 08:00:00 -0500 TransUnion full 1 TransUnion 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. 24:53 no 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. As 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. Looking 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. The 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. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast. credit card, community banking, card and banking, podcast, transunion podcast, card and banking industry, credit card podcast, banking podcast, banking industry 2021, financial services, financial institutions 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.

As 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.

Looking 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.

The 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.

The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

]]> 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.

As 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.

Looking 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.

The 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.

The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

]]> Episode 35: The Economic Crossroads of Tariffs, Global Trade and Labor Market Trends https://transunion-extracredit.fireside.fm/35 d98db8fb-32e8-479f-ae04-f563ecbcff2a Tue, 27 May 2025 08:00:00 -0500 TransUnion full 1 TransUnion Global Economist Paul Gruenwald sits down for a timely discussion of tariffs, federal spending, the labor market, global trade and more. 31:59 no 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&amp;P Global Ratings. The 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. Shifting 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. Finally, they examine significant investments in renewable energy projects and macroeconomic impacts of moving away from a fossil fuel-based economy. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast. credit card, community banking, card and banking, podcast, transunion podcast, card and banking industry, credit card podcast, banking podcast, banking industry 2021, financial services, financial institutions 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&P Global Ratings.

The 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.

Shifting 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.

Finally, they examine significant investments in renewable energy projects and macroeconomic impacts of moving away from a fossil fuel-based economy.

The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

]]> 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&P Global Ratings.

The 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.

Shifting 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.

Finally, they examine significant investments in renewable energy projects and macroeconomic impacts of moving away from a fossil fuel-based economy.

The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

]]> Episode 34: A Cautiously Optimistic Consumer Credit Market https://transunion-extracredit.fireside.fm/34 8068b91a-b4e9-4919-8b9d-4753150d3d93 Fri, 21 Feb 2025 08:00:00 -0600 TransUnion full 1 TransUnion 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. 26:13 no TransUnion Sales VP Brad Deja is in the studio this month to talk shop! Josh 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. Brad 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. When asked about the continued decline in originations, Josh attributes this to issuers’ caution — while also pointing out positive demand signs in higher credit tiers. The 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. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast. credit card, community banking, card and banking, podcast, transunion podcast, card and banking industry, credit card podcast, banking podcast, banking industry 2025, financial services, financial institutions TransUnion Sales VP Brad Deja is in the studio this month to talk shop!

Josh 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.

Brad 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.

When asked about the continued decline in originations, Josh attributes this to issuers’ caution — while also pointing out positive demand signs in higher credit tiers.

The 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.

The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

]]> TransUnion Sales VP Brad Deja is in the studio this month to talk shop!

Josh 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.

Brad 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.

When asked about the continued decline in originations, Josh attributes this to issuers’ caution — while also pointing out positive demand signs in higher credit tiers.

The 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.

The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

]]>