随着消费者钱包的发展调整您的策略.pdf

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1、Calibrating Your Strategy as Consumers Wallets Evolve5/7/2024Atsuko Watanabe1 2024 TransUnion LLC All Rights ReservedAgenda2024 US Financial Services SummitHighlight key findings around growth and shifts in the consumer credit wallet between pre-and post-pandemic erasZoom in on credit behaviors in r

2、ecent years(20212023)and contrast those with behaviors observed from 20172019Explore the impact of modified strategies incorporating insights from recent behavior shiftsDiscuss business implications and strategy recommendations to address dynamic consumer credit profile shifts and combat rising deli

3、nquencies22024 US Financial Services Summit 2024 TransUnion LLC All Rights ReservedKey findings from the credit active consumer growth3 2024 TransUnion LLC All Rights Reserved4There were three distinct credit eras we observed over the last nine years impacting consumer credit behaviorsPre-pandemic(Q

4、1 2015Q1 2020)Pandemic(Q2 2020Q2 2021)Post-pandemic(Q3 2021Q4 2023)Stable economyHigh consumer sentimentGrowing credit accessRising but manageable delinquencyConcerns around economic uncertaintyLow consumer sentimentPausing and slowing down of credit activityDecreasing delinquencyRising inflation an

5、d interest ratesImproving employment and consumer sentimentExpanding credit access and activityRapidly increasing delinquency 2024 TransUnion LLC All Rights Reserved5There were three distinct credit eras we observed over the last nine years impacting consumer credit behaviorsPre-pandemic(Q1 2015Q1 2

6、020)Pandemic(Q2 2020Q2 2021)Post-pandemic(Q3 2021Q4 2023)Stable economyHigh consumer sentimentGrowing credit accessRising but manageable delinquencyPandemic credit behaviors explored in prior TransUnion studiesRising inflation and interest ratesImproving employment and consumer sentimentExpanding cr