Confluent Strategies

Merge, print, fold, stuff: Let us handle it! Whether it's delivering federally required disclosures, welcome letters, or other notifications, our Disclosure Fulfillment team brings customized solutions to fit your company’s needs—saving you time, money, and valuable labor resources. 📨

Find out more: https://bit.ly/3WsyfUf.

Louisiana CU colleagues, we hope to see you at the '90s-themed Louisiana Credit Union League Convention in New Orleans next week! Belinda and Tricia would love to catch up and discuss how we can help you enhance and grow your membership.

Gen Z displays high risk tolerance and low financial literacy—a call to banks and credit unions to provide targeted financial education to younger generations.

Are You Ready for How Different Gen Z's Banking Behaviors Are? How risk-taking, crypto enthusiasm, and mobile-first mindsets are reshaping banking landscapes for all generations.

Want insight on fraud trends, consumer behaviors, chargebacks for B2B and consumers, and best practices for reducing fraud risk? Join us for this Equifax webinar on Thursday, July 18 at 1:00 p.m. CT!

Stay ahead of the curve and protect your business. Register now: https://bit.ly/3xZe3zS.

Hey, Mississippi and Louisiana consumer finance friends! Excited for the LFA-MCFA convention next week? If you’re around, come find Belinda Morales + Tricia Arroyo. They’d love to catch up and chat about your H2 goals. Let’s see how Confluent Strategies + Equifax can support you while you network and enjoy the sunshine!

U.S. consumer debt as of May 2024 stands at $17.43 trillion (up 2.9% from May 2023), with non-mortgage consumer debt totaling $4.73 trillion, according to the latest Equifax Credit Trends report. Check out these and other insights: https://bit.ly/3xEedN5.

Need help meeting your goals in light of these trends? We can help!

Want to know more about wealth concentrations in the U.S. and how to reach young affluent consumers? Join us on Tuesday, July 23 as Ian Wright from Equifax takes us through the latest IXI Network Wealth Trends Report: https://bit.ly/3zmxnaI.

Financial institutions, are you ready for the largest intergenerational wealth transfer in history? We can help you better market to younger generations! https://bit.ly/3L2CY8y

Is your institution looking to grow ? According to Equifax analytics, about 10% of U.S. households hold over 60% of all deposits. We have a suite of solutions to help you capture untapped deposit-growth opportunities! https://bit.ly/3RAAfqu.

As your strategic partner, we want to help you save money and move your business forward. A switch to VantageScore can accomplish both at the same time. Not only does VantageScore cost less than rival scoring models, but it also scores an estimated 33 million more consumers. What's stopping you from making the switch?

Contact us to get started: confluentstrategies.com.

Credit scores alone are still helpful, but there are more effective ways for lenders to forecast whether someone may become a risk. Contact us to find out how to leverage alternative data to combat rising !

How to Predict Bankruptcy Risk and Help Safeguard Your Lending Portfolio <p>The current dynamic economic landscape presents a complex challenge for lenders. They have relied on traditional credit scores to assess creditworthiness. The increase in bankruptcies and delin...

In this Equifax webinar, an expert panel will dive into the current state of consumer profiles and share how lenders can leverage this data to optimize their prescreen and account management decisioning. The discussion will include:

–Understanding customers as more than a credit score
–Financial wellness in a volatile economy
–New student loan repayment data

Register now and join us on June 20! https://bit.ly/3Vg2dsU

Will you be in Sarasota this week for the Mortgage Bankers Association of Florida conference and convention? 🏖 We're sponsoring James Brody's "A Conversation about Repurchase Risks" session on Wednesday at 1:15 p.m. and invite you to stop by.

Justin and Lydia are also available for one-on-one meetings and would love to discuss how Equifax Mortgage Solutions can help you drive better lending decisions and enable a simplified borrower experience! 📊

Is your financial institution is looking to increase deposits? We can provide the segmentation and analysis you need to determine which of your consumers have the means to generate significant deposits. Find out more: https://bit.ly/4aWfCfo

We look forward to seeing our mortgage colleagues out on the course at the 2024 Mortgage Bankers Association of Memphis Golf Classic! ⛳️

As the share of maxed-out borrowers continues to climb, what are you doing to protect your portfolio against delinquencies? We can help you cut through the clutter and single out only the consumers who need your immediate attention.

Contact us to find out how you can leverage Equifax portfolio monitoring to stay ahead of potential losses!

More Consumers Are Hitting their Card Limits. Are Delinquencies Next? Recent data from the New York Fed uncovers a growing – and worrisome – population of "maxed out" borrowers.

Banks and credit unions, file this under another reason to offer your consumers, especially the younger ones, more financial education.

Help Members Make Sense Of Social Media Mayhem - CreditUnions.com Online communities are rife with financial misinformation. Credit unions can help members — especially younger ones — sort the good intelligence from the bad.

Which Tennessee Credit Union League members are tuning in this afternoon? 😊 We'll help you understand which data is available to you, what it means for your CU, and how you can use it for multiple purposes. 📊

Wish you could pick the brains of credit experts about the complexities of affordability and its effects on individual financial health? Check out this Equifax Market Pulse podcast episode that explores different aspects of the credit landscape, including loan performance and credit behavior across various consumer segments.

Economic Insights on Credit and Affordability <p> <iframe height&34180&34 scrolling&34no&34 src&34httpsshare.transistor.fme0fa4bfbe&34 width&34100&34><iframe>The March Market Pulse webinar resonated deeply with our audience. It delved into t...

Mississippi CU colleagues, we hope to see you this week at the Mississippi Credit Union Association's Meeting and Convention! Stop by our booth to find out how you can leverage Equifax solutions to better serve your members and reach new consumers.

Credit card delinquencies are the worst on record, according to recent Fed data. How are you protecting your portfolio against rising delinquencies? We have a flexible, affordable solution. https://bit.ly/4bycJC3

Preventing the losses from one charge-off could pay for a year’s worth of Equifax portfolio monitoring!

Would you have guessed Gen Z turns to credit unions the most for auto loans? CU colleagues, read more about this and other interesting insights about auto loans at credit unions.

Auto Loans at Credit Unions: 3 Surprises, 3 Risks, 3 Opportunities Credit unions are becoming increasingly popular for auto loan financing. While there are a few surprises, we&39ve noticed a few auto loan trends that could be a cause for concern. Use this guide to help develop your credit union strategy....

Alabama colleagues, will we see you at the Mortgage Bankers Association of Alabama, Inc Conference next week? If so, stop by and see Justin, Lydia, and Rick! 👋

Last year, a record number of businesses—nearly 5.5 million—were started in the U.S. Despite challenges like inflation, labor shortages, and supply chain disruptions, Americans continue to pursue their dreams of owning a business. Commercial lenders, do you have your eye on the changing small business landscape? We can help you confidently identity risk and opportunity in today's market.

Small Business Resurgence: Insights and Trends for the Year Ahead <p>We are in unparalleled territory when it comes to the small business landscape. In this blog, we&39ll cover the recent boom in small business creation. Then, we&39ll look at the important lending t...

Small business applications have grown significantly in the past several years, and these small businesses are competing for capital and services. Combined with increased inflation, the financial pressures on them are growing. Commercial lenders, do you have the insights to navigate the ever-changing small business landscape? Equifax gives you the confidence you need to grow amid economic uncertainty.

Navigating the Ever-Changing Small Business Landscape <table> <colgroup> <col> <colgroup> <tbody> <tr> <td> <p>When it comes to the small business landscape the one thing we generally all agree on is this is a time of great...

The Great River MBA Conference is officially underway! 🎉 We’re proud to be a Diamond Sponsor—stop by and see us at Booth 1. 💎

Mortgage lenders, we hope to see you at the Great River MBA Conference this week and at the official GRC24 After Party on Wednesday, April 17 at 8:00 p.m. at Silky O'Sullivan's on Beale Street!

Tennessee CU colleagues, we hope to see you in Gatlinburg next week for the 90th annual Tennessee Credit Union League Convention. Drop by Booth 1103 and chat with our team! 👋