The Credit Trends and Tech Shaping 2026

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.

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.