Shows
TransUnion: Extra CreditEpisode 40: Resilient but Uneven: How Consumers Are Weathering Credit PressuresPete Turek — a TransUnion® SVP responsible for overseeing relationships with more than 120 of the nation’s leading financial institutions — join Josh and Craig this month to unpack insights from the latest Consumer Industry Insights Report.
The discussion highlights a “K-shaped” dynamic in lending, with strong growth at both ends of the credit spectrum, record personal loan originations and Gen Z’s rising influence. The conversation also covers tighter credit lines, longer auto loan terms, delinquency trends across products and the impact of the recent government shutdown.
Looking ahead, the group examines how tax season, student loan offsets...
2025-12-0422 min
UnHacked - Cybersecurity Made Simple for Small Businesses72. Why Your Cybersecurity Training is Making You LESS Safe - with Craig TaylorHosts:Justin Shelley - https://www.phoenixitadvisors.com/ Mario Zaki - https://www.mazteck.com/ Bryan Lachapelle - https://www.b4networks.ca/Guest: Craig Taylor - http://cyberhoot.com/Your cybersecurity awareness training might be sabotaging your business. Recent studies show traditional "gotcha" phishing tests actually increase clicks and create disengaged, apathetic employees. Craig Taylor, CISSP-certified cybersecurity expert with 30 years of experience and co-founder of CyberHoot, reveals why punishment-based security training fails and how positive reinforcement and gamification can transform your first line of defense. Discover why rewarding good behavior works...
2025-11-1943 minTransUnion: Extra CreditEpisode 39: Rewiring Credit Furnishment for a New EraChristian Widhalm, CEO of Bloom Credit, joins the latest episode of Extra Credit to unpack the evolving landscape of credit data furnishment.
Christian shares how Bloom is tackling the limitations of legacy credit reporting formats — originally designed for traditional products and monthly cycles — and helping lenders report both conventional and alternative data more accurately and in real time.
The conversation covers the rise of BNPL, the promise of transactional data for underserved consumers and regulatory headwinds shaping open banking.
Widhalm also weighs in on why traditional credit data isn’t dead — despite the hype — a...
2025-10-3026 minTransUnion: Extra CreditEpisode 38: How Financial Institutions Win With Data-Driven MarketingIn this episode of Extra Credit, Harmon Lyons, VP of Strategy and Market Development for TransUnion’s financial services marketing solutions, joins Craig and Josh for a deep dive into the evolving role of data in financial services marketing.
Harmon shares insights from nearly 30 years in the industry, highlighting how all FS marketers — from regional credit unions to national banks — can overcome fragmentation, connect with customers across channels and prove ROI.
The conversation covers best practices for identity resolution, the importance of brand building — even on modest budgets — and how to balance acquisition and retention strategies...
2025-10-0133 minTransUnion: Extra CreditEpisode 37: Growth and Change on the Credit Risk SpectrumThe latest installment of Extra Credit has Dawn Figlioli, VP of Sales, Financial Services at TransUnion, stepping into the host seat, guiding a conversation with Craig and Josh on the latest credit market insights.
The trio explores the current lending environment, marked by both stability and caution, and dives into the surprising growth at both ends of the credit spectrum. They discuss rising delinquencies in auto and mortgage, the evolving role of FinTechs in super prime lending, and how refined risk strategies are reshaping subprime performance.
The episode also touches on the regulatory landscape and...
2025-09-1017 minTransUnion: Extra CreditEpisode 36: Risk, Resilience and the Future of LendingDJ 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 u...
2025-06-1724 minTransUnion: Extra CreditEpisode 35: The Economic Crossroads of Tariffs, Global Trade and Labor Market TrendsIn 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...
2025-05-2731 min
Banking Transformed with Jim MarousBanking Under Siege: Building Resilience Against Rising FraudSince 2020, financial institutions have faced a perfect storm – rising funding costs, increased delinquencies, and now, a dramatic surge in sophisticated fraud attacks.
We're joined on the Banking Transformed podcast by two experts from TransUnion who are at the forefront of understanding and combating these threats: Joshua Turnbull, VP of Card and Banking Strategy, and Craig LaChapelle, VP of Market Development. They'll share insights on why fraud losses are becoming more painful in today's high-cost environment, how fraudsters have adapted their strategies post-pandemic, and most importantly, how financial institutions can build resilience against these evolving th...
2025-05-0140 minTransUnion: Extra CreditEpisode 34: A Cautiously Optimistic Consumer Credit MarketTransUnion 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 dema...
2025-02-2126 minTransUnion: Extra CreditEpisode 33: 2024 in Review: From Past Predictions to Future InsightsJason Laky, Executive Vice President of Financial Services at TransUnion, returns for the first time since June 2022! Things kick off with a review of past predictions, including a recession forecast and an assessment of the current consumer credit market. Jason is optimistic about stable interest rates and potential regulatory improvements benefiting financial services.
Josh and Jason discuss 2024 lender impacts across mortgage, auto, credit card and FinTech sectors, with a look at the state of consumer financial health. Jason considers whether consumers will adapt to current interest rates to enter the housing market.
Craig and Jason...
2024-12-1940 minTransUnion: Extra CreditEpisode 32: Risky Business: Tackling Fraud Threats in a Shifting Card MarketTransUnion Sales VP Danielle Parry-Hill joins the podcast this month to discuss the state of the card market and growing concerns around fraud.
Danielle and Josh kick things off by noting while originations are down, charge-offs, delinquencies and card utilization are rising. Danielle raises a key question from CFIs: Have delinquencies peaked? Craig advises issuers to adjust their risk strategies accordingly.
Danielle points out CFIs are now facing significant fraud challenges, including bots testing identities. Josh highlights the surge in early default losses on credit cards and growing difficulty in managing fraud due to synthetic...
2024-11-2226 minTransUnion: Extra CreditEpisode 31: Modernizing Touchpoints Across the Card Consumer LifecycleWith Steve Manion joining the podcast this month, the conversation kicks off with a year-over-year review of consumer card usage. Josh examines shifts in bankcard balance and origination growth; Craig reveals which consumers are taking on far less new debt; and Steve wants to know how current charge-off balances compare to pre-COVID levels.
Steve and Craig then discuss how lenders are leveraging technology to enhance marketing and speed to market. Josh emphasizes the need for lenders to diversify their consumer engagement tactics, ensuring relevant offers at every touchpoint and channel, and delivering personalized experiences efficiently.
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2024-08-2239 minBanking Transformed with Jim MarousUnpacking Credit Card Challenges and Opportunities for GrowthAs the credit landscape shifts under the pressures of economic changes, new technologies, and evolving consumer behaviors, financial institutions must explore how to adapt strategies to meet these challenges head-on.We are excited to have Josh Turnbull, VP of Card and Banking Strategy, and Craig LaChapelle, VP of Market Development at TransUnion, join us on the Banking Transformed podcast. They discuss the changing patterns in consumer credit management, the emergence of new user segments, and how financial institutions are innovating to meet evolving demands.They also delve into successful market strategies, the impact of AI a...
2024-08-2250 minTransUnion: Extra CreditEpisode 30: Bridging the Generational Gap in Community BankingPart Two: Live From TransUnion’s 2024 Financial Services Summit, Las Vegas
In part two of the 2024 FS Summit episode, TransUnion’s Sean Flynn sits down with Union Credit co-founder and CRO Barry Kirby to highlight some key challenges facing credit unions today.
Sean and Barry start by discussing the contradiction credit unions are running into as they balance growing their young member bases with needing more deposits due to liquidity constraints.
Barry shares the widening average age gap between credit union members (57) and US consumers (37), and describes why educating younger generations on the bene...
2024-06-1714 minTransUnion: Extra CreditEpisode 29: Credit Union Strategies for Consumers Facing Financial PressurePart One: Live From TransUnion’s 2024 Financial Services Summit, Las Vegas
In part one of the 2024 FS Summit episode, credit union VPs Heather Dufourny (Service Credit Union) and Heather Sullivan (Randolph-Brooks Federal Credit Union) sit down with Craig and Josh in Las Vegas to discuss the goings-on in the credit union industry.
Craig is curious to hear which products members are most interested in, and wonders how Dufourny’s and Sullivan’s credit unions are responding to the financial squeeze many members are experiencing.
Dufourny and Sullivan share how each of their organizations are ut...
2024-06-0614 minTransUnion: Extra CreditEpisode 28: Trends in the Card Industry: From Generational Preferences to Responding to RiskGuest FJ Guarrera puts Craig and Josh in the hot seat this month with questions around recent consumer performance, trends and preferences in the card industry.
The conversation kicks off with a macroeconomic view of the market since last quarter — ranging from consumer sentiments to card balances and originations to the impact consumer stress levels are having on their financial health.
FJ asks how issuers should be responding to elevated risk in the marketplace, and Josh shares strategies lenders might consider to alleviate some of that pressure.
Craig shares an update on the pr...
2024-05-1330 minTransUnion: Extra CreditEpisode 27: The Evolving Role of Data in Financial Services MarketingMatt Spiegel and Patrick White join the podcast this month to discuss the ongoing transformation of marketing strategies and operations.
Josh kicks things off by remarking on the lack of financial advertising in this year’s Super Bowl; Matt discusses how financial services marketers should be connecting brand and performance data for more precise results; and Craig and Patrick discuss the opportunity costs of disconnected datasets, including deterministic versus probabilistic data matching.
Plus, Josh details some surprising marketing solicitations he’s received from his bank; Patrick describes three things lenders can focus on to ensure they...
2024-04-1033 minTransUnion: Extra CreditEpisode 26: The Implications of a ‘Higher for Longer’ MarketPaul Siegfried who leads the card and banking business at TransUnion returns to Extra Credit for the third time to discuss what’s ahead for card issuers and consumers in 2024.
Paul cautiously forecasts how rates, delinquencies and charge-offs might look by the end of the year; Craig asks what the market can expect to see in terms of unemployment and wage growth; and Josh wants to know how priorities and agendas are looking when broken out by segment.
Plus, Josh digs into whether fraud has really evolved (or does it just feel different in this ec...
2024-03-1234 minTransUnion: Extra CreditEpisode 25: How Will Recent Card Performance Impact Issuers in 2024?TransUnion financial services sales leader Stephanie Donaghy joins this month's podcast to ask Craig and Josh about recent trends in the card market — based on key questions she’s hearing from within the industry.
The conversation covers everything from consumer credit health and sentiment continuing into 2024; how consumer spending is impacting balances across risk sectors; and the relationship between utilization and stress.
Josh and Stephanie also discuss the right balance of anti-fraud measures within application experiences geared toward younger consumers. Craig speaks to private label card balances being at an all-time high, and Josh weighs in o...
2024-02-1531 minTransUnion: Extra CreditEpisode 24: The Events, Trends and Dynamics That Shaped Lending in 2023Craig kicks off the last Extra Credit episode of the year with a macro recap of 2023, ranging from the impact of increased interest rates on markets and consumers to economic and geopolitical disruptions to the growing presence of artificial intelligence.
Taking a more micro view of the market over these last 12 months, Josh highlights interesting patterns around originations, delinquencies and card balances; discusses lender investments into marketing and fraud programs; looks at capital markets and consumer affordability; and describes the impact and uncertainty stemming from increased regulations.
Finally, Craig and Josh look back at some...
2023-12-1926 minTransUnion: Extra CreditEpisode 23: Navigating Risk in an Uncertain MarketSMBC ManuBank CRO Mike Leary joins the podcast this month to discuss the relationship between risk and financial institutions in today’s economic environment.
Mike and Craig discuss the lesser-known risks impacting portfolios today, including hidden buy now, pay later loans and credit score inflation.
Mike weighs in on positioning a card portfolio in uncertain times; explains why some banks are using credit cards as transactional products; and stresses the need for working tools to properly assess the stability of consumer credit scores.
Josh asks for Mike’s opinion on which market innovations hold...
2023-12-1338 minTransUnion: Extra CreditEpisode 22: The Transitioning Landscape of Auto FinancingTransUnion SVP of Auto, Satyan Merchant, joins Craig and Josh this month to discuss emerging trends within the US auto financing market.
We begin with Satyan touching on today’s top auto industry headlines — from supply chain issues and high interest rates impacting consumer affordability to major shifts in market share.
Satyan describes how technology-forward dealerships and lenders are modernizing the industry by offering online-to-offline car shopping experiences, and shares how lenders should be thinking about the growing number of credit-active Gen Z consumers.
Josh and Craig ask for Satyan’s opinion on the fu...
2023-09-1835 minTransUnion: Extra CreditEpisode 21: The US Policies and Regulations Impacting the Financial Services Sector TodayTransUnion Head of US Government Relations, Allison Shuster, returns to Extra Credit this month to discuss the political and legislative activities currently impacting the US financial services industry.
Craig and Allison start by discussing the proposed Fair Credit Reporting Act (FCRA) rulemaking process expected to take place later in 2023, whether government partisanship is as challenging as it’s portrayed in the media, and how legislators are turning to the private sector to help inform policy decisions.
Next Josh and Allison talk about the major focus areas for regulators that might not be as headline-grabbing, including a...
2023-08-1831 minTransUnion: Extra CreditEpisode 20: Advancing Financial Inclusion: A Story of Policy, Data and TechnologyJoining Craig and Josh this month is Melissa Koide, Founder and CEO of FinRegLab — a nonprofit organization that tests and researches technology to help inform public policy and advance financial inclusion.
Melissa touches on some of FinRegLab’s key initiatives, including the use of cashflow data to predict credit risk and assess populations with limited or no credit history; new research the organization is doing on machine learning algorithms being used in financial services; and a partnership with Kenya’s government, banks and bureaus to determine the optimal data insights needed for credit risk assessing women-owned small busine...
2023-06-2935 minTransUnion: Extra CreditEpisode 19: The Pressures and Opportunities Facing Credit UnionsIn this month’s episode, credit union leaders Kaylyn Leese and Michael Kelly join Craig and Josh onsite at TransUnion’s 2023 Financial Services Summit in Chicago.
Kaylyn and Michael begin by sharing what they’re excited about within the lending space followed by a discussion of the challenges credit unions are up against — including a competitive market and balancing new technology — as they pursue opportunities to support their members and communities.
Our guests then weigh in on the pressure credit unions are facing to deliver high-touch, digital experiences; Josh wonders how each of their credit unions is handlin...
2023-05-2431 minTransUnion: Extra CreditEpisode 18: The Financial Services Industry’s Evolving Relationship With TechnologyThis month on the podcast, TransUnion Chief Information and Technology Officer Abhi Dhar joins Craig and Josh to discuss how credit lenders are contending with technology enablement trends in the financial services industry.
Josh and Abhi kick the conversation off by examining the global business drivers impacting how organizations — and especially leadership — are thinking about technology. Abhi notes how the pandemic accelerated cloud adoption for many financial institutions, and emphasizes how important it is for business leaders to appeal to engineering talent.
Abhi then addresses what lenders can do to better adapt to these significant mark...
2023-03-2835 minTransUnion: Extra CreditEpisode 17: The Competitive Shifts Shaping the Credit Card MarketAfter focusing on market forecast trends in last month’s episode, Craig and Josh are diving deeper to examine the competitive dynamics currently facing issuers — and how technology is shaping that competition. They are joined by David Shipper, a strategic advisor at research firm Aite Novarica with expertise in the card and payment space.
Josh and David start by discussing the power of convenient payment methods, and how alternative digital payment apps are creating shifts in the market. David points out key customer-centric trends being overlooked by many financial institutions, while highlighting opportunities for banks willing to exam...
2023-03-0131 minBanking Transformed with Jim MarousThe Future of Credit Card MarketingCredit cards are one of the primary foundations for credit relationships at many financial institutions, accounting for 37% of consumer purchases by dollar value in 2021. But the marketplace is changing, as usage patterns evolve due to economic conditions and new credit alternatives.To continue to grow credit card relationships, banks and credit unions must reimagine their products to meet consumer needs, using deeper data insights to to reach specific segments, drive engagement, and rethink card economics.We have Josh Turnbull and Craig LaChapelle from TransUnion on the Banking Transformed podcast. They share the current state of t...
2023-02-1643 minTransUnion: Extra CreditEpisode 16: A Look at Consumer Credit Behavior and Trends in 2023To kick off our first episode of the year, TransUnion’s Michele Raneri (VP of Financial Services Research and Consulting) and Kathy Maffei (Sr. Director of Argus Advisory, a TransUnion Company) join this month’s podcast to share their predictions for 2023.
Michele begins with a conversation on originations and delinquencies in the personal loan, mortgage and auto industries, and the resulting impact they could have on consumer credit health in the US. She and Craig discuss how consumers are still quitting their jobs in record numbers — despite believing a recession is coming — and what that means for consumer...
2023-02-0829 minTransUnion: Extra CreditEpisode 15: Dynamics, Trends and the State of the Credit Market (Part Two)To close out the year with a bang, December’s Extra Credit episode is a double-header. Paul Siegfried, TransUnion Head of Card and Banking, joins Josh and Craig for a two-part podcast where he shares his perspectives on current consumer and competitive trends in the credit card market, and how issuers can differentiate and position themselves for growth.
Part two of episode 12 kicks off with the second half of the car-themed trivia before honing in on competitive pressures facing different card issuer segments as they position themselves to acquire and retain customers, transactions and balances. Paul explains th...
2022-12-1523 minTransUnion: Extra CreditEpisode 14: Dynamics, Trends and the State of the Credit Market (Part One)To close out the year with a bang, December’s Extra Credit episode is a double-header. Paul Siegfried, TransUnion Head of Card and Banking, joins Josh and Craig for a two-part podcast where he shares his perspectives on current consumer and competitive trends in the credit card market, and how issuers can differentiate and position themselves for growth.
In part one of episode 12, the conversation explores the financial health of the American consumer and credit market dynamics, including how issuers are faring relative to other lending institutions, and what they’re thinking about as they look to 2023. Paul...
2022-12-1427 minTransUnion: Extra CreditEpisode 13: How Credit Card Issuers Can Help Consumers Meet Their Financial Obligations in Today’s EconomyThe credit card market is the focus when Craig and Josh sit down with Bill Bostwick, Senior Vice President and Head of Atlanticus’ card division. A veteran leader in the card space, Bill brings deep experience to his role as he partners with banks, retail and healthcare organizations to help the financially underserved manage their financial well-being.
This conversation discusses upcoming challenges in the card market, and explores how the industry can address potential obstacles — for both issuers and consumers — as the economy continues to evolve. Reflecting on recent trends and what they foretell, Bill shares valuable insigh...
2022-10-1928 minTransUnion: Extra CreditEpisode 12: A Macroeconomist’s View of the Economy and Where It’s HeadedTo gain perspective on where our economy stands and where it’s headed, we’re delighted to welcome Ryan Boyle to this month’s podcast. A macroeconomist at Northern Trust — and TransUnion alumnus — Ryan brings deep knowledge and practical insight on multiple forces at play, giving us a better understanding of what’s actually happening and how.
In this episode, Josh and Craig ask Ryan about the current state of the US economy and how it fits within the global context. Ryan shares his perspectives on labor and employment trends, supply chain issues, inflation — and the implications for consumer l...
2022-09-2135 minTransUnion: Extra CreditEpisode 11: How a Technology Revolution Could Impact Payment ProvidersWe’re thrilled to welcome guest Rahul Gupta to this month’s podcast! Having worked in financial tech, banking and payments spaces since the 90s, Rahul brings a wealth of information and insight to the table — and has many thoughts on what card lenders should expect in the coming decade.
In this episode, Craig asks Rahul how new developments in the payments space could impact card lenders — which leads to the group discussing whether Payment-as-a-Service (PaaS) might become an expansion of card wholesale for vertical-based lenders. Rahul alludes to a technology revolution in which all industries eventually offer embedded...
2022-08-1729 minTransUnion: Extra CreditEpisode 10: The State of the Financial Services Industry and Thoughts on Economic UncertaintyTransUnion’s Jason Laky (Executive VP of Financial Services) joins this month’s episode to discuss the state of the financial services industry — now that we’re just over halfway through 2022.
Craig and Josh inquire about consumer credit health, which Jason says is in very good shape despite a turbulent economy. Jason looks back on some industry predictions he made earlier in the year, including those regarding auto and mortgage markets, and supply and demand of consumer credit cards. Then, Craig and Josh open the floor to discuss risks and opportunities for lenders across various financial products; and Jaso...
2022-07-2734 minTransUnion: Extra CreditEpisode 9: The Policy Initiatives and Regulations Affecting the US Financial Services IndustryTransUnion’s Rachel Goldberg (Global Head of External Affairs) and Allison Shuster (Head of U.S. Government Relations) join the podcast this month to discuss US policy initiatives affecting the financial services industry, as well as the current regulatory landscape in Washington D.C.
In this episode, our guests touch on the debate regarding a federal privacy standard and how difficult it’s been for legislation to pass at a federal level. Allison weighs in on possible regulatory impacts should control of the legislative branches shift during the midterms; Rachel shares her thoughts around financial inclusion efforts from the...
2022-06-1525 minTransUnion: Extra CreditEpisode 8: The Evolution of Financial Inclusion (Part Two)This month, we’re seeing double with two guests and two episodes! Joining Craig and Josh are Karen Andres (Director of Policy and Market Solutions and Project Director of the Retirement Savings Initiative at the Aspen Institute Financial Security Program) and Josh Sledge (Senior Director of Incubation at the Filene Research Institute, a “think and do tank” in the credit union space).
In part two of this month’s episode, Craig asks Karen and Josh S. to offer opinions on the government’s role in regulating financial products. They also discuss the importance of truly understanding consumer outcomes. Our guests...
2022-05-2618 minTransUnion: Extra CreditEpisode 7: The Evolution of Financial Inclusion (Part One)This month, we’re seeing double with two guests and two episodes! Joining Craig and Josh are Karen Andres (Director of Policy and Market Solutions and Project Director of the Retirement Savings Initiative at the Aspen Institute Financial Security Program) and Josh Sledge (Senior Director of Incubation at the Filene Research Institute, a “think and do tank” in the credit union space).
In part one, Karen and Josh S. explore how the approach to financial inclusion has evolved over the decade — specifically regarding the role of financial institutions. Karen discusses the Aspen Institute’s recent call for the Biden admi...
2022-05-2526 minTransUnion: Extra CreditEpisode 6: Overhyped FinTech Trends and Navigating a Saturated Card MarketJason Mikula is on the podcast this month! Having spent more than decade building and scaling consumer finance businesses — including Enova, LendUp and Goldman Sachs — Jason is now the publisher of the Fintech Business Weekly newsletter and an advisor for early stage startups.
In this episode, Jason shares the FinTech trends he believes are overhyped, and argues that creditors and lenders aren’t paying enough attention to the rapidly changing payments universe. He offers his perspective on cryptocurrency and the US regulatory environment, and he, Craig and Josh discuss measures lenders can take as the credit card market become...
2022-04-2032 minTransUnion: Extra CreditEpisode 5: The Innovations and Setbacks Across Today’s Card and Banking UniverseSusan Ehrlich joins Craig and Josh on the podcast this month, drawing on a wealth of industry experience at incumbent banks, neobanks, large credit card lenders, and more — including running Amazon’s global credit card program, serving as CEO of Earnest, and now sitting on the boards for BECU, Petal and Arrived Homes.
In the episode, Susan shares her excitement for how companies are expanding access to consumers across the credit spectrum. They discuss the legacy tech challenges traditional FIs and credit card lenders are facing, implications of the banking industry moving to the cloud, and what credit unio...
2022-03-1731 minTransUnion: Extra CreditEpisode 4: Credit Unions, Trended Credit Scores and Giant Foam WedgesThis month, Craig and Josh are joined by Jim Block, COO and Executive VP at BCU — a large, Chicago-based credit union serving members across the US.
After asking Jim to weigh in on their prediction around trended credit scores, Craig and Josh inquire about how BCU leverages and balances trended credit data, as well as the credit union’s focus on financial inclusion.
Craig and Josh then quiz Jim on some credit union history, and Jim shares an update on the giant foam wedge that once lived in his basement.
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For questions or to suggest an epi...
2022-02-1620 minTransUnion: Extra CreditEpisode 3: Bonus Episode - Extra Credit: February Q&AA top 50 credit union wants to grow its card program but is having trouble deciding whether to maintain its ‘credit union marketing philosophy’ or pivot its strategy to resemble that of a bigger bank.
Hear Craig and Josh answer this listener’s question — and others — in this month’s Q&A.
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To ask a question or suggest an episode topic, please email ExtraCredit@transunion.com.
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.
The informatio...
2022-02-0304 minTransUnion: Extra CreditEpisode 2: Looking Ahead: Key Drivers and Predictions for 2022Looking ahead in 2022, TransUnion’s Craig and Josh discuss the trends and developments within four key areas of card and banking:
Consumer economic health and behavior
Significant government and regulatory trends
Competitive developments
External influences
5.
From there, they make their predictions — covering everything from inflation levels and origination numbers to credit unions and reengineered checking accounts. They even commit the cardinal sin of mentioning religion and politics… but Craig was too busy thinking about Scotch to notice.
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For questions or to suggest an episode topic, email ExtraCredit@transunion.com.
The information discussed in this podcast constitutes the opinion...
2022-01-2727 minTransUnion: Extra CreditEpisode 1: Extra Credit Episode 1: 2021 in ReviewIn the inaugural episode of Extra Credit, TransUnion's Craig LaChapelle and Josh Turnbull look back on how the card and banking industry fared in 2021.
Several questions were discussed, including:
What were the dynamics of consumer demand, and how did ongoing effects of the pandemic impact consumer balances and liquidity?
What did we learn about Buy Now, Pay Later consumers?
How did Gen Z’s growing involvement in the credit market compare to preceding generations?
Featuring guest Paul Siegfried, Head of Card and Banking at TransUnion.
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For questions or to suggest an epis...
2022-01-1044 min
Hear Me, See Me PodcastHear Me, See Me. Podcast. Mark Anthony Bradley, Stylist / Fashion Director.Hear Me, See Me. Podcast. Mark Anthony Bradley, Stylist / Fashion Director.Mark Anthony has worked in the fashion industry for over 20 years and is one of the most indemand stylists working today. Along with styling, Mark has perfectly honed his skills in fashiondirection, art direction and wardrobe design, as well as brand consultation and dedicated personalshopping.Mark prides himself on his reputation, which he has attained through hard work, an impeccableeye for detail, a highly professional yet collaborative approach and his demand...
2021-09-2239 min