Core Insights - Betting activity among consumers increased to 30% in Q2 2025, up from 25% in Q2 2024, with significant growth among Gen Z and Millennials [1] - The report highlights that land-based casinos remain the top betting venues, closely followed by online sports betting, with Millennials increasing activity across all channels while Gen Z focused on online sports betting [3] Demographic Trends - The report identifies that the most active betting segments are urban-area Millennials and Gen Z consumers, predominantly renters without children, although Millennial households are more likely to have children and own homes [5] - A notable characteristic of these segments is a higher usage of cryptocurrency apps, indicating potential participation in online trading and gambling funded by cryptocurrency [6] Financial Behavior - Millennials and Gen Z consumers have seen their total monthly debt payments rise by 20% and 27% respectively, which is significantly higher than the inflation rate of 6% and wage growth of 8% [7] - Increased discretionary income is the most predictive factor for consumer engagement in betting, but factors like student loan repayments and inflationary pressures may hinder this engagement [8] Industry Recommendations - Operators are advised to prioritize long-term sustainability over short-term profits, with responsible gaming practices being essential to protect consumers and build trust with regulators [9] - The report emphasizes the need for operators to be sensitive to the financial situations of bettors, particularly as Gen Z is projected to become the dominant consumer segment in terms of spending [10]

Core Insights - TransUnion will release its financial results for Q3 2025 on October 23, 2025, at 6:00 a.m. Central Time [1] - A conference call to discuss these results will take place on the same day at 8:30 a.m. Central Time [1] Company Overview - TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries [2] - The company focuses on creating trust in the marketplace by providing a reliable representation of individuals through actionable consumer insights [2] - TransUnion has expanded its services beyond core credit into marketing, fraud, risk, and advanced analytics through acquisitions and technology investments [2] - The company's mission, termed Information for Good®, aims to foster economic opportunity and personal empowerment for millions globally [2]

New analysis shows how missing real-world attributes—like voter registration, vehicle ownership, and familial ties—can help lenders detect synthetic identities and reduce fraud exposureCHICAGO, Sept. 17, 2025 (GLOBE NEWSWIRE) -- With synthetic identities now linked to a record number of newly opened accounts, U.S. lenders faced more than $3.3 billion in exposure for the year ending 2024. This alarming trend underscores the urgent need for financial institutions such as auto lenders, mortgage lenders and cre ...

Core Insights - The share of consumers reporting rent payments to credit agencies increased from 11% in 2024 to 13% in 2025, indicating a growing trend in self-reporting among consumers [2][3] - Conversely, the percentage of property managers aware of and participating in rent payment reporting decreased from 48% to 44%, marking the first decline in four years [3] - TransUnion found that 79% of renters experienced an increase in their credit scores when their rent payments were reported [4] Consumer Behavior - A significant 57% of renters indicated they are more likely to rent from property managers who report rent payments to credit agencies [5] - Nearly 80% of renters stated they are more likely to pay on time when their payments are reported [5] Regulatory Developments - The Federal Housing Finance Agency mandated that Fannie Mae and Freddie Mac accept VantageScore 4.0 for mortgage underwriting, allowing rent payment history to be considered in mortgage applications [6][7] - California now requires property managers to report rent payments to credit agencies, while Colorado mandates that property managers offer rent reporting to tenants [6]

Core Insights - MoneyHero Limited has launched an invitation-only testing version of Credit Hero Club, aimed at providing users with a comprehensive credit report service and personalized loan product information [1] - The public testing phase is set to last approximately three weeks, with a full launch planned for Q4 2025 [1][2] - The collaboration with TransUnion allows Credit Hero Club to utilize real-time credit data to enhance user experience and improve approval rates for financial institutions [1][3] Product Features - After the public testing, Credit Hero Club will introduce core features that include in-depth insights and predictive analytics [2] - The platform aims to transition from a one-time comparison site to a reliable financial platform with ongoing user interaction [2] - Credit Hero Club will enhance the synergy between lending, insurance, and financial products, increasing customer lifetime value and profit growth potential [2] Market Opportunity - According to a study by TransUnion, 83% of Hong Kong consumers only hold basic credit cards, indicating a gap in the usage of other credit products [3] - Credit Hero Club is designed to help consumers understand their credit status and identify suitable products, thereby increasing their chances of approval [3][4] Company Overview - MoneyHero Limited is a leading personal finance integration and comparison platform in Southeast Asia, operating in Singapore, Hong Kong, Taiwan, and the Philippines [5] - As of March 31, 2025, the company had over 260 business partners and 5.7 million monthly unique users [5] - The company also holds equity in Jirnexu Pte. Ltd., the operator of Malaysia's largest B2C platform, RinggitPlus [5]

Core Insights - MoneyHero Limited has launched the invite-only beta version of Credit Hero Club, a platform aimed at enhancing users' understanding of their credit profiles and simplifying the loan application process, with a public launch targeted for Q4 2025 [1][2] Group 1: Product Development - Credit Hero Club is developed in partnership with TransUnion and provides users with access to their credit profiles and personalized loan product information [2] - The beta testing phase will last approximately three weeks, after which product adjustments will be finalized [1][3] Group 2: Market Opportunity - Research from TransUnion indicates that 83% of consumers in Hong Kong hold basic spend wallet credit cards, highlighting a gap in access to diverse credit products [5] - Credit Hero Club aims to address this gap by helping consumers understand their credit profiles and increasing their chances of approval for suitable financial products [5] Group 3: Business Model and Growth - By offering comprehensive credit monitoring and personalized insights, Credit Hero Club positions MoneyHero as a trusted financial platform, enhancing customer engagement and long-term value [4] - The platform is expected to unlock recurring monetization opportunities across lending, insurance, and wealth products, supporting margin-accretive growth [4] Group 4: Company Overview - MoneyHero Limited operates in Greater Southeast Asia, including Singapore, Hong Kong, Taiwan, and the Philippines, with a portfolio of B2C and B2B platforms [7] - As of March 31, 2025, MoneyHero had over 260 commercial partner relationships and approximately 5.7 million Monthly Unique Users [8]

Core Insights - MoneyHero Limited has launched the invite-only beta version of Credit Hero Club, a platform aimed at enhancing users' understanding of their credit profiles and simplifying the loan application process, with a public launch targeted for Q4 2025 [1][2] Group 1: Product Development - Credit Hero Club is developed in partnership with TransUnion and provides users with access to their credit profiles and personalized loan product information [2] - The beta testing phase will last approximately three weeks, after which the company will finalize product adjustments [1][3] - Future versions of Credit Hero Club are being explored to include more in-depth insights and predictive analysis [3] Group 2: Market Opportunity - Research from TransUnion indicates that 83% of consumers in Hong Kong hold basic spend wallet credit cards, highlighting a gap in access to diverse credit products [5] - Credit Hero Club aims to bridge this gap by helping consumers understand their credit profiles and increasing their chances of approval for suitable financial products [5] Group 3: Business Model and Growth - By providing comprehensive credit monitoring and personalized insights, Credit Hero Club positions MoneyHero as a trusted financial platform, enhancing customer engagement and long-term value [4] - The platform is expected to unlock recurring monetization opportunities across lending, insurance, and wealth products, supporting margin-accretive growth [4] Group 4: Company Overview - MoneyHero Limited operates in Greater Southeast Asia, including Singapore, Hong Kong, Taiwan, and the Philippines, with a portfolio of B2C and B2B platforms [7][8] - As of March 31, 2025, MoneyHero had over 260 commercial partner relationships and approximately 5.7 million Monthly Unique Users [8]

Core Insights - Marketers must adapt to changing consumer behaviors influenced by inflation and economic uncertainty, as revealed by TransUnion's segmentation analysis [1][2] - The analysis identifies four distinct consumer groups with varying confidence levels and spending behaviors, which are crucial for marketers to understand [2][11] Consumer Segmentation - **Stable Spenders**: Comprising mainly individuals aged 35-64 with incomes over $150k, this group focuses on upgrading their lifestyles and is less likely to reduce spending despite inflation concerns [4][6] - **Young Strivers**: Primarily aged 18-34 and earning less than $50k, this group is focused on lifestyle and social status, willing to spend on experiences but often waiting for tax refunds for significant purchases [5][7] - **Purposeful Planners**: A younger demographic (ages 25-44) with incomes between $75k and $150k, they prioritize planning for the future and are influenced by loyalty programs while still spending on essential items [8][14] - **Budgeting Realists**: Aged 45-64, this group is underemployed or unemployed, focusing on meeting basic needs with little discretionary spending, making them harder to reach with traditional advertising [9][14] Marketing Implications - Marketers should tailor their strategies to resonate with each consumer group's specific values and goals, utilizing insights from TransUnion's analysis to optimize engagement [10][11] - For **Stable Spenders**, emphasize quality and reliability in premium products and loyalty programs [6] - For **Young Strivers**, focus on affordable experiences and lifestyle-driven campaigns, particularly in urban areas [7] - For **Purposeful Planners**, campaigns should highlight family values and financial security rather than status [14] - For **Budgeting Realists**, value-driven offers on basic items will be more effective [14]

CHICAGO, Sept. 10, 2025 (GLOBE NEWSWIRE) -- The number of consumers whose rent payments are reported to credit reporting agencies rose to 13% in 2025, up from 11% in 2024, according to a new TransUnion (NYSE: TRU) report. This trend may gain momentum after the announcement of a policy from the Federal Housing Finance Agency (FHFA) that will make it easier for rent payments to help consumers qualify for mortgages. In July 2025, the director of the FHFA issued an order mandating that Fannie Mae and Freddie Ma ...

Question-and-Answer SessionMaybe, Chris, just from your vantage point, since you have a unique kind of insight into the end markets and so forth, just a broader macro question. A lot of focus on rate cuts and jobs data and employment. But just from your vantage point, like what are you seeing? Let's start with the U.S. for now.Christopher CartwrightPresident, CEO & Director Sure. Well, I'd say for about 18 months now, we have characterized the macro conditions as still muted, but stable, muted because in th ...