At the April 2026 Risk Summit, members of Auriemma Roundtables’ risk-focused groups gathered for their individual sessions—and then heard from knowledge partners on how the credit and fraud landscape is shifting. Across those presentations, several themes stood out.

On the macro side, presenters pointed to slowing growth, persistent inflation, and rising recession risk. They tied those conditions directly to borrower behavior, with consumers reprioritizing payments, leaning on short-term credit, and spreading obligations across more products. These shifts are creating risk patterns that traditional models do not fully capture.

Several sessions focused on the evolving data landscape. Knowledge partners highlighted how alternative and cash flow data are expanding visibility into borrower health. Income fragmentation, BNPL growth, and off-balance-sheet obligations are limiting the effectiveness of bureau data alone. Transaction-level insights are helping institutions better assess capacity and risk, especially in gray areas.

Other presentations addressed the challenge of execution. Many institutions can identify emerging risks early, but still rely on infrastructure that slows policy changes and decision updates. That gap continues to impact performance.

Fraud sessions showed how quickly threats are evolving. Presenters outlined how automated, agent-driven activity can replicate legitimate behavior at scale, while abandoned identities allow fraud rings to operate with greater persistence.

Finally, partners discussed AI in practical terms—focusing on where it delivers value and how teams integrate it into decisioning workflows.

If these trends are showing up in your organization, connect with us to learn how your peers are responding.