Highlights:
Mitigate the surge in AI-generated digital forgeries by moving from document-based checks to source-verified payroll data Combat sophisticated salary staging and liar loans with an automated, single source of truth Establish digital trust at the point of contact to protect your organisation from credit and compliance risks.
AMP Bank has transformed its broker experience with a new origination platform that includes the automation of income verification. By integrating Equifax Verification Exchange - a direct-source data model that provides instant, digital access to verified income and employment data - AMP Bank has significantly reduced approval times and strengthened its defences against fraud.
Mortgage demand hits four-year high as a second consecutive quarter of double-digit growth for credit cards is observed and most prominent among younger Gen Z’s.
The latest Equifax Business Market Pulse for Q4 2025 reveals a multi-speed recovery. Large businesses are leading the way on credit demand growth, with an observed increase in overall demand reaching heights of up to +19.4% (trade credit) in some sectors, such as hospitality.
The latest data from Equifax reveals Australians demonstrated strong financial resilience in 2025, amid an ongoing cost-of-living crisis, the national average credit score remained in the ‘Excellent’ range at 864 (out of a possible 1200), lifting by three points from the 2024 average of 861.
Survey reveals broker anticipation of commercial loans has more than tripled over the past year, while 72% of brokers say they plan to work with customers dealing with ‘mortgage regret’ amid recent rate cuts.
Easing monetary policy and increasingly positive business conditions are spurring growth in commercial credit demand, which improved by 3% in Q3 2025 according to the latest Equifax Quarterly Commercial Insights - September 2025.
Understanding the criteria for a favourable iCIRT ‘Counterparties’ assessment.
Secured and unsecured credit demand soared in Q3 2025, with the latest Equifax Quarterly Consumer Credit Insights - September 2025 revealing mortgage applications rose by 10.3% vs Q3 2024, the strongest growth seen year-on-year since 2021. In addition, First Home Buyer (FHB) appetite climbed with the largest volume of FHB enquiries seen since Q1 2022.
