What this means for lenders (LASER's perspective)
Experian argues that proving who is applying is becoming the next priority. For a lender, that points to a closer look at how applicant identity is verified at intake and how the file shows it. This is LASER's reading, not Experian's. Your counsel and fraud team confirm what applies to you.
What the report says
Experian released its 14th annual Data Breach Industry Forecast on September 28, 2026. Its press release is titled "Trust becomes the new cyber battleground in 2027" and says the report looks at how AI, identity fraud, data breaches and digital deception are converging.
Experian's view is that organizations have focused on preventing breaches, and now need to give verification and fraud prevention equal attention.
The report makes four predictions: proof of being human becomes the hottest new market; the rise of the digital doppelgänger; consumers fighting fire with fire; and breach notifications need a reset. These are forecasts, not findings.
About this story
Experian is a LASER credit partner and sells breach-response services. The forecast is Experian's own. The full report is behind a form, so this summary uses Experian's public press release and report page.
Sources
General reference point, not legal advice. Each lender confirms its requirements with its own compliance counsel. Summaries are written by LASER Credit Access from the sources linked above. LASER Credit Access is not affiliated with the news sources. Provider names belong to their owners.
LASER Credit Access, natively inside Salesforce.
Discover how LASER Credit Access streamlines compliance and decisioning natively inside Salesforce, unified in a single app, ready from day one.