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Market Pulse is a monthly podcast by Equifax, in partnership with Moody’s Analytics. Equifax hosts bring you interviews with industry experts on the latest economic and credit insights that can help drive better business decisions. Whether you’re in financial, mortgage, auto or another service industry, we help make sense of the latest economic conditions that impact you. This podcast series supplements our Market Pulse webinars, which occur on the first Thursday of each month.
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AJ Climate Champions

Architects’ Journal

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Brought to you by the Architects’ Journal. AJ sustainability editor Hattie Hartman and co-host Rachael Owens talk to changemakers and innovators who are transforming architecture by designing in ways that respect planetary boundaries. Nominated for Audio Content of the Year at the PPA Awards 2025. Show notes & more info here: https://www.architectsjournal.co.uk/podcasts
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show series
 
Equifax Senior Advisor Tom O’Neill sits down with Ian Wright, Chief Strategy Officer at IXI, to unpack the shifting landscape of consumer wealth in a post-COVID economy. Drawing on exclusive IXI data, they explore how total U.S. household assets have grown to over $66 trillion—while the median household has actually lost ground. The conversation di…
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Host Emmaline Aliff is joined by economist Amy Crews Cutts, President at AC Cutts and Associates, and a panel of Equifax experts—Maria Urtubey, Tom O'Neill, and Dave Sojka—to unpack the latest signals from both hard and soft economic data. From shifting consumer sentiment to rising tariffs and the ripple effects on credit, lending, and affordabilit…
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Host Olivia Voltaggio is joined by Shandor Whitcher, Economist at Moody’s Analytics, for a timely check-in on the U.S. economy. They discuss the recent shift from early-year optimism to growing uncertainty driven by shifting trade policy, rising jobless claims, and inflation concerns. Shandor breaks down the latest GDP and consumer credit data, exp…
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In this Small Business Month edition, experts from Fiserv and Equifax unpack how small businesses and consumers are responding to ongoing economic uncertainty. Darryl Tyndorf, Director of Economic and Analytical Insights at Fiserv; Mike Spriggs, Head of Consumer Insights at Fiserv; and David Adams, Head of Commercial Product Marketing at Equifax di…
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Equifax advisors Jesse Hardin, Dave Sojka, Tom O'Neill, and Maria Urtubey explore the disconnect between positive hard data and declining consumer sentiment, rising concerns over tariffs, and their disproportionate impact on households and businesses. They dig into leading indicators to watch—like delinquency rates, employment trends, and consumer …
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Episode 58. AJ Climate Champions with Hattie Hartman and Rachael Owens. Material Cultures co-founder Summer Islam explains how a regional ‘materials matrix’ informs the design process. ‘We imagine the future, rather than working within the present,' says Islam, describing the approach of design and research consultancy Material Cultures. ‘We specul…
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With President Trump’s administration in full swing, we’re joined by Shandor Whitcher, economist at Moody’s Analytics, to break down key economic trends shaping the year ahead. Get the latest on inflation, labor market dynamics, and the Federal Reserve’s approach to interest rates, along with the impact of global trade policies, emerging technologi…
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Episode 57. AJ Climate Champions with Hattie Hartman and Rachael Owens. Melissa Mean from community land trust WeCanMake explains how a community-led approach in Bristol is tackling the housing crisis. ‘What if the power and resources to make good homes were in the hands of our communities? What if you literally put the tools in people's hands to d…
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Episode 56. AJ Climate Champions with Hattie Hartman and Rachael Owens. Gbolade Design Studio’s Tara Gbolade shares insights from her new book, Changing the Game: How to be a sustainable and regenerative small practice. Gbolade champions the nimbleness of small practices that enables them to rapidly pivot toward a more regenerative future. Drawing …
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The Equifax Advisory Team dives into predictions for 2025, exploring key economic themes such as tariffs, immigration reform, and the ongoing housing affordability crisis. The discussion also touches on potential policy impacts from the new administration and how unexpected events could shape economic outcomes. Resources: CreditForecast.com is a jo…
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The Equifax advisory team reviews the U.S. economy in 2024, discussing key developments and their implications for lenders and consumers. Jesse Hardin, Em Aliff, Tom O'Neill, Dave Sojka, and Maria Urtubey explore interest rates, inflation, housing, labor trends, and consumer credit. The Federal Reserve's rate cuts aimed to cool inflation and suppor…
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Episode 55. AJ Climate Champions with Hattie Hartman and Rachael Owens. AJ Climate Champions’ latest series focuses on retrofit. Our guest today is Thom Brisco of Brisco Loran, who talks to us about Costa's Barbers, a live-work shopfront which triumphed in the Project under £500,000 category at the AJ Architecture Awards last week. Brisco describes…
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Episode 54. AJ Climate Champions with Hattie Hartman and Rachael Owens. AJ Climate Champions latest series focuses on retrofit. Our guest today is IF_DO founder Sarah Castle, who explains that community engagement is not just asking people what they want, but what they can do. ‘It’s about giving people the power to change their environments and mak…
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Host Tom O'Neill sits down with Equifax’s Chief Strategy Officer, Ian Wright, to discuss strategies for growing and protecting deposits in today’s competitive financial landscape. With traditional banks, fintechs, and neobanks all vying for deposit share, how can institutions gain a competitive edge? Ian shares insights on leveraging financial data…
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Episode 53. AJ Climate Champions with Hattie Hartman and Rachael Owens. AJ Climate Champions is back, with a new series focusing on retrofit. Our guest today is Maria-Chiara Piccinelli, associate director and project lead on the London School of Economics’ Firoz Lalji Global Hub (FLGH). In the episode she explains how each building element requires…
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The Risk Advisor team at Equifax discusses the recent 50 basis point rate cut by the Federal Reserve and its wide-reaching impact on the U.S. economy. Topics including consumer sentiment, the housing and auto markets, and the lending landscape offer valuable insights into how these changes will affect both households and financial institutions. The…
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In this illuminating panel discussion, Tom Aliff, Risk Advisors Leader at Equifax, delves into key economic concerns and forecasts with economists Amy Crews Cutts, President at AC Cutts and Associates LLC; Robert Wescott, Founder and President of Keybridge; and Mark Zandi, Chief Economist of Moody's Analytics. They explore the implications of budge…
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Bob Homer, General Manager and VP of Insurance and Alliances at Equifax, and Stephen Crewdson, Senior Director of Global Business Intelligence at JD Power, discuss the sharp rise in home and auto insurance premiums, driven by both economic and social inflation, and the impact on consumer affordability and behavior. Bob and Stephen explore how insur…
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The Equifax Risk Advisors team explores the complexities of the current economic landscape, discussing key topics such as the K-shaped recovery, inflation's impact on consumer sentiment, and rising delinquency rates. They also respond to recent comments by economists on trends in consumer spending, credit risk, and the nuanced effects of economic p…
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With 93% of small business owners anticipating growth, the timing of potential Fed interest rate cuts remains a critical factor. Sarah Briscoe, lead commercial statistical analyst at Equifax, sheds light on the latest trends in small business lending, delinquency, and default rates, highlighting the unique insights from the Equifax small business i…
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Episode 52. AJ Climate Champions with Hattie Hartman and Joe Jack Williams. To achieve replication at scale, Nicolas Coeckelberghs of Brussels-based BC Materials favours compressed earth blocks over rammed earth. ‘Our goal is to bring earthen construction from a niche to a growing market,’ says Coeckelberghs. He likens this challenge to playing che…
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Our all-female panel of financial experts answer your burning questions about consumer credit, loan performance, and economic trends shaping affordability. Our panelists including Amy Crews Cutts, president and chief economist at AC Cutts & Associates, and Equifax’s own Maria Urtubey, Anna Fisher, and Mariette de Meillon address questions submitted…
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Episode 51. AJ Climate Champions with Hattie Hartman and Joe Jack Williams. Daniel views mud and waste as opportunities, not obstacles. He advocates an approach of ‘maximum optimism’, explaining that mud and waste enhance his designs. ‘I follow the materials; they do not follow me,’ he says. Sourcing materials primarily from within five miles of a …
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Join the Risk Advisors Group at Equifax as they discuss the current state and future trends of interest rates and their profound impact on the U.S. economy. The conversation delves into the Federal Reserve's strategies in response to inflation and economic shifts, exploring how these changes affect various sectors including banking, mortgages, and …
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Episode 50. AJ Climate Champions with Hattie Hartman and Joe Jack Williams. Carmody Groarke sustainability lead Sian Ricketts explains how architecture can adapt to the reality of finite resources and an abundance of waste. Ricketts says that architects should develop their intuition and new rules of thumb to design for a changing climate. Architec…
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Scott McMahon, alliance manager for Automotive Partnerships at Equifax, leads a panel discussion on current trends, the rising challenge of fraud in the automotive space, and the industry's outlook, with a special focus on consumer affordability and the evolving electric vehicle (EV) market. His esteemed panel includes Steve Greenfield, general par…
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Ep 49. Structural engineer David Watson describes the enduring appeal of brick and its underexploited superpower: reuse Brick has many advantages: durability, aesthetics, use as both envelope and structure, and the possibility of local (even artisanal) production. This last point differentiates it from steel and concrete, due to the Ordinary Portla…
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We’re joined by Jeff Richardson from VantageScore to discuss how inflation is impacting households. We dig into factors contributing to rising delinquencies, the expected continuation of this trend, and the impact on different consumer segments. Additionally, we address the role of stimulus on credit scores and the strategies that organizations sho…
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Episode 48. AJ Climate Champions with Hattie Hartman and Joe Jack Williams. Structural engineer Eva MacNamara of Expedition Engineering explains how we can radically reduce our use of concrete and how to better understand the biodiversity impacts of material choices. In this episode, we dive into the tricky topic of concrete and unpick the widespre…
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For the first in a new six-part series on materials, Hattie is joined by co-host Joe Jack Williams to interview Martha Lewis, head of materials at Danish practice Henning Larsen. Lewis argues that a baseline of health and environmental impacts should inform material specification, and explains why a holistic approach is essential to navigate the nu…
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The Equifax Risk Advisory practice explores various aspects of risk management, from evaluating and mitigating risks to implementing strategies that align with institutional goals and risk tolerance. This episode is a must-listen for professionals seeking to deepen their understanding of risk management in today's complex economic landscape. In thi…
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Host Dave Sojka and the Equifax Risk Advisors team delve into the intricacies of affordability in the current economic landscape. The discussion covers a range of topics, including the impact of rising debt, inflation, and changing consumer behaviors on consumers' ability to afford housing, automobiles, and insurance. In this episode: · Consumer ho…
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Did economic predictions for this year pan out? And what themes will dominate 2024? Join our Risk Advisory team as they assess how the economic outlook has really impacted consumers and industries. In this episode: Revisiting economic trends Transitory inflation Consumer spending Labor Market Auto Industry Banking and Lending BNPL and regulation Cr…
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Episode 46. AJ Climate Champions with Hattie Hartman and George Morgan. Andrew Waugh explains how building with timber can address industry transformation at scale. ‘I want to transform the whole industry,’ says Waugh, founding director of Waugh Thistleton which was recently named Practice of the Year at the AJ Architecture Awards. In this episode …
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In part three of the Consumer Stress series from the Equifax Risk Advisory team, our experts discuss the impact of the economic and credit environment on consumer holiday spending. They cover various angles, including economic uncertainties, the transition from physical to online stores, the U.S. economic outlook, highlights of the holiday spending…
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Episode 45. AJ Climate Champions with Hattie Hartman and George Morgan. Two Public Practice associates explain how working in the public sector has increased their agency as designers. Public Practice is a social enterprise that places built environment professions in the public sector, primarily in place-making roles and increasingly in key roles …
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David Fieldhouse, Director of Consumer Credit Analytics at Moody's Analytics, provides his economic outlook for 2024. Discussing critical factors shaping the U.S. economy, we cover the end of the student loan payment moratorium to the surge in long-term interest rates, the delicate balance of treasury yields, as well as business and consumer recomm…
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Episode 44. AJ Climate Champions with Hattie Hartman and George Morgan. Studio Weave founding director Je Ahn explains the challenges of sourcing timber from London’s streets and parks. He describes how he translated the ambition of using local timber from London’s trees into reality at Lea Bridge Library Pavilion despite the fact that no sales cha…
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Lenders can use targeted consumer data to drive daily decision making. The Equifax Risk Advisory panel of experts discuss how to dig beyond the macroeconomic indicators to determine exactly where consumer stresses lie. Our panel includes David Sojka, Jesse Hardin, Maria Urtubey, Thomas Aliff and host, Tom O’Neill. In this episode: · Economists and …
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Ep 43. AJ Climate Champions with Hattie Hartman and George Morgan. London Eye architect Julia Barfield explains how the climate emergency changed the way her practice, Marks Barfield, operates, as well as what’s ahead for the Architects Declare movement. Julia shares insights from recent projects on how to achieve circularity in retrofit, the chall…
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Episode 42. AJ Climate Champions with Hattie Hartman and George Morgan. Montreal-based architect and systems thinker Scott Francisco explains why architects must educate themselves to understand the nuances of timber sourcing. Francisco believes that greater use of timber in construction in coming decades will be essential to meet our climate targe…
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Consumers are increasingly facing credit and financial stress. Our panel of Equifax experts including Tom O’Neill, Tom Aliff, Dave Sojka and Jesse Hardin, discuss the factors contributing to consumer stress and the nuances that lenders should consider when evaluating consumers. This is the first part in a series on the topic of consumer stress. In …
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Episode 41. AJ Climate Champions with Hattie Hartman and George Morgan. In this episode, AJ100 Sustainability Champion and Architype associate director Ann-Marie Fallon discusses her belief that delivering net zero is not just technical – understanding how people use buildings and their role in the community is crucial. We also hear about Architype…
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Colleges and universities are facing declining enrollment rates, mounting regulatory pressure, the resumption of student loan payments, the reversal of affirmative action in admissions – and having to prove the ROI of a college degree. Lori Lindenberg, District Director of Enterprise Analytics and Strategy at Maricopa Community Colleges, joins us t…
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In this time of economic uncertainty, it’s important that lenders focus on account management strategies to detect hidden risk in their portfolios. In this episode, our Risk Advisory panel discusses the most important thing lenders need to be doing right now when it comes to account management. In this episode: · Understanding the value of a custom…
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After a three-year pause, borrowers must resume their federal student loan payments in October. In this episode, the Equifax Risk Advisory group discusses how the financial industry can navigate the road ahead by assessing their risk and finding opportunity. In this episode: · How the repayments will impact the financial industry · Will the additio…
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Bonus episode. AJ Climate Champions with Hattie Hartman. During an Obel Award panel at the UIA conference in Copenhagen, Heringer seized the opportunity to ask the global audience for ‘forgiveness’ on behalf of architects of the global north. ‘I'm sorry for creating this … ideal of an architecture that was supposed to bring us a comfortable, safe a…
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How are fintechs managing economic headwinds and credit tightening? We talk with Ratinder Bedi, Chief Credit Officer at SoFi, about how his company is managing these challenges and how fintechs and traditional banks often differ in their approach. In this episode: · The biggest challenges facing SoFi this year · How the restart of student loan refi…
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The mortgage industry is facing high mortgage rates, low housing supply, and a tightening of mortgage credit availability. What does this all mean for the future of the mortgage industry and where does this leave consumers? Join us as Joel Kan, Vice President and Deputy Chief Economist for the Mortgage Bankers Association, provides insight. Resourc…
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Leading economic indicators are flashing red for the second half of 2023, but David Fieldhouse, Director of Consumer Credit Analytics at Moody's Analytics, says there are reasons to be cautiously optimistic. Join us for a mid-year economic update as we discuss the debt ceiling crisis, interest rate hikes, and what lies ahead for the US economy. Top…
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