Latest Thought Leadership resources from Experian

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White Paper

30 September 2025

Credit Risk Management with GenAI

Generative AI is a powerful force that’s driving higher efficiency and productivity in credit risk management for financial institutions. Read our latest white paper to discover how lenders can improve the credit risk management process to:

  • Streamline operating expenses
  • Enhance compliance
  • Increase lending volume
  • Reduce credit and fraud losses
Video

26 September 2025

Experian Credit Decisioning Journey

A strong credit risk decisioning strategy is crucial for any financial institution looking to stand out from the competition, book more high performing loans, and drive revenue. Lenders can achieve this by implementing next-gen AI technology to: 

  • Build and deploy models faster 
  • Optimize lending criteria 
  • Reduce fraud risk 

Watch this video to learn how you can level up your credit decisioning journey across the customer lifecycle with the Experian Ascend Platform.

Video

24 September 2025

Experian Assistant: GenAI-Powered Virtual Assistant 

GenAI is transforming the financial services industry by drastically improving productivity and efficiency. Experian Assistant, our award-winning GenAI solution, can help lending institutions: 

  • Automate complex tasks 
  • Provide real-time coding support 
  • Minimize compute power 
  • Speed up the modeling lifecycle 

Watch this video to discover how Experian Assistant can help your business unlock the full power of your data with less friction and faster results.

Infographic

22 August 2025

Credit decisioning journey

Financial institutions face several challenges during the credit decisioning process, such as poor data quality, scalability issues, data fragmentation, and high maintenance costs. Experian can help lending institutions enhance their credit decisioning journey at every step, through:

  • Model development
  • Model deployment
  • Decisioning
  • Fraud analysis

Discover how your organization can take your credit decisioning journey to the next level with the Experian Ascend Platform™.

Infographic

05 June 2025

183% ROI and 12-Month Payback

Based on interviews with global financial institutions, the Forrester Total Economic Impact™ study, commissioned by Experian, reveals real customer impact stories and business wins delivered by the Experian Ascend Platform™. This infographic shares some of the key findings.

Key insights include:

  • 183% return on investment (ROI) and $13.3M in net present value (NPV) over three years
  • A car leasing company’s approval rates increased from 60% to 66%, improving consistency and revenue growth
  • An airline reduced fraud chargebacks by 99.9%, lowering regulatory risks and financial losses.
White Paper

13 May 2025

GenAI in finance: a formula for growth and profitability

GenAI isn’t just changing the financial services industry; it’s redefining it. When faced with industry challenges and economic uncertainty, leading financial institutions strategically leverage GenAI to drive business growth and profitability.

Experian’s latest innovation, Experian Assistant, is empowering financial institutions stay ahead of the competition while driving strong business results.

Experian Assistant enables organizations to:

  • Enhance operational efficiency
  • Reduce costs
  • Improve customer experience

Download our latest white paper to unlock insights into how you can improve internal productivity, serve your customers more effectively and generate revenue.

Infographic

04 April 2025

What traditional models miss about today's borrowers

Relying solely on traditional credit scores can leave you with a limited view into consumers’ financial stability.

See how integrating alternative data can help you:

  • Identify more qualified borrowers
  • Spot potential risks
  • Strengthen portfolio performance
Infographic

01 April 2025

Make better, data-driven decisions with loan loss analysis

Loan loss analysis is an effective way for lending institutions to drive smarter business decisions by identifying loans that have been lost, where they’ve been booked, their key characteristics, and how they’ve performed.

With loan loss analysis, you can gain visibility into: 

  • What type of financial institution did that applicant book with (bank, credit union, finance company, etc.)? 
  • What was the average loan amount, and were others offering more or less? 
  • What was the estimated interest rate, and how did it compare to yours? 
  • What was the loan term length? 
  • What was the average risk score? 

Accessing this information can help your organization validate your lending policies or find out where you can make adjustments to remain competitive in the market and win more business.

Report

24 March 2025

State of the economy report - March 2025

Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.