Connected Intelligence: Scaling AI with trusted data and decisioning
New global research exploring what it takes to operationalise AI, data and governance across credit and fraud risk.
Based on insights from more than 800 senior decision-makers and 80+ expert interviews, across 12 countries, the report examines how financial institutions can scale AI with trusted data and decisioning.

Inside the report
- From underwriting and fraud detection to always-on intelligence
- Scaling AI from use case to system
- Building a trusted data advantage
- Trust and governance define the limits of AI
- From fragmented capabilities to connected intelligence
Key findings from respondents:
- Over 70% prioritise real-time decisioning
- 68% remain in early-stage AI adoption
- 43% cite fragmentation between data systems as a major challenge
- 86% say transparency is critical to improving decisions
Research conducted by Experian and Phronesis across 12 countries with more than 800 senior decision-makers and 80+ expert interviews in financial institutions.





