While many view Experian as a credit bureau, we have a rich history in identifying and analyzing emerging market shifts and consumer behaviors across industries, particularly automotive. In fact, Experian’s Automotive Consumer Trends Report: Q1 2025 is one of our many reports that provide essential intel for automotive professionals navigating today’s competitive landscape. And this quarter’s report sheds light on SUVs (including SUVs and CUVs)—a segment that continues to pique consumers’ interest. Data in the first quarter of this year found 62.8% of new retail registrations were SUVs, accounting for the largest portion of market share over the last 12 months—compared to sedans (18.4%), pickup trucks (16.6%), and vans (2.2%). While overall SUV registrations highlight the growing dominance in this sector, a closer look at the data revealed that electric SUVs are emerging as a contributor to this momentum. In Q1 2025, electric SUVs accounted for 10.5% of new retail SUV registrations—and within that group, 30.7% were registered in the state of California. It’s crucial for automotive professionals to monitor these trends and prepare accordingly as the fuel type continues to grow. Which electric SUV models are catching buyers’ attention? Knowing which types of electric SUVs are attracting consumer interest can enable professionals to align their offerings with market demand. The Tesla Model Y made up nearly half of the new retail SUV registrations for exotic and luxury in the last 12 months, coming in at 40.5%. Interestingly, the next closest model, Ford Mustang Mach-E, trailed behind at 5.8%. Rounding out the top five were the Hyundai IONIQ 5 (5.5%), Honda Prologue (4.9%), and Chevrolet Equinox EV (4.3%). Understanding SUV registrations goes beyond data—it’s about spotting the shift in consumer behavior as this segment as well as the EV fuel type continues to break ground in the automotive landscape. This insight gives professionals the leverage they need to adapt and refine their strategies in the next era of mobility. To learn more about SUV insights, view the full Automotive Consumer Trends Report: Q1 2025 presentation.

Understanding generational trends and preferences is more crucial than ever, especially for the financial services industry.

With increasing regulatory complexities, compliance with model risk management requirements is crucial for operational resilience.

Building loyalty and improving customer retention are sensible business practices, and they're essential banking growth strategies for long-term success.

Without data, anticipating buyer behavior in the months ahead can be challenging. While some OEMs had record sales¹ this spring, it remains critical to identify who’s in the market—whether to purchase or service their vehicle. With tax refund season in the rearview mirror and summer promotions approaching, consumers may be weighing their next move. Some could have “one foot in the showroom door” while others are waiting to see which dealer delivers the most compelling offer. Meanwhile, 41% of drivers choosing to keep their vehicles longer² are likely focused on maintaining them. So how can you best position yourself?  Explore These 3 Strategic Moves to Navigate This Summer:  Firm up your Service Marketing Plan: With summer road trips on the horizon, your customers may be in the market for services like A/C repair, wheel alignment, tire rotation, engine cooling, oil changes, multi-point inspections, and more. Discover who’s most likely to need service in the next 30–60 days with Experian Automotive’s AutoAudiences. Understand Customers’ Communication Preference: To effectively target your audience, start by understanding how they would prefer to communicate. As Car Dealership Guy puts it, “The shift in consumer preferences is undeniable and generational.”³ Experian Automotive’s Product Management Director, Kirsten Von Busch echoes this, adding, “Understanding generational differences is crucial to developing effective marketing strategies that resonate with each group’s unique preferences”. Experian’s Automotive Consumer Insights support this approach with data-driven messaging and communication channel recommendations.  Focus on Growing Market Share with Mid-Year Auto Trends: Two purchase types that are trending in the beginning half of the year include Leasing⁴ and Trade-In. Whether you have EVs or AWD vehicles on your lot, consider (A)ll (W)eather (D)eals that can (1) Supersede those in your backyard as part of your Conquest strategy and (2) Build upon your “Why Buy” dealer loyalty.  Experian Marketing Engine powers automotive marketing by helping automotive marketers identify the right audience, uncover the most appropriate communication channels, develop messages that resonate and measure the effectiveness of their marketing activities. Timing is everything, so start Targeting and Conquesting in your Market today!  Sources:  http://www.autonews.com/retail/sales/an-april-us-sales-2025-0501/  https://news.dealershipguy.com/p/3-real-time-shifts-in-car-buying-behavior-post-tariff-announcements-2025-05-01  https://news.dealershipguy.com/p/dealers-are-saving-thousands-in-labor-in-fixed-ops-2025-05-30 https://www.experian.com/blogs/insights/auto-the-current-state-of-ev-financing-why-more-consumers-are-choosing-leasing/

Bot fraud has long been a major concern for digital businesses, but evolving attacks at all stages in the customer lifecycle have overshadowed an ever-present issue: click fraud. Click fraud is a cross-departmental challenge for businesses, and stopping it requires a level of insight and understanding that many businesses don’t yet have. It’s left many fraud professionals asking: What is click fraud? Why is it so dangerous? How can it be prevented? What is click fraud? A form of bot fraud, click fraud occurs when bots drive fraudulent clicks to websites, digital ads, and emails. Click fraud typically exploits application flows or digital advertising; traffic from click bots appears to be genuine but is actually fraudulent, incurring excessive costs through API calls or ad clicks. These fraudulent clicks won’t result in any sales but will reveal sensitive information, inflate costs, and clutter data. What is the purpose of click fraud? It depends on the target. We've seen click bots begin (but not complete) insurance quotes or loan applications, gathering information on competitors’ rates. In other cases, fraudsters use click fraud to drive artificial clicks to ads on their sites, resulting in increased revenue from PPC/CPC advertising. The reasons behind click fraud vary widely, but, regardless of its intent, the impacts of it affect businesses deeply. The dangers of click fraud On the surface, click fraud may seem less harmful than other types of fraud. Unlike application fraud and account takeover fraud, consumers’ data isn’t being stolen, and fraud losses are relatively minuscule. But click fraud can still be detrimental to businesses' bottom lines: every API call incurred by a click bot is an additional expense, and swarms of click bots distort data that’s invaluable to fraud attack detection and customer acquisition. The impact of click fraud extends beyond that, though. Not only can click bots gather sensitive data like insurance quotes, but click fraud can also be a gateway to more insidious fraud schemes. Fraud rings are constantly looking for vulnerabilities in businesses’ systems, often using bots to probe for back-door entrances to applications and ways to bypass fraud checks. For example: if an ad directs to an unlisted landing page that provides an alternate entry to a business’s ecosystem, fraudsters can identify this through click fraud and use bots to find vulnerabilities in the alternate application process. In doing so, they lay the groundwork for larger attacks with more tangible losses. Keys to click fraud prevention Without the right tools in place, modern bots can appear indistinguishable from humans — many businesses struggle to identify increasingly sophisticated bots on their websites as a result. Allowing click fraud to remain undetected can make it extremely difficult to know when a more serious fraud attack is at your doorstep. Preventing click fraud requires real-time visibility into your site’s traffic, including accurate bot detection and analysis of bot behavior. It’s one of many uses for behavioral analytics in fraud detection: behavioral analytics identifies advanced bots pre-submit, empowering businesses to better differentiate click fraud from genuine traffic and other fraud types. With behavioral analytics, bot attacks can be detected and stopped before unnecessary costs are incurred and sensitive information is revealed. Learn more about our behavioral analytics for fraud detection.

Experian and Plaid are teaming up to power smarter, faster, and more inclusive lending — fueled by real-time cashflow insights. The financial landscape is becoming more dynamic and digitally connected. Consumers are increasingly turning to digital platforms not only to pay bills and track spending, but to better understand their financial health, monitor their credit standing, and plan confidently for the future. This evolution presents a timely opportunity for innovation in underwriting — one that empowers consumers to take control of their financial futures and enables lenders to make faster, smarter, and more inclusive decisions. What happens when the leading global data and technology company joins forces with the largest open banking network in the world? Experian and Plaid are coming together to solve some of the most pressing challenges lenders face, bringing cashflow insights into credit decisions, seamlessly. Smarter lending: Elevating the credit decision process For lenders seeking a holistic view of borrowers to make faster, more informed decisions, this new collaboration is a game-changer. Experian and Plaid are combining real-time, unmatched cashflow data and analytics to help lenders improve decisioning, pinpoint risk precisely, and drive financial inclusion. This marks a pivotal shift in how credit is assessed, moving us toward faster, and fundamentally smarter lending decisions. This strategic collaboration delivers real-time cashflow insights in a comprehensive solution, built on core principles designed to directly enhance your lending capabilities: Speed and simplicity: Driving efficiency with seamless integration In today’s fast-paced financial landscape, efficiency in underwriting isn’t just an advantage; it’s a necessity. Our combined solution prioritizes speed and simplicity by offering easy integration through APIs. This ensures fast access to meaningful risk insights, streamlining your workflows. Imagine easily leveraging real-time cashflow risk insights directly into your existing processes for faster and smarter lending decisions. This is about delivering modern infrastructure that allows you to move at the speed of today's market, empowering your business to expand with confidence. Broader visibility: Unveiling a holistic consumer view Traditional credit scores are a reliable, crucial tool for measuring a borrower’s creditworthiness. When coupled with real-time cashflow data and risk insights, lenders are empowered with broader visibility, bringing to light a more holistic view of a borrower’s current financial reality and opportunities that may have been missed. You gain a comprehensive consumer financial picture, allowing for more precise identification of both strong financial capacity and potential risks, ultimately helping you target and acquire customers who align with your growth objectives. Smarter decisions: Enhancing models with combined intelligence The power to make truly informed decisions hinges on the quality and depth of your data. Without robust insights, risk models can be limited, impacting precision and speed. With Experian's advanced cashflow analytic capabilities and Plaid's streamlined access to real-time cashflow data via Consumer Report, you can enhance your risk assessment for smarter decisions. This synergy empowers financial institutions to expand credit access and uncover hidden risks, leading to more precise underwriting. It’s about leveraging advanced analytics in real-time to drive improved decision-making and build stronger portfolios. More inclusive lending: Expanding access, responsibly A significant challenge in lending is ensuring access for all creditworthy individuals, including those with limited traditional credit histories who may be overlooked. This represents an untapped market and a vital opportunity for responsible growth. Our solution champions more inclusive lending, enabling you to reach underserved communities and empower consumers who demonstrate strong financial capacity. This not only fosters stronger portfolios but critically helps your business grow by efficiently acquiring customers across a broader spectrum. Proven trust: Lending with confidence In the financial industry, the bedrock of any solution is trust – in the data, security, and partners. Lenders require unwavering confidence in the tools they adopt. This collaboration is built on proven trust, leveraging the reach, reliability, and security of two of the most trusted names in financial services. Experian’s expertise in credit data and consumer protection, combined with Plaid’s modern infrastructure and trusted open banking network, offers unparalleled assurance. You can securely integrate these powerful insights, knowing you are backed by industry leaders committed to best-in-class security and compliance, enabling your business to grow with confidence without compromise. Smarter lending starts now The evolution of underwriting demands a more dynamic, inclusive, and precise approach. With Experian and Plaid, you're not just adapting to change; you're leading it. Empower your organization to approve more borrowers, reduce risk more effectively, and make smarter, faster decisions for sustainable success. Ready to transform your lending strategy? Learn more about how to bring cashflow insights into your credit decisions seamlessly. Learn more

Amid interest rates leveling out and some lenders reassessing go-to-market strategies, the automotive finance landscape is experiencing notable shifts in market share. According to Experian’s State of the Automotive Finance Market Report: Q1 2025, banks recouped some of their total finance market share for the first time in several years, reaching 26.6% during the quarter, up from 24.8% a year ago. On the other hand, captives’ total market share declined from 31.3% to 29.8% year-over-year and credit unions experienced a modest increase from 20.2% to 20.6%. Despite the overall market share shifts, captives continue to lead in new vehicle financing at 57.1% in Q1 2025, although down from 62.1% the year prior. Meanwhile, banks increased to 24.1% this quarter, from 20.4% in Q1 2024 and credit unions went from 9.6% to 10.9% during the same period. On the used side, banks and credit unions were grouped much closer together. Banks led the way with 28.4% of the used finance market in Q1 2025, up from 27.9% last year, while credit unions went from 27.7% to 28.2% year-over-year and captives declined from 8.5% to 7.4%. As market share movement continues to be a valuable indicator of shifting strategies and consumer behavior, it’s important for automotive professionals to keep a close eye on these shifts to uncover new opportunities while looking for ways to stay ahead of the rapidly evolving industry. Breaking down the latest finance trends Data in the first quarter of 2025 shows the automotive finance market continues to stabilize as automotive professionals gain clearer visibility into lender behavior and consumer demand. For example, the average loan amount for a new vehicle increased $1,110 year-over-year to $41,720 in Q1 2025. However, the average interest rate dropped from 6.9% to 6.7%, and the average monthly payment went from $737 last year to $745 this quarter. For used vehicles, the average loan amount saw a slight uptick of $90 year-over-year, reaching $26,144 this quarter. Meanwhile, the average interest rate declined from 12.4% last year to 11.9% this quarter and the average monthly payment trended lower at $521, from $524 in Q1 2024. Monitoring and leveraging market share shifts and financing trends can support strategic planning while empowering automotive professionals to anticipate consumer purchasing patterns and tailor conversations more effectively to meet buyers where they are during their car buying journey. To learn more about automotive finance trends, view the full State of the Automotive Finance Market: Q1 2025 presentation on demand.

For financial institutions to achieve success, they need to develop high-performing models with easy access to top-tier data sources. It’s also important to focus on data governance, compliance, and risk management throughout the lending lifecycle. Industry leaders implement advanced analytics and AI solutions to improve their lending decisions, and they also incorporate integrated, efficient feature engineering into their business operations. What’s feature engineering? Feature engineering helps organizations turn raw data into comprehensive model development, following this process: Data collection Data cleaning and transformation Feature engineering Model training and evaluation Decision-making Effectively transforming data into valuable insights depends heavily on creating new custom features to enhance model performance, as well as the quality of the data being used. When data is fragmented or managed poorly, it can lead to increased operational costs, missed revenue opportunities, and compliance risks. Our feature engineering solution: Experian Feature Builder Financial institutions require optimized workflows that can accelerate development while supporting governance and ensuring transparency. Experian’s feature engineering tool, Experian Feature Builder, streamlines custom feature development and deployment across the modeling lifecycle. Providing access to 20+ years of proprietary data, Experian Feature Builder enables organizations to: Break data silos by creating unified access across multiple data types Ensure trust and compliance by embedding audit and lineage tracking at each stage Enable strategic agility with faster and more consistent feature experimentation, testing, and deployment Download our latest e-book to find out more about how Experian’s Feature Builder provides centralized feature development to accelerate time-to-market, enhance compliance, and minimize risk. Download the e-book

Generative AI (GenAI) is transforming the financial services industry by boosting operational efficiency, cutting costs, and enhancing customer experience. Today, industry leaders are leveraging GenAI technology to accelerate the modeling lifecycle, streamline workflows, and ensure regulatory compliance. However, financial institutions face several headwinds in their efforts to achieve strong business results. What industry challenges do financial institutions face? To drive profitability while fueling growth, organizations need to reduce costs, manage risks, and identify new revenue streams while complying with regulatory requirements. Growing customer bases are also a top priority for banking leaders in 2025, requiring personalized services and improved customer experiences to attract and retain customers.1 Staying one step ahead of the competition is another hurdle that many organizations need to overcome. A recent study states that 23% of U.S. consumers surveyed have opened a new bank account, and 28% have considered switching to a new bank in the past six months.2 Traditional financial institutions must continuously innovate to stay on pace with smaller, more agile fintech companies. Adopting technologies like GenAI is an effective way to stay relevant and top-of-mind with consumers. Why use GenAI technology in financial services? Financial organizations that use GenAI are achieving success by: Increasing productivity and efficiency Minimizing costs Strengthening customer relationships GenAI has revolutionized productivity, customer service, risk management, and financial data analysis within the financial services industry. Of all the various measurements of AI use, improved productivity was reported to be the leading indicator of successful implementation.3 Online tools like virtual assistants and chatbots provide personalized experiences to consumers and resolve issues in real time, leading to enhanced customer satisfaction. This AI technology reduces the workload on human agents and enables organizations to deliver value more quickly and with less friction. GenAI adoption at Experian Experian® is a leader in GenAI solutions, using advanced technology to manage and improve data. We champion responsible AI use, ensuring proper consumer data privacy, compliance, fraud prevention, and greater financial access and inclusion. Experian Assistant is our latest innovation in GenAI helping financial institutions to accelerate the modeling lifecycle, which enhances efficiency, reduces expenses, and promotes customer growth. Experian Assistant allows businesses to build and deploy models, monitor performance, and go to market more quickly and with less friction, which can translate to more business success. The tool provides instant expert recommendations and insights with comprehensive support, enabling users to make smarter and faster data-driven decisions. This technology offers multiple functions that are crucial for optimizing business efficiency: Natural language interface Deep insights into underlining data tables and metrics Reduced operational and cloud expenses Decreased risk of penalties Read our latest white paper to discover more about how our latest GenAI innovation, Experian Assistant, is empowering organizations to drive business growth and profitability. Read the white paper 1  BAI, 2025. Acquiring new customers and growing quality deposits are the top business challenges in 2025. 2 MX, 2023. What Influences Where Consumers Choose to Bank. 3 Forrester, Q2 AI Pulse Survey, 2024.

Managing credit limits effectively can be a game-changer for both consumers and financial institutions. Understanding the benefits and behaviors associated with increased credit limits helps in appreciating the long-term impacts of this strategy. Proactive credit limit management offers numerous advantages that can significantly improve financial health and stability.

Vehicle price. Monthly payment. Loan terms. Interest rates. Those are the more prominent buzz words dealers hear from consumers throughout the vehicle shopping process, particularly in our current environment. And rightfully so, in-market shoppers are hoping to get the most value for their wallets. But let’s not forget how valuable transparency can be, especially with used vehicles. Hidden damage from accidents or natural disasters, as well as title brands, among other factors, can have a significant negative impact on the drivability of any given vehicle. Ensuring consumers have visibility to that information can help them make a more informed purchasing decision, and more importantly, help dealers potentially build a lifelong relationship with them. Plus, consumers want that information. According to a recent Experian survey [1], nearly all respondents (98%) said a vehicle history report is important to them when considering the purchase of a used vehicle. Furthermore, almost 70% said accident history information in a report would likely influence their purchasing decision, followed by frequent repairs (61%) and title problems such as salvage or flood damage (55%). Given the significance of used vehicles in the automotive market, having tools such as Experian AutoCheck® vehicle history reports readily available on dealership and manufacturer websites can help buyers make more informed decisions. Where today’s consumers start their vehicle search Knowing what resources consumers are using to search for their next vehicle plays a role in identifying where they’re gathering their information, and in turn, can help guide dealers in offering relevant information during the decision-making process. The survey revealed that 64% of consumers browse dealership websites and 46% look at manufacturer websites during their buying process. In a competitive market, having instant access to a vehicle’s history can help streamline the shopping experience while allowing buyers to feel more confident and drive conversions. Leveraging this information will allow businesses to tailor their consumer engagement strategies to meet the specific needs or concerns of potential buyers at each stage of the journey. To learn more, visit Experian AutoCheck® Vehicle History Reports. [1] Experian commissioned Atomik Research to conduct an online survey of 2,005 adults throughout the United States. The sample consists of adults who estimate they will purchase or lease their next vehicle within the next 24 months or sooner. The margin of error is +/- 2 percentage points with a confidence level of 95 percent. Fieldwork took place between March 24 and March 27, 2025.

Managing credit limits effectively is vital for maintaining a profitable and resilient credit card portfolio. By adopting a proactive credit limit management approach, financial institutions can significantly improve customer satisfaction and increase revenue. As of Q3 2024, the average credit card limit in the U.S. stood at $32,025, marking a 4.1% rise from $30,763 the previous year.1 Proper management of these limits is crucial for financial institutions, as it impacts consumer borrowing capacity and overall financial health. Advantages of proactive credit limit increases A proactive credit limit increase occurs when a credit card issuer raises a cardholder’s credit limit without their request. This action is usually dependent on improvements to cardholders’ creditworthiness, including consistent, on-time payments and a reduction in debt. Proactive increases can enable financial institutions to: Increase interchange income: When financial institutions increase credit limits, they can boost transaction volumes, leading to higher interchange income. Generate additional interest income: Higher credit limits can lead to increased borrowing, resulting in more interest income for financial institutions. Enhance wallet share: By proactively increasing credit limits, institutions can encourage cardholders to use their cards more frequently, thereby increasing wallet share. Reduce customer attrition: When cardholders feel valued and supported, they are more likely to remain loyal to their financial institution. Proactive credit limit increases can reduce attrition rates by enhancing customer satisfaction and loyalty. Improve customer experience: Cardholders value the convenience and flexibility of higher credit limits, which can lead to increased satisfaction, positive sentiment and potential referrals. Implementing proactive credit limit increases To successfully implement proactive credit limit increases, financial institutions must address two key questions: Who receives an increase? Use insights to identify cardholders who meet the criteria for credit limit increases. Continuously monitor cardholders’ creditworthiness using advanced tools and technologies to ensure that only responsible cardholders receive increases. How much of an increase? Determine customers’ ability to afford additional credit by evaluating their annual income, debt-to-income ratio, and payment-to-income ratio. Set thresholds for these metrics to guide the decision-making process. Proactive credit limit management Effective credit limit management is essential for financial institutions aiming to grow their credit card portfolios and enhance customer satisfaction. Read this e-book on proactive credit limit management and discover how your institution can improve wallet share, enhance customer experience, and drive revenue. Read the e-book 1 Experian, Average Credit Card Debt Increases 3.5% to $6,730 in 2024.

Electric vehicles (EVs) continue to gain traction in certain markets. In fact, at the end of 2024, 9.2% of all new retail registrations were electric, up from 8%+ in 2023 and 6%+ in 2022. Clearly, more and more in-market shoppers are leaning towards EVs, but what is actually a determining factor in their decision? A recent Experian survey [1] found 65% of respondents said they prioritize battery life, while 62% consider price, 58% are concerned with range on a full battery and 53% are focused on infrastructure and maintenance. It’s not just EVs, hybrids are getting into the mix While EVs certainly are the buzzword in the industry, it’s not the only alternative fuel type consumers are opting for. For instance, 55% of respondents said they’d consider a new hybrid and 50% said they’d consider a new EV for their next vehicle purchase. On the used side, 38% of respondents said they’d consider an EV and 42% would consider a hybrid. More granularly, the survey revealed 67% of Gen Z and 61% of Millennials are likely to buy a new EV, while 62% and 63% of these groups, respectively, expressed similar intentions for purchasing new hybrid. Gen Z and Millennials also showed a stronger-than-average interest on the used side, with 57% and 49% opting for EVs, and 57% and 52% choosing hybrids. With the younger generations gravitating towards these fuel types, it’s likely going to influence adoption rates down the road, a trend that should be watched closely as manufacturers roll out more models to meet the growing demand. However, when assessing the viewpoints of other generations, some are less likely to purchase an alternative fuel type. Two-in-five, albeit still a healthy percentage, of Gen X respondents said they’re likely to purchase a new EV and only 25% of Baby Boomers shared a similar sentiment. Meanwhile, 27% of Gen X and 12% of Baby Boomers say they’re likely to purchase a used EV. Furthermore, 46% of Gen X and 43% of Baby Boomers indicated they are likely to buy a new hybrid, while 33% and 21% of these groups, respectively, conveyed similar thoughts towards purchasing used hybrids. It’s crucial for professionals to stay attuned to shifting trends and concerns among consumers, as these factors play a role in consumer decision-making. By addressing potential setbacks and knowing where their target audience is, they can better align their strategies with consumer needs as these fuel types continue to move up on the list for everyday commuters. To learn more about EV insights, visit Experian Automotive’s EV Resource Center. [1] Experian commissioned Atomik Research to conduct an online survey of 2,005 adults throughout the United States. The sample consists of adults who estimate they will purchase or lease their next vehicle within the next 24 months or sooner. The margin of error is +/- 2 percentage points with a confidence level of 95 percent. Fieldwork took place between March 24 and March 27, 2025.

As telecommunications providers race to modernize networks, enable 5G, and manage soaring data volumes, they also face unprecedented challenges – from tightening regulations and economic uncertainty to increasing customer churn and fraud. In this climate, artificial intelligence (AI) in telecommunications isn’t just a buzzword; it’s becoming a cornerstone for strategic survival and competitive differentiation. But the promise of AI is only as powerful as the data that fuels it and the decisions it enables. In this blog post, we explore the pressing challenges telecom providers face, including the evolving economic and regulatory landscape, and how Experian’s telecom solutions are uniquely equipped to support telecom leaders using advanced analytics, data-driven decisioning, and fraud prevention solutions. The current state of telecommunications: a perfect storm Telecom providers are under pressure from multiple angles: Shrinking ARPU and rising competition Average Revenue Per User (ARPU) is declining in many regions as price competition increases and Over-the-Top (OTT) services continue to displace traditional service lines. In North America alone, mobile ARPU has dropped by more than 8% in recent years1. Customer experience expectations Modern customers expect seamless digital experiences. Yet, legacy systems and data silos often prevent real-time personalization and service optimization, increasing churn risk2. Regulatory scrutiny and data privacy Telecoms must comply with a complex web of data protection and privacy regulations (GDPR, CCPA, KYC, etc.) while also navigating policies around fair access, net neutrality, and cross-border data flow3. Fraud and credit risk The growing prevalence of synthetic identity fraud and account takeovers demands more robust, intelligent fraud prevention and credit risk strategies, especially in prepaid and postpaid customer segments. In 2023, synthetic identity fraud caused more than $2.6 billion in financial damage globally4. The role of advanced analytics and AI in telecommunications Against this backdrop, AI and telecommunications are becoming increasingly intertwined. By leveraging AI and advanced data analytics, telecom operators can move from reactive to proactive operations. This includes: Churn prediction and mitigation using machine learning. Network optimization through AI-driven traffic forecasting. Fraud detection via real-time anomaly detection models. Credit risk modeling with AI-powered segmentation. However, not all AI solutions deliver the same level of impact. For telecom providers, challenges like fragmented data ecosystems, model governance, and the need for explainable outcomes—especially in highly regulated environments – can limit AI’s full potential. Only Experian can: solving telecom’s data and decisioning challenges This is where Experian stands out. As a trusted leader in data and decisioning, Experian provides telecoms with scalable, regulatory-compliant tools that can help accelerate digital transformation. Purpose-built telecom solutions Our telecom solutions are designed specifically to address sector pain points like fraud, credit risk, and customer churn. Whether you're a traditional mobile network operator (MNO) or a disruptive MVNO, Experian can help you make smarter decisions—faster.'Our telecom solutions are designed specifically to address sector pain points like fraud, credit risk, and customer churn. Whether you're a traditional mobile network operator (MNO) or a disruptive MVNO, Experian can help you make smarter decisions—faster. Advanced analytics expertise Experian helps telecoms harness the power of advanced analytics to make sense of complex, high-volume data. From customer segmentation to behavioral modeling, our tools bring clarity and actionability that unlock new value from existing data. Predictive modeling solutions that drive results With our specialized predictive modeling solutions, telecoms can implement next-best-action strategies across acquisition, onboarding, and retention. These models are tested, explainable, and auditable—ensuring compliance while delivering ROI. Robust fraud and identity capabilities With rising fraud threats including synthetic identity and account takeovers, Experian can deliver AI-enhanced, layered fraud prevention strategies. Our tools detect anomalies in real-time, leveraging fraud analytics and behavior-based risk signals, helping you reduce losses without adding friction to the customer experience. Scalable, future-ready advanced analytics solutions Our full suite of advanced analytics solutions enables telecoms to future-proof their operations, ensuring they stay compliant while innovating faster than competitors. Data-driven innovation: use cases Here’s how telecoms are already seeing ROI with Experian: A leading North American communications company retained 30% of revenue by implementing Experian Optimize to improve the growth and retention of customers. A multichannel media company used Experian’s solutions to drive a customer-focused approach to campaign planning resulting in a 35% increase in customer revenue without increasing marketing spend. A European wireless telecom provider optimized collections allocations, segmenting customers by demographic and behavioral groups to provide a higher rate of reconnections. Results included a 10% increase in net customer value, a 15% increase in balance collected and a 9% increase in collections agency earnings. Navigating what’s next in telecom The future of AI in telecommunications is promising for providers who can bridge the gap between AI aspiration and execution. Telecommunication providers must not only adopt the right technologies but also partner with trusted data stewards who understand the regulatory, economic, and operational landscape. We’re that partner. At Experian, we help telecom leaders go beyond surface-level insights to power meaningful outcomes, whether that’s to drive smarter acquisition, stronger client retention and faster innovation. Our solutions are grounded in trusted data and measurable outcomes. The pressure on telecoms isn’t going away. But with the right AI-powered tools and data-driven strategies, providers can shift from playing defense to leading with innovation. Now is the time to rethink how you approach data, risk, and customer engagement. Ready to see how Experian can help your telecom organization unlock the power of AI and advanced analytics? Explore our telecom solutions or contact an Experian expert to start transforming your strategy today. Learn more Partner with our team