Explore the public sector trends for 2026 shaping digital services, workforce resilience, and citizen trust for better governance.

  Experian Verify is redefining how lenders streamline income and employment verification; a value clearly reflected in Marcus Bontrager’s experience at Freedom Mortgage. With access to the second-largest instant payroll network in the U.S., Experian Verify connects lenders to millions of unique employer records, including those sourced through Experian Employer Services clients, delivering instant results at scale. This reach enables lenders to reduce manual processes, accelerate loan decisions, and enhance the borrower experience from the very first touchpoint. Unlike traditional verification providers, Experian Verify offers transparent, value-driven pricing: it charges only when a consumer is successfully verified, not simply when an employer record is found. As lenders navigate increasing compliance requirements and secondary market expectations, they can also rely on Experian Verify’s FCRA-compliant framework, fully supporting both Fannie Mae and Freddie Mac. Combined with Experian’s industry-leading data governance and quality standards, lenders gain a verification partner they can trust for accuracy, security, and long-term operational efficiency. Perhaps most importantly, Experian Verify delivers 100% U.S. workforce coverage through its flexible, automated waterfall: instant verification, consumer-permissioned verification, and research verification. This multilayered approach ensures lenders meet every borrower where they are, whether they’re connected to a large payroll provider, a smaller employer, or require additional document-based validation. As Marcus highlights in the video, this comprehensive and configurable design empowers lenders to build verification workflows that truly fit their business needs while enhancing speed, completeness, and borrower satisfaction. Explore Experian Verify

Fraud is evolving faster than ever, driven by digitalization, real-time payments and increasingly sophisticated scams. For Warren Jones and his team at Santander Bank, staying ahead requires more than tools. It requires the right partner. The partnership with Santander Bank began nearly a decade ago, during a period of rapid change in the fraud and banking landscape. Since then, the relationship has grown into a long-term collaboration focused on continuous improvement and innovation. Experian products helped Santander address one of its most pressing operational challenges: a high-volume manual review queue for new account applications. While the vast majority of alerts in the queue were fraudulent and ultimately declined, a small percentage represented legitimate customers whose account openings were delayed. This created inefficiencies for staff and a poor first impression of genuine applicants. We worked alongside Santander to tackle this challenge head-on, transforming how applications were reviewed, how fraud was detected and how legitimate customers were approved. In addition to fraud prevention, implementing Experian's Ascend PlatformTM, with its intuitive user experience and robust data environment, has unlocked additional value across the organization. The platform supports multiple use cases, enabling collaboration between fraud and marketing teams to align strategies based on actionable insights. Learn more about our Ascend Platform