Experian Innovation Lab Celebrates 15 Years of Transforming Industries

Unlocking scalable, agentic commerce through Experian’s trusted data and identity leadership Soon, you won’t be the one making the purchase. Your AI will. And it won’t just assist. It will act on your behalf. We are entering a new phase of commerce where AI agents evaluate options, make decisions and complete transactions for consumers. This shift challenges a fundamental assumption commerce has always relied on: that a human is behind every transaction. If an AI initiates a transaction, how does a business know it can trust it? A new model of commerce needs a new model of trust With the advent of agentic transactions, interactions between businesses and consumers are changing. AI agents are acting on consumers’ behalf, and the signals that establish trust, identity, intent and authorization are becoming harder for businesses to verify. Without a clear connection between people and the AI acting for them, agentic commerce introduces new risks: fraud, misrepresentation and unauthorized transactions. What is needed is a new trust model for commerce. One that verifies the individual, the agent and the intent behind every action. Building the trust layer for agentic commerce Experian Agent Trust™ is designed to address this challenge. It brings identity, and accountability into AI driven transactions, giving businesses the confidence to engage in this new model of commerce. Experian is uniquely positioned to lead in this space. Today, our identity verification and fraud detection solutions help clients avoid an estimated 15 to 19 billion dollars in fraud losses each year. Experian Agent Trust extends that foundation to a world where AI agents initiate transactions. Agentic commerce will not scale without trust. Knowing there is a verified person associated with the autonomous shopping agents will be critical to building this trust. At the center of this approach is Human-to-Agent Binding. Human-to-Agent Binding creates a secure link between a verified consumer, their device and the AI agent acting on their behalf. Each agentic transaction can be traced back to the human who initiated the transaction. This capability is part of a broader Know Your Agent framework that extends identity verification into the age of AI. Trust is built across the ecosystem Establishing trust in agent driven commerce requires coordination across the ecosystem. The emerging standards and frameworks put forth by agentic commerce ecosystem contributors including Visa, Cloudflare and Skyfire form a layered trust framework that connects identity, payments and network validation, creating a secure path from intent to transaction. Consider a simple interaction that is quickly becoming possible in agent-driven commerce. A consumer might ask their AI agent to find the best noise-cancelling headset for an upcoming trip. The agent evaluates options based on preferences, selects a recommendation, for example a set of Bose headphones, and prepares the transaction for approval. Once authorized, Human-to-Agent Binding confirms the agent is acting on behalf of a verified individual, every step of the journey. The experience remains simple and convenient for the consumer. At the same time, the business has confidence that the transaction is being made by a verified consumer. As AI agents take on a greater role in commerce, accountability becomes essential. Experian Agent Trust includes an Agent Trust Token that provides a real time signal of identity, consent and fraud risk, supported by an Agent Registry that continuously evaluates behavior over time. The framework is platform agnostic and designed to integrate with existing systems, allowing businesses to scale trusted interactions without disruption. Defining the next era of commerce AI agents will reshape how consumers and businesses interact. They will unlock new levels of convenience and personalization, while also introducing new complexity. The organizations that succeed will be those that can establish trust across every interaction, including those initiated by AI. Experian Agent Trust represents a foundational step in defining the trust layer for agentic commerce, extending Experian’s leadership in identity verification and fraud prevention into this next era. Because agentic commerce is not just an evolution of digital commerce. It is a new system. And every system needs a foundation. Experian is helping build the trust layer that makes agentic commerce possible.

The way we learn, explore, and figure things out online has changed very rapidly. We don’t interact with digital platforms the way we used to, and researching financial questions are no exception. As the parent of three daughters—ages 9, 11, and 14—I see this evolution firsthand every day. Their phones and tablets are their lifeline to friends, learning, and discovery, and I’m constantly amazed by how quickly they absorb information while also feeling the responsibility to make sure what they’re consuming is accurate and trustworthy. For many young adults, financial advice no longer starts with institutions. It starts in conversations, on social platforms, and often from unverified sources. That shift is shaping how we think about financial education at Experian, and it’s why we’re excited to bring trusted, AI‑powered financial information soon into Snapchat through its AI Sponsored Snaps ad offering. Snapchat has millions of monthly users and is one of the most conversation‑driven platforms out there[i]. That makes it a natural place to share helpful information in a way that feels timely, familiar, and approachable. If we want to help people feel more confident about money, we can’t wait for them to come find us. We need to show up where curiosity naturally happens, including in the middle of everyday conversations they’re already having. Soon in Snapchat Chats, users will be able to engage with Experian through an AI-powered conversational experience to ask questions and receive easy-to-understand guidance. Extending financial knowledge beyond our own platforms This is another step in expanding Experian’s presence into places where people start making decisions. Recently, we integrated with ChatGPT to help consumers explore auto insurance options through the Experian Marketplace, which is another example of how we are showing up outside of our platform. Together, these efforts and future expansions are about meeting people in a comfortable environment, giving them helpful information, and letting them decide how far they want to go. For younger consumers especially, access to credible financial education early on can really matter. There’s a lot of noise online, and it’s not always clear where advice is coming from. Showing up with trusted information helps cut through that and makes it easier to start building confidence. Consumer-First AI at work AI helps make all this possible by allowing us to deliver financial insights quickly, efficiently, and across a growing number of platforms. But for me, technology is only meaningful when it’s grounded in humanity. I care deeply about how our work shows up and truly impacts people. When we meet consumers with empathy and trusted information in spaces they already know and enjoy, we become more than a tool. We become a supportive financial co‑pilot, helping them navigate questions and decisions throughout their life journey. That human impact is what inspires me most. It’s also what makes experiences like this partnership with Snapchat so rewarding because it shows how innovation, when thoughtfully applied, can help people feel more informed, confident, and empowered on an everyday basis. [i] Source: Snap Inc.

Great technology should make work easier, smarter, and more meaningful. That is exactly what Experian set out to do, and why we are proud to be named a 2026 CIO 100 Award winner by Foundry’s CIO. This recognition highlights our efforts to reimagine the workplace by combining artificial intelligence, modern digital tools, and trusted data to help our people do their best work every day. For more than 40 years, the CIO 100 Awards have recognized organizations that use technology to create real business impact. This year’s winners show what is possible when AI, data, cloud, and security come together with a clear purpose. Making AI Work for People At Experian, AI is not just a buzzword. It is a practical tool that helps employees save time, work more efficiently, and make better decisions. Just as important as what AI can do is how it is used. We have built strong guardrails around data governance, privacy, and security to ensure everything we do is responsible and trustworthy. Human oversight remains essential because the best outcomes come from combining technology with human judgment. Today, thousands of Experian employees use AI powered tools to automate routine tasks and focus on higher value work. As Alex Lintner, CEO of Technology and Software Solutions at Experian, said: “This recognition reflects how we are bringing together AI, a modern digital workplace, and trusted data to drive real innovation. By giving our employees the right tools, we are helping them move faster, make better decisions, and deliver better outcomes for our customers.” Turning Transformation Into Results Led by the digital workplace team, this transformation delivers measurable results. More than 17,000 Experian employees now use AI powered tools, generating over one million interactions each month. Onboarding readiness exceeds 90 percent, employee satisfaction averages 4.5 or higher, and first call resolution rates have improved to about 85 percent. This progress is supported by a global operating model and a cloud first approach, including our work with AWS, which helps us scale and innovate faster. Innovation Beyond the Workplace The same focus on AI and data is shaping how we serve customers. The Experian Ascend Platform™ helps businesses make smarter decisions using machine learning and real time insights. It is used by more than 1,400 users worldwide, processing millions of credit reports and billions of transactions each year. On the consumer side, tools like EVA, Experian Virtual Assistant ™are making financial guidance more accessible through personalized, conversational experiences. Looking Ahead This award is an important milestone, but it is only part of a larger journey. We will continue investing in AI, data, and technology to lead change. By empowering our people with the right tools and trusted data, we are building a strong foundation for continued innovation.