Experian Innovation Lab Celebrates 15 Years of Transforming Industries

As financial institutions continue to expand their use of artificial intelligence across lending and risk operations, strong model governance has become just as important as building the models themselves. We are therefore proud to be recognized by Chartis Research as the winner in the Model Risk Management Environment category in its STORM Quantitative Analytics50 2026 report. This recognition highlights our commitment to helping financial institutions accelerate AI innovation while strengthening transparency, accountability and regulatory compliance. According to Vijay Mehta, Chief AI Officer at Experian, governing AI with the same level of rigor used to build it is becoming increasingly important as organizations move AI into production. “Financial institutions need to scale AI without sacrificing transparency, accountability or regulatory compliance,” said Mehta. “Our vision is to provide an integrated agentic platform that enables organizations to operationalize trusted AI with confidence, helping them move from building models to deploying trusted AI at enterprise scale.” The recognition reflects our approach to model risk management through the Experian Ascend Platform™, which helps organizations govern analytical and AI models from development through deployment and ongoing monitoring. The platform brings together trusted data, feature engineering, model operations, decision-making and risk analytics with such capabilities as model registry, automated validation, explainability, fairness testing, drift detection and audit-ready documentation. Together, these capabilities help organizations adopt AI while maintaining transparency, traceability and regulatory oversight. The recognition comes as AI adoption continues to grow across financial services. According to Experian research, 60% of respondents say they are moving toward architectures that enable AI agents and systems to work seamlessly across tools and data sources, while 86% say transparency in analytics and insights is highly valuable for improving decision-making. Chartis also recognized the strength of the Experian Ascend Platform™. “Experian’s strong showing in our STORM Quantitative Analytics50 ranking, and its Model Risk Management Environment solution award, reflect the strength of Ascend, its advanced analytics development and management environment,” said Sid Dash, Chief Researcher at Chartis. As organizations move from AI experimentation to enterprise scale, this recognition reinforces Experian’s continued investment in helping financial institutions build trusted AI with the governance, transparency and oversight needed to make confident analytical decisions.

Experian delivered a record FY26, with revenue from ongoing activities up 13% at actual exchange rates and 8% organically to US$8.4 billion. Q4 organic growth reached 9%, highlighting strong momentum and consistent execution across the business. Nearly US$2 billion of revenue came from new and scaling products, supported by innovation, new B2B wins and a free membership base of more than 215 million. Experian is extending its AI leadership through the Ascend Platform, the ServiceNow partnership, Experian Agent Trust and new consumer experiences on ChatGPT and Snapchat. We delivered a record FY26, at the top end of guidance, with revenue from ongoing activities rising 13% at actual exchange rates and 8% organically to US$8.4 billion. Organic growth was at 9% in Q4, further demonstrating the momentum in the business. These results reflect more than strong execution. They show the power of our strategy, the trust placed in our data and decisioning capabilities, and the central role we are playing as businesses and consumers embrace AI to move with greater speed, confidence and impact. Read more here. Across our business, we are building momentum by combining innovation at scale with deep client relationships and understanding of their needs. In FY26, we won new B2B clients, strengthened strategic relationships and expanded our free membership base to more than 215 million. This supported the US$2 billion in revenue (nearly ¼ of our total revenue) from new and scaling products, reflecting the strength of our innovation engine and our ability to turn new ideas into meaningful growth. Our global platforms are helping define what comes next. By introducing agentic workflows within Ascend that bring together AI, data, analytics and decisioning, we are enabling clients to automate complex processes in ways that are more intelligent, trusted and scalable. Our multi-year partnership with ServiceNow is another example of how we are extending that impact across the enterprise. We are also helping shape the trust layer for agentic commerce through Experian Agent Trust, a new framework designed to verify identity, intent and authorisation in AI-driven transactions. We are also reimagining how consumers access trusted financial information in an AI-first world. In North America, we launched our Insurance Marketplace app on ChatGPT and integrated into Snapchat’s AI Sponsored Snaps offering, bringing AI-powered credit and personal finance information to new audiences at scale. In the UK and Ireland, we introduced the UK’s first credit score app on ChatGPT, while in Brazil we embedded our financial education content into conversational AI experiences. Looking ahead, we see significant opportunities. Demand for trusted data, identity, verification and decisioning is growing as organisations look to scale AI responsibly, and we are uniquely positioned to help them do so. Read our full financial statement here.

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.