Fraud impacts more than just the bottom line. It affects confidence, relationships, and the sense of security that every business and customer depends on. At Experian, helping to rebuild that trust through data and technology has become part of who we are. That commitment was recently recognized when our Commercial First Party Fraud Score received the Gold Award for Banking Fraud Prevention in Juniper Research’s 2025 Fintech & Payments Awards.
First party fraud is one of the most difficult types of financial crime to uncover. It often begins with what looks like a legitimate credit application, only to turn into a default or a “bust out” once credit has been extended. The losses can be significant, but what makes this type of fraud so challenging is how well it hides in plain sight.
Our teams developed a new model that uses advanced machine learning and blends consumer and business insights. The Commercial First Party Fraud Score analyzes credit patterns and behavioral data from more than 250 million consumer records. It spots early warning signs that traditional credit models often miss, giving lenders a clearer picture of who they are working with from the start.
In testing, the model identified 22 percent more fraudulent applications and 33 percent more high-risk applicants compared with older systems. This improvement helps organizations reduce costs, speed up onboarding, and better serve genuine customers.
The recognition from Juniper Research is more than an award. It represents progress toward a safer and more transparent financial system. By combining innovation, data, and purpose, we continue to help businesses make smarter choices and protect the trust that keeps the economy moving.
Learn more about the Juniper Research Fintech & Payments Awards here.
