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At Experian, we’ve always believed that smarter decisions start with smarter tools. That belief has just been recognized on a global stage. We’re incredibly proud to share that Experian Assistant, our AI-powered, agentic virtual assistant, has been awarded the 2025 Globee® Award for Technology in the Enterprise Artificial Intelligence Solutions category. This award isn’t just about innovation for innovation’s sake. It’s a testament to how we are helping financial institutions around the world build smarter, faster, and more transparent models that make a real impact — for businesses and consumers alike. Trusted by Global Leaders The capabilities of Experian Assistant are powerful on their own, but when paired with the Ascend Platform, they become transformative. A recent Forrester study showed that organizations using Ascend realized a 183% return on investment, paying for itself in less than a year. Experian Assistant deepens that impact by guiding users through best practices in data science and analytics. It empowers teams — regardless of technical expertise — to build robust, explainable models that expand access to credit and drive more inclusive decisioning. Recognition That Reflects Real-World Impact The Globee® Awards for Technology are among the most respected in the industry, receiving nearly 2,000 nominations from companies worldwide this year. Winners are selected solely based on merit, scored independently by a panel of judges who evaluate each nominee’s innovation, impact, and execution. To be honored in this year’s awards is incredibly meaningful — not just for our team, but for our clients and partners who are using Experian Assistant to make smarter decisions every day. The Journey Ahead As proud as we are of this moment, we’re even more excited about what comes next. We’re focused on one thing: helping our clients innovate faster, act smarter, and drive better outcomes for the people they serve.

At Experian, we’re advancing our cloud-first strategy by expanding our use of Amazon Web Services (AWS) to deliver faster, more scalable, and secure solutions. This move strengthens our ability to provide clients with real-time intelligence and deeper insights, while enhancing the performance and reliability of our platforms. By transitioning from mainframe systems and consolidating our infrastructure in the cloud, we’re creating a more agile and centralized technology environment. This shift allows us to respond more quickly to evolving client needs and unlock new opportunities for innovation. A major focus of this transformation is Experian’s investment in generative AI. Over the next decade, we’re developing more than 100 generative AI use cases that will streamline operations, automate complex data migrations, and power new credit and financial analytics offerings. Rodrigo Rodrigues, Chief Technology Officer at Experian, adds, “Having our data readily available in the cloud sets us up to invest in new capabilities like generative AI and advance products and solutions for our clients with proven security.” With AWS’s advanced infrastructure and security capabilities, we’re reinforcing our commitment to data protection, compliance, and innovation. This evolution is about more than technology—it’s about creating smarter, faster, and more secure experiences for the businesses and consumers we serve.

Every day, people make responsible financial choices, including paying rent, managing bills and saving for the future. These choices are reflected in a consumer’s bank account, but in many cases, this information isn’t factored into lending decisions. If it were, these insights could help millions of consumers with limited credit histories, including those who are just starting out, new to the country or rebuilding after a setback, gain access to fair and affordable credit.   We have long recognized this gap and it’s our mission at Experian to help close it. This is why we’ve championed the use of expanded data sets, including cashflow insights, to help bring more consumers into the mainstream credit ecosystem.   As part of this, today we’ve reached an exciting milestone as we announce a new collaboration and integration with Plaid, a leading financial data network that’s used by one in two U.S. bank account holders. Together, we’re helping lenders leverage cashflow insights with speed and simplicity to assess risk more effectively and deliver better outcomes for consumers.  Through our new integration, we’re helping our clients accelerate the adoption of cashflow insights alongside our trusted, core credit data to drive faster decisions, stronger portfolios, and new financial opportunities for consumers.   Why this matters  Put yourself in the shoes of a young adult who just graduated from college and landed their first job. They’re responsible with their money, pay rent and utilities on time, and have started saving. But when they apply for their first credit card, they’re denied — not because they’re a risk, but because they don’t have enough credit history to show they’re not.   With this new integration, this consumer’s story, and countless others like it, can have a different ending.   When this consumer consents to share their bank account data during an application for a credit card, personal loan, auto loan, or other credit product, Plaid generates a Consumer Report on their behalf and securely delivers that information to Experian via a seamless integration. We analyze the information and return a Cashflow Score or predictive Cashflow Attributes, which can provide up to a 25% lift in predictive performance, to the lender in real time.   This information gives our clients a clearer, more accurate view of the applicant’s financial behavior, ultimately giving millions of consumers who are excluded from the mainstream financial ecosystem a fair shot at the credit they deserve.   Looking ahead  This collaboration is about giving consumers more control over their financial futures. It’s about helping lenders make smarter decisions. And it’s about building a system that works better for everyone.  By working with Plaid, we’re not just improving credit decisions. We’re expanding what’s possible for millions of people.  Learn more about our work with Plaid.