All posts by Destiny White

Whether it’s pursuing homeownership, purchasing a family car, renting an apartment, or simply trying to secure everyday financial products, recent industry conversations have put a spotlight on the indispensable role data plays in driving smart decisions and improving access to credit.  In my role, I have the unique opportunity to demonstrate how data, including cash flow insights, can drive meaningful progress towards financial inclusion. At Experian, we believe these insights represent the next great evolution in credit.   Cash flow data is transforming how we understand consumer behavior, assess risk and open doors for consumers who have been historically left out of the mainstream financial ecosystem.  While cash flow insights are becoming central to the future of credit, it’s critical we lean not just on the data itself, but on the infrastructure, trust and stewardship that support it.   Our Commitment to Open Banking and Cash Flow Innovation    Experian has been leading open banking solutions internationally for over a decade and we’ve been building cash flow-based solutions in the U.S. for more than eight years. We are the only credit reporting agency offering both traditional credit scores and cash flow-based scoring solutions developed in-house. This unmatched vantage point allows us to uniquely understand how cash flow analytics, when leveraged with traditional credit data, can reveal a more complete picture of consumer financial health and help lenders distinguish between risk and resilience with greater precision.  Our cash flow-based solutions are designed to power smarter, more inclusive credit decisions across a variety of credit products and industries, including credit cards, personal loans, auto, housing and more.  For example, our Cashflow Score and Cashflow Attributes deliver up to a 25% lift in predictive performance when compared to conventional credit scores, while improving financial access for consumers historically left behind. In addition, our research shows that leveraging cash flow insights in the mortgage space results in a 35% increase in model accuracy and risk differentiation, underscoring its potential to transform credit evaluation in the housing industry.   These solutions are exclusive to Experian and powered by our Categorization Engine – a dynamic, machine learning model that processes approximately 30 million transactions every day with remarkable accuracy. And because the system learns continuously, it grows more intelligent and more precise with every interaction.   Infrastructure, Trust, and Scale  Our ability to help lenders use these insights at scale is grounded in our unmatched expertise and infrastructure. We’ve built one of the most sophisticated and secure data ecosystems in the world, underpinned by decades of responsible data stewardship. That foundation allows us to deliver new cash flow innovations to fintechs, credit unions, mortgage lenders and resellers, as well as large banks with confidence and integrity.  Our data science teams are among the most sophisticated in the industry, with deep expertise in developing predictive models and scores that power billions of lending decisions globally.  We know what it takes to translate data into meaningful, actionable insights that help lenders of all sizes make confident, fair and inclusive decisions, including tailoring their offerings and delivering the right products and services to consumers at the right time.   Leading the Industry Forward  Cash flow insights are a catalyst for a complete, inclusive view of financial health. And realizing that promise requires the right foundation: trusted data, powerful infrastructure, rigorous analytics, and the scale to make it work.  We have long served as a trusted backbone of the credit ecosystem, operating with governance, transparency, and accountability at our core. That same commitment extends to our work in cash flow analytics today.  As the industry embraces this new frontier, we are uniquely positioned to lead and help our clients turn these insights into action, enabling them to deepen customer relationships, tailor offerings to evolving needs, and ultimately empower more consumers to achieve meaningful financial milestones.  To learn more about Experian’s suite of cash flow-based solutions, please visit: https://www.experian.com/business/products/cashflow-score

Agentic AI is no longer a future concept. It is here today, transforming how businesses operate. At Fortune Brainstorm Tech in Park City, I joined leaders from Salesforce, Okta, and Zillow to discuss this market shift. The takeaway was clear: agentic AI is not a trend. It is a catalyst for lasting change. At Experian, we see it as a force to unlock opportunity, spark innovation, and most important, build trust. People First Our leadership in AI starts with our people. Experian was recently named one of Fortune’s Top 10 Best Workplaces in Technology. That recognition reflects a culture built on curiosity, fostering innovation, inclusion, and collaboration. It is this culture that drives us to create technology with real impact, to help solve our customers’ needs. In our innovation labs, I see this spirit every day. AI agents open new opportunities, but they also bring challenges around identity, privacy, and fraud. That is why Experian’s role is to serve as the trusted backbone of this new era, ensuring AI remains explainable, transparent, non-biased, and secure. Responsible innovation is not optional. It is our standard. Experian Assistant: A First Step Toward the Future Experian has more than a decade of experience working with AI, applying advanced analytics and machine learning across industries to help businesses and consumers make smarter decisions. That expertise has prepared us to take the next step forward. A powerful example is our Experian Assistant, the first conversational, AI-driven virtual assistant in our industry to deliver continuous analytics and decisioning support. Integrated into our Ascend platform, it helps teams move faster, improve compliance, accelerate time-to-market, and make smarter decisions. This is only the beginning. Experian Assistant lays the foundation for what comes next: a future where AI agents do not simply operate individually but connect, collaborate, and fulfill, all compliantly. These networks of AI agents can amplify human intelligence while safeguarding trust. Building Confidence amid Change At Experian, we are shaping the future of AI responsibly and with purpose. By combining a spirit of innovating with a people-first culture, we deliver solutions that are secure, transparent, and transformative. With innovations like Experian Assistant leading the way, we will help our customers embrace change today while preparing for the trusted agentic-AI networks of tomorrow.

Healthcare providers are facing a perfect storm of operational challenges—rising claim denials, increasing data errors, and persistent staffing shortages—all of which are straining revenue cycles and threatening financial stability. Experian Health’s 3rd Annual State of Claims Survey reveals that these issues are not only ongoing but intensifying. The survey found that 41% of providers now report denial rates of 10% or higher, a troubling trend that has worsened each year since 2022. The root causes remain consistent: missing or inaccurate data (50%), authorization issues (35%), and flawed patient registration data (32%). These errors are not just administrative—they directly impact cash flow and patient care. To view more of the findings, download our report here. While challenges continue, what we are excited about is the growing optimism around artificial intelligence (AI) as a solution. 67% of providers believe AI can improve the claims process, and 62% say they are well-versed in AI and automation—a dramatic increase from just 28% in 2024. Among those who have adopted AI, the results are promising: 69% report reduced denials and improved resubmission success. Experian Health’s own Patient Access Curator is one such tool, leveraging AI to streamline front-end data collection, eligibility verification, and insurance discovery in real time. The data is clear: the status quo is unsustainable. Providers must embrace technology not as a future possibility, but as a present necessity. AI is no longer theoretical—it’s a proven tool that can help break the cycle of denials, delays, and data errors. Experian Health is committed to helping providers navigate this transition with solutions like AI Advantage and Patient Access Curator, designed to simplify workflows and improve outcomes. For more information about our revenue cycle products, visit http://www.Experian.com/health.

At Experian, people often describe their experience with words like supportive, inclusive, and inspiring. It is the feeling of being part of a team that encourages curiosity and collaboration, and of knowing your work has real impact. That is why we are proud to share that Experian has been named one of the nation’s top technology employers, ranking 10th on Fortune’s 2025 Best Workplaces in Technology list. This recognition reflects what it’s like working at Experian. We are committed to creating an environment where people can grow, innovate, and thrive while shaping technology that makes a lasting difference in the world. Recognition that Starts with People Whether solving today’s challenges or preparing for tomorrow’s opportunities, our culture of inclusion and support empowers people to do their best work. This award is based on the voices of employees. Fortune and Great Place to Work® surveyed more than 1.3 million people nationwide, with 157,000 responses shaping the list. They shared perspectives on respect, fairness, growth opportunities, pride, and authenticity. The results reinforce what we believe: great workplaces are built on trust, inclusion, and opportunity. AI Innovation with Purpose When people feel supported, they do extraordinary things. One example is Experian Assistant, a breakthrough in conversational AI. Built on our commitment to responsible AI, it combines technical expertise with human-centered design to ensure innovation is ethical and impactful. Integrated with the Experian Ascend Platform™, it delivers intuitive 24/7 analytics expertise. By helping financial institutions cut model development times, Experian Assistant allows teams to move from concept to decisioning with confidence. It is innovation with purpose, designed to solve real business challenges while championing trust and responsibility in AI. Building on Momentum Being named to Fortune’s list is one highlight of a strong year. In 2025, Experian also placed sixth on the IDC FinTech Rankings and was recognized by Forbes as one of America’s Best Employers for Tech Workers. These honors remind us that when people thrive, companies succeed.

As someone proudly of Mexican heritage, I’ve felt a deep responsibility to ensure that the Hispanic community has access to the tools and resources needed to thrive financially. That’s why I’m incredibly excited to announce the launch of our brand campaign, “BFF” — Big Financial Friend — in Spanish that will air in Spanish-language programming this fall. This campaign is more than just advertising to me. It’s about speaking directly to Hispanic families in the language of trust and inclusion and showing them that Experian is here to support their financial journey every step of the way. Last year, we took a bold step in that direction by relieving $10 million in consumer debt for over 5,000 Hispanic families across the country. This initiative, in partnership with ForgiveCo, was designed to provide immediate relief while also opening doors to long-term financial wellness. Each recipient received a free one-year premium Experian membership, including access to their credit report in Spanish, bilingual educational content, and tools to help manage bills, subscriptions, and credit card options tailored to their needs. This work is not only important to me but to our organization demonstrating our commitment to financial inclusion. Our research shows that Hispanic consumers are disproportionately affected by limited access to credit and financial education. In fact, 72% of Hispanic respondents in an Experian survey said that more financial education would help reduce stress about their financial situation. That’s why we’re committed to delivering Financial Power to All™, and why doing campaigns like BFF in-language is so important. We’re not just translating ads — we’re translating opportunity. We’re making sure that every family, regardless of language or background, knows that Experian is here to help them build credit, reduce debt, and achieve their financial goals. Because when we do, we don’t just build inclusive campaigns — we build better futures. You can see Experian this fall on the popular morning show Despierta America, as well as during telecasts of the 2025 Billboard Latin Music Awards and the 26th Annual Latin GRAMMY Awards® on Telemundo and TelevisaUnivision. Please visit our Spanish Resources page to access educational articles. Watch our first commercial in Spanish here. Happy Hispanic Heritage Month.

At Experian, innovation begins with people. That is why it is especially meaningful that Forbes has named us one of America’s Best Employers for Tech Workers in 2025, ranking us 42nd nationwide. This recognition reflects not only our benefits and career opportunities but also the culture of collaboration, innovation and growth that defines Experian. A Culture That Fuels Growth We have built a workplace where collaboration thrives, and bold ideas are encouraged. Programs such as Experian University, Global Careers Week and the Leadership Exchange portal provide opportunities for continuous learning. Flexible work models and our global Mental Health First Aiders program, with nearly 400 trained volunteers across 23 countries, ensure that employees are supported both professionally and personally. Building Trusted AI Solutions Experian’s culture of innovation comes to life through the trusted AI solutions our teams build. Experian Ascend is a powerful, end-to-end analytics and data management platform that helps businesses uncover deeper insights, make smarter decisions and accelerate growth. Integrated within the Ascend Platform, the award-winning Experian Assistant is an agentic AI powered conversational tool that empowers businesses and financial institutions to harness data more effectively and deliver more personalized experiences. Expanding on this, the Experian Assistant for Model Risk Management provides greater transparency, oversight and confidence in AI driven models. Together, these innovations show how Experian is leading the way in trusted AI by combining advanced analytics with human ingenuity to help people and businesses thrive, while giving our employees the opportunity to work on technology that truly shapes the future. Why This Recognition Matters The Forbes honor is rooted in feedback from more than 25,000 tech professionals across the United States. The evaluation measured flexibility, professional development, compensation, workplace culture and how technologically progressive each company is. Moving up four places from last year highlights the progress we are making not only as an employer but also as a leader in trusted innovation. Being named one of the best employers in tech affirms that Experian is a destination for building trusted AI solutions and meaningful careers.

After more than 25 years with Experian, one of the most common questions I get when talking with people outside of the industry or in my personal life is, “oh, you make credit scores, right?” This is a common misperception. While the terms ‘credit reports’ and ‘credit scores’ are sometimes used interchangeably, at our core, we are a data and technology company. Experian collects, provides and protects the data that makes credit scores possible and helps enable financial power for all. The Federal Housing Finance Agency’s (FHFA) recent decision to approve more modern scores for use in mortgage sparked a flurry of industry discussions. Some of the oversimplified sound bites do not accurately capture the value and unique role credit information plays in the mortgage lending process. The difference between a credit report and a credit score Credit Report - Experian credit reports include detailed data of a consumer’s credit history, including accounts, balances, payment behavior, inquiries, and more, and reflect the financial decisions consumers make over time. Credit Score - A number developed by a separate company – such as FICO or Vantage Score – that’s generated by applying a mathematical software model to the credit data Experian maintains. It’s a moment-in-time assessment of creditworthiness based solely on the information in the report. To be clear, credit scores are only as predictive and relevant as the data that powers them. Simply put, credit scores would not exist without credit data. Credit report infrastructure and investment Each month, Experian processes more than 1.3 billion updates and we collect, maintain and secure data on 220 million Americans from more than 12,000 data contributors across the nation. The investment associated with this massive undertaking is more than $1 billion annually. We’ve built systems to ensure this data is current, accurate and relevant so lenders can make fair and informed decisions. We meet the needs of clients and consumers by delivering this data in a secure and timely manner, often in a matter of seconds. As the steward of consumer support, Experian handles disputes, education, access, and we ensure transparency, which are core elements of our regulatory obligations. We operate under strict compliance and regulatory frameworks that govern how we collect, manage, and share consumer credit data. Navigating complex regulatory landscapes comes with significant financial and operational responsibilities that we manage, which is the cornerstone of lending in the U.S. This all occurs while we continually enhance our systems to meet complex and evolving regulatory requirements and prioritize data security against the backdrop of consistent and rapidly evolving threats. While credit scores are essential to lending decisions, the companies that create them are not subject to the same regulatory scrutiny and costs as credit reporting agencies. This distinction matters: we are responsible for the integrity, accuracy, and security of the information that is indispensable to powering the entire credit ecosystem. Evolving to meet consumer needs As consumer behavior has changed, so have we. We’ve helped more than 15 million consumers expand their credit histories through our free Experian Boost feature and were the first credit reporting agency to allow for the inclusion of positive rent payments, buy now pay later loans, and more on credit reports — all aimed at empowering more consumers to participate in the mainstream financial ecosystem. Experian data powers the scores that help consumers qualify for mortgages, auto loans, credit cards, and many of the financial products that move us forward in life. It enables lenders to extend credit responsibly and advances the economy. And it helps consumers understand and improve their financial health. A new inflection point When I joined Experian, the primary credit score for mortgage decisioning was already in use and has been the case for more than two decades. We’ve long advocated for score choice in mortgage and, today, we’re at an exciting inflection point with the introduction of newer models that can use broader data sets. As a result, the new scores are more predictive, more inclusive, and better aligned with the way consumers manage credit in the modern world. As the industry and consumer behavior continue to evolve, we are committed to leading with integrity, innovation, and a deep respect for the consumers we serve. We look forward to offering our mortgage clients a choice in credit scoring models for the first time. Competition in this space is not only healthy, but also necessary to ensure the system evolves to meet the needs of today’s consumers and lenders.

At Experian, innovation and preventing fraud go hand in hand. That’s why we’re excited to announce a new partnership with Incode Technologies, a global leader in AI-driven identity verification. Through this collaboration, Incode’s advanced technology is now integrated into the Experian Ascend Platform™, helping organizations across industries make faster, smarter, and more secure decisions. With this integration, more than 1,800 global clients—from financial services and healthcare to automotive and digital marketing—can benefit from seamless, real-time identity validation. Incode’s AI-powered solutions verify and connect identity elements such as government-issued IDs, facial recognition, liveness checks, and metadata analysis. The result is stronger protection against synthetic identity fraud and application fraud, while maintaining a frictionless customer experience. In North America, Incode’s solutions will be offered within Experian’s CrossCore Document Verification suite, with global expansion already planned. This flexibility allows businesses to tailor their fraud and risk strategies with unmatched agility and precision. By combining Experian’s global software expertise with Incode’s AI-powered identity verification, this partnership strengthens our mission to help businesses and consumers build trust in an increasingly digital world.

We are proud to share that The Civic 50 has recognized Experian as one of the 50 most community-minded companies in the United States. This recognition, awarded by Points of Light, celebrates Experian’s unwavering commitment to drive positive change in the communities we serve. In the past year alone, Experian has contributed over 71,000 volunteer hours globally, with employees dedicating their time and talents to causes they care about, supporting community organizations through donations, partnerships, and employee engagement. Our employees are empowered to give back through paid volunteer time, skills-based volunteering, and company-sponsored service events. Whether mentoring students, supporting small businesses, or helping families build financial literacy, our teams are making a tangible difference. One standout initiative is our United for Financial Health program, which has reached over 160 million people globally with tools and education to improve financial well-being. This is just one example of how we’re turning our expertise into action. Being named to The Civic 50 is both an honor and a responsibility. It reaffirms our belief that when we invest in our communities, we all thrive. To learn more about how Experian is making a positive impact in our communities, check out our 2025 Power of YOU Report: English  |  Portuguese  |  Spanish