All posts by Destiny White

This week marks the start of International Fraud Awareness Week, a global initiative dedicated to raising awareness about fraud prevention and empowering businesses and individuals to take proactive steps against financial crime. At Experian, we’re dedicated to helping organizations and consumers stay ahead of fraudsters and anticipate future threats. That’s why I’m excited to announce the launch of a new Experian DataTalk podcast series: Fraud Frontlines. This series will feature conversations between myself and industry experts and innovators on the latest fraud trends and strategies to mitigate risk. Introducing DataTalk’s Fraud Frontlines Series: Insights from Episode One In our inaugural Fraud Frontlines episode, I sat down with Nash Ali, Experian’s VP of Fraud Strategy, to discuss how fintech innovation has reshaped the fraud landscape and what that means for the future. As financial technology continues to revolutionize how people transact online, it’s also changing how fraudsters operate. The rise of GenAI and automated scams has introduced a new level of sophistication that demands equally advanced defenses. Key Themes & Insights: AI vs. AI: The New Battleground: Fraudsters are weaponizing GenAI to create sophisticated scams. What’s the way forward? Deploying AI-powered defenses that detect anomalies, identify malicious bots, and uncover coordinated fraud rings in real time. Smart Friction, Not Roadblocks: Consumers demand security without sacrificing convenience. Leading fintechs are embracing risk-based orchestration, applying adaptive controls tailored to user behavior instead of rigid authentication. Behavioral Biometrics to Combat Bots: Experian’s behavioral analytics powered by NeuroID enable the detection of bots and are evolving to recognize and distinguish between good agents and fraudulent agents. This capability analyzes multiple new digital and behavioral signals without adding friction to the user experience. The Rise of Agentic AI: Transactions are beginning to involve autonomous agents acting on behalf of humans. Businesses must prepare to authenticate these agents, validate the human and the intent behind them and distinguish automation from bad actors. Fintechs have enabled great new digital experiences, rapid response rates and a focus on user convenience. This digital transformation has also led to new attack surfaces for fraudsters. Traditional industry players and fintechs alike are joining forces to fight these new types of fraud. The challenges are complex, but the opportunities to innovate have never been greater. These are exciting times for those shaping a safer digital economy. I invite you to listen or watch the episode and stay tuned for new episodes and ongoing insights into fraud trends and prevention strategies. Listen to the episode Watch on YouTube Learn more about Experian’s fraud prevention solutions

I still remember the first apartment my husband and I rented. It was a modest one-bedroom in a less-than-ideal neighborhood, but affordable nonetheless. We cherished the independence it gave us, though I couldn’t help but dream of the day we’d own a home of our own. Like many renters, I worried about whether we would ever be “ready.” Was my credit strong enough? Would we be able to save for a down payment? Did we even understand the mortgage process? Those questions stayed with me for years until we finally purchased our first home. Looking back, I realize I could have saved myself a lot of stress if I had better understood the steps to prepare for homeownership. That’s why I’m so passionate about helping today’s renters feel more confident as they plan their journeys. Renters are more optimistic than ever Experian recently surveyed U.S. renters and found nearly half (47%) believe they’ll be ready to buy a home in the next four years. And when looking out over the next eight years, that jumps to 67%. This optimism is encouraging, especially among Gen Z and Millennials, who represent the next wave of homeowners. But optimism alone isn’t enough. Renters told us their biggest barriers include saving for a down payment, keeping up with rising home prices, and managing their credit scores. Nearly 40% also admitted they don’t feel fully confident in their financial knowledge around homeownership. The good news? There are concrete steps you can start taking today to put yourself in the best position possible when you’re ready to buy. Four tips to help you prepare for homeownership Understand your credit profile Your credit history plays a big role in qualifying for a mortgage. Sign up for a free Experian membership to check your credit report, get alerts about changes, and see where you stand. Knowledge is power and checking your credit report regularly can help you understand ways to improve your credit score to better prepare for homeownership. Get credit for paying rent As a renter, one of your biggest monthly expenses may not even be reflected on your credit report. By using Experian Boost®[1], you can add eligible rent, utility, and even streaming service payments to your credit file. This can instantly help strengthen your credit history and show lenders you consistently pay on time. Your landlord or property management may also report your positive rent payments to Experian RentBureau – the industry’s largest rental data base. With the introduction and increased adoption of modern scores in mortgage decisions, payments like this may help improve your ability to qualify for a mortgage. Build your financial knowledge Your path to homeownership will undoubtedly come with questions and we want to be a trusted resource to help consumers build their financial knowledge. Start building your knowledge now by joining Experian’s free #CreditChat every Wednesday or exploring our Ask Experian blog. Small, consistent learning adds up. Seek trusted guidance You don’t have to figure everything out alone. Nonprofit organizations like HomeFree-USA offer education and personalized support for renters pursuing homeownership. Through the Experian CreditCenter, we’ve partnered with HomeFree-USA to provide free tools tailored to your financial journey. Your bank or credit union likely also has a dedicated resource to help you better understand your homebuyer readiness. Utilize that resource! You can take steps today If I could go back and give my younger, renter-self advice, I’d tell her this: don’t wait to start preparing. Even small actions like checking your credit report, learning about the mortgage process, or making sure your rent payments count, can bring you closer to homeownership. The journey might feel overwhelming at times, but remember, you’re not alone. At Experian, we’re here to provide the resources and support you need to help turn the dream of owning a home into reality. [1] Results will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®.

Homeownership has long been the foundation for financial security, stability, and generational wealth. But for millions of Americans, especially younger renters, the dream of buying a home can feel out of reach. We recently surveyed U.S. renters[1] to better understand their outlook on the prospects of owning a home. The findings reveal a surprising sense of optimism: nearly half (47%) believe they’ll be ready to purchase a home within the next four years, and that figure jumps to 67% when looking over the next eight years. Gen Z and Millennials, in particular, see a future where they will step confidently into homeownership. This optimism is encouraging, but it also underscores the responsibility we share as an industry to help these aspirations become reality. Data plays a significant role. Why modern credit scores matter Every lending decision and credit score is built on a foundation of good data. And in the mortgage market, we believe data has the power to change lives and turn today’s renters into tomorrow’s homeowners. Recent changes in the industry, including the Federal Housing Finance Agency (FHFA) and Director Pulte’s approval of VantageScore® 4.0 for use in mortgage decisions, are a testament to the value of data. Unlike traditional models, VantageScore 4.0 considers alternative data, including rental payments, that reflect how consumers manage their everyday financial commitments. Now, with the introduction of more modern scores in mortgage lending, millions of responsible renters can have a fairer shot at achieving their dreams of homeownership. For renters, this move is significant. Paying rent on time can be a strong indicator of readiness for homeownership, yet it historically wasn’t factored into mortgage credit scoring. Building on Director Pulte’s move to make VantageScore 4.0 available for use in the mortgage market, as well as his call to uncover creative ways to make credit scoring more competitive and mortgages more affordable for Americans, we recently took the step to offer VantageScore 4.0 for free to mortgage lenders. As the first credit reporting agency to include positive rental payments on credit reports, and operator of the industry’s largest rental database with nearly 40 million rental profiles, we understand how beneficial predictive data, such as on-time rental payments, can be for improving consumers’ creditworthiness. We’re well equipped to help the industry leverage these insights while helping renters use their positive payment history to their advantage. This change is an example of how smarter data can create a more inclusive financial system. A shared opportunity for the industry Today’s renters are motivated, ambitious, and ready to invest in their futures. As industry leaders, we have a responsibility and an opportunity to meet them where they are with modern tools and better data. Together, we can help more people unlock the door to homeownership, strengthen financial resilience, and ensure the next generation of homeowners is equipped to thrive. [1] Experian commissioned Atomik Research to conduct an online survey of 2,005 adults throughout the United States. The margin of error is +/- 2 percentage points with a confidence level of 95 percent. Fieldwork took place between May 15 and May 20, 2025.

At Experian, we often say our people are our biggest superpower - and today, I’m thrilled to share that this belief has been recognised once again. Experian has been named one of the 2025 World’s Best Workplaces™ by Fortune and Great Place to Work® for the second year in a row. This achievement reflects the culture we’ve built together – one that’s welcoming, inclusive, and rooted belonging. It’s a celebration of every colleague who brings their whole self to work, who lifts others up, and who powers opportunities for our clients, consumers, and communities. We’ve made it our mission to create a workplace where everyone feels included, respected, and empowered. That’s why we’re proud to have earned top scores on the Corporate Equality Index and the Disability Equality Index, and to be recognised with the Outie Award for Workplace Excellence and Belonging. These recognitions matter. But what matters most is how our people experience life at Experian. Whether it’s collaborating, innovating, or growing through world-class development of products, services and contributing to our communities, our culture is designed to help everyone thrive. We’ve also made bold commitments to career development. Initiatives like Global Careers Week, the AI-driven performance coach Nadia, and the NextGen Forum – a global leadership development programme for emerging talent from across our regions – give our people the resources to take charge of their growth and build a “One Experian” mindset. Being named one of the World’s Best Workplaces is a moment to celebrate but also a reminder to keep aiming higher. The world of work is evolving fast, and so are we. From embracing AI to enhancing our digital workplace experience, we’ll continue to push forward and listen to our people every step of the way.

Across financial services, conversations centered about the power of data, including insights gathered through open banking, are becoming more common – for good reasons. These insights offer a dynamic and holistic view of consumer financial health, capturing not just what has happened in the past, but how consumers are managing their money today. At Experian, we’ve always believed in the power of data to drive financial inclusion. That’s why we’ve combined the full strength of our industry-trusted credit data and alternative data assets with rich, consumer-permissioned cash flow information to create something entirely new: the Experian Credit + Cashflow Score. This innovative model harnesses the unmatched depth and quality of Experian data to deliver a more predictive, fair, and forward-looking view of creditworthiness. We’ve long believed in a future where the power of credit data is augmented by cash flow insights to drive inclusion. And with this new score, we’re taking an important step forward in making that vision a reality. Credit + Cashflow Score serves as a catalyst for a transformative shift in how lenders evaluate creditworthiness. One where innovation and inclusion move hand in hand. This is the latest example of how Experian is moving the industry toward a more connected, transparent, and equitable financial future. Bringing the Best of Credit and Cash Flow Together This is the first credit score to combine the predictive strength of consumer-permissioned cash flow data with our industry-trusted, differentiated data assets, including: Credit data, detailed credit account information on more than 220 million U.S. consumers. Trended data, providing a 24-month view of how consumers manage credit over time. Clarity Services data, the nation’s largest alternative credit bureau, expanding visibility into tens of millions of consumers who use nontraditional financial services and may otherwise lack traditional credit histories. By merging these powerful sets into a singular score, we’re helping lenders unlock a more complete and accurate understanding of consumer creditworthiness – enhancing predictive performance by over 40% when compared to conventional credit scores. Simply put, Experian Credit + Cashflow Score represents the next generation of credit scoring—bringing together the power of traditional credit data and real-time bank transaction insights to create a smarter, fairer system that works better for everyone. Powering Financial Opportunity for All The future of credit decisioning is transparent, inclusive, and powered by data that truly reflects how people live today. As we look forward to this, it’s critical we lean not just on the data itself, but on the infrastructure, trust and stewardship that support it. We are uniquely capable of meeting this moment and enabling our clients to leverage the combined power of cash flow information and differentiated data at scale to drive better consumer outcomes, expand access to credit and ultimately bring financial power to all. As lenders embrace open banking and real-time analytics, Experian is setting the standard for what’s next: responsible innovation that balances opportunity with trust.

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.