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The way we learn, explore, and figure things out online has changed very rapidly. We don’t interact with digital platforms the way we used to, and researching financial questions are no exception. As the parent of three daughters—ages 9, 11, and 14—I see this evolution firsthand every day. Their phones and tablets are their lifeline to friends, learning, and discovery, and I’m constantly amazed by how quickly they absorb information while also feeling the responsibility to make sure what they’re consuming is accurate and trustworthy. For many young adults, financial advice no longer starts with institutions. It starts in conversations, on social platforms, and often from unverified sources. That shift is shaping how we think about financial education at Experian, and it’s why we’re excited to bring trusted, AI‑powered financial information soon into Snapchat through its AI Sponsored Snaps ad offering. Snapchat has millions of monthly users and is one of the most conversation‑driven platforms out there[i]. That makes it a natural place to share helpful information in a way that feels timely, familiar, and approachable. If we want to help people feel more confident about money, we can’t wait for them to come find us. We need to show up where curiosity naturally happens, including in the middle of everyday conversations they’re already having. Soon in Snapchat Chats, users will be able to engage with Experian through an AI-powered conversational experience to ask questions and receive easy-to-understand guidance. Extending financial knowledge beyond our own platforms This is another step in expanding Experian’s presence into places where people start making decisions. Recently, we integrated with ChatGPT to help consumers explore auto insurance options through the Experian Marketplace, which is another example of how we are showing up outside of our platform. Together, these efforts and future expansions are about meeting people in a comfortable environment, giving them helpful information, and letting them decide how far they want to go. For younger consumers especially, access to credible financial education early on can really matter. There’s a lot of noise online, and it’s not always clear where advice is coming from. Showing up with trusted information helps cut through that and makes it easier to start building confidence. Consumer-First AI at work AI helps make all this possible by allowing us to deliver financial insights quickly, efficiently, and across a growing number of platforms. But for me, technology is only meaningful when it’s grounded in humanity. I care deeply about how our work shows up and truly impacts people. When we meet consumers with empathy and trusted information in spaces they already know and enjoy, we become more than a tool. We become a supportive financial co‑pilot, helping them navigate questions and decisions throughout their life journey. That human impact is what inspires me most. It’s also what makes experiences like this partnership with Snapchat so rewarding because it shows how innovation, when thoughtfully applied, can help people feel more informed, confident, and empowered on an everyday basis. [i] Source: Snap Inc.

Great technology should make work easier, smarter, and more meaningful. That is exactly what Experian set out to do, and why we are proud to be named a 2026 CIO 100 Award winner by Foundry’s CIO. This recognition highlights our efforts to reimagine the workplace by combining artificial intelligence, modern digital tools, and trusted data to help our people do their best work every day. For more than 40 years, the CIO 100 Awards have recognized organizations that use technology to create real business impact. This year’s winners show what is possible when AI, data, cloud, and security come together with a clear purpose. Making AI Work for People At Experian, AI is not just a buzzword. It is a practical tool that helps employees save time, work more efficiently, and make better decisions. Just as important as what AI can do is how it is used. We have built strong guardrails around data governance, privacy, and security to ensure everything we do is responsible and trustworthy. Human oversight remains essential because the best outcomes come from combining technology with human judgment. Today, thousands of Experian employees use AI powered tools to automate routine tasks and focus on higher value work. As Alex Lintner, CEO of Technology and Software Solutions at Experian, said: “This recognition reflects how we are bringing together AI, a modern digital workplace, and trusted data to drive real innovation. By giving our employees the right tools, we are helping them move faster, make better decisions, and deliver better outcomes for our customers.” Turning Transformation Into Results Led by the digital workplace team, this transformation delivers measurable results. More than 17,000 Experian employees now use AI powered tools, generating over one million interactions each month. Onboarding readiness exceeds 90 percent, employee satisfaction averages 4.5 or higher, and first call resolution rates have improved to about 85 percent. This progress is supported by a global operating model and a cloud first approach, including our work with AWS, which helps us scale and innovate faster. Innovation Beyond the Workplace The same focus on AI and data is shaping how we serve customers. The Experian Ascend Platform™ helps businesses make smarter decisions using machine learning and real time insights. It is used by more than 1,400 users worldwide, processing millions of credit reports and billions of transactions each year. On the consumer side, tools like EVA, Experian Virtual Assistant ™are making financial guidance more accessible through personalized, conversational experiences. Looking Ahead This award is an important milestone, but it is only part of a larger journey. We will continue investing in AI, data, and technology to lead change. By empowering our people with the right tools and trusted data, we are building a strong foundation for continued innovation.

Experian has been named one of the top providers in retail banking analytics in Chartis Research’s first Retail Banking Analytics50 2025 report. We were also awarded Best Overall Strategy and recognized for our Retail Analytics Governance Framework, highlighting our continued leadership in helping financial institutions turn data into smarter decisions. The Chartis report evaluates companies that support banks in using analytics to guide strategy, modeling, and go to market efforts. This recognition reflects our focus on combining trusted data with advanced analytics and AI to deliver clear, confident decisioning. Driving Smarter Decisioning with Data and AI “Experian continues to set a benchmark in retail banking analytics,” said Anish Shah, Research Director at Chartis Research. “Its cloud-native, AI-powered platform delivers fast, transparent and accurate risk decisioning – as reflected in its top 3 placing in Chartis’ Retail Banking Analytics50 2025 ranking.” At the center of this recognition is the Experian Ascend Platform™, which brings together advanced analytics, trusted data, and decisioning capabilities in one unified environment. The platform enables organizations to move easily from data exploration to model deployment and monitoring, while maintaining strong governance and compliance throughout the process. For more than 15 years, we have invested in AI and advanced analytics to help financial institutions transform complex data into meaningful insights. These capabilities support better decision making across the customer lifecycle, from onboarding and credit risk to fraud prevention and portfolio management. Commitment to Governance, Compliance, and Trust This recognition underscores our continued innovation in helping customers streamline decision making, strengthen fraud prevention, and maintain compliance with evolving data privacy regulations. Also being recognized for our analytics governance framework reinforces our commitment to responsible data use and transparency. As regulatory expectations continue to evolve, strong governance has become essential for financial institutions looking to scale analytics with confidence. To learn more about the Chartis Retail Banking Analytics50 2025 ranking and award winners, visit the Chartis Research website.

Trust is foundational to everything we do at Experian. It’s how we build products people rely on, how we serve clients and consumers, and how we work together every day. That focus makes this year’s recognition from Fortune’s 100 Best Companies to Work For List even more meaningful. For 2026, Experian soared to ranking No. 38—our highest placement ever and a more than 20‑spot jump from last year. This marks our seventh consecutive year on the list. What makes this honor especially significant is how it’s earned. The ranking is based entirely on employee feedback from the Great Place to Work survey. Our people told us they feel welcomed, trusted to do their jobs, respected for who they are, and valued for the impact they make. They shared that Experian is a place where people can be themselves and count on one another. That internal trust matters externally. When employees trust their workplace, they do their best work. That translates directly into the trust our consumers and clients place in us—to handle data responsibly, deliver insights with integrity, and help people and businesses move forward with confidence. Our way of working has earned Experian the 2026 BIG Innovation Award for its AI-powered Experian-Assistant for Model Risk management, Top Score in the 2026 Equality 100, Best Place to Work for Disability Inclusion, and as one of the 25 World’s Best Workplaces™ 2025. This recognition reflects the culture our teams continue to build across North America—one grounded in trust, accountability, and purpose. We’re proud of the progress we’ve made, and we know there’s always room to go further. Thank you to everyone who places their trust in Experian. We don’t take it lightly. Learn more in the Experian 2025 Power of YOU Reports: English  |  Portuguese  |  Spanish

We believe financial decisions should feel empowering, not overwhelming. Choosing how to protect your family, planning your next move, building your future, these are personal milestones. Yet too often, the tools meant to help consumers navigate them create friction instead of clarity. We are changing that. Our Consumer-First AI strategy starts with a simple belief: technology should make life easier for people. We’re building AI-powered experiences that meet consumers where they are, cut through complexity, and provide guidance that feels intuitive, supportive, and genuinely helpful. Reimagining Insurance Shopping Through Conversation One example is the launch of our Experian Insurance Marketplace, a leading platform to find and compare auto insurance rates[i], within ChatGPT. Shopping for insurance has long been a frustrating process. Consumers jump from site to site, repeatedly entering information and trying to decode policy differences, often still unsure if they found the right coverage at the right price. Now the experience can begin with a simple question inside ChatGPT. Consumers now can start their journey with Experian and compare estimated rates from more than 35 leading insurance carriers in our network, receive clear coverage explanations, ask follow-up questions in real time, and seamlessly transition into the Experian experience to explore personalized savings and switch carriers. What once took hours across multiple websites can now begin in one guided interaction. Powered by Experian’s Innovation Engine This experience is powered by Experian’s Insurance Marketplace platform and built on years of data expertise, advanced analytics, and strong carrier relationships. It reflects our ability to combine trusted data with emerging AI to create entirely new consumer experiences. For example, consumers can start with a ZIP code to explore price comparisons and, if they choose transition securely to Experian’s website for a personalized quote. This is Consumer-First AI in action. It is not technology for its own sake, but innovation designed to make life easier, build confidence, and give people greater control over their financial journey. Just the Beginning Experian has long helped people build credit, protect their identity, and improve their financial health. Bringing other capabilities, we offer like insurance into conversational AI is a natural extension of that mission. Insurance is only the start in seeing Experian via other platforms. As AI becomes a bigger part of our financial lives, we will continue expanding solutions both within our ecosystem and in other properties like ChatGPT that simplify complex moments and deliver smarter, more personalized guidance wherever consumers are or prefer to engage. Because at Experian, we are committed to being your BFF, your Big Financial Friend, showing up with trusted guidance, practical tools, and support exactly when it matters most. To explore the Experian Insurance Marketplace within ChatGPT or learn more, visit www.experian.com/insurance Insurance products are offered through Gabi Personal Insurance Agency, Inc., d/b/a Experian Insurance Services, a licensed insurance agency. Availability and savings vary by state. Savings are not guaranteed. For license information, visit https://www.experian.com/help/insurance-licenses-disclosure/ [i] Results will vary and some may not see savings.

At Experian, we believe that every individual deserves to feel valued, respected, and supported to thrive. We are dedicated to fostering a workplace where people can bring their full identities to work. This commitment extends beyond any single initiative; it is embedded in how we show up for one another and in how we build a culture where all employees feel seen, heard, and supported. We are pleased that for the seventh consecutive year, our people-first approach has earned us a top score on the Human Rights Campaign Foundation’s Corporate Equality Index (CEI), securing our place on the Equality 100 list for LGBTQ+ workplace inclusion. This honor comes on the heels of winning Out & Equal’s 2025 Outie award for Workplace Excellence and Belonging, and reaffirms our efforts for a workplace that embraces inclusion. Ally is a verb, not just a noun, at Experian. Our Experian Pride Employee Resource Group created an allyship training for all employees and a Parents Group to provide resources to parents, caregivers and family members so they can better support LGBTQ+ youth and family. New this year is our updated bereavement leave policy that acknowledges chosen family, which honors the experiences of many individuals in the community. As Experian Chief Sustainability Officer Abigail Lovell says, “The world works best when everyone gets to live as they truly are.” At Experian, we remain dedicated to making that a reality. Learn more about Experian ‘s commitment to inclusion and belonging in its 2025 Power of YOU Reports:  English  |  Portuguese  |  Spanish

Artificial intelligence is quickly becoming a cornerstone of modern lending, and new research from Experian shows just how central it has become to financial institutions’ strategies. According to the latest Experian Perceptions of AI Report, adoption is accelerating as lenders look to AI to improve efficiency, sharpen decisioning and manage risk in an increasingly complex environment. The study surveyed more than 200 senior decision makers across leading financial institutions. An overwhelming majority of respondents view AI as either critical or a high priority over the next two years. Even more telling, nearly nine in ten believe AI will play a vital role across the entire lending lifecycle, from application and underwriting to fraud prevention and portfolio management. What is driving this momentum is clear. Respondents expect AI investments to deliver meaningful gains in operational efficiency, stronger credit accuracy, and more proactive risk mitigation. These benefits are no longer theoretical. Many institutions are already seeing measurable improvements as AI becomes embedded in everyday decisioning processes. At the same time, adoption is not without its challenges. Regulatory uncertainty remains a top concern, with many leaders carefully navigating evolving compliance expectations. Data readiness is another critical hurdle. Nearly two-thirds of respondents identified having AI-ready data as one of their biggest obstacles. In fact, data quality emerged as the single most important factor influencing trust when selecting an AI partner. Experian is uniquely positioned. With an industry leading data ecosystem and advanced analytics capabilities, Experian helps lenders move faster from model development to real-world impact. Recent AI powered enhancements to the Experian Ascend Platform empower more intelligent, proactive decisioning that anticipates customer needs, detects risk in real time, and uncovers new growth opportunities. To learn more click here: Experian Perceptions of AI Report.

Every year, I look forward to sharing Experian’s Future of Fraud Forecast because it’s more than just a report —  it serves as a trusted guide for the industry and a way to cut through the noise to spotlight the trends that will matter most over the next year. Fraud isn’t just a business problem. It’s also a human problem that impacts real people. Every time we stop fraudsters, we protect people’s identities, their financial security, and their trust in the digital world. That’s the mission that drives me. As we head into 2026, the fraud landscape is evolving in ways we couldn’t have predicted 20 years ago. We’re entering an era where AI is making fraud more sophisticated, autonomous and scalable than it was even just 12 months ago. For example, agentic AI can help book a vacation with just a single prompt. Meanwhile, tried and true schemes that have been around for years are still happening and are being accelerated by AI. This isn’t science fiction, it’s happening now and requires modern fraud mitigation strategies to combat. If we fail to act, businesses and consumers will face risks that are harder to detect and easier to exploit, leaving millions vulnerable. This year, our forecast highlights five fraud threats including: Machine-to-machine mayhem: As organizations race to leverage agentic AI, the sheer volume of players entering the space will make fraud inevitable and impossible to ignore. Fraudsters will exploit agentic AI to commit new levels of digital fraud. With machine-to-machine interactions initiating transactions without clear ownership of liability, businesses will face growing uncertainty around agent ownership, intent and risk. Experian predicts fraud will reach a tipping point that will spark major conversations and decisions around liability, regulation and the role of agentic AI in shaping responsible digital commerce. Deepfakes outsmart HR: Employment fraud is set to escalate in the remote workforce as generative AI (GenAI) tools generate hyper-tailored resumes and deepfake candidates capable of passing interviews in real time. Experian forecasts that employers will unknowingly onboard individuals on a much larger scale who aren’t who they say they are, giving bad actors access to sensitive systems. This emerging threat is expected to reshape how organizations verify identity and intent in the hiring process. Smarter homes, scarier threats: Smart homes are introducing new entry points for fraud. Devices like virtual assistants, smart locks, security systems, smart appliances and the coming use of humanoid robots will be exploited by bad actors to access personal data, monitor household activity and even take control of physical access points. Experian predicts that as the adoption of smart home devices continues to grow, so will the risk, with new forms of ransomware and opportunities for account hijacking, turning convenience into vulnerability for consumers. Website cloning will overwhelm fraud teams: Cloned websites, where fraudsters replicate legitimate sites to phish consumers, are becoming easier to create through AI tools and harder to eliminate. Notably, even after takedown requests, spoofed domains continue to resurface. As companies are forced to play whack-a-mole to address these threats, they risk being distracted from broader fraud strategies, allowing other threats to escalate. Experian forecasts that cloned sites will continue to cause significant losses for online retailers and businesses by tricking consumers into sharing their credentials, fueling credit card fraud, accelerating identity theft and synthetic identities, and facilitating other forms of financial fraud. Bots will break hearts and bank accounts: Emotionally intelligent bots powered by GenAI will accelerate the scale of their complex scams, like romance fraud and relative-in-need scams, without a human behind the keyboard. These bots will respond convincingly, build trust over time, and manipulate victims with precision and emotion. As they become harder to distinguish from real people and good bots, Experian predicts fraud will scale faster and become more financially and psychologically damaging. Fraud is becoming more adaptive, autonomous, and intelligent. But the good news is we can fight back. At Experian, we’re committed to helping businesses outpace these threats by combining differentiated data, advanced analytics, and AI-powered technology. Together, we can protect consumers without sacrificing experience and make a real difference in people’s lives. Learn more about Experian’s fraud prevention solutions here.

At Experian, we believe that financial education and opportunities should be accessible to everyone, and sometimes the best way to share that message is through something that unites us all, like sports. As part of our latest installment of the “BFF” - Big Financial Friend – ad campaign, we celebrate smarter money moves with two professional athletes and real-life best buddies San Francisco linebacker Fred Warner and Los Angeles wide receiver Puka Nacua. These pro football stars bring authenticity and energy to the campaign by showing how Experian can be the ultimate teammate, helping consumers save money and make better financial decisions. In the new commercials developed by Experian’s in-house creative agency The Cooler, Fred and Puka talk life, football, and finances. Their chemistry illustrates what Experian stands for: being by consumer’s side like a trusted friend who’s always looking out for them. Sports as a bridge to financial empowerment Sports have a unique ability to bring people together across backgrounds, circumstances, and financial situations. Whether fans are watching from home or in the stadium, sports create shared experiences that transcend differences. That’s why we continue to leverage this powerful platform to reach as many people as possible with our message of financial empowerment and to share our products and services. We’re thrilled to work with athletes like Fred and Puka, whose energy and authenticity help us connect with millions of fans during some of the biggest sporting events of the year. These moments aren’t just games, they’re cultural touchpoints, and we’re harnessing them to reach more people with knowledge and tools that make a real difference. This campaign is a great example of how we’re combining creativity, culture, and technology to make financial wellness accessible to everyone. Watch the new ad here and keep an eye out for it during the College Football and pro football playoff season.