Innovation

In today’s fast-moving financial world, building smarter models is only part of the journey. Managing them—safely, efficiently, and in alignment with regulatory guidelines can potentially add another layer of complexity. That’s why we are proud to introduce: Experian Assistant for Model Risk Management. Fully integrated with our industry-leading Ascend Platform™ and powered by ValidMind, this first-of-its-kind solution helps financial institutions streamline the different stages of the model governance lifecycle—from documentation to model validation. Manual processes, disconnected systems, and slow approval cycles create friction and risk. Our new solution tackles those head-on. Financial institutions can now automate documentation, use and customize pre-built templates, and centralize model governance—all while aligning with regulatory guidelines like SR 11-7 (US) and SS1/23 (UK). And with built-in workflows, teams stay aligned, faster. It’s all about accelerating innovation without sacrificing oversight. As AI becomes more central to decision-making, strong model governance is no longer optional—it’s essential. Experian Assistant for Model Risk Management gives institutions the tools they need to meet the moment: fast, clear, and transparent. Ready to modernize your model risk management? Learn more or schedule a demo.

As we mark the 10th anniversary of Experian’s U.S. Identity & Fraud Report, the fraud landscape is more complex and fast moving than ever. As fraud accelerates, businesses must not only defend against today’s threats but also prepare for what’s next. We’re committed to helping businesses stay ahead of these challenges. Our latest report offers a comprehensive look at how businesses and consumers are navigating this shifting landscape. Key findings include: Companies are using AI to combat fraud: over a third of companies say they are using AI, including generative AI, to fight fraud. And 72% of business leaders expect AI-generated fraud and deepfakes to be major challenges in 2026. Consumers are skeptical of AI: less than 1 in 4 report interacting with AI-driven tools like chatbots, and just 18% completely trust these tools. Fraud losses are rising: nearly 60% of companies reported an increase in their fraud losses year-over-year, with identity theft, transactional payment fraud, account takeover, peer-to-peer payment scams and first-party fraud identified as the top events experienced last year.    Digital anxiety persists: 57% of consumers are still concerned about doing things online, and their top fears include identity theft, stolen credit card information, online privacy, fake/phishing emails, messages or phone scams, and false information. There’s still a trust gap: while 85% of businesses believe their fraud controls align with consumer expectations, less than half of people are highly trusting of companies to address their concerns online. These findings underscore the need for businesses to reassess their fraud prevention strategies to close gaps, adapt to emerging threats, and align with consumer expectations. As a global leader in identity verification and fraud prevention, we harness the power of data, advanced analytics, and innovative technology to help our clients reduce risk, protect their customers and foster trust.  👉 Explore Experian’s fraud prevention solutions here. 👉 Read the full 2025 Identity & Fraud Report here.

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.

Experian is evolving — and it’s not just a shift in how we show up to consumers, it’s a transformation in how we think about our role in people’s lives. We’re entering a new era, and I want to share what that means for us and the millions of consumers we serve. For years, we’ve been known as a credit bureau. And while that legacy is something to be proud of, it’s only part of our story. Today, we are so much more. Experian delivers a robust consumer financial platform that empowers people to take control of their financial lives and realize their financial dreams. Meet Experian, your BFF We’ve built tools that help people compare auto insurance[i], potentially lower their bills[ii], find the right credit cards, and make smarter financial decisions. But here’s the challenge: many consumers might not know the full extent of what we offer and how we can help them. That’s why we’re launching a bold new brand campaign that brings our mission of Financial Power to All™ to life in a different way. In a multi-dimensional campaign, actor Sam Richardson steps into the role of a consumer’s Big Financial Friend or “BFF,” a larger-than-life character who helps people navigate their financial journeys. With this new campaign – Experian’s first brand re-do since 2016 – we are bringing fresh creative and messaging to consumers to create more awareness about how Experian has their back and can help them throughout their financial lives. It’s important for consumers to have a knowledgeable financial partner they can rely on as they navigate their financial journeys, and we want to be their “BFF” no matter where they are on that journey. We know that many people are facing financial uncertainty right now, like rising costs, economic volatility, and growing anxiety about the future. That’s why our mission matters more than ever. Financial Power to All™ isn’t a tagline. It’s a commitment  that we will continue to build tools, share knowledge, and create access for everyone, no matter where they are in their financial journey. We have the data, the technology, and the people to make a real difference. This campaign is just the beginning. See our first commercial below: [i] Results will vary and some may not see savings. Average savings of $1,137 per year for customers who switched multiple policies and saved with Experian from Jan. 1, 2022 to Mar. 31, 2024. Savings based on customers’ self-reported prior premium. [ii] Results will vary. Not all subscriptions are eligible, savings are not guaranteed, and some may not see savings. Experian members for whom Experian canceled at least one subscription averaged $270/year of anticipated savings. Available with eligible paid memberships and requires connecting payment account(s) to Experian account.

Almost three years ago, generative AI made its mainstream debut, and its rapid evolution since then has been nothing short of extraordinary. The pace of innovation has propelled generative AI far beyond its initial capabilities, transforming industries and redefining possibilities. At Experian, we've been harnessing the power of AI and machine learning for over a decade. As early adopters of generative AI, we have witnessed firsthand not only how it has evolved but also the transformative impact it can have on an organization. I recently had the privilege of delivering a keynote at Octane’s Women Leaders of Octane Forum during OC Innovation Week. During my talk, I shared key lessons from being on the frontlines of innovation fueled by generative AI. My three takeaways include: Staying Ahead in GenAI Adoption: As we all know, generative AI is advancing rapidly. Organizations that delay adoption risk falling behind their competitors and stifling creativity and opportunity. It's essential to stay informed about the latest advancements and be proactive in integrating AI into your operations in an ethical and compliant way. Navigating Challenges in GenAI Implementation: From navigating evolving regulations and addressing employee concerns about using AI tools to ensuring responsible usage and addressing AI-powered fraud, there are numerous challenges to tackle when adopting AI in the workplace. It's vital to understand these issues and develop strategies to counter them effectively. How GenAI Enhances Workplace Creativity: As generative AI becomes more integrated into employees’ everyday work lives, there is a concern that it might make some roles redundant. However, generative AI actually frees up more time for employees, allowing them to focus on creative and strategic tasks. This can empower them to achieve new levels of innovation and excellence in their work. We can see the significant impact generative AI has had at Experian by the innovative products and solutions we've developed over the years. Take, for example, Experian Assistant, a generative AI-driven solution designed to dramatically accelerate data modeling lifecycles, reducing model development time from months to days, and sometimes mere hours. This advancement enables faster, more efficient data analytics and insights. Additionally, our Innovation Lab, which recently celebrated 15 years of driving technological transformation, continues to leverage data and AI-driven solutions to push the boundaries of what's possible. As we continue to navigate the evolving landscape of generative AI, it's clear that the journey is just beginning. At Experian, we remain committed to championing a culture of collaboration and fostering innovation in order to pioneer new AI-powered solutions that create opportunities that drive transformative change.

We can unequivocally say artificial intelligence (AI) is single-handedly transforming industries right in front of our eyes. From improving fraud detection to developing AI-powered chatbots to manage customer inquiries, AI is reshaping how businesses innovate and operate. As we navigate the rapidly evolving landscape of AI, businesses across the spectrum have to continue balancing innovation with ensuring the technology is used in a responsible and ethical manner. At Experian, we believe the dual focus not only drives our technological advancements forward but reinforces our commitment to helping provide fair and transparent outcomes for consumers. We recognize the power of AI lies in its ability to transform data into actionable insights, empowering businesses to make more informed decisions, enhance customer experiences and improve operational efficiencies. For instance, we recently launched the Experian Assistant, which is part of the Experian Ascend Platform™. This agentic AI tool leverages natural language inputs to help reduce the time it takes to develop complex analytical models and solve for multifaceted use cases. In addition, the tool allows financial institutions to explore vast datasets and deliver more value to customers.  However, with great power comes great responsibility. As we continue to harness the technology and unlock the full potential of AI, we are committed to understanding and defining the right frameworks for responsible innovation and the ethical use of AI solutions.  Our approach to the responsible use of AI allows us to get ahead of the potential risks instead of responding and reacting. Experian’s governance frameworks on the use of AI are built on intentional and deliberate choices about our policies and principles; it empowers us to innovate, as well as build trust with our clients, consumers and the broader community.  We believe that ethical AI use is a fundamental aspect of our corporate responsibility. In addition to our internal governance, we actively collaborate with our clients and other industry leaders to help shape the future of AI. Actively engaging with industry stakeholders allows to us to contribute to the standards that help promote transparency, fairness and accountability. While we are excited about the potential of AI and its ability to transform the financial services industry and beyond, we are steadfast in our commitment to its responsible use. To realize the full promise of AI, all stakeholders need to be a force for positive change. Related Posts

In some instances, the ways in which lenders make decisions is not unlike looking through a keyhole. From this vantage point, there is some information, but it isn’t the whole picture. Lenders are often making decisions on a subset of information about a consumer. And for millions of people in America, including those who are thin-file or credit-invisible, the amount of information available is limited.   Our goal is to help our clients gain a more representative understanding of consumers to better inform their decisions and ultimately better serve consumers.   Credit reports and traditional credit scores will continue to be an extraordinarily important part of the process, but we’re continually asking ourselves: how we can leverage our unique vantage point to help our clients obtain a more complete picture to create new opportunities for consumers?   One proven way we can achieve this is by helping financial services companies more easily leverage consumers’ banking and transaction information through open banking. This information can advance financial inclusion by providing a more comprehensive and accurate view of a consumer while giving consumers greater control of their data. And our research shows most consumers are onboard, with 71% stating they’re willing to provide this information if it increases their likelihood of qualifying for credit.1 Introducing Cashflow Score  Today, we’ve unlocked an exciting milestone in making the use of this information more accessible with the launch of Cashflow Score. This is the latest in a short list of products that can be used to make lending decisions, leveraging consumer-permissioned transaction information to more accurately assess risk, particularly for credit invisible or un-scorable consumers who have a bank account.  The score provides lenders with a clearer view of an applicant’s financial behavior, including income, expenses, cash reserves, and more, to enhance risk assessments with up to 25% lift in predictive performance.2 Our solution can easily integrate into lenders’ existing workflows in conjunction with traditional credit scores for credit decisions.   This means lenders can now leverage Cashflow Score in first and second chance credit decisions to assess applicants with limited or nonexistent credit histories, using only bank account data.    The future of financial inclusion  Open banking and transaction data can help create a future where we can help bring financial power to all.    As the only financial services company offering both traditional scores and cashflow-based scoring solutions developed in-house, we are uniquely positioned to connect credit outcomes with transaction data. And we’re just scratching the surface with solutions like Cashflow Score.   As we continue to innovate and embrace the possibilities of open banking, I am optimistic about what lies ahead and how we can expand the keyhole even further.   Together, we can create a more inclusive financial system where everyone has the opportunity to thrive.  [1]  Experian commissioned Atomik Research to conduct an online survey of 2,005 adults throughout the United States. The makeup of the sample is representative of the U.S. population based on national census data regarding demographic variables such as gender, age and geographical regions. The margin of error for the overall sample is +/- 2 percentage points with a confidence level of 95 percent. Fieldwork took place between March 17 and March 21, 2024. [2]  Based on Experian analysis when Cashflow Score is compared to conventional credit scores, tailored to targeted risk tiers. Predictability based on KS. Related Posts

Experian’s groundbreaking agentic AI-powered tool, Experian Assistant, has earned the prestigious 2025 FinTech Breakthrough Award for Analytics Innovation. This recognition comes on the heels of the product solution winning the BIG Innovation Award. These awards underscore Experian’s commitment to pushing the boundaries of innovation by helping our customers achieve success. 24/7 Data Expert Integrated with the Experian Ascend Platform™, Experian Assistant functions as a 24/7 data expert, enabling financial institutions to optimize their credit and fraud models with ease. Using natural language processing (NLP), the virtual assistant guides users providing insights, recommendations and coding assistance. The impact is transformative: Experian Assistant cuts model-development timelines from months to just days—and even hours in some cases. By helping users analyze credit and fraud data, adjust model attributes and streamline workflows, it empowers organizations to innovate faster and make data-driven decisions with confidence. Powered by agentic AI technology, Experian Assistant reimagines how data scientists and analysts approach their work. It accelerates insights, fosters collaboration and empowers businesses to deliver exceptional customer experiences while reducing the time and resources needed to bring new initiatives to market. Driving Results While tailored for financial services, Experian Assistant’s capabilities extend across industries. Customers can leverage it for data exploration, model deployment, performance monitoring and faster time-to-market for new offerings. With Experian Assistant, users gain a powerful edge in scoring more consumers, optimizing processes and enhancing overall customer satisfaction. Commitment to Customers  Experian received this prestigious award that recognizes those “who are dedicated to reshaping the FinTech industry through innovative technologies.”  This accolade continues to build Experian Assistant’s position as a game-changing solution for Experian’s customers in financial services and beyond. Related Posts