Innovation

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. 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.

We’re excited to share that Experian has been honored with Datos Insights’ 2025 Impact Award for Best First-Party Fraud Innovation, earning Silver Medalist recognition for our First-Party Fraud Scores. This award isn’t just about technology, it’s about protecting people, businesses, and the trust that connects them. Rethinking How We Detect Fraud Fraud today doesn’t always look like the stereotypes we imagine. Sometimes it comes from individuals who apply for credit with no intention of paying it back. That’s where Experian’s First-Party Fraud Scores make a difference. Unlike traditional credit tools that mostly look at repayment history, our models dig deeper into intent. By combining credit and non-credit data with advanced machine learning, lenders can spot risks in real time, stopping fraudulent applications before they turn into financial losses. As Jim Mortensen of Datos Insights explains, “By analyzing patterns across multiple institutions and industries, the solution can identify fraud schemes that would otherwise go undetected.” That broader visibility is key to staying ahead of fast-evolving threats. Why This Matters At Experian, innovation is never just about technology. It’s about trust. It’s about helping people, keeping businesses strong, and protecting the integrity of the financial system we all rely on. We’re honored by this recognition from Datos Insights, but even more motivated to keep raising the bar in fraud prevention for our clients, for consumers, and for the future of financial confidence.

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.

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.