Innovation

I’m often asked what drives innovation at a company like ours. People might expect the answer to be technology, data or artificial intelligence. While there’s no question these things matter, I believe innovation often starts with something much simpler: listening. Several years ago, our clients came to us expressing frustration. As verification became increasingly important across mortgage lending, tenant screening, financial services and employment screening, they felt constrained by legacy solutions and limited trustworthy alternatives and wanted our help. We also saw this as an opportunity to help broaden financial access for consumers by creating a more modern, complete picture of their financial health. We recognized the road ahead would not be easy, but few things worth pursuing are. In 2021, we responded to this market demand by launching Experian Verify, designed from day one to give the industry a secure, automated alternative to verify income and employment in real time. Today, that journey reaches an important new milestone as we announce a new integration with Workday, the enterprise AI platform for HR, finance and IT. By partnering with Workday, we’re significantly expanding the real-time income and employment information that can be accessed through Experian Verify™. The integration comes as we continue to expand the Experian Verify network through a combination of payroll provider integrations and employer-direct connections, with a path to more than 80 million records, representing over half of U.S. payroll employees.[1] Why does this matter? There are moments when speed and simplicity matter more than others. Right now, across mortgage lending, tenant screening, financial services and employment screening, organizations continue to navigate affordability challenges, evolving market conditions and increasing pressure to deliver faster, more efficient experiences for consumers. At the same time, behind every verification request is a person trying to move forward. Buying a home. Financing a car. Leasing an apartment. Starting a new job. Every request for documentation or manual verification process creates friction during some of life's biggest financial moments. By expanding access to real-time income and employment data, millions more consumers can move through these moments with less paperwork, faster decisions and a better overall experience. Not only that, when verified income and employment information is available instantly, businesses can reduce reliance on manual verification processes that often require additional documentation, slow down HR teams and delay approvals. Ultimately, it means the system can move better, faster and smarter. For everyone. Created a more connected verification ecosystem This collaboration with Workday also shows what's possible when organizations are willing to challenge conventions and work together to solve problems in new ways. By integrating with Experian Verify, Workday customers will gain greater choice and flexibility in how they fulfill employment and income verification requests. There is tremendous opportunity to continue expanding access to trusted verification data to simplify experiences for consumers and businesses and create even more choice across our industry. Workday's commitment to helping create a more connected verification ecosystem is something I deeply admire, and I hope this milestone encourages others across our industry to think similarly. Meaningful progress happens when organizations listen, challenge conventions and build together. As we said when we launched Experian Verify, we entered this space with a long-term commitment to employers and the broader verification ecosystem. We knew meaningful change wouldn't happen overnight. We’ve made significant progress, and while the journey is far from over, each milestone reinforces our commitment to building partnerships that expand choice, improve access, and deliver greater innovation to the market. To learn more about our new integration with Workday please visit: https://www.experianplc.com/newsroom/workday [1] According to the U.S. Bureau of Labor Statistics, total nonfarm payroll employment was approximately 159.1 million in August 2026: https://www.bls.gov/news.release/empsit.t17.htm

When consumers apply for credit, lenders want to make the most informed decision possible. And consumers want to know they’re being considered based on a more complete financial picture that reflects where they are today.   Credit data is foundational to lending decisions, providing a proven view of how consumers have managed credit over time. But we know credit data doesn’t tell the full story for everyone, and millions of consumers face challenges accessing credit.   According to recent research from the Federal Reserve Bank of New York[1],  nearly one in five consumers lacks access to mainstream credit or has damaged credit. Our own research shows 60% of consumers who’ve previously been denied credit or received less favorable terms than expected believe the outcome would’ve been different if lenders had considered their recent income and banking activity alongside their credit history.[2] Consumer-permissioned cash flow data can complement credit information with a more current view of income, expenses and financial activity. These insights can help businesses better understand consumers and approve up to 30% more applicants on average – without adjusting their risk tolerance.   But what about before a consumer applies for a financial product?  Cash flow insights can create value at many points across the consumer journey, including helping people find financial products that fit their needs and financial circumstances.  Putting cash flow insights to work earlier in the journey  We have direct relationships with more than 90 million members who come to Experian for tools and resources to help improve their financial health. As part of that experience, our members have access to Experian Marketplace, a leading consumer comparison-shopping platform for credit cards[3], personal loans[4] and auto insurance[5].  Now, we’re bringing cash flow insights directly into that experience.  With our Marketplace platform Activate, we’re bringing together credit data, advanced analytics, AI and consumer-permissioned financial information to help create more personalized offer matching so consumers can receive more offers they are qualified for that could meet their needs.  For consumers who choose to connect their bank accounts, participating lenders can incorporate our Cashflow Attributes into decisions alongside traditional credit information. This can help lenders identify consumers who may be a good fit for their products while helping consumers discover offers that better reflect where they are today.  This is an important step in how we think about the potential of cash flow data. Its value doesn’t begin and end with underwriting decisions. From helping consumers find relevant financial products to giving lenders additional information to make more informed decisions, cash flow insights can help create a more connected experience.  And Experian is uniquely positioned to bring those pieces together.   Millions of consumers trust us to help them understand and improve their financial health, while businesses rely on our data, analytics and technology to make important decisions every day. Connecting those two sides of the financial ecosystem gives us an opportunity to put cash flow insights to work in ways that can benefit both.  Building what’s next   At Experian, we’re continuing to invest in ways to make cash flow insights more actionable for businesses and more valuable for consumers. That includes expanding how we use consumer-permissioned data, developing new cash flow capabilities and finding more ways to bring these insights into the experiences where financial decisions are being made.  Ultimately, this is about helping businesses see more of the consumer and helping consumers get recognized for more of their financial story.   As we continue to expand where and how cash flow insights are used, we see significant opportunity to create more informed decisions for businesses and more relevant experiences for consumers. [1] https://www.newyorkfed.org/medialibrary/media/images/v5/library/community-development/household-financial-stability/2026/the-market-for-credit-building-demand-product-characteristics-and-consumer-uses [2] Methodology: Experian commissioned Atomik Research to conduct an online survey of 2,000 adults age 18+ in the United States. The margin of error for the overall sample is +/- 2.2 percentage points with a confidence level of 95 percent. Fieldwork took place between July 16 and July 21, 2026. [3] Results will vary. Based on FICO® Score 8 model. Offers and approvals not guaranteed. Eligibility requirements and terms apply. Application is subject to a credit check, which may impact your credit scores. Offers not available in all states. See experian.com for details. [4] Results will vary. Based on FICO® Score 8 model. Offers and approval not guaranteed. Eligibility requirements and terms apply. Application is subject to a credit check which may impact your credit scores. Offers not available in all states. Marketplace Licenses and Disclosures. [5] Results will vary and some may not see savings.

As financial institutions continue to expand their use of artificial intelligence across lending and risk operations, strong model governance has become just as important as building the models themselves. We are therefore proud to be recognized by Chartis Research as the winner in the Model Risk Management Environment category in its STORM Quantitative Analytics50 2026 report. This recognition highlights our commitment to helping financial institutions accelerate AI innovation while strengthening transparency, accountability and regulatory compliance. According to Vijay Mehta, Chief AI Officer at Experian, governing AI with the same level of rigor used to build it is becoming increasingly important as organizations move AI into production. “Financial institutions need to scale AI without sacrificing transparency, accountability or regulatory compliance,” said Mehta. “Our vision is to provide an integrated agentic platform that enables organizations to operationalize trusted AI with confidence, helping them move from building models to deploying trusted AI at enterprise scale.” The recognition reflects our approach to model risk management through the Experian Ascend Platform™, which helps organizations govern analytical and AI models from development through deployment and ongoing monitoring. The platform brings together trusted data, feature engineering, model operations, decision-making and risk analytics with such capabilities as model registry, automated validation, explainability, fairness testing, drift detection and audit-ready documentation. Together, these capabilities help organizations adopt AI while maintaining transparency, traceability and regulatory oversight. The recognition comes as AI adoption continues to grow across financial services. According to Experian research, 60% of respondents say they are moving toward architectures that enable AI agents and systems to work seamlessly across tools and data sources, while 86% say transparency in analytics and insights is highly valuable for improving decision-making. Chartis also recognized the strength of the Experian Ascend Platform™. “Experian’s strong showing in our STORM Quantitative Analytics50 ranking, and its Model Risk Management Environment solution award, reflect the strength of Ascend, its advanced analytics development and management environment,” said Sid Dash, Chief Researcher at Chartis. As organizations move from AI experimentation to enterprise scale, this recognition reinforces Experian’s continued investment in helping financial institutions build trusted AI with the governance, transparency and oversight needed to make confident analytical decisions.

Experian delivered a record FY26, with revenue from ongoing activities up 13% at actual exchange rates and 8% organically to US$8.4 billion. Q4 organic growth reached 9%, highlighting strong momentum and consistent execution across the business. Nearly US$2 billion of revenue came from new and scaling products, supported by innovation, new B2B wins and a free membership base of more than 215 million. Experian is extending its AI leadership through the Ascend Platform, the ServiceNow partnership, Experian Agent Trust and new consumer experiences on ChatGPT and Snapchat. We delivered a record FY26, at the top end of guidance, with revenue from ongoing activities rising 13% at actual exchange rates and 8% organically to US$8.4 billion. Organic growth was at 9% in Q4, further demonstrating the momentum in the business. These results reflect more than strong execution. They show the power of our strategy, the trust placed in our data and decisioning capabilities, and the central role we are playing as businesses and consumers embrace AI to move with greater speed, confidence and impact. Read more here. Across our business, we are building momentum by combining innovation at scale with deep client relationships and understanding of their needs. In FY26, we won new B2B clients, strengthened strategic relationships and expanded our free membership base to more than 215 million. This supported the US$2 billion in revenue (nearly ¼ of our total revenue) from new and scaling products, reflecting the strength of our innovation engine and our ability to turn new ideas into meaningful growth. Our global platforms are helping define what comes next. By introducing agentic workflows within Ascend that bring together AI, data, analytics and decisioning, we are enabling clients to automate complex processes in ways that are more intelligent, trusted and scalable. Our multi-year partnership with ServiceNow is another example of how we are extending that impact across the enterprise. We are also helping shape the trust layer for agentic commerce through Experian Agent Trust, a new framework designed to verify identity, intent and authorisation in AI-driven transactions. We are also reimagining how consumers access trusted financial information in an AI-first world. In North America, we launched our Insurance Marketplace app on ChatGPT and integrated into Snapchat’s AI Sponsored Snaps offering, bringing AI-powered credit and personal finance information to new audiences at scale. In the UK and Ireland, we introduced the UK’s first credit score app on ChatGPT, while in Brazil we embedded our financial education content into conversational AI experiences. Looking ahead, we see significant opportunities. Demand for trusted data, identity, verification and decisioning is growing as organisations look to scale AI responsibly, and we are uniquely positioned to help them do so. Read our full financial statement here.

Unlocking scalable, agentic commerce through Experian’s trusted data and identity leadership Soon, you won’t be the one making the purchase. Your AI will. And it won’t just assist. It will act on your behalf. We are entering a new phase of commerce where AI agents evaluate options, make decisions and complete transactions for consumers. This shift challenges a fundamental assumption commerce has always relied on: that a human is behind every transaction. If an AI initiates a transaction, how does a business know it can trust it? A new model of commerce needs a new model of trust With the advent of agentic transactions, interactions between businesses and consumers are changing. AI agents are acting on consumers’ behalf, and the signals that establish trust, identity, intent and authorization are becoming harder for businesses to verify. Without a clear connection between people and the AI acting for them, agentic commerce introduces new risks: fraud, misrepresentation and unauthorized transactions. What is needed is a new trust model for commerce. One that verifies the individual, the agent and the intent behind every action. Building the trust layer for agentic commerce Experian Agent Trust™ is designed to address this challenge. It brings identity, and accountability into AI driven transactions, giving businesses the confidence to engage in this new model of commerce. Experian is uniquely positioned to lead in this space. Today, our identity verification and fraud detection solutions help clients avoid an estimated 15 to 19 billion dollars in fraud losses each year. Experian Agent Trust extends that foundation to a world where AI agents initiate transactions. Agentic commerce will not scale without trust. Knowing there is a verified person associated with the autonomous shopping agents will be critical to building this trust. At the center of this approach is Human-to-Agent Binding. Human-to-Agent Binding creates a secure link between a verified consumer, their device and the AI agent acting on their behalf. Each agentic transaction can be traced back to the human who initiated the transaction. This capability is part of a broader Know Your Agent framework that extends identity verification into the age of AI. Trust is built across the ecosystem Establishing trust in agent driven commerce requires coordination across the ecosystem. The emerging standards and frameworks put forth by agentic commerce ecosystem contributors including Visa, Cloudflare and Skyfire form a layered trust framework that connects identity, payments and network validation, creating a secure path from intent to transaction. Consider a simple interaction that is quickly becoming possible in agent-driven commerce. A consumer might ask their AI agent to find the best noise-cancelling headset for an upcoming trip. The agent evaluates options based on preferences, selects a recommendation, for example a set of Bose headphones, and prepares the transaction for approval. Once authorized, Human-to-Agent Binding confirms the agent is acting on behalf of a verified individual, every step of the journey. The experience remains simple and convenient for the consumer. At the same time, the business has confidence that the transaction is being made by a verified consumer. As AI agents take on a greater role in commerce, accountability becomes essential. Experian Agent Trust includes an Agent Trust Token that provides a real time signal of identity, consent and fraud risk, supported by an Agent Registry that continuously evaluates behavior over time. The framework is platform agnostic and designed to integrate with existing systems, allowing businesses to scale trusted interactions without disruption. Defining the next era of commerce AI agents will reshape how consumers and businesses interact. They will unlock new levels of convenience and personalization, while also introducing new complexity. The organizations that succeed will be those that can establish trust across every interaction, including those initiated by AI. Experian Agent Trust represents a foundational step in defining the trust layer for agentic commerce, extending Experian’s leadership in identity verification and fraud prevention into this next era. Because agentic commerce is not just an evolution of digital commerce. It is a new system. And every system needs a foundation. Experian is helping build the trust layer that makes agentic commerce possible.

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