Innovation

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.

We’re starting the year strong by reaffirming our promise to empower consumers on their financial journeys. At Experian, everything we do is driven by our mission to bring Financial Power to All™—helping people not only understand where they stand but confidently move forward. That’s why I’m pleased to introduce the new high-yield Experian Smart Money™ Digital Savings Account[1], designed to make saving effortless, accessible, and more meaningful than ever before. This new offering is more than just a savings account—it represents an important evolution in how Experian supports financial progress. For years, we’ve helped tens of millions of consumers monitor their credit, improve their credit scores, and protect their identities. Now, by adding a high-yield digital savings account to our existing suite of financial health tools, we’re able to anchor that progress to something tangible: real balances and real momentum. With the ability to save built directly into the Experian ecosystem, members can track their savings growth alongside credit improvements, creating a clearer picture of their overall financial health. Positive financial behaviors—like paying down debt, making on-time payments, or improving utilization—can now be experienced in parallel with cash accumulation and stronger financial resilience, all in one trusted place. The Experian Smart Money™ Digital Savings Account offers up to 4.00% variable Annual Percentage Yield[2] (APY), which is nearly 10 times the national average savings rate[3], with no minimum balance or direct deposit requirement. It’s seamlessly integrated into the Experian membership experience, making it easier for consumers to take action the moment insight appears. This launch builds on the success of our Experian Smart Money™ Digital Checking Account & Debit Card introduced in 2023 and reflects our continued commitment to creating products that meet consumers wherever they are on their financial journey. We believe saving is a foundational financial behavior—and one that plays a powerful, often underappreciated role in credit outcomes. Strong credit health isn’t just about borrowing; it’s closely tied to liquidity, cash flow stability, and financial resilience. Having accessible savings can help consumers stay current on bills during income disruptions, build buffers that reduce reliance on higher-cost credit, and create flexibility that can support long-term credit improvement. In this way, a high-yield digital savings account becomes more than a place to store money—it becomes a practical tool for building healthier financial habits. Whether it’s emergency savings, goal-based saving, or smoothing cash flow, an Experian Smart Money Digital Savings Account enables consumers to turn good intentions into consistent action. This launch also reflects our broader evolution beyond a traditional credit bureau. Today, Experian membership provides access to credit monitoring and improvement tools, identity protection, a credit card marketplace, auto insurance comparison shopping, and personalized guidance through our AI-powered virtual assistant, EVA. Adding a high-yield digital savings account allows us to take the next step with our members—bridging the gap between insight and action. Instead of stopping at “here’s where you stand,” Experian can now help consumers actively build positive financial momentum. We’re extending our role as consumers’ BFF—Big Financial Friend—by making it easier to save, plan, and grow within the same ecosystem they already trust. By innovating and delivering products that truly make a difference in people’s everyday financial lives, we’re continuing to advance our mission and help consumers turn knowledge into progress. Learn more at experian.com/smartmoney. [1] The Experian Smart Money™ Debit Card is issued by Community Federal Savings Bank (CFSB), pursuant to a license from Mastercard International. Banking services provided by CFSB, Member FDIC. Experian is a Program Manager, not a bank.  See Experian.com/legal. [2] The Annual Percentage Yield (APY) is 2.00%, 3.00% or 4.00% as of today’s date based on the Experian membership status. The APY may change at any time before or after your account is opened. Changes to the Experian membership can impact the APY, interest rate, and features. The interest rate and APY may be lower during membership trial periods. No minimum deposit to open account. Balance must be at least $0.01 to earn APY. Learn more. [3] As of Dec. 15, 2025, the national average rate for savings accounts was 0.39%, according to the FDIC.

As the AI-enabled speed of data analytics and model development continues to accelerate across financial services, financial institutions face a growing challenge: keeping regulatory documentation aligned with rapid model innovation. Experian Assistant for Model Risk Management was built to address this challenge, and we’re proud it has been named a 2026 BIG Innovation Award winner in the Innovative Products category. The BIG Innovation Awards recognize organizations that deliver exceptional innovation and measurable value to customers and stakeholders. This recognition underscores the impact our AI-powered solution is having in helping financial institutions modernize model risk management in today’s AI-driven environment. Accelerating model validation and reducing regulatory risk Fully integrated into the Experian Ascend Platform™ and powered by ValidMind technology, Experian Assistant for Model Risk Management helps accelerate model validation, improve auditability and reduce regulatory risk. By offering standardized templates, centralized documentation and streamlined workflow approvals, the solution supports regulatory alignment while enabling faster, more consistent model development. As AI-driven models evolve at unprecedented speed, regulatory expectations continue to require thorough, explainable and auditable documentation. Experian Assistant for Model Risk Management addresses this labor- and resource-intensive requirement through end-to-end model documentation automation, helping institutions maintain accountability without slowing innovation. Addressing a growing industry challenge According to a 2025 Experian study of more than 500 global financial institutions, 67% struggle to meet regulatory requirements, 79% report more frequent supervisory communications, and 60% still rely entirely on manual compliance processes. More than 70% of larger institutions say model documentation compliance involves over 50 people. Experian Assistant for Model Risk Management helps solve this challenge by modernizing model documentation and governance practices across the credit and risk lifecycle. The 2026 BIG Innovation Award reinforces Experian’s role as a trusted partner, helping financial institutions confidently adopt AI while improving transparency, auditability and regulatory alignment. Learn more about Experian Assistant for Model Risk Management here.  

Chief Innovation Officer, Kathleen Peters recently spoke on an “AI at Velocity: Securing the Agentic Enterprise” panel at Fortune Brainstorm AI, exploring strategies for designing, deploying, and securing agents to ensure observability and control from day one.  The panel covered a core theme that underscores how to accelerate enterprise adoption of AI agents: promoting trust. The discussion explored different dimensions of trust in AI agents, all of which speak to strengths of Experian. First, Kathleen cited the critical need to know the intent behind an agent, verifying whether it is acting on behalf of a human, another agent, or a bad actor. Also, understanding the permissions that the agent has been given is very important. Here, Experian’s identify protection and fraud prevention solutions play a key role.   Second, trust is built through policy guardrails that enterprises put in place that provide a framework for its network operations across the governance, orchestration, and execution layers. Ensuring proper security of agentic processes becomes the top priority for businesses and consumers who engage with the enterprise. This security is especially important in highly regulated industries, such as financial services and healthcare.  These policy guardrails will serve two purposes: differentiate a brand’s customer experience and eventually become the foundation for industry-wide regulatory standards. These guardrails need to be enforced by a policy engine that should have the capability to remediate or reverse the action of an AI agent if its actions violate any policy.  Experian Ascend Platform’s feature set includes this kind of governance and orchestration of agentic-AI processes to ensure the highest standards of data privacy and protection, and keep our customers safe and secure.  The panel closed with a look-ahead to 2026 and beyond. Kathleen emphasized that agents will quickly move beyond automation of human tasks into new areas where they will “talk” to each other and even spawn new agents. In this fast-evolving landscape, building trust through enterprise policy and proper orchestration and governance of AI agents will separate the market winners from the rest.  Watch the virtual event here.

Fraud impacts more than just the bottom line. It affects confidence, relationships, and the sense of security that every business and customer depends on. At Experian, helping to rebuild that trust through data and technology has become part of who we are. That commitment was recently recognized when our Commercial First Party Fraud Score received the Gold Award for Banking Fraud Prevention in Juniper Research’s 2025 Fintech & Payments Awards. First party fraud is one of the most difficult types of financial crime to uncover. It often begins with what looks like a legitimate credit application, only to turn into a default or a “bust out” once credit has been extended. The losses can be significant, but what makes this type of fraud so challenging is how well it hides in plain sight. Our teams developed a new model that uses advanced machine learning and blends consumer and business insights. The Commercial First Party Fraud Score analyzes credit patterns and behavioral data from more than 250 million consumer records. It spots early warning signs that traditional credit models often miss, giving lenders a clearer picture of who they are working with from the start. In testing, the model identified 22 percent more fraudulent applications and 33 percent more high-risk applicants compared with older systems. This improvement helps organizations reduce costs, speed up onboarding, and better serve genuine customers. The recognition from Juniper Research is more than an award. It represents progress toward a safer and more transparent financial system. By combining innovation, data, and purpose, we continue to help businesses make smarter choices and protect the trust that keeps the economy moving. Learn more about the Juniper Research Fintech & Payments Awards here.

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.

Trust begins with knowing who you’re doing business with. In financial services, trust depends on identity verification, protecting people and institutions from fraud while enabling seamless digital experiences. Experian has been named a Leader in the IDC MarketScape: Worldwide Identity Verification in Financial Services 2025 Vendor Assessment (doc #US52985325, September 2025). We believe this recognition reflects years of innovation in data, analytics, and AI to make digital trust simpler and more secure. Rethinking Verification for a Digital World Identity verification has evolved beyond static data checks. Today, it means interpreting signals across systems in real time. Financial institutions must prevent fraud without slowing legitimate customers, and Experian’s Ascend Platform™ helps strike that balance. It unites diverse data sources with intelligent analytics and decisioning tools so organizations can confidently verify identities. “We’re constantly listening to clients and evolving our capabilities, integrating AI, behavioral analytics, and new approaches like ‘know your agent’ to stay ahead of emerging risks,” said Keith Little, President of Experian Software Solutions. From Data to Confidence Experian was recognized for the following strengths: Access to a broad and diverse range of proprietary identity and credit data sources enables multilayered verification across different financial services use cases. The platform incorporates risk-based authentication, progressive onboarding, and behavioral analytics that enable fraud detection with reduced friction. NeuroID integration expands capabilities in behavioral monitoring, including detection of fraud rings and bot behavior during digital onboarding. “Experian demonstrates strength in identity verification by combining broad data assets with scalable workflows,” said Sam Abadir, Research Director for IDC Financial Insights. “This offers financial institutions both the consistency required for compliance and fraud prevention, and the dynamism needed to adapt to evolving customer expectations.” Building the Future of Digital Trust The landscape of identity verification is constantly shifting as regulations tighten and fraud tactics evolve.  We lead by transforming vast data into actionable intelligence that protects people, strengthens businesses, and fosters trust. Experian’s identity verification offering is tackling the challenges of today, but equally important is our commitment to staying ahead of what’s next. To learn more. click here: Financial Services 2025 Vendor Assessment. 

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.