World

We all have a role to play in protecting our planet. At Experian, we believe that when businesses lead with purpose, we can drive meaningful change—together. That’s why we’re proud to share we’ve earned a trio of honors reflecting our commitment to reducing our environmental impact and building a more sustainable future: the Financial Times Europe’s Climate Leaders 2025, Newsweek’s World’s Greenest Companies 2025 and TIME World’s Most Sustainable Companies 2025 lists. These recognitions reflect our commitment to reducing our environmental impact and building a more sustainable future. Since 2019, we’ve reduced our Scope 1 and 2 emissions by 82%, meaning, those we generate directly such as fuel we burn on-site or in company vehicles, and energy we purchase to power our operations. Since 2024, we cut emissions by 30% and 87% of our electricity comes from renewable sources. We’re also making progress across indirect sources of emissions: 32% of our suppliers now have science-based targets in place, with another 13% committed to reducing their emissions. Our method of gathering data about suppliers is best in class; we use a hybrid approach that combines spend data with data gathered directly from suppliers to calculate our emissions from purchased goods and services. This is our second year appearing on the TIME list. The Financial Times list highlights companies making the greatest strides in emissions intensity reduction, while Newsweek’s global ranking—based on over 25 environmental metrics—recognizes leadership in emissions, water, waste, and transparency. We’ve set ambitious, science-based targets because we believe in accountability, transparency, and the power of collective action. By focusing on these priorities, we grow our customers, our partnerships and our revenue. That is doing well by doing good and making our business resilient for generations to come.

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.

With great pride, we are pleased to share that Disability:IN has recognized Experian as a Best Place to Work for Disability Inclusion in three global regions. The company earned Top Scores in the Disability Index® in the United States for the fourth consecutive year; the United Kingdom for the second year; and, for the first time, in Brazil. The Disability Index is the world’s most comprehensive benchmarking tool for companies to measure disability workplace inclusion inside their organization and to assess performance across industry sectors. Across the globe, one in six people – or 16% of the population – identify as part of the disability community. At some point in our lives, we or someone we know will be part of this community. Experian’s Barrier Free Workplace Initiative facilitates an inclusive culture across our regions. As an example, our new office in Brazil features tactile and warning flooring, Braille identification, and equipment designed to accommodate all. In India, we've built in accessibility with wheelchair-friendly design, lifts, Braille signage, and quiet zones to support neurodiverse colleagues. The Experian Support Hub empowers disabled people and those with access needs in the United Kingdom to share their requirements with lots of organisations in one simple process, helping them get the support they need. In the U.S., our teammates participated in the Disability:IN annual conference, learning and sharing best practices for inclusion and accessibility. Being recognized as a Best Place to Work for Disability Inclusion represents our ongoing commitment to accessibility, and promoting spaces where each person feels valued and has opportunities to grow and thrive. Learn more in our 2025 Power of YOU Reports: English  |  Portuguese  |  Spanish

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.

Every day, people make responsible financial choices, including paying rent, managing bills and saving for the future. These choices are reflected in a consumer’s bank account, but in many cases, this information isn’t factored into lending decisions. If it were, these insights could help millions of consumers with limited credit histories, including those who are just starting out, new to the country or rebuilding after a setback, gain access to fair and affordable credit.   We have long recognized this gap and it’s our mission at Experian to help close it. This is why we’ve championed the use of expanded data sets, including cashflow insights, to help bring more consumers into the mainstream credit ecosystem.   As part of this, today we’ve reached an exciting milestone as we announce a new collaboration and integration with Plaid, a leading financial data network that’s used by one in two U.S. bank account holders. Together, we’re helping lenders leverage cashflow insights with speed and simplicity to assess risk more effectively and deliver better outcomes for consumers.  Through our new integration, we’re helping our clients accelerate the adoption of cashflow insights alongside our trusted, core credit data to drive faster decisions, stronger portfolios, and new financial opportunities for consumers.   Why this matters  Put yourself in the shoes of a young adult who just graduated from college and landed their first job. They’re responsible with their money, pay rent and utilities on time, and have started saving. But when they apply for their first credit card, they’re denied — not because they’re a risk, but because they don’t have enough credit history to show they’re not.   With this new integration, this consumer’s story, and countless others like it, can have a different ending.   When this consumer consents to share their bank account data during an application for a credit card, personal loan, auto loan, or other credit product, Plaid generates a Consumer Report on their behalf and securely delivers that information to Experian via a seamless integration. We analyze the information and return a Cashflow Score or predictive Cashflow Attributes, which can provide up to a 25% lift in predictive performance, to the lender in real time.   This information gives our clients a clearer, more accurate view of the applicant’s financial behavior, ultimately giving millions of consumers who are excluded from the mainstream financial ecosystem a fair shot at the credit they deserve.   Looking ahead  This collaboration is about giving consumers more control over their financial futures. It’s about helping lenders make smarter decisions. And it’s about building a system that works better for everyone.  By working with Plaid, we’re not just improving credit decisions. We’re expanding what’s possible for millions of people.  Learn more about our work with Plaid.

A recent commissioned independent study by Forrester Consulting on behalf of Experian reveals that the Experian Ascend Platform™ delivered a significant 183% return on investment (ROI) and achieved payback within 12 months for a composite organization representative of interviewed customers. The Total Economic Impact™ study highlights the platform's transformative impact on credit and fraud decisioning, providing a clear financial framework for institutions evaluating next-gen data and analytics solutions. Before implementing Ascend, many institutions relied on fragmented, manual-heavy systems that slowed decisions and increased fraud risk. After adopting the platform, customers reported streamlined operations, faster response times, improved data quality, and reduced default costs. Hosted in a secure hybrid-cloud environment, the Ascend Platform equips institutions with advanced analytics and real-time decisioning capabilities across the credit lifecycle. It empowers lenders to adapt quickly to changing market conditions while improving both compliance and customer experience. Additional benefits cited by users include reduced risk at origination, better audit outcomes, and sustainability gains through less physical documentation. The study compiled insights from decision-makers across the U.S., U.K., Brazil, and South Africa-painting a global picture of how Ascend enables smarter decisions, greater efficiency, and measurable business growth. Learn more about the impact of the Experian Ascend Platform.

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.