Increasing efficiency and funding rates with automated decisioning

Global Insights 2026 explores how financial institutions are shifting from rapid AI adoption to accountable, connected intelligence. As fraud grows more sophisticated and risk functions converge, success depends on governed data, orchestrated ecosystems, and explainable decisions at scale.

• Accountable AI with measurable ROI and governance
  
• Layered fraud and continuous identity verification
  
• Unified credit, fraud, and compliance intelligence

Discover how Experian’s Score Choice Bundle can empower lenders with modern data and transparent pricing:

• Access VantageScore 4.0 and FICO® 2 in every transaction
• Gain deeper insight using expanded, modern consumer data
• Simplify workflows with predictable pricing and bundled scoring
• Support broader access to homeownership with faster model adoption

This summary outlines important research findings that help lenders drive a more inclusive environment for customers, while mitigating risk.

A few takeaways:

• Understanding the profiles of who’s more prone to exclusion informs risk management.
• Machine learning techniques can also be deployed to help detect economic interaction effects or shifts.
• Attributes like education level, occupation or rent/utilities payment history have predictive power in credit outcomes.

Read the latest findings about "Closing the credit gap" white paper, and what they mean for financial inclusion and risk management.

Key insights:

• Income and credit trends reveal significant disparities that impact access to financial products.
• Demographic shifts across gender, household structures, ethnicities, and generations are reshaping borrower profiles.
• Lenders who adapt their strategies and product offerings can expand their customer base, reduce default rates, and lead in inclusive finance.