What traditional models miss about today's borrowers

Bayesian Optimization offers a more efficient way to tune machine learning models at scale. This white paper presents a controlled comparison with Grid Search using production credit-risk data to measure runtime and model performance.

• Up to 80× faster hyperparameter tuning
• No loss in CV or holdout AUC
• Evidence from LightGBM credit-risk models
• Guidance for governed ML environments

Winning new customers is challenging but retaining them and growing their value is even harder.

In this exclusive webinar, America First Credit Union’s Kymrie Turner sits down with Experian’s Mark Soffietti to explore how leading institutions can leverage differentiated data to drive long-term customer value.

You’ll learn about:

• Five key challenges financial institutions face in account management and customer retention
• Risk-focused actions to help protect your institution and your customers
• How America First Credit Union approaches portfolio segmentation, forecasting, and credit limit optimization to strengthen member relationships

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