RSS Company News - Experian Corporate website

Thu, 24 Sep 2026 05:51:00 GMT

Costa Mesa, Calif., Sept. 24, 2026 — In a move to broaden the verifications landscape and support faster, more informed decisions, Experian®, a global data and technology company, today announced a new integration with Workday, Inc., the enterprise AI platform for HR, finance, and IT. The integration will significantly expand the real-time income and employment information that can be accessed through Experian Verify™ and provide organizations with greater choice and flexibility to complete their verification needs.

The integration builds on Experian’s broader strategy to expand the Experian Verify network through payroll provider integrations and employer-direct connections. Through this continued expansion, Experian Verify has a path to coverage of more than 80 million records, representing over half of U.S. payroll employees.[1]

During important moments, including applying for a mortgage, auto loan, apartment lease or another financial product, consumers benefit when businesses can verify income and employment information in real time. When that information is available instantly and securely, businesses can reduce reliance on manual verification processes that often require additional documentation, slow down HR teams, delay approvals and create unnecessary friction for consumers.

By integrating with Experian Verify, Workday customers will gain greater choice and flexibility in how they fulfill employment and income verification requests while reducing the administrative burden for HR departments. With decades of experience managing sensitive consumer information and supporting some of the world’s largest organizations, Experian brings the scale, data stewardship and verification expertise employers need to participate with confidence.

At the same time, by increasing the number of records that can be accessed for instant verifications through Experian Verify, employees can move more quickly through important life events by removing the need to manually provide documentation.

“Whether it’s buying a home, purchasing a family vehicle, getting a job or navigating another important financial milestone, behind every verification request is a person trying to move forward,” said Michele Bodda, group president of Experian Verification Solutions, Employer Services and Housing. “Our integration with Workday gives employers another way to support those moments while helping reduce the verification burden on their HR teams. Experian brings decades of experience responsibly managing sensitive consumer information, giving employers a trusted partner and employees a faster, more seamless verification experience.”

The Workday integration represents a significant step in Experian’s strategy to build a more open and comprehensive income and employment verification ecosystem. With the addition of Workday, Experian Verify now offers payroll data from many of the nation’s largest payroll providers in addition to millions of unique records, giving businesses broader coverage and greater choice for instant income and employment verification.

“HR teams shouldn’t have to become paperwork chasers, and employees shouldn't have to put life on hold waiting for a verification to clear,” said Nancy Weitl, vice president, HCM product management at Workday. “Our work with Experian is one more way we're helping take that burden off both sides, so verifications happen quickly and securely.”

Experian Verify has a growing verification ecosystem, combining payroll provider integrations, employer-direct records and consumer-permissioned verification into a single platform. This diversified approach gives organizations broader coverage and greater flexibility to complete their verifications needs.

Workday customers will have the ability to verify income and employment through Experian as part of the newly announced Workday Total Benefits solution in late October.

To learn more, please visit https://www.experian.com/business/products/experian-verify.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and platforms. We also assist millions of people to realize their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

We invest in talented people and new advanced technologies to unlock the power of data and to innovate. A FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 25,200 people across 33 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.

[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

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Wed, 23 Sep 2026 08:56:00 GMT

Key Highlights

First personal finance integration: Experian becomes the first personal finance app integrated with Google Gemini’s Connected App ecosystem, bringing trusted Experian credit insights into conversational AI. Expanding Experian's reach: The collaboration provides a seamless experience for new consumers in the U.S to discover and join Experian at no cost and gives new and existing Experian members another way to connect with the services they know and trust. Personalized credit insights: Consumers who connect with Experian can ask Gemini about their FICO® credit rating and the key factors influencing it. Consumer choice and convenience: Experian’s connected app is consumer-directed, giving users the choice to access their Experian information through Gemini and creating another convenient way to engage with Experian alongside its direct products, services, and experiences it powers for clients.

COSTA MESA, Calif. Sept. 23, 2026 – Today, Experian, the global data and technology company, and Google announced a strategic collaboration that makes Experian the first personal finance app integrated with Google Gemini, expanding Experian's reach to one of the world's largest AI platforms and creating a new way for consumers to discover, access, and engage with Experian through conversational AI.

“Consumers increasingly expect to engage across the experiences and platforms that are part of their everyday lives,” said Jeff Softley, CEO of Experian North America.

“Our collaboration with Google delivers on that expectation, giving our existing members another way to engage with Experian while introducing us to consumers who may be discovering Experian for the first time. By bringing consumer-permissioned Experian credit insights into Gemini, we can help consumers better understand their credit and put their own information to work for them, in addition to the products, services, and experiences we power directly for our clients.”

Consumers in the United States will be able to connect with Experian in Gemini through a consumer-authorized experience and ask questions about their credit. Existing Experian members can connect their accounts, while consumers who discover Experian through Gemini can join Experian at no cost. They can also access their FICO® credit rating and key factors influencing it.

As AI assistants increasingly become part of how people navigate everyday decisions, Experian is extending trusted financial information into an emerging consumer channel while keeping consumers in control of whether their Experian information is connected and used. The collaboration also creates a new point of discovery for Experian, allowing consumers already using Gemini to connect with Experian, where they can access a broader range of financial products, services, and capabilities through the Experian app or website.

Turning Credit Information into Understanding

Consumers can ask Gemini questions about their Experian credit information and receive personalized responses designed to make that information easier to understand.

For example, a user can ask, “@Experian, what’s my credit rating?” and be prompted to connect directly with Experian to receive their credit rating within the Gemini experience. They can also ask about key factors influencing their credit, giving them additional context about where they stand and what may be affecting their credit profile.

Rather than simply viewing static information, consumers can ask questions in a conversational experience that combines Experian’s trusted credit data with Gemini’s AI capabilities to help make credit information easier to understand.

Consumers who want to view their FICO® Score 8[i] will continue to access it directly through the Experian website or app, where they can access a broader range of products, services, and capabilities designed to help them manage their financial lives and find more ways to save time and money.

How It Works

Connecting to Google Gemini’s Connect App ecosystem is designed to be simple, secure, and consumer controlled.

Users sign in to their Google account and open Gemini. From the Personal Intelligence menu, they can navigate to Connected Apps, select Experian, and choose to link and authorize access to their Experian account. Users also have the ability to tag “@Experian” to connect with the Experian app within a chat when asking a credit-related question.

Existing Experian members can authorize access to their Experian account, while consumers who are new to Experian can join at no cost and establish an Experian membership.

After securely authenticating, consumers can ask Gemini questions about their Experian credit information, including their FICO® credit rating and the key factors influencing it. Consumers can manage their connected app settings through Google’s Personal Intelligence settings at any time.

Expanding How Consumers Discover and Access Experian

The collaboration builds on Experian’s long track record of consumer innovation and advances its strategy of giving consumers more ways to engage where they choose.

As consumers increasingly use AI-powered assistants alongside apps, websites, and other digital experiences, Experian is expanding the ways consumers can access and engage with trusted financial information. The Gemini integration gives Experian another way to reach consumers, both existing members and people discovering Experian for the first time, through an AI platform that is increasingly part of consumers' everyday lives.

Gemini becomes another channel in Experian's broader consumer ecosystem, complementing the products and services it provides directly and the experiences it powers for financial institutions and other clients. Together, these experiences give consumers more ways to access Experian information, insights, and capabilities throughout their financial lives.

The companies also plan to build on the collaboration over time, expanding the Experian capabilities consumers can access through Gemini—such as subscription cancellation, which could help consumers save on unwanted subscriptions they currently pay for.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and software. We also assist millions of people to realize their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

Experian and the Experian marks used herein are trademarks or registered trademarks of Experian and its affiliates. Other products and company names mentioned herein are the property of their respective owners.

[i] Credit score calculated based on FICO Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

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Mon, 21 Sep 2026 09:11:00 GMT

Key Highlights:

● Study shows that Patient Access Curator helped prevent downstream billing issues by identifying and correcting coverage and payer information at intake.

● AI-powered coverage intelligence improved claim accuracy through automated coverage identification and payer determination.

● Streamlined patient access workflows reduced administrative burden and supported a better patient financial experience.

COSTA MESA, Calif., September 21, 2026 — Experian Health's Patient Access Curator™, an AI-powered solution designed to help healthcare organizations prevent denials and get claims right from the start, protected $50.4 million in revenue over three years for a modeled composite health system, according to a Forrester Consulting Total Economic Impact™ of Experian Health Patient Access Curator study. Based on insights from five Patient Access Curator clients, the Experian Health-commissioned study found the platform reduced coordination of benefits (COB), eligibility and registration claim denials.

Hospitals spend approximately $18 billion annually attempting to overturn denied claims[1]. The study provides healthcare organizations with a framework to evaluate the potential financial and operational impact of Patient Access Curator on their own organizations. The findings reflect a growing shift among health systems toward preventing denials at registration rather than relying on costly post-claim recovery efforts.

“Healthcare leaders are increasingly recognizing that the greatest opportunity in revenue cycle management is not recovering revenue after the fact, but preventing losses before they occur,” said Mindy Fortson, Chief Operating Officer at Experian Health. “The Forrester study findings demonstrate how earlier coverage intelligence can help health systems protect millions of dollars in revenue, reduce administrative burden and unlock resources that can be reinvested in other priorities.”

Reducing denials accelerates the revenue cycle

Using AI-powered decisioning, Patient Access Curator is designed to automate and streamline decisions made during patient intake, where many downstream revenue cycle issues begin. It automatically validates and curates patient demographics, insurance coverage, coordination of benefits, Medicare Beneficiary Identifier information and related payer data to improve the accuracy of patient and insurance information before claims are created.

By Year 3, other results include an 80% reduction in time spent on insurance discovery activities.

To illustrate the potential impact, consider a 25-person team in which each employee previously devoted 25% of their time to insurance discovery. An 80% reduction could free approximately 10,400 hours annually, or the capacity of five full-time employees. Over three years, that represents approximately $887,000 in workforce capacity that could be redirected to more complex activities, such as resolving high-value claims, preventing denials and improving patient financial experiences.

Additionally, the study found a 45% reduction in outsourced claims and denial management costs by Year 3.

For a health system spending $5 million annually on outsourced services, that could equate to approximately $2.25 million in savings. Meanwhile, automated eligibility and coverage verification drove a 10% productivity lift among front-end staff by Year 3, helping teams work more efficiently while reducing the risk of errors that can create downstream rework.

These savings represent real resources that healthcare organizations can redirect toward patient care and other critical priorities. The model translated these operational and financial improvements into $11.5 million in risk-adjusted, present-value benefits over three years[2], which is equivalent to:

● Approximately one year of wages for 115 registered nurses

● About 115,000 primary-care visits

● Seven new MRI systems

● Approximately 38 fully equipped ambulances

The study also identified $82.2 million in accelerated cash collection, and unquantified benefits including improved employee and patient satisfaction, better collaboration between front- and back-end teams and reduced human error in coverage selection and registration. The study was conducted in August 2026.

To learn more and access the full study, go here.

Methodology

Forrester interviewed five decision-makers at healthcare organizations using Patient Access Curator. For the purposes of the study, Forrester aggregated the interviewees’ experiences and combined the results into a composite U.S.-based integrated health system with $5 billion in annual revenue, 20,000 employees and approximately 700,000 patients served annually.

About Experian Health

At Experian Health, we serve more than 60 percent of U.S. hospitals and more than 5,800 medical practices, labs, pharmacies and other healthcare providers to simplify healthcare with data-driven platforms and insights that help our clients make smarter business decisions, deliver a better bottom line and establish strong patient relationships.

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We invest in talented people and new advanced technologies to unlock the power of data and to innovate. A FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 25,200 people across 33 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.

For more information about Experian Health, visit http://www.experianhealth.com. Learn more about Experian at www.experianplc.com.

[1] American Hospital Association, “Costs of Caring Report: Challenges Facing America’s Hospitals as They Care for Patients in 2026,” March 2026

[2] Quantified benefits included 40% reduction in COB denials, 35% reduction in eligibility denials, 20% reduction in registration denials, 30% increase in self-pay by Year 3, 5% reduction in account receivable days, 80% reduction in time spent on insurance discovery by Year 3, and 45% reduction in claims and denial management costs by Year 3. See report for more details.

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Wed, 16 Sep 2026 11:23:00 GMT

EMEA & APAC – 16 September 2026

Consumers are ready to take the next step in their relationship with artificial intelligence (AI), according to AI in Risk: The Rise of Agentic Commerce new research from data and technology company, Experian, conducted by Forrester Consulting.

The study of 6,247 credit-active consumers across 13 EMEA and Asia Pacific markets, found that more than half (54%) of respondents are comfortable with AI agents applying for credit on their behalf. The findings point to the next stage in the evolution of financial services, where consumers are becoming comfortable allowing AI to move beyond providing information to supporting parts of the lending journey, including comparing lenders, checking eligibility, completing applications and securely submitting authorised documents.

"Consumers are already changing the way they engage with financial services," said Mariana Pinheiro, CEO of Experian EMEA & Asia Pacific. "They are not just experimenting with AI anymore; they are beginning to trust it with more meaningful parts of their financial lives. Our research shows that 82% of the surveyed respondents already trust LLMs to compare loans across providers. For banks and lenders, the question is no longer whether AI will influence the next step of that journey, but how to prepare for it while continuing to earn and protect consumer trust. What began as using LLMs to better understand financial products is already moving towards asking AI agents to help them navigate complex financial journeys.”

Consumers are Embracing AI because it Makes Financial Decisions Easier

Consumers are embracing AI agents because they see practical value, not simply because the technology is new.

The research found that 85% of the survey respondents believe AI agents could help them compare more options than they could manually, while 84% say AI could help them save money by finding better prices or rates. A further 83% believe AI agents could help them avoid missing important details such as hidden fees or contract terms, while 81% believe AI could reduce decision fatigue by handling research and routine tasks on their behalf.

The findings suggest consumers are looking for AI that simplifies complex financial decisions, saves time and helps them make more informed choices.

The research also shows that consumers have different comfort levels when it comes to how much autonomy they would give an AI agent. For credit applications, many still want to retain oversight, while others are open to greater delegation: 23% would allow an agent to act when certain pre-agreed rules are met, while 5% would be comfortable giving it full autonomy.

Trust Will Shape the Next Phase of AI Adoption

While consumers clearly recognise the benefits AI agents can offer, trust remains fundamental to adoption.

Three-quarters (75%) of the respondents said they would feel more comfortable using AI connected to a financial institution they already trust, highlighting the opportunity for banks and lenders to build AI experiences within trusted customer relationships rather than treating AI as a standalone service.

As AI agents become capable of carrying out more tasks on consumers' behalf, financial institutions will need to start preparing systems that support secure interactions between consumer-side AI agents and lender-side platforms. Identity verification, consent management, fraud prevention and explainability will become critical as AI-assisted customer journeys continue to evolve.

Experian is helping financial institutions prepare for this evolution through advanced identity, fraud prevention and decisioning capabilities, including Agent Trust, which enables secure interactions between consumers, AI agents and businesses while helping organisations build trusted AI-assisted financial services.

Key findings

54% of consumers are comfortable with AI agents applying for credit on their behalf. 82% trust AI to compare loans across providers. 85% believe AI agents could help compare more options than they could manually. 84% believe AI agents could help them find better prices or rates. 75% would feel more comfortable using an LLM connected to a financial institution they already trust.

(ENDS)

For further information, please contact:

Yolanda Zondo

Yolanda.Zondo@experian.com

+27 (0) 64 753 7152

Sonia Palchetti

Sonia.Palchetti@experian.com

+39 (0) 3480193652

Methodology

Experian commissioned Forrester Consulting in [July 2026] to survey 6,247 credit-active digitally literate consumers across 13 EMEA and Asia Pacific markets: Australia, China, Denmark, Germany, India, Italy, Malaysia, New Zealand, Norway, Singapore, South Africa, Spain and Turkey. Respondents represented a balanced mix of generations and employment groups and were selected based on recent experience using digital financial services.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and software. We also assist millions of people to realise their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

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Wed, 16 Sep 2026 09:28:00 GMT

London, 16th September, 2026 – Experian today launches Fast Track, a lending innovation designed to transform the pre-approval journey for both consumers and lenders.

Powered by enhanced data insights, including Open Banking and advanced affordability information, Fast Track helps people better understand their likelihood of approval before applying for products such as loans and credit cards.

People can apply with greater confidence that they will be accepted for a pre-approved offer, face fewer additional checks, and avoid the disappointment of receiving a revised offer - or being declined - later in the application process. For lenders, Fast Track helps reduce unnecessary manual reviews, increase application completion rates and minimise applications that are unlikely to be approved.

Previously, people who received a pre-approved marketplace offer for a credit product were still subject to additional affordability and verification checks once they entered the lender’s application journey. This could result in declines, revised offers, requests for further documentation and longer application times.

Fast Track helps address this challenge by analysing a wider range of income, affordability and identity data at an earlier stage. As a result, lenders can complete more verification and affordability checks upfront, giving borrowers more certainty, saving them time and reducing the risk of disappointment later in the process.

Key partner in the project and early adopter, Lendable, has brought Fast Track to its loan customers, and in testing saw significantly fewer people who were told they were pre-approved stopped during final checks, with a 50% reduction in verification issues. Other lenders are already using Fast Track to improve the customer journey.

Edu Castro, Managing Director, Experian Consumer Services UK&I, said: “Consumers want greater certainty when they search for credit, and lenders want to spend less time processing applications which don’t end-up being approved. Fast Track is designed to address both challenges.

“By combining traditional eligibility assessments with richer affordability and Open Banking insights, we're helping consumers access more relevant offers with greater confidence, while enabling lenders to streamline application journeys and improve conversion. It's an important step forward in creating a more efficient lending experience for everyone."

Chris Meurice, Managing Director at Lendable, said: “Lendable was founded to help people get credit and save money, with transparency and accuracy comparing offers the foundations of a better deal.

“We have worked with Experian since 2018 to drive the vast improvement that pre-approved offers brought, but we knew that even more could be done to improve the customer experience. Fast Track is the missing link. It brings a new level of confidence for consumers, using the latest advancements in credit technology to remove last-minute rejections and ensure people pay only what they expect.”

ENDS

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and platforms. We also assist millions of people to realise their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

About Lendable

Lendable is building the world’s best technology to help people get credit and save money.

With an AI trained on a decade of proprietary data, Lendable takes a holistic view of each customer’s finances to expand access to affordable, fast, transparent credit. Through Zable, Lendable’s superapp, the firm delivers personalised insights to millions of customers, making it effortless to apply for credit, refinance existing loans and save more.

Founded in London in 2014 by Martin Kissinger, Victoria van Lennep, and Jakob Schwarz, Lendable is now the UK’s largest issuer of personal loans and a top three issuer of credit cards. With a five-star Trustpilot rating from over 110,000 reviews and a fast-growing US presence, Lendable is powered by a 800-strong team working across London, Kent and Washington DC.

Media contact:

Robert Goodman, Senior Media Relations Manager, Experian UK&I

Tel: +44 7989 398 498 / Email: Robert.Goodman@Experian.com

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Thu, 10 Sep 2026 07:11:00 GMT

Key Highlights

AI-enabled decisioning engine brings real-time lender defined underwriting criteria to Experian Marketplace, its consumer comparison-shopping platform for credit cards, personal loans and auto insurance. First-of-its-kind platform to combine credit data, AI, and consumer-permissioned cash flow insights in one decisioning engine, helping match Experian's 90+ million members to offers they're likely to qualify for. Real-time, in-session consumer-permissioned data gives lenders a better view of a consumer's finances and enables offers that reflect their financial profile. 60% of previously denied or under-offered borrowers believe the outcome would have changed[i] if lenders had factored in recent income and banking activity, underscoring the financial-inclusion stakes of the launch.

COSTA MESA, Calif., Sept. 10, 2026 – As lenders increasingly seek more personalized ways to evaluate consumers and expand access to credit, Experian® has rolled out Experian Activate™, an AI-enabled decisioning engine powering the Experian Marketplace, a leading consumer comparison-shopping platform for credit cards[ii], personal loans[iii] and auto insurance[iv].

Designed to help connect Experian's more than 90 million members with offers they're more likely to qualify for, Experian Activate is the only platform that brings together credit data, advanced analytics, AI capabilities, consumer-permissioned financial information, including cash flow insights, and lender-specific underwriting criteria to power more personalized credit decisioning and offer matching. The platform helps lenders reach qualified consumers more efficiently while helping consumers discover financial products that better match their current needs and financial circumstances.

Experian Activate represents the next evolution of Experian's AI-powered marketplace capabilities, combining real-time decisioning, advanced analytics and consumer-permissioned data to create a more intelligent and personalized lending experience for consumers and lenders alike.

AI-Powered Decisioning for More Personalized Lending

Unlike traditional marketplaces that rely on pre-screened lists or periodically refreshed data, Experian Activate evaluates consumers using real-time information when they are actively shopping for credit. This enables lenders to make more informed decisions and helps consumers receive offers that reflect their current financial situation.

The same real-time credit intelligence that powers Experian Marketplace also extends to third-party experiences such as ChatGPT. As a result, consumers receive relevant financial recommendations across platforms, and lenders can reach qualified borrowers wherever they are searching for financial products.

"Experian Activate brings together the full power of Experian's data, analytics, marketplace reach and AI capabilities to create a more intelligent lending experience," said Rakesh Patel, Executive Vice President, Experian Marketplace at Experian. "We're uniquely positioned to help lenders make better decisions with greater confidence while helping consumers discover financial opportunities that are more personalized and relevant to their needs. It's another example of how Experian is using AI and innovating to create better outcomes across the financial ecosystem."

Expanding Credit Decisions with Cash Flow Insights

As part of the rollout, Experian has expanded the use of cash flow insights by integrating Experian Cashflow Attributes™ into Experian Marketplace. Participating lenders can incorporate consumer-permissioned cash flow data and Experian's proprietary analytics alongside traditional credit information to gain a more complete view of a consumer's financial health and create additional pathways to credit access.

Through a single connection, consumers can securely connect their bank accounts allowing Experian to generate cash flow insights while also strengthening their Experian credit profile through Experian Boost®[v], the one-of-a-kind feature that allows consumers to directly add bill payment history to their Experian credit file. When consumers choose to connect their accounts, cash flow insights can be incorporated into the credit decisioning process during the same session, enabling lenders to evaluate a broader financial picture and potentially present more relevant offers to more consumers, immediately.

"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," said Ashley Knight, Senior Vice President of Product Management, Financial Services and Data at Experian. "By bringing consumer permissioned cash flow insights directly into the Experian Marketplace experience, we're helping lenders extend more competitive offers to more consumers while creating a more seamless experience for people shopping for financial products that best meet their needs."

Accelerating Financial Inclusion Through Data Innovation

The launch of Experian Activate reflects Experian's broader commitment to using AI and responsible data innovation to expand access to financial opportunities and help consumers make more informed financial decisions.

By incorporating cash flow insights and consumer-permissioned financial data alongside traditional credit information, Experian Activate helps lenders evaluate consumers more holistically and identify opportunities that might otherwise be overlooked. The result is a marketplace that helps lenders reach more qualified borrowers while helping consumers discover financial opportunities they may have previously missed.

Research shows consumers see the value of providing financial data, with 60% of consumers who’ve previously been denied credit or received less favorable loan terms than expected believing the outcome would have been different if lenders had considered their recent income and banking activity alongside their credit history[vi].

Together, AI-powered decisioning, real-time data and consumer-permissioned financial insights are helping create a more personalized, accessible and inclusive marketplace for credit.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions and gain deeper insights into the automotive market through our unique combination of data, analytics and platforms. We also help millions of people realize their financial goals and save time and money.

We operate across a range of markets, including financial services, healthcare, automotive, agrifinance, insurance and many other industry segments.

We invest in talented people and advanced technologies to unlock the power of data and drive innovation. A FTSE 100 company listed on the London Stock Exchange (EXPN), Experian employs approximately 25,200 people across 33 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.

[i] 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 - July 21, 2026.

[ii] 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.

[iii] 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.

[iv] Results will vary and some may not see savings.

[v] Results will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®. Learn more.

[vi] 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 - July 21, 2026.

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Thu, 27 Aug 2026 07:17:00 GMT

Key Highlights

Explore relevant credit card offers from Experian's trusted partner network directly within ChatGPT. Compare annual fees, introductory bonuses, rewards rates, introductory APR offers and ongoing APR ranges in seconds. Continue to Experian for credit card offers[i] matched to your Experian credit profile. Supports Experian's vision of making trusted financial marketplaces more accessible through AI.

COSTA MESA, Calif., Aug. 27, 2026 — Experian today announced the launch of the Experian Credit Cards app on ChatGPT, expanding its growing portfolio of AI-powered financial experiences and giving consumers a new way to discover and compare credit card options through a simple conversation.

"Consumers expect financial experiences to be as intuitive as the technology they use every day," said Debbie Hsu, Executive Vice President of Product, Experian Consumer Services. "By bringing our credit card marketplace into ChatGPT, we're making it easier for people to explore their options, compare cards with confidence and take the next step when the time is right. This is another example of how Experian is using AI to create simpler, more helpful financial experiences."

Consumers are increasingly turning to AI to answer financial questions before making important decisions. Whether they are looking for a cash back card, travel rewards, a low introductory APR or no annual fee, the research process often begins with a question. Until recently, finding the right answer typically meant sorting through search results, opening multiple browser tabs and comparing offers across multiple issuers’

websites. Consumer AI chat apps have enabled users to consolidate their search, and with Experian now managing offer detail display within ChatGPT, consumers can access accurate, consistent, and issuer-aligned offer information.

Bringing Credit Card Shopping Into the Conversation

Consumers want to understand which products fit their goals, whether they are building credit, earning travel rewards, reducing interest costs or maximizing everyday purchases.

The Experian Credit Cards app on ChatGPT helps simplify that decision. With only minimal input, consumers can review relevant offers from Experian's trusted partner network and compare the details that matter most, including annual fees, introductory bonuses, rewards rates, introductory APR offers and ongoing APR ranges, where available.

Each offer is presented with clear, consistent information, making it easier to evaluate options before continuing to Experian for offers matching their Experian credit profile. The experience in ChatGPT gives consumers an informed starting point and a faster path to finding a card that meets their needs.

"Our goal is to help consumers find credit card products that align with their financial goals and make those products easy to choose, get and use,” said Michael Coleman, Chief Marketing Officer at Credit One Bank. "Experian's Credit Cards app on ChatGPT creates a new way for consumers to discover and compare card options through a trusted, conversational experience. We're excited to be part of an innovation that helps consumers make more informed decisions before they apply.”

How It Works

Consumers who choose to take the next step can view offers matched to their Experian credit profile. Those who elect to receive offers are securely directed to the Experian website, where they can review eligible credit card offers. Experian members can also view any pre-approved offers[ii] they are qualified for, and cards labeled No Ding Decline™[iii],which won't affect a consumer's credit scores[iv], if they are not initially approved.

Advancing Experian's Consumer AI Strategy

The Experian Credit Cards app marks another step in Experian's strategy to bring trusted financial marketplaces into the AI platforms consumers are already using. From loans to insurance and now credit cards, Experian is building conversational experiences that help consumers move from asking financial questions to evaluating real financial products with greater confidence. By combining trusted marketplaces with AI, Experian is creating a simpler way for consumers to discover opportunities while maintaining transparency and consumer choice throughout the process.

Future enhancements are planned to include more personalized credit card experiences and expanded lender participation, continuing Experian's investment in AI-powered financial services that help consumers make informed financial decisions.

To access the Experian Credit Cards app on ChatGPT, click here.

For more information, visit www.experian.com/credit-cards.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and software. We also assist millions of people to realize their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

Experian and the Experian marks used herein are trademarks or registered trademarks of Experian and its affiliates. Other product and company names mentioned herein are the property of their respective owners.

[i] 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.

[ii] Final approval not guaranteed. Pre-approved means the consumer meets certain credit criteria established by the lender. Additional lender eligibility requirements apply to final approval, including identity, employment, and income verification. Final approval is subject to credit check, which may impact your credit scores. Offers and reward programs subject to lender terms. Offers not available in all states. Based on FICO® Score 8 model. See experian.com for details.

[iii] Applying for cards labeled No Ding Decline™ won’t hurt your credit scores if you aren’t initially approved. Initial approval of your application will result in a hard inquiry, even if you’re unable to pass final verifications, which may impact your credit scores. Results will vary. Credit offers, approvals and reward programs based on FICO® Score 8 model and subject to lender terms. Offers not available in all states.

[iv] Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

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Thu, 27 Aug 2026 07:13:00 GMT

Key Highlights:

Hybrids comprised 16.80% of new vehicle financing in Q2 2026, an increase from 12.99% in Q2 2025. In Q2 2026, hybrids had the lowest average monthly payment for new loans across all fuel types at $646, followed by EVs at $692, and gasoline-powered vehicles at $721. The average refinance rate this quarter was 7.97%, in comparison to a 10.40% average original rate, saving consumers an average of $83 a month.

Schaumburg, Ill., August 27, 2026 — As consumers navigate elevated fuel costs and continued affordability pressures, new Experian Automotive data shows vehicle shoppers increasingly gravitating toward hybrid models. According to Experian’s (LSE: EXPN) State of the Automotive Finance Market Report: Q2 2026, hybrids accounted for 16.80% of new vehicle financing during the quarter, an increase from 12.99% in Q2 2025. Meanwhile, electric vehicle (EV) market share declined from 9.21% to 8.15% over the same period.

“With the EV tax credit expiring last year, hybrids seemingly have become a more attractive option for consumers, particularly for those looking to save some money at the pump,” said Melinda Zabritski, Experian’s head of automotive financial insights. “But we’re also seeing hybrids offer greater financial flexibility, likely driven in part by manufacturer incentives that are making hybrids more cost-effective than in previous years.”

Hybrids carry a lower monthly payment than other vehicle segments

Interestingly, hybrids carried the lowest average monthly payment for both new loans and leases across all fuel types. In Q2 2026, the average monthly payment for a new hybrid vehicle loan was $646, followed by EVs at $692, and gasoline-powered vehicles at $721. For new leases, the average monthly payment for a hybrid was $566, while gasoline-vehicles had a monthly average of $602, and EVs came in at $641.

Meanwhile, from a total market perspective, data from the second quarter of 2026 found the average loan amount for a new vehicle climbed $1,715 year-over-year, reaching $43,610, and the average monthly payment increased $16 to $765 compared to the previous year. However, the average interest rate for a new vehicle dropped to 6.35% this quarter, from 6.79% last year.

On the used side, the average loan amount saw an uptick of $875 year-over-year, coming in at $27,852 in Q2 2026, and the average monthly payment increased to $542 this quarter, from $532 last year. Though, the average interest rate for a used vehicle fell to 11.19%, from 11.57% in the same time frame.

Refinancing continues to be a pathway for consumers

As interest rates continue to decline, consumers are exploring refinancing as a way to lower their monthly payments. In fact, the average refinance rate in Q2 2026 was 7.97%, compared to a 10.40% average original rate, which saved consumers an average of $83 a month.

Notably, credit unions offered the largest average payment savings when refinancing a vehicle, coming in at $102 in Q2 2026. Meanwhile, banks offered an average of $65 and finance companies presented a $38 difference.

“The automotive finance market continues to evolve, and refinancing can give consumers another avenue to alleviate the monthly payment for their vehicle,” Zabritski continued. “By reaching qualified borrowers with competitive finance options, lenders can help consumers save on financing costs while creating opportunities to strengthen customer relationships and build long-term loyalty.”

Additional findings for Q2 2026:

New leasing declined from 24.04% in Q2 2025 to 23.75% in Q2 2026, while new loans increased from 57.45% to 59.57% in the same period. The average payment difference between a new vehicle loan and lease was $148 in Q2 2026. Thirty-day delinquencies increased to 2.39% this quarter, from 2.32% last year and 60-day delinquencies grew to 0.90%, from 0.87% during the same time. Banks continued to lead the total automotive finance market share in Q2 2026 at 27.15%, followed by captives (26.26%), and credit unions (20.38%).

To learn more, watch the entire State of the Automotive Finance Market Report: Q2 2026 presentation on demand.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and platforms. We also assist millions of people to realize their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

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Thu, 20 Aug 2026 07:32:00 GMT

London, 20 August , 2026: For the very first time, UK consumers can now access their personal Experian Credit Score within an AI platform, following a major upgrade to the ChatGPT Experian app announced today.

Consumers are becoming more comfortable with AI to access a wide range of information and services and money management is no exception, with nearly two-thirds (62%) of regular ChatGPT users saying they turn to AI tools for support in helping them reach their financial goals.*

But when seeking information about credit scores, AI platforms can only offer generic, general answers, based on publicly-available sources which may not be accurate. The upgraded Experian app solves that issue, bringing people’s unique 1250 Experian Credit Score to ChatGPT and giving them greater insights into their score history. 

Experian powers the majority of lending decisions in the UK, including 8 in 10 credit card applications, making the Experian Credit Score one of the most important indicators consumers can access when understanding their financial position.

The upgrade marks the first time UK consumers can get secure, authenticated access to their personal credit score inside an AI platform. By connecting their Experian account within ChatGPT, users can:

See their personalised 1250 Experian Credit Score - displayed securely in the Experian widget, in seconds

Understand what makes up their score - a clear breakdown of the information used to calculate a score, helping people better understand what makes up their Experian Credit Score

Track their score history and score band - context on how their score has moved over time, without leaving the conversation

Compare current account offers – a clear comparison table to help customers pick the best current account 

The upgraded app has been developed with security and privacy as a priority. Consumers' credit scores are displayed within Experian's secure, logged-in experience. The solution is designed so that this information is not exposed to, or used by, the AI model when generating responses. For those looking for deeper insights, users will be directed back to Experian’s app and website for their full personalised credit report with tips to improve their score.

This responds directly to what consumers expect. Research found 91% of regular ChatGPT users would find an Experian ChatGPT app helpful, and 86% say they would trust it, with data privacy the single biggest factor in that trust.

In addition, 38% of users aged 18–34 say learning more about personal finance is one of their top financial goals, but this group remains among the least likely to have checked their credit score. 

By embedding personalised score insights into a platform they trust, Experian is making its trusted capabilities available everywhere consumers choose to engage. This expands access to trusted financial education, while creating a pathway to the Experian app where people can take action to better understand and improve their financial health.

Edu Castro, Managing Director of Experian Consumer Services, UK&I, said: “Today we're giving people secure access to their own personalised score, with a clear explanation of what's behind it, inside the AI platform millions already use every day.

“As people increasingly seek money advice on a range of different channels, it’s important the information they get is accurate and genuine. This is fundamental to our strategy of meeting people wherever they choose to engage with us and helping make credit understanding truly accessible, especially for younger consumers who are growing up with AI as their first port of call for financial questions. 

"Experian helps power the majority of lending decisions in the UK, so giving people easier access to their Experian Credit Score helps them better understand one of the key factors lenders use when making decisions."

To get started, users can now download the Experian app from ChatGPT's plug-in page and connect to their account by tagging @Experian and following the secure sign-in flow. New customers can sign up to Experian for free via the App Store or Google Play.

The Experian app in ChatGPT can be found here.

ENDS

Notes to Editor

*Research designed and analysed by Experian. 

Data collection conducted online via the Qualtrics platform between 8th May and 19th May 2026, with respondents recruited through Qualtrics’s research panel network.  

A total of 691 UK adults who actively use ChatGPT and have the ChatGPT mobile app installed on their phone completed the survey. Quotas were applied for age and gender to a sample representative of UK ChatGPT users. 

About Experian 

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and platforms. We also assist millions of people to realise their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

We invest in talented people and new advanced technologies to unlock the power of data and to innovate. A FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 25,200 people across 33 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.

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Wed, 19 Aug 2026 07:28:00 GMT

Costa Mesa, Calif., August 19, 2026 —Experian®, a global data and technology company, today released its 11th annual Identity and Fraud Report, highlighting how artificial intelligence (AI) is transforming the digital economy while simultaneously creating new opportunities for fraud. The findings point to a growing challenge for businesses: building trust in an economy where both people and AI agents are increasingly participating in digital transactions.

The report found 31% of consumers have already used AI tools to shop and transact online, and another 23% would consider doing so. However, confidence drops sharply for higher-stakes decisions with just 21% comfortable relying on AI for completing travel-related purchases and only 17% for financial services decisions. Meanwhile, more than half of people say they’re concerned about AI-enabled scams, underscoring the trust challenges that could shape the next phase of AI adoption.

“AI is transforming digital interactions in ways that are creating both exciting opportunities and new risks,” said Kathleen Peters, Chief Innovation Officer at Experian. “As we move toward a human-not-present era where consumers increasingly rely on AI to help make decisions on their behalf, the organizations that will succeed will be the ones that make trust visible. Establishing identity and trust, whether for a person or an AI agent, is essential to every digital interaction.”

Fraud losses continue to climb

Consumers reported $15.9 billion in fraud losses in 2025, up 27% from the previous year, according to the FTC. The actual losses are likely much higher as many fraud cases go unreported. Experian’s research found that nearly 1 in 5 people suffered personal financial losses from online fraud in the past year, and another 15% say fraud was attempted but prevented. Seventy-two percent of victims say the experience left them feeling more vulnerable online. Phishing scams were the most common consumer fraud incident reported (26%), followed by fake advertising (19%), package delivery scams (16%), credit card theft (16%), unauthorized charges (15%) and fraudulent bank transactions (15%).

Businesses are feeling the impact as well, with 60% reporting fraud losses are somewhat or significantly higher than previous years, and 77% expect fraud management budgets to increase.

AI creates both opportunity and risk

Companies identify AI-generated phishing attacks as their leading AI-related fraud concern (53%), followed by AI-assisted first-party fraud (51%), document forgery (45%), automated bot attacks (40%) and deepfake voice scams (37%).

To combat these threats, businesses are rapidly adopting AI to strengthen defenses. Eighty percent of organizations report using machine learning or generative AI within fraud management environments to help identify suspicious activity, improve identity verification and enhance fraud detection capabilities.

Identity and security remain critical to trust

As digital interactions become more automated, consumers expect both security and convenience. Seventy-one percent say it’s important for businesses to accurately recognize them online, while nearly 50% report greater trust in organizations that can do so without requiring repeated authentication. In addition, 84% say they’re willing to complete additional security steps when needed to prevent fraud.

The findings suggest trust is becoming a competitive differentiator in an AI-driven marketplace. As AI agents play a larger role in digital transactions, companies need trusted ways to verify both the consumer and the digital agent acting on their behalf. To address this challenge, Experian recently launched Experian Agent Trust™, extending its expertise in identity and fraud prevention to help verify not only the person, but also the AI agent acting on their behalf.

Experian’s identity verification and fraud prevention solutions helped clients avoid an estimated $19 billion in fraud losses globally in 2025. To learn more, watch Experian’s 2026 Fraud Trends: Navigating AI and the Future of Digital Trust webinar here.

Methodology: Experian’s Identity and Fraud Report is based on two major surveys conducted in the U.S. with HarrisX in April 2026. The first asked more than 2,000 U.S. consumers about their online interactions and expectations regarding security and customer experience. The second survey asked more than 200 businesses in the U.S. about their strategies for effective fraud management, customer identification and authentication, including investments related to security and customer experience. Companies ranged in size from $10 million to above $1 billion in revenue.

About Experian

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

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Tue, 18 Aug 2026 07:33:00 GMT

COSTA MESA, CALIF., (AUG. 18, 2026) — While a credit confidence gap is keeping many prospective homebuyers out of the market, a growing awareness of expanded data and modern credit-scoring models is sparking a wave of consumer self-advocacy. According to new research from Experian®, one-third (33%) of consumers claim they’d actively seek out a new mortgage lender if they learned their current lender relied on legacy credit-scoring models that don’t incorporate rent and utility payments.

Experian’s research also showed the inclusion of everyday financial habits in scoring models could bring sidelined buyers to the table. More than half (52%) of consumers said they’d be more interested in pursuing homeownership if lenders considered additional positive payment history, such as rent and utility payments, when evaluating mortgage applications.

Gen Z is leading the charge

This demand for credit modernization is being driven by the next generation of homebuyers, who view a lender’s use of broader data in decisioning as a primary competitive differentiator.

According to the study, 3 in 4 (76%) Gen Z consumers over 18 say the type of credit scoring model a mortgage lender uses would influence whether they’d stay with that lender or consider another option.[1]

“We’ve long advocated for the use of expanded data, including things like rent and utility payments, to help increase access to homeownership,” said Michele Bodda, President Experian Housing, Verifications Solutions and Employer Services. “We’ve invested heavily in these areas and this research shows consumers, and younger borrowers in particular, want to be recognized for their complete financial picture. As Gen Z becomes a larger share of the mortgage market, mortgage lenders have an opportunity to differentiate themselves by embracing expanded data and modern scores that support more comprehensive credit evaluation while making the dream of homeownership a reality for more consumers.”

The research comes as nearly half (48%) of Gen Z consumers over 18 say they expect to be in a position to purchase a home within the next four years, and nearly two-thirds (62%) are aware that mortgage lenders are beginning to gain access to newer credit scoring models.

This consumer demand aligns with the Federal Housing Finance Agency’s (FHFA) ongoing transition to modern scoring models for mortgage decisions. Models like VantageScore® 4.0[2] consider alternative data, including things like rent and utility payments, making them especially beneficial for consumers with limited traditional credit histories.

To help accelerate industry adoption, Experian recently announced $0.99 pricing for VantageScore® 4.0 for mortgage originations, building on its previously announced Score Choice offering that provides lenders access to VantageScore 4.0 at no additional cost when they obtain a FICO® Score.[3] Together, these initiatives are designed to lower adoption costs, expand lender choice and support the industry’s transition to modern credit scoring.

To learn more about Experian’s recent research visit https://www.experian.com/blogs/news/2026/08/18/legacy-credit-scoring-homebuyers/.

About Experian

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian. Other product or company names mentioned herein are the property of their respective owners.

[1] 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.

[2] VantageScore is a registered trademark of VantageScore Solutions, LLC.

[3] FICO is a registered trademark of Fair Isaac Corporation.

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