Our strategy in action
Discover how we bring our strategy to life
We help financial institutions navigate regulatory complexity
At Experian, a “model” is a formula that combines many inputs to predict outcomes, such as whether a loan application should be approved, declined or reviewed. Modern financial models can contain hundreds of variables, but institutions must still be able to explain how decisions are made to meet regulatory and governance requirements.
This creates operational friction, particularly for global banks managing different regulations across markets. Strong analytics alone are not enough if governance and documentation processes remain slow and manual.
To help solve this, Experian launched Experian Assistant for Model Risk Management (EAMRM) in 2025. Powered by a large language model trained on regulatory requirements, EAMRM integrates into model development workflows, enabling institutions to assess compliance in real time and reduce documentation timelines from weeks to days, while maintaining human oversight.
EAMRM is part of the Ascend platform, which brings together Experian’s data, analytics and risk management capabilities in one connected environment. By embedding these tools directly into institutional workflows, Ascend helps financial institutions move faster, remain compliant and improve customer outcomes.
Taking the hassle out of fraud checks in Brazil with the Serasa Pass
High fraud rates in Brazil meant online purchases often involved lengthy forms, document uploads and manual reviews, creating friction for both retailers and consumers.
To solve this, Serasa Experian developed Serasa Pass, a digital identity and fraud solution that enables consumers to verify themselves quickly and securely during checkout. By using biometric authentication and consent-based identity sharing, consumers can complete transactions in seconds rather than minutes.
Behind the scenes, Serasa Pass combines identity verification, behavioural analysis and fraud signals, such as device activity and transaction patterns, to generate a trust score that helps retailers assess risk in real time.
For retailers, this simplifies fraud management by embedding Experian’s identity and fraud capabilities directly into their workflows through a single integration. For consumers, it creates a faster, more seamless checkout experience that can be reused across multiple merchants.
As digital commerce continues to grow, Serasa Pass positions Experian at the centre of the evolving identity and fraud ecosystem in Brazil, helping make online transactions both safer and more convenient.
Introducing EVA: our agentic financial co-pilot
As household budgets tighten, consumers are paying closer attention to their finances, yet financial information has traditionally remained fragmented across credit scores, bank accounts and insurance products.
Experian addressed this with the launch of the Experian Virtual Assistant (EVA) in 2024. EVA is an AI-powered tool that helps consumers better understand and manage their financial position. By combining Experian data with permissioned open banking data, EVA can identify spending patterns, explain changes in a consumer’s profile and suggest practical actions, from reducing costs to exploring suitable financial products.
The value of EVA comes from trust and connectivity. Consumers choose to share their data in exchange for insights that improve financial outcomes, while banks and insurers rely on Experian to connect them with relevant customers in a compliant way.
As Experian expands its connected data ecosystem, EVA will become increasingly personalised and proactive, helping consumers move seamlessly from financial insight to action. AI powers the experience, but the real differentiator is the depth and quality of Experian’s data.
Talk to Vinny to find out whether the vehicle you’re buying is in good shape
In North America, affordability pressures are increasing demand for used cars, but buyers, dealers and lenders often face uncertainty around a vehicle’s true history. This creates friction, extra costs and higher risk across the car-buying journey.
Experian helps remove these blind spots by combining one of the USA’s largest consumer credit databases with comprehensive vehicle and ownership data, alongside insights from millions of consumers who voluntarily share information with us.
Through AutoCheck, dealers can quickly identify high-quality vehicles and avoid hidden risks when purchasing inventory. Consumers browsing marketplaces such as Autotrader or Cars.com can access vehicle history reports and interact with Experian’s AI assistant, Vinny, to ask questions in natural language about a car’s history and condition.
Lenders also benefit from a clearer picture of both the borrower and the vehicle being used as collateral, enabling fairer pricing and stronger fraud prevention through tools that detect issues such as cloned serial numbers or falsified histories.
By connecting data across the vehicle lifecycle, Experian helps dealers, consumers and lenders make smarter, more confident decisions while reducing the overall cost of trust.
We help lenders see potential, not just history
When banks make lending decisions, they often rely heavily on historical credit data. While effective, this can disadvantage consumers whose current financial situation is stronger than their past records suggest, such as recent immigrants, freelancers or people recovering from temporary financial difficulties.
To address this gap, Experian introduced the Credit + Cashflow Score in North America. With consumer consent, Experian combines traditional credit data with bank transaction data to create a more complete and forward-looking view of financial health and repayment ability.
This helps consumers gain fairer access to credit, including approvals that may previously have been declined, lower interest rates and faster application processes, while maintaining control over their data.
For lenders, the solution provides a more holistic and scalable way to assess risk. For Experian, it reflects an evolution from a traditional credit bureau to a more integrated partner in the lending decision process, embedding both credit and cashflow insights directly into lender workflows.