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Published: January 7, 2026 by Krishna.Nelluri@experian.com

Greater transparency in buy now, pay later activity is key to helping consumers build their credit histories and supporting responsible lending.

Experian North AmericaScott Brown, Group President, Financial Services

Affirm plans to report all pay-over-time loan products issued from April 1, 2025, and beyond, including Pay-in-4. The move will help drive greater transparency into the buy now, pay later market while helping consumers build their credit histories over time.

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Mar 27,2025 by qamarketingtechnologists

Insights from Reuters Next: Building a More Inclusive Financial System with Data and AI

Today, we stand at the forefront of a digital revolution that is reshaping the financial services industry. And, against this backdrop, financial institutions are at vastly different levels of maturity; the world’s biggest banks are managing large-scale infrastructure migrations and making significant investments in AI while regional banks and credit unions are putting plans in place for modernization strategies, and fintechs are purpose-built and cloud native.  To explore this more, I recently had the privilege of attending the annual Reuters NEXT live event in New York City. The event gathers globally recognized leaders across business, finance, technology, and government to tackle some of today’s most pressing issues.  On the World Stage, I joined Del Irani, a talented anchor and broadcast journalist, to discuss the future of lending and the pivotal role of data and AI in building a more inclusive financial system. Improving financial access Our discussion highlighted the lack of access to traditional financial systems, and the impact it has on nearly 100 million people in North America alone. Globally, the problem affects over one billion people. These people, who are credit invisible, unscoreable, or have subprime credit scores, are unable to secure everyday financial products that many of us take for granted.  What many don’t realize is, this is not a fringe subset of the population. Most of us, myself included, know someone who has faced the challenges of financial exclusion. Everyday Americans, including young people who are just starting out, new immigrants and people from diverse communities, often lack access to mainstream financial products.  We discussed how traditional lending has a limited view of a consumer. Like looking through a keyhole, the lender’s understanding of the person in view is often incomplete and obstructed. However, with expanded data, technology, and advanced analytics, there is an opportunity to better understand the whole person, and as a result have a more inclusive financial system.  At Experian, we have a unique ability to connect the power of traditional credit with alternative data, bringing a more holistic understanding of consumers and their behaviors. We are dedicated to leveraging our rich history in data and our expertise in technology to create the future of credit and ultimately bring financial power to everyone. The future of lending After spending two days with over 700 industry leaders from around the world, one thing is abundantly clear: much like the early days of the internet, today, we are at the cutting-edge of a technical revolution. Reflecting on my time at Reuters NEXT, I am particularly excited by the collective commitment to drive innovative, and smarter ways of working.  We are only beginning to scratch the surface of how data and technology can transform financial services, and Experian is positioned to play a significant role. As we look to the future, I am excited about the ways we will create new opportunities for businesses and consumers alike.    

Dec 13,2024 by Scott Brown

Powering the Advertising Ecosystem with Our Identity and Activation Capabilities

The advertising ecosystem has seen significant transformation over the past few years, with increased privacy regulation, changes in available signals, and the rise of channels like connected TV and retail media. These changes are impacting the way that consumers interact with brands and how brands understand and continue to deliver relevant messages to consumers with precision.   Experian has been helping marketers navigate these changes, and as a result, our marketing data and identity solutions underpin much of today’s advertising industry. We’re committed to empowering marketers and agencies to understand and reach their target audiences, across all channels. Today, we are excited to announce our acquisition of Audigent—a leading data and activation platform in the advertising industry.   With Audigent’s combination of first-party publisher data, inventory and deep supply-side distribution relationships, publishers, big and small, can empower marketers to better understand their customers, expand the reach of their target audiences and activate those audiences across the most impactful inventory.      I am excited to bring together Audigent’s supply-side network as a natural extension to our existing demand-side capabilities. Audigent’s ability to combine inventory with targeted audiences using first-party, third-party and contextual signals provides the best of all worlds, allowing marketers to deliver campaigns centered on consumer choices, preferences, and behaviors.    The addition of Audigent further strengthens our strategy to be the premier independent provider of marketing data and identity, ultimately creating more relevant experiences for consumers.   To learn more about Experian and Audigent, visit https://www.experian.com/marketing/ and https://audigent.com/.  

Dec 04,2024 by Scott Brown

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Gartner’s 2014 Magic Quadrant for Data Quality Tools Report positions Experian

Today, we are excited to announce that Experian has made it onto the Gartner Magic Quadrant for Data Quality Tools. We are positioned as a ‘Challenger’, which we believe means our organization is recognized as performing well within our line of expertise, providing customers with the right products and services they need to effectively manage their data. We believe this demonstrates our ongoing commitment to data quality across Experian and our success in providing customers across the globe with ‘business-user-friendly’ tools and expert advice to meet ever-more-challenging data needs. We focus on helping users across businesses, from IT to commercial business stakeholders, understand and leverage the valuable asset of data. We work hard to listen to our customers and build solutions that reflect: Ease-of-use – Products that can be leveraged quickly and effectively by business users outside of IT with the wider business objectives in mind. Flexibility – Deployment models that quickly enable a complete end-to-end data quality solution for businesses of all sizes. Expertise – Leading support through the implementation process and beyond. Value – Solutions implemented quickly to begin delivering value. We take pride in delivering these products across the globe and continuing to drive innovation in the data quality space, an increasingly growing and important sector of the market. Thank you to our customers and valued partners for helping make this position possible. We look forward to continuing to build strong data quality solutions for years to come. You can access the full Gartner report from our website. Disclaimer: This graphic was published by Gartner, Inc. as part of a larger research document and should be evaluated in the context of the entire document. The Gartner document is available upon request from Experian Data Quality. Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings. Gartner research publications consist of the opinions of Gartner’s research organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.

Dec 23,2014 by

Car buyers choose fuel-efficiency

If you’ve driven a vehicle in the past few months, then you’ve most likely had to stop by your local gas station. And, if you’ve filled up the tank while you were there, then you’ve probably experienced the sensation of the corners of your mouth forming a smile as the price for a tank of gas of has been lower than usual for quite some time. With that said, has the consistent drop in gas prices done more than just make us smile? Has it enticed consumers to go back to the gas-guzzling, high-powered vehicles of the past? According to a recent Experian Automotive analysis, the answer is no. Despite the drop in gas prices, fuel-efficiency remains top of mind for most consumers. So much in fact, that more than 55 percent of all new vehicle sales through the third quarter of 2014 had four-cylinder engines. The next closest engine type was the six-cylinder, which made up nearly 30 percent of all new sales. What’s intriguing is that this gap has continued to widen since 2008. To download the full report: http://ex.pn/1x0r5q5 Furthermore, vehicles with four-cylinder engines made up 35 percent of all vehicles on the road, compared with six-cylinder engines, which made up 39.2 percent. While the more powerful engine has a larger share of vehicles on the road, the gap between the two has steadily decrease since 2009, when six-cylinder engines made up 41.4 percent, and four-cylinder engines made up only 29.9 percent. Other findings from the report include: • The total number of vehicles on the road grew by 5.8 million from a year ago, mainly due to an increase in new vehicle sales and low scrappage rates • More than 26 percent of all light duty vehicles on the road are model year 2010 or newer • The average age of vehicles on the road (15-year rolling age) is 7.4, down from 7.5 in the third quarter of 2013 • The Southern region saw the highest volume of new and used vehicle sales in the third quarter of 2014, followed by the Midwest, West and Northeast • Entry-level CUVs (cross-over utility vehicles) remained the top vehicle segment among new registrations through Q3 2014, while full-sized pickup trucks reclaimed the second spot after trailing small-economy cars through the first half of the year • Ford, Chevrolet and Toyota were the top three brands for new vehicles sales in the third quarter of 2014 • Ford (20.7 percent), International (17.1 percent) and Freightliner (15.8 percent) have the highest share of medium- and heavy-duty vehicles on the road

Dec 23,2014 by

Internet of Things Goes Mainstream During the 2014 Holiday Season with Smart Home Devices Seeing the Most Growth

New research from Experian finds that nearly a third of all Americans use at least one type of smart or connected device; 14 percent of homes are smart homes.  Experian Marketing Services published a new report today that tracks the recent rise and growing interest among consumers for connected devices and smart home products. A complimentary copy of the report, The Internet of Things: Opportunities through the rise in smart devices, can be downloaded here: http://ex.pn/1r0TJVp. The report found that consumer interest in three connected device categories has shown significant growth in recent years, with no signs of stopping. In fact, according to the report, nearly a third of all Americans use at least one type of connected device. Further, at least 14 percent of U.S. households are smart homes and have a connected home device such as connected lights, locks, thermostats, or electrical outlets, among others. Experian Marketing Services predicts that the smart home device category will see the most growth during the 2014 holiday season. Since the beginning of November 2014, interest in leading smart home devices has increased 54 percent.  Percentage of growth in online search data since 2011 Percentage of growth in online search data during 2014 Holiday season Smart watches & fitness trackers 80% 45% Smart home devices 31% 54% Smart television devices 16% 47% Source: Experian Marketing Services  “The rapidly growing trend of the Internet of Things manifested itself during the 2013 holiday season through the popularity of connected fitness trackers, but this year it is all about the emergence of smart home devices,” said John Fetto, senior analyst, marketing and research, Experian Marketing Services. “In fact, as smart home devices graduate from their niche darling status and become adopted and valued by a wider audience, we’re seeing greater recognition of leading category brands like Nest. In return, the growing familiarity with these leading brands is helping to drive awareness for the category overall.” Top 10 hottest smart home device products 4 weeks ending December 6, 2014 Rank Search term Share of top branded search terms 1 Nest thermostat 21% 2 Dropcam 12% 3 ADT Pulse 5% 4 Philips Hue 5% 5 Nest Dropcam 4% 6 Dropcam Pro 2% 7 Wemo 2% 8 Nest Protect 2% 9 Hue lights 2% 10 Drop cam 2% Source: Experian Marketing Services According to Experian Marketing Services, the consumers that are helping to push connected devices into the mainstream are a key segment to engage. Smart or connected device users, versus non-users, are generally younger, college educated and affluent. They are also more likely to be male, racially and ethnically diverse, and have kids at home. Further, users are highly connected, both technologically and socially, to their favorite devices and brands. Overall, they are more than twice as likely than the average U.S. consumer to access social media from different devices, to follow their favorite companies or brands on social media and be connected to the Internet at all times. The report also found that smart device users like to stand out in a crowd, are health conscious, driven to succeed and have a taste for the finer things. “As everyday things get smarter, consumers will grow more reliant on those things to process information and designated tasks autonomously. They will also allow consumers to ‘unglue’ their attention from computer, tablet and smartphone screens,” added Fetto. “While marketers may think there is still plenty of time before they need to address this nascent trend, or feel it won’t fundamentally impact their business, the rapid rate of growth in consumer interest strongly suggests that connected devices will be commonplace before marketers know it.” To download the entire report, please visit: http://ex.pn/1r0TJVp. 

Dec 18,2014 by

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