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by Krishna.Nelluri@experian.com 4 min read March 17, 2026

Consumer First AI: Building AI That Shows Up In Real Life Moments, Like Shopping For Insurance

We believe financial decisions should feel empowering, not overwhelming. Choosing how to protect your family, planning your next move, building your future, these are personal milestones. Yet too often, the tools meant to help consumers navigate them create friction instead of clarity.

We are changing that.

Our Consumer-First AI strategy starts with a simple belief: technology should make life easier for people. We’re building AI-powered experiences that meet consumers where they are, cut through complexity, and provide guidance that feels intuitive, supportive, and genuinely helpful.

Reimagining Insurance Shopping Through Conversation

One example is the launch of our Experian Insurance Marketplace, a leading platform to find and compare auto insurance rates[i], within ChatGPT.

Shopping for insurance has long been a frustrating process. Consumers jump from site to site, repeatedly entering information and trying to decode policy differences, often still unsure if they found the right coverage at the right price.

Now the experience can begin with a simple question inside ChatGPT.

Consumers now can start their journey with Experian and compare estimated rates from more than 35 leading insurance carriers in our network, receive clear coverage explanations, ask follow-up questions in real time, and seamlessly transition into the Experian experience to explore personalized savings and switch carriers. What once took hours across multiple websites can now begin in one guided interaction.

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  • Reimagining Insurance Shopping Through Conversation
  • Powered by Experian’s Innovation Engine
  • Just the Beginning

Experian has long helped people build credit, protect their identity, and improve their financial health. Bringing other capabilities, we offer like insurance into conversational AI is a natural extension of that mission

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At Experian, we believe that every individual deserves to feel valued, respected, and supported to thrive. We are dedicated to fostering a workplace where people can bring their full identities to work. This commitment extends beyond any single initiative; it is embedded in how we show up for one another and in how we build a culture where all employees feel seen, heard, and supported.

We are pleased that for the seventh consecutive year, our people-first approach has earned us a top score on the Human Rights Campaign Foundation’s Corporate Equality Index (CEI), securing our place on the Equality 100 list for LGBTQ+ workplace inclusion. This honor comes on the heels of winning Out & Equal’s 2025 Outie award for Workplace Excellence and Belonging, and reaffirms our efforts for a workplace that embraces inclusion.

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Analytics to help businesses harness the power of big data

I’m delighted to confirm the launch of Experian Analytics on Demand in the UK. Following a highly successful launch in the US, it will be available to businesses across the UK and EMEA regions this Autumn. Ascend is an integral part of the suite of market-leading Experian innovations that we’re bringing to market over coming months, all of which will accelerate the ability of our UK clients to harness the full potential of big data. It helps businesses of all shapes and sizes analyse vast volumes of information faster, more effectively, and with deeper insight than ever before. Ascend puts a new suite of data tools in the hands of in-house analytical teams, allowing them to build their own predictive models to develop business strategies and make real-time decisions – ultimately supporting their abilities to bring better services to market more quickly and with better results. The digital transformation of our marketplace has meant that customers are constantly demanding a faster, more responsive service and that has put increasing pressure on businesses. Our research has found that only one in three businesses are employing advanced analytics technologies to develop a deeper, more meaningful understanding of their data. Just 29% currently combine both traditional and non-traditional data sources to gather more insight. While, two in five businesses still rely on instinct and subjective opinion to make decisions. Ascend harnesses the power of open-source technology, combining it with Machine Learning and Artificial Intelligence to help businesses unlock insights and take decisive actions in the moments that matter. Bringing unique scale, speed and intelligence that deliver the best results for both businesses and our customers. It’s not simply about changing the way you manage your data; it’s about modernising the way you manage your business. This is a very exciting time for our industry and I’m looking forward to working with both our existing partners and new clients to demonstrate the many opportunities that this new platform can bring. For an early view of the platform, please follow the link here to register your interest.  

Published: Aug 15, 2018 by Editor

Helping Experian Clients by Operationalizing Machine Learning Technology

At Experian, advanced technology drives our commitment to enhancing the customer experience. For us, it’s all about innovation and creating products and experiences that meet the demands of today’s tech-savvy consumers, businesses and diverse client base. To accommodate ever-changing market conditions, we leverage a unique mix of our own data centers and cloud platforms, as well as provide standard APIs so developers can easily connect to our systems and data. And, machine learning plays a key role in this commitment to innovation. Steven Norton, reporter for the Wall Street Journal, recently reported on how we’re operationalizing machine learning technology to manage an increasingly complex IT environment, and drive business value for customers. Experian’s use of real-time monitoring has allowed CIO Barry Libenson to show an empirical decline in downtime and critical IT issues year-over-year. With companies looking to artificial intelligence to deliver insights into their customers and the business, credit reporting firm Experian PLC is tapping machine learning to better understand how its own applications behave, with limited human intervention. Click here to read the full article published in the Wall Street Journal’s CIO Journal.

Published: Aug 14, 2018 by

The better you recognize customers, the more easily you can prevent fraud. Experian is leading the way

We often talk about the balance between customer security and convenience, but rarely do businesses track the impact of identifying customers and managing fraud risks as two sides of the same coin. According to our recent Global Fraud and Identity Report, 84 percent of business believe if they were certain about a customer’s identity, the need for risk mitigation would be reduced. Being able to better identify our customers should be at the crux of all our campaigns. Simply put, the faster and better you recognize your customers, the faster and better you recognize fraud. And we are not alone. We feel the industry agrees with us. Two of the world’s leading research firms, Forrester and Gartner, both recently released reports regarding the state of identity, and we are thrilled to have been recognized in both. The Forrester report, “Top Trends Shaping Identity Verification (IDV) in 2018,” which was authored by analysts Andras Cser and Merrit Maxim, and published in March 2018, discusses the importance of easy-to-use identity verification tools and the top trends shaping identity verification. Experian was cited as the most used vendor for identity verification based on a survey of global network security decision makers. The report also shared an example where a North American bank improved its identity theft detection rate by 15 percent by using Experian’s identity verification services. We were also included in Gartner’s April 2018 Market Guide for Identity Proofing and Corroboration, which helps companies understand the value of identity when it comes to protecting customers and revenue. Experian was one of only three vendors that met all the capabilities criteria recommend by Gartner. The guide, authored by Ant Allan, Jonathan Care, Dorothy Luong and Tricia Phillips, also points out several key findings regarding identity proofing and corroboration. Just recently, Experian was named one of the top 100 most innovative companies in the world by Forbes for the fifth consecutive year, and this is icing on the cake. We are thrilled to be included in these reports and are committed to helping businesses provide a seamless identity verification process with accuracy and simplicity, and one that doesn’t negatively impact the customer journey. Ultimately, investing time and resources to develop the best tools for identity verification goes a long way. Not only will your business leaders feel more confident in your organization’s ability to detect and prevent fraud, it’ll also save your business the time and money that you would spend on eliminating fraud after it happens. All our fraud and identity services are available through our award-winning Experian CrossCore platform, the industry’s first open platform for fraud and identity services. Gartner Disclaimer 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 or other designation. 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.

Published: Aug 02, 2018 by

Experian Gets Ready to Celebrate International Women’s Day Around the World

Having a diverse workforce is vital to help us innovate and deliver on the needs of our increasingly diverse clients and consumers. Over the years, we've made some great progress, but there's so much more we can do and it's going to take the collective effort of all of us to continue to move the needle. That's why we're gearing up to celebrate International Women's Day (IWD). It's a day celebrated in many countries around the world to recognize the achievements of women and drive equality among men and women. At Experian, IWD activities are extending throughout the month of March. Have a look at what's going on around the world as Experian celebrates this important day: Asia Pacific The Asia Pacific region is hosting a range of activities across our offices in March, which will include round-table and speaker events as well as an opportunity to network and pledge their support for IWD. EMEA and UK&I EMEA and UK&I are joining together for IWD to support and celebrate diversity and inclusion. The week started with a video of employees from both regions reflecting on what diverse teams bring to our business. Employees will also be invited to a variety of events to engage and network with inspirational women and hear stories from our leaders on what diversity means to them personally. Latin America Throughout the month of March, Latin America has been running a campaign to share stories of achievements in their region and raise awareness about breast cancer prevention and other diseases more common in women. On IWD, there will be a panel of women leaders who will address issues such as the social inclusion of women in the region, women's participation in the labor market, Experian's commitment to female leadership and the importance of a work/life In Brazil, IWD is kicking off with a presentation by members of the United Nations to present their 50-50 Gender Equality program (which aims to eliminate gender inequalities by 2030) and how they are working with companies around the world to achieve this vision. Employees will have an opportunity to hear from leaders in our business about diversity and inclusion plans for the region, and listen to a panel of external speakers discuss diversity challenges and career development. North America Our employees in North America will be kicking off the week with celebrations across their ITS’ 13 offices in the region. Each office will have daily activities throughout the week, and all employees – including virtual and those based in smaller offices – will be invited to attend webinars focused on Diversity and Inclusion topics. On IWD, there will be panel discussions with senior leaders who will speak on various career development topics. To close out the week, there will be a special Book Club discussion on March 9. We will continue to update this blog post all week with pictures and other ways we’re celebrating IWD. Bookmark this page and come back.

Published: Mar 05, 2018 by

How Experian Helps to Connect with Companies all Over the World #ExperianStories

I work at SEGA, a global games company. I first met Nakamura-san, my contact at Experian, about eight or nine years ago. I remember telling him at the time that I was a little sceptical of credit report and analytic companies – I thought they were either too expensive or their reports weren’t detailed enough. However, a year later I needed help from a company like Experian, and I thought I’d put them to the test.   My team and I were starting to communicate with overseas markets, to work with companies around the world. So, I phoned Nakamura-san. It was a business negotiation, so I had my poker face on – I played the usual mind games you have to, insinuating that if Experian did this job well then our company might be able to offer them even more business in the future.   Safe to say, they passed the test. We’ve been building a really positive relationship with Experian for the last eight years.   We’re working with companies in Hong Kong, Taiwan and London at the moment. To work with them, we need information – for instance, we need to know if they’re actually located where they say they are. Even if a company gives us an address, it’s always possible that it operates from a different country – we’ve all heard about companies and their tax havens. When we have these questions, Nakamura-san and his team at Experian collect and analyse data on these companies, and give us very thorough information – breaking it all down and explaining everything to us really clearly.   It’s really difficult to get the rich, detailed analysis of data you need, but Experian provides us much better data than any of our previous credit research companies managed to. They consult with us, and help us use this data to get our business to a better place. I’m very grateful for it – they’ve added great value to our business. Mr. Shinji Mutazono, Team Manager, SEGA Group Companies Finance Department, SEGA Holdings CO., Ltd. 

Published: Oct 08, 2017 by

Bringing Solar Panel Lights to a Remote Village in Malaysia #ExperianStories

In Malaysia, nearly 280,000 people live without electricity. By volunteering with the Liter of Light program, we’re bringing solar panel lights to remote villages, transforming the quality of life and brightening the darker hours for families. In Malaysia, more than 1 percent of the population lives without electricity – one of life’s basic necessities – which equates to nearly 280,000 people living in darkness after the sun goes down. Some people have never had electricity in their life, making simple tasks like cooking or reading nearly impossible after dark. I wanted to change that. My day job is to support and enable individuals within Experian to pursue various career opportunities, but what I’m most passionate about is the way Experian helps me invest in my local community through the Heart of Experian Corporate Social Responsibility program. This year, my team and I had the chance to collaborate with Liter of Light (LOL) – a global, grassroots movement committed to providing affordable, sustainable solar light to people with limited or no access to electricity. In February, we joined one of their projects to install 60 solar street lights in the village of Orang Asli, an indigenous community in the Cameron Highlands.   Over the span of two days in February, a group of 30 Experian volunteers built and installed the solar panel lights. On the first day, the LOL team taught us how to build the panels, teaching us the skills needed to cut wire, assemble PVC pipes and drill holes. The second day, we rode in Jeeps through muddy roads and a three-foot deep river to reach the village. We spent hours unloading the lights and assembling the panel boxes, plotting the village maps and identifying the right spots to install the solar panel lights. I was happy to see some of the local villagers’ curiosity and participation throughout the day. Some helped us assemble the lights while others prepared the right spots for installation by building bamboo stands. The weather was kind to us, so by 5 p.m., nearly all the lights were installed – just before dark! After completing all the hard work, our team recorded a group video using a drone that all of the Orang Asli children chased after. Thanks to our service project providing light to a village in darkness, 150 villagers in Orang Asli will now have more productive, higher-quality lives during the dark hours of the day. I’m so glad I got to play a role in that.

Published: May 21, 2017 by

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Ally is a verb, not just a noun, at Experian. Our Experian Pride Employee Resource Group created an allyship training for all employees and a Parents Group to provide resources to parents, caregivers and family members so they can better support LGBTQ+ youth and family. New this year is our updated bereavement leave policy that acknowledges chosen family, which honors the experiences of many individuals in the community.

As Experian Chief Sustainability Officer Abigail Lovell says, “The world works best when everyone gets to live as they truly are.”

At Experian, we remain dedicated to making that a reality.

Learn more about Experian ‘s commitment to inclusion and belonging in its 2025 Power of YOU Reports:  English  |  Portuguese  |  Spanish

 
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