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.

- 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
QA Marketing Technologists

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.

Experian Marketing Services, a global provider of integrated consumer insights, targeting, data quality and cross-channel marketing, gathered more than 1,000 top marketing executives from the world’s leading brands for the 2014 Client Summit. The event reinforced the importance of storytelling for marketers and how brands need to deliver exceptional and authentic customer experiences.

Precise ID® with FraudNet provides a single view of a consumer’s identity across devices Experian®, the leading global information services company, has announced the launch of a cross-channel fraud platform to better authenticate consumers, validate their mobile devices and identify mobile fraud. The platform combines Experian’s Precise ID®, an industry-leading risk-based authentication service, with FraudNet, a global fraud detection and prevention service from 41st Parameter®, a company Experian recently acquired. The combined offering provides organizations with a way to authenticate consumers confidently at multiple touch-points online, subsequently increasing revenues by significantly reducing false positives in their fraud processes, improving operational efficiencies and preserving a positive customer experience. Companies face significant pressure in authenticating consumers in non-face-to-face channels while protecting their brand from vulnerabilities and financial losses from fraud. Setting up accurate fraud detection processes has become more and more challenging as mobile and online channels have become widely used by consumers. At the same time, fraudsters’ techniques are becoming increasingly sophisticated. “Managing fraud risk and protecting customer identities are becoming more complex as the opportunity for fraud has increased with the proliferation of mobile devices being used for online transactions. Organizations need to confidently authenticate consumers without affecting their overall customer experience,” said Adam Fingersh, senior vice president of Experian Decision Analytics. “The Precise ID with FraudNet platform provides organizations with the ability to manage fraud risk associated with traditional identity information coupled with device-based information through a single platform regardless of channel, all while managing a positive customer experience.” Experian’s Precise ID with FraudNet platform uses a highly configurable rules-based engine designed to balance an individual business’s needs and fraud-risk appetite. The platform combines several features that collectively create a leading offering in the market: • Identity authentication — The risk-based approach considers credit data, noncredit data, questions, scores and analytics, leveraging Experian’s proven analytics and scoring expertise. Custom and configurable rules that support your credit, fraud and compliance policies with Fair Credit Reporting Act and Gramm-Leach-Bliley Act compliance aids in meeting mandated government and industry regulations. • Device intelligence — Fraudsters are taking advantage of new technology and the proliferation of devices. The Precise ID with FraudNet platform enables clients to recognize known returning customers, authenticate new legitimate customers and flag fraudulent threats. By leveraging more than 100 device intelligence attributes and more than 500 actionable rules, Precise ID with FraudNet looks for suspicious and inconsistent device characteristics without the use of any cookies. • Link analysis tool — Investigators can rapidly assess the authenticity of the transaction or group of transactions. For example, the tool can identify common customer information and billing data, including name, multiple phones, multiple addresses and multiple email addresses from the same device, even if no other information is the same. • Risk analyzer — Reduce acceptance of bad accounts without negatively impacting profits via a highly customizable rules engine that is configurable to a company’s risk appetite to appropriately manage cross-channel risk in a portfolio. • Investigator workbench – simplifies case management via an online user interface. Precise ID with FraudNet also incorporates detection tools and full audit trails to decrease investigator training times, reduce the volume of manually reviewed transactions and save time and resources in the review process. Learn more about Precise ID with FraudNet

Summertime only comes around but once a year. And when it does, you can always expect to see the sun shining brightly, kids eating ice cream and folks heading to the beach.
While all these may be staples of the season, none are more indicative of summer than seeing someone drive down the highway in a nice convertible with the wind blowing through their hair.
In this article…


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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