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.

Home ownership has been found to be one of the greatest drivers of generational wealth, but the dream of owning a home can seem out of reach for millions of Americans. At Experian Mortgage, we believe our commitment to diversity, equity and inclusion, and leveraging the power of data, analytics and technology creates a better tomorrow for all. Our team is 100% committed to helping expand homeownership opportunities to populations traditionally left out of the market. For me personally, diversity, equity and inclusion – in all regards – is a personal passion. That’s why it’s especially thrilling and humbling to receive the Mortgage Bankers Association (MBA) 2022 Residential Diversity, Equity and Inclusion (DEI) Leadership Award in the Market Outreach Strategies Non-lender category. Diversity, equity and inclusion is more than just a program for us. It drives our company’s mission of financial inclusion. We are proud to partner with nonprofit organizations including HomeFree-USA, the Urban Institute, UnidosUS and the National Urban League to break down barriers to homeownership through financial and credit education. Through our United for Financial Health program, we established the Home Preservation Grant to assist Black and African American homeowners at risk of losing their homes due to the negative impact of COVID-19. To date, homeowners in Atlanta, Chicago and the greater Washington, D.C. areas have benefitted. As a member of the MBA, Experian enthusiastically signed the Home for All Pledge, furthering its commitment to be a champion for change in addressing the barriers to sustainable housing for persons and communities of color. Additionally, several members of the Experian Mortgage team participate in the Housing Affordability Convergence in support of MBA’s initiative to facilitate new solutions to the nation’s rental and housing affordability challenges. For Experian Mortgage to be recognized by the MBA for our market outreach efforts is tremendously rewarding. It helps confirm we’re on the right track and we still have more to do. We look forward to providing partnership and support to clients and the industry to join us in our mission of financial inclusion. Click here to learn more about our commitment to diversity, equity and inclusion.

For all of the ways money – and access to it – affects our lives, it’s unfortunate that it is not discussed regularly with young people. Sadly, when it is discussed, it’s often in response to highly emotional financial stress or difficulty rather than as a positive learning opportunity. Establishing a positive, fact-driven relationship with money early in life can be a critical factor in future success. Equitable access to financial tools and resources to create a better tomorrow can help everyone achieve their life’s goals. That’s why we’re proud to announce the launch of the Center for Financial Advancement® (CFA) Credit Academy. CFA is a key initiative of HomeFree-USA, and we’ve been partnering with the organization to provide complementary training to their housing counselors on financial and credit education information and resources. This new six-month program is for 250 scholars from 14 Historically Black Colleges and Universities (HBCUs). My colleagues on Experian’s Credit Education team are leading the program to help scholars gain an understanding of credit and its importance. The hope is they’ll become knowledge ambassadors for their peers, family and their communities. Experian research shows there are 28 million US consumers who are unable to participate in the mainstream financial ecosystem today because they don’t have a financial identity. Credit invisibility more frequently impacts underserved communities with 26% of Hispanic consumers and 28% of Black consumers unscoreable or invisible compared to 16% of White and Asian consumers. That can make homeownership, the greatest driver of generational wealth, an even bigger challenge for underserved communities. Ensuring these students are aware, informed and visible within the credit ecosystem will help them access more equitable lending when they’re ready to take steps to buy a car, own a home, and build generational wealth. In addition to live sessions and self-paced content, the CFA Credit Academy culminates with a hackathon competition in April, challenging all students to form teams of four at participating HBCUs to build the next best credit education program for their peers. The winning team will earn a $40,000 scholarship, sponsored by Experian. We can’t wait to see what the scholars come up with, and we look forward to sharing their ideas. To learn more about Experian’s work in diverse communities: visit www.experian.com/diversity.

We welcome today’s recommendations, which will help deliver a better and more equitable credit market for everyone. Comprehensive, accurate data delivers better outcomes for consumers, and bringing more data into the CRA ecosystem will further improve those outcomes. We are pleased to see the regulator taking action to ensure the UK financial system remains one of the most effective, innovative and competitive in the world. Experian shares the FCA’s view that there are opportunities to improve the operation of the credit information market in the UK, and was happy to co-operate fully with the FCA’s team during the multi-year Market Study process. A number of the remedies outlined in the FCA report were supported by Experian in a 2018 white paper, The Future of Credit Information. Amongst other things, this included establishing a base level of credit data for regulated CRAs to give consumers and lenders a clear, consistent baseline for credit reporting, while encouraging a competitive and innovative environment for non-regulated credit data and accurate insight. Experian aims for consistently excellent data across its enterprise. It invests continuously to improve data coverage, accuracy, timeliness, richness and increase credit visibility of consumers to the financial system, and it continues to innovate to improve credit outcomes for consumers.
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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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