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.
As any online merchant knows, the past few years have seen a rapid increase in digital transactions but unfortunately, fraudsters have adapted quickly and taken advantage of this. With booming online sales, retailers strive to provide a seamless shopping experience while simultaneously recognizing legitimate customers and keeping an eye out for fraud. It’s a balancing act that becomes more perilous as transaction volumes grow. Perhaps one of the most frustrating challenges for online merchants is false declines. In fact, Aite-Novarica Group’s The E-Commerce Fraud Enigma: The Quest to Maximize Revenue While Minimizing Fraud Report found the average false decline rate is 1.16%. With over $960 billion in U.S. online sales in 2021, lost sales resulting from false declines is substantial, totaling more than $11 billion. False declines occur when a good customer is suspected of fraud and then prevented from completing a purchase. This happens when a company’s fraud prevention solution provides inadequate insight into the identity of the customer, flagging them as a potential bad actor. The result is a missed sale for the business and a frustrating transaction and experience for the customer. Merchants use a variety of tools to prevent fraud while ensuring they minimize friction during the purchase experience, but many legacy fraud solutions fail to provide the confidence needed to sufficiently assess the risk of the identity presented by the customer. As identities become more complex, Experian recognizes that identity is personal. We are committed to creating new and innovative solutions to manage this complexity, and to addressing the constantly evolving opportunities for fraud that come along with it. Our newest offering, Experian Link, is the most recent example. It allows merchants to augment their real-time payment risk decisions with a perspective that links customer identity to the credit card being presented for payment. Aite-Novarica’s report showed that nearly half of the e-commerce merchants surveyed are tolerating fraud rates between 20 and 49 basis points. Experian Link can improve that as it provides a positive match rate of 85% for major credit card brands, and when an identity is verified against a credit card, fraud rates can drop to as low as 10 basis points with no added customer friction. As the digital landscape continues to evolve, online merchants need the right tools to help them meet consumer expectations and support their growth now and in the future. Leveraging a strong identity verification solution like Experian Link in the authorization process will be critical for merchants, providing additional data that paints a more complete picture of their customer and leads to fewer false declines. For more information on how Experian Link helps businesses enhance their identity verification solutions, please visit https://www.experian.com/business/products/experian-link.
Consumers generate hundreds, if not thousands, of digital interactions every day when they do things like shop on the internet, play games, manage their finances or stream entertainment. As businesses look to differentiate their brands and create positive consumer experiences, they need to reconcile these data points. Proper reconciliation of identity leads to insightful data that helps augment the way brands market to consumers, manage risk, and deliver secure, personalized experiences. Fulfilling the promise of identity can be a challenge, though, given the massive volumes of data that these consumer interactions generate, and the need to ensure privacy-compliant use. To help companies meet this challenge, Experian introduced an integrated suite of identity solutions, products and services called Experian Identity. It combines Experian’s sophisticated information technology systems and vast accumulation of consumer data to enable businesses to engage with consumers on a more perceptive, personalized basis. This recent Global News Blog entry addresses this topic well. Experian Identity is an ideal choice for companies that need identity resolution and fraud management solutions to further strengthen their customer relationships. One example of the innovative use of identity data is how it can give people with limited-to-no credit history access to a variety of useful financial instruments. By incorporating expanded data sources that contain identity information, such as rent, utilities, telecom, and video streaming services, as well as buy now, pay later data into credit reports, consumers who are underrepresented in the current credit reporting system can provide a more comprehensive view into their ability and willingness to repay outstanding debt. Lastly, Experian Identity is laser-focused on compliance for consumer consent and control around identity. A recent advertorial in the news outlet AXIOS offers more background on how businesses can use identity data to stay relevant with their target audiences and create a positive and safe consumer experience. Click here to read more. For more information on how Experian Identity helps optimize identity solutions, visit www.experian.com/identity-solutions. To learn how making identities personal builds trust and helps organizations create improved experiences for consumers and businesses, download the Making Identities Personal white paper.
Back in October 2021, we announced our partnership with Code First Girls, who teach women to code for free and develops female talent in tech. We have shared their journey where four female students worked as paid interns with Experian while studying for their Code First Girls’ Nanodegree for the last nine months. My colleagues in the UK will be continuing the partnership with Code First Girls this year. As part of the partnership, Experian will be sponsoring four courses in Python and Data, and our employees are volunteering to co-lead these courses. Experian will also be sponsoring 10 Code First Girls’ Nanodegrees, with the aim of hiring these 10 graduates via our Software Engineering graduate programme in the UK. The four interns who recently completed their internships with us came from diverse backgrounds and introduced fresh perspectives. They've helped to drive our financial inclusion agenda by working on our United for Financial Health programme in South Africa and Italy, amongst other innovative projects. Watch the videos where our interns talked about their internship experience: Nicole Ngina, born, raised and currently in Kenya, and a recent diploma graduate of Strathmore University where she studied Business Information Technology. Betty Abate, originally from Ethiopia but grew up in the UK. Chelsi Goliath, a Computer Science student from South Africa. Kamile Sudziute, originally from Lithuania, but studied in London, where she just graduated from King’s College London with a degree in Philosophy, Politics and Economics. We are committed to developing women in tech and I’m pleased to welcome more talented young women to start their careers in tech with us. This year’s extension of our partnership with Code First Girls enables us to create a better tomorrow for more women to kickstart their careers in tech. Stay tuned for more updates on our journey with Code First Girls by following us on Facebook, Instagram, LinkedIn and Twitter.
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.
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.
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.
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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