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
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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.

We recently wrapped up a special community outreach effort during Financial Literacy Month that reflects something important to Experian – helping consumers, especially underserved populations, understand credit and how to harness it to their benefit. It’s important to rally around a cause like this at peak times throughout the year, but financial literacy and, more importantly, financial power for all is what drives us every day, every month and every year. Empowering consumers is the fuel behind our innovation and the portfolio of credit tools we have developed in the past few years and those to come. While there are different viewpoints around the use of credit scores to assess consumers’ credit-worthiness, credit bureau data remains the most effective means for understanding a consumer’s financial situation. This is why we continually innovate to find new ways of utilizing that data to give consumers more control and allow lenders to see well-rounded consumer profiles. Our charter led to the launch of the first-of-its-kind tool, Experian Boost. By allowing consumers the ability to directly add positive payment history for recurring utility and telecom bills – even video streaming services – to their Experian credit report, they can take a proactive step to improve their credit score and gain more control. While lenders benefit by seeing additional data about consumers that considers positive behavior for paying these types of recurring bills that hasn’t been factored in the past. It’s a win-win situation, and we’ve seen the positive results. To date, Experian Boost users have gained access to more than 1.7 billion total dollars in credit as a result of improving their credit scores, while 1 million consumers added a credit card in the first year after the launch. Also, nearly 250,000 consumers acquired an auto loan and some consumers earned a credit score for the first time. For those who had thin files and weren’t able to enter the credit ecosystem before, obtaining a credit score for the first time and learning how to improve it can be life changing. Our mission is to drive financial inclusion and facilitate access to fair and affordable credit for consumers; that objective is not just on our minds during one particular month out of the year. Experian Boost was a lengthy initiative in the making, and we believe one big step in the right direction to achieve our objective. It won’t stop there. I’m looking forward to more innovation to come that continues to assist consumers in gaining more credit knowledge and control over their credit in order to reach their financial goals.

In many countries around the world June 1st marks the beginning of Pride Month. This annual celebration of the LGBTQ+ community is a time to reflect on the progress that has been made and the work there is still to do for LGBTQ+ equality around the world. As well as being a time of celebration, Pride Month offers a chance for us to get to know each other better. It is a time to think about how we create a truly inclusive workplace for everyone, regardless of sexual orientation, gender identity or gender expression. Everyone should feel safe, included and respected at work. It is up to all of us to create the right environment for LGBTQ+ colleagues to prosper and thrive, and we’re proud to work closely with partners like Stonewall and Out & Equal to help us achieve that goal. Around the world, Experian stands for diversity, for equity and inclusion. We support and welcome our LGBTQ+ colleagues, and we are proud to celebrate with you today and every day.

This morning, we announced our year-end earnings. Once again, we have demonstrated our resilience in the most difficult of circumstances. With this set of results, I am pleased to report that Experian has now grown through two major global economic downturns. None of this would have been possible without the incredible hard work and commitment of everyone in the company. The coronavirus pandemic is the gravest crisis faced by the world for a generation. From the beginning, Experian moved quickly to make our data insights available to governments, health services, communities, businesses and charities around the world. We also worked rapidly with lenders and governments to support financial accommodation programmes. This has proven to be crucial in making sure financial assistance reached those who needed it, helping people to manage their financial health and ensuring that our economies kept moving through these turbulent times. Looking ahead to the next financial year, our vision for Experian is to continue to bring the benefits of our world class data and analytics capabilities directly to consumers and wider society. Data-led decision making, and technology have been critical in helping humanity to take on the biggest challenge in a generation. It will be a crucial driver of the global economic recovery, helping us all to bounce back stronger and providing the foundations to flourish in the years ahead. I am tremendously proud of our employees around the world. Our people’s professional and personal responses to the pandemic, and the results we have delivered, have been remarkable. We have worked from our kitchen tables, while home-schooling our children, and caring for our family members. We have pulled together and gone above and beyond during one of the most turbulent times in a generation. There can be no greater testament to the character and the strength of our team. I think it’s no overstatement to say that we have delivered one of our most remarkable performances ever. We have made important strategic progress. We have pressed ahead with new product innovation, with our technology transformation, and we have extended our presence across many new markets and segments. As we enter our next year, we do so with strong foundations for further growth and the uplifting confidence that even through the most challenging of times, we can and will continue to create a better tomorrow for everyone.
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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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