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.

I still remember buying my first home in Southern California in my mid 20’s. After going through countless open houses and unfamiliar living rooms, I found a home that met my needs. I decided to take the plunge, put an offer in, and hope for the best. It was a roller coaster of emotions – excitement, fear, joy, and pride. Owning a home is considered a mark of financial achievement. It not only builds generational wealth but also contributes to the generational vibrancy of communities. For many, the COVID-19 pandemic has pushed that dream further out of reach or threatened to take it away. That’s why we are thrilled to announce the launch of the Home Preservation Grant. We are partnering with the NAACP Empowerment Programs for this pilot program, which will provide up to $10,000 in grants to select African American homeowners at risk of losing their homes because of COVID-19-related hardship. The Home Preservation Grant is part of our United for Financial Health program here at Experian, which aims to empower and protect vulnerable consumers to improve their financial health through education and action. For this pilot, we are targeting homeowners in the Atlanta, Ga. area and we plan to expand the program to other cities across America in the future. The application process is open now and ends on December 8. Grant recipients will be announced on December 14, providing what we hope will be some much needed relief in time for the holidays.

2020 has been a year that has significantly impacted us all and the shockwaves are likely to challenge us for some time to come. One of the big disappointments for the data and tech industry is the postponement or cancellation of a number of major events – including the likes of Women in Data, which Experian was a proud Gold sponsor in 2019. Although we are not able to celebrate the Women in Data flagship event in person this year, we are thrilled to be an official partner of the very first WiD Week. This is a fantastic opportunity that will allow us to virtually gather together, support each other, and learn while in a safe online environment, driven by content that the Women in Data community needs right now. We are particularly excited to be hosting a session on Tuesday 24 November, which will focus on our support of Girls in Data. In this session, Experian’s Emily Capewell and Louise Maynard-Atem will be providing some thoughts on their involvement with the recent data challenge we hosted during the last lockdown. The data challenge was designed to help inspire young girls and boys to pursue a career in STEM. Louise will also be speaking on Thursday about her experience of 2020 and how we can action change as we head into 2021. This will be one of six short stories to mark Women in Data’s sixth birthday. We are extremely excited to be involved with WiD Week and while it will be slightly different this year, we hope our involvement can help empower and encourage more women into the data industry, supporting the next generation of data scientists who can help shape the future. You can find out more about WiD Week here.

For the past several years, Experian has been on a journey to help drive financial inclusion for millions of people around the world. This has required significant focus on how we operate, who we partner with, and the products and solutions we offer. Four years ago, when we decided to partner with and invest in Finicity, a leading financial data aggregator based in Salt Lake City, we did so on our strong belief in consumer-permissioned data and our shared vision with their leadership team. At the time, we knew Finicity’s commitment to empower consumers and drive the digital revolution fit perfectly with our priorities. Over the years, this has proven to be true time and time again as we’ve leveraged Finicity’s technology capabilities to create enormous opportunity for our clients and improve financial access for consumers. One example is our partnership on Experian Boost. With the support of Finicity’s infrastructure, more than 4.9 million consumers have connected to Experian Boost to contribute their on-time payments for their telecommunications, utility, streaming service and cell phones directly to their Experian credit reports. Through Experian Boost, and access to real-time consumer-permissioned data, we are increasing financial inclusion by helping lenders identify more consumers who can pay responsibly. In an equally powerful testament to the power of consumer-permissioned data, our partnership with Finicity is helping streamline the homebuying experience for consumers and lenders. As a distribution partner of Finicity’s Verification Solutions, we are delivering Verification of Assets (VOA), Verification of Income (VOI) and Verification of Income and Employment (VOIE) to the mortgage market. This innovative digitization of data and analytics is streamlining experiences for borrowers and is a critically important step in modernizing the mortgage process. Additionally, we have clients successfully utilizing Finicity’s Verification Solutions in automotive underwriting, personal lending, tenant screening and other sectors. Earlier this week, Mastercard closed its acquisition of Finicity. This move, along with the overall trajectory of market demand, is testament to the fact that we clearly invested in the right capability, the right team and the right vision at the right time. But our journey together isn’t over, it has just been reinforced and will continue with Finicity even under new ownership. Our commitment to working with Finicity does not change with this news, it is only enhanced. Our drive to accelerate digital lending, empower consumers and drive more consumer-permissioned data solutions is higher than ever. We will continue to partner with Finicity, now part of the Mastercard family, as a central component of our strategy. We look forward to a continued strong relationship with this new, combined entity as we continue to bring innovative solutions for consumers and businesses to the table.
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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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