• Experian delivered a record FY26, with revenue from ongoing activities up 13% at actual exchange rates and 8% organically to US$8.4 billion.
• Q4 organic growth reached 9%, highlighting strong momentum and consistent execution across the business.
• Nearly US$2 billion of revenue came from new and scaling products, supported by innovation, new B2B wins and a free membership base of more than 215 million.
• Experian is extending its AI leadership through the Ascend Platform, the ServiceNow partnership, Experian Agent Trust and new consumer experiences on ChatGPT and Snapchat.

We delivered a record FY26, at the top end of guidance, with revenue from ongoing activities rising 13% at actual exchange rates and 8% organically to US$8.4 billion. Organic growth was at 9% in Q4, further demonstrating the momentum in the business.

These results reflect more than strong execution. They show the power of our strategy, the trust placed in our data and decisioning capabilities, and the central role we are playing as businesses and consumers embrace AI to move with greater speed, confidence and impact. Read more here.

Across our business, we are building momentum by combining innovation at scale with deep client relationships and understanding of their needs. In FY26, we won new B2B clients, strengthened strategic relationships and expanded our free membership base to more than 215 million. This supported the US$2 billion in revenue (nearly ¼ of our total revenue) from new and scaling products, reflecting the strength of our innovation engine and our ability to turn new ideas into meaningful growth.

Our global platforms are helping define what comes next. By introducing agentic workflows within Ascend that bring together AI, data, analytics and decisioning, we are enabling clients to automate complex processes in ways that are more intelligent, trusted and scalable.

Our multi-year partnership with ServiceNow is another example of how we are extending that impact across the enterprise. We are also helping shape the trust layer for agentic commerce through Experian Agent Trust, a new framework designed to verify identity, intent and authorisation in AI-driven transactions.

We are also reimagining how consumers access trusted financial information in an AI-first world. In North America, we launched our Insurance Marketplace app on ChatGPT and integrated into Snapchat’s AI Sponsored Snaps offering, bringing AI-powered credit and personal finance information to new audiences at scale. In the UK and Ireland, we introduced the UK’s first credit score app on ChatGPT, while in Brazil we embedded our financial education content into conversational AI experiences.

Looking ahead, we see significant opportunities. Demand for trusted data, identity, verification and decisioning is growing as organisations look to scale AI responsibly, and we are uniquely positioned to help them do so.

Read our full financial statement here.

The post A Record FY26 Underscores How Experian Is Leading The Next Era Of AI-Enabled Growth appeared first on Experian Global News Blog.

The Forbes list is built on independent employee feedback, assessing how consistently organizations live their values, build trust, and create environments where people feel respected and heard. Being named among America’s best reinforces that our culture is not accidental. It’s intentional. It’s inseparable from how we innovate, including how we responsibly develop and use AI, to create better outcomes for employees, clients, and consumers.

Experian’s Chief Talent Officer Lesley Wilkinson was recently invited to talk about how culture, trust, and innovation come together at Experian at the Great Place to Work For All Summit and shared some of her sentiments.

Q: What does the Forbes recognition say about Experian’s culture today?
A: It tells us that our culture of appreciation, feedback, and inclusion is resonating. When people feel trusted and supported, they’re more engaged, and that fuels better ideas, collaboration, and performance.

Q: How does AI innovation fit into Experian’s culture?
A: Trust comes first at Experian. We’re a trusted institution for clients, consumers, and our employees, and that responsibility shapes how we innovate with AI. We view AI as an enabler, not a solution in itself. AI can help people make better, faster, and more informed decisions. Our “humans in the lead” approach ensures that fairness, transparency, and accountability remain non‑negotiable. Technology supports our work, but human judgment stays firmly in charge.

Q: Why is trust so central to Experian’s success?
A: Trust connects everything we do. Our employees trust our leadership, and millions of clients and consumers trust us with their data. Building and protecting that trust enables innovation, strengthens relationships, and drives long-term growth.

Learn more about Experian’s award-winning workplace culture by clicking here.

The post Experian Is One Of America’s Best Employers For Company Culture appeared first on Experian Global News Blog.

Recently, I had the opportunity to sit down with Congresswoman Young Kim (CA-40), co-chair of the Financial Literacy and Wealth Creation Caucus, to talk about something that affects millions of people every day: financial access. 

In that conversation, one thing became clear: broadening access to financial resources starts with equipping people with financial knowledge. When people understand how the financial system works, including how lending decisions are made and what options are available, they’re better positioned to make informed choices and plan for the future. 

But that’s not always easy. 

Families today are navigating real affordability pressures, from everyday expenses to finding fair and affordable financial options. And as we discussed, many consumers learn by doing, often making decisions without fully understanding the long-term impact. I’ve seen that firsthand, and it reinforces why access to clear, timely information is so important. 

That’s why financial literacy isn’t just important, it’s foundational. 

It also has to be practical. Effective financial education starts with meeting consumers where they are. Every person begins their financial journey in a different place, and the right tools at the right time can make a meaningful difference, whether someone is building credit, managing expenses, or planning for the future. 

We also discussed the need to modernize how we think about financial data. Today, many consumers demonstrate responsible financial behavior every day, such as paying rent, utilities, and other recurring bills, but not all of that activity is reflected in traditional systems. 

Expanding the way we look at financial behavior can help create a more complete picture — one that allows more consumers to access the financial tools and opportunities they need to move forward. 

If there’s one takeaway from our conversation, it’s this: talking about money matters. 

Too often, those conversations are avoided. But when we normalize them, we help people build confidence, ask better questions, and make more informed decisions. 

At Experian, we’re focused on helping make those conversations easier, helping more people feel informed, supported, and equipped to move forward with confidence. 

The post Expanding Financial Access: A Conversation With Congresswoman Young Kim appeared first on Experian Global News Blog.

When it comes to personal finances, most people do their best to make informed decisions. But financial decisions are not always simple and understanding how they work is not always straightforward.  

A recent Experian survey highlights just how real that challenge is. Nearly half of U.S. adults (47%) say they have made a financial decision they later regretted because they did not fully understand the terms. 

And it is not because people are not trying.  

In fact, 75% of consumers say financial education is important in helping people manage financial decisions responsibly. At the same time, there is still a gap. One-in-five say they are only slightly confident or not at all confident in their understanding of personal finance, and many continue to rely on informal sources for guidance. 

Where the gap shows up 

That lack of confidence shows up in real ways. 

Nearly half of U.S. adults (46%) say they always or often worry about covering monthly expenses. In that kind of environment, financial decisions carry even more weight, and the margin for error becomes smaller. 

At the same time, many consumers are turning to sources that may not always provide complete or reliable information. Forty-six percent say they rely on friends or family for financial advice, and 43% turn to online searches, while far fewer look to financial institutions (24%) or financial advisors (23%) for guidance. 

That creates a real risk because informal or incomplete information can lead to decisions people do not fully understand. 

It also highlights an important opportunity for the financial services community to do more to meet consumers where they are, with information that is accurate, accessible, and easy to understand. 

Why financial literacy matters more than ever 

From managing everyday expenses to planning for the future, consumers are navigating a growing number of financial tools, products, and decisions. But many are doing so without the clarity or confidence they need. 

That is why financial literacy is not just helpful. It is foundational. 

It helps people better understand their options, ask the right questions, and make decisions that align with their long-term goals. 

A more complete picture 

Another takeaway from the research is that consumers are open to new ways of understanding their financial lives. 

Nearly half of U.S. adults (48%) say including on-time payments such as rent, utilities, or other recurring bills in financial decisions would improve their financial opportunities. 

That reflects a broader shift. Consumers want systems that better align with how they actually manage their money day to day. 

For the financial services industry, that signals an important evolution. Expanding the types of information used to understand consumers’ financial behavior can help create a more accurate and inclusive view, one that recognizes responsible habits that may have previously gone unseen. 

That kind of progress has the potential to expand access and create more opportunities, particularly for consumers who may not fit neatly into traditional models. 

Looking ahead 

Improving financial outcomes starts with improving understanding. 

The findings reinforce a clear opportunity. When consumers have access to better information, clearer insights, and a more complete view of their financial behavior, they are better positioned to move forward with confidence. 

At Experian, we remain focused on helping advance that understanding through education, transparency, and responsible innovation, so more people can navigate their financial lives with clarity and confidence. 

The post Financial Confidence Starts With Understanding appeared first on Experian Global News Blog.

Soon, you won’t be the one making the purchase.

Your AI will.

And it won’t just assist. It will act on your behalf.

We are entering a new phase of commerce where AI agents evaluate options, make decisions and complete transactions for consumers. This shift challenges a fundamental assumption commerce has always relied on: that a human is behind every transaction.

If an AI initiates a transaction, how does a business know it can trust it?

A new model of commerce needs a new model of trust

With the advent of agentic transactions, interactions between businesses and consumers are changing. AI agents are acting on consumers’ behalf, and the signals that establish trust, identity, intent and authorization are becoming harder for businesses to verify.

Without a clear connection between people and the AI acting for them, agentic commerce introduces new risks: fraud, misrepresentation and unauthorized transactions.

What is needed is a new trust model for commerce. One that verifies the individual, the agent and the intent behind every action.

Building the trust layer for agentic commerce

Experian Agent Trust is designed to address this challenge.

It brings identity, and accountability into AI driven transactions, giving businesses the confidence to engage in this new model of commerce.

Experian is uniquely positioned to lead in this space. Today, our identity verification and fraud detection solutions help clients avoid an estimated 15 to 19 billion dollars in fraud losses each year. Experian Agent Trust extends that foundation to a world where AI agents initiate transactions.

Agentic commerce will not scale without trust. Knowing there is a verified person associated with the autonomous shopping agents will be critical to building this trust.

At the center of this approach is Human-to-Agent Binding.

Human-to-Agent Binding creates a secure link between a verified consumer, their device and the AI agent acting on their behalf. Each agentic transaction can be traced back to the human who initiated the transaction.

This capability is part of a broader Know Your Agent framework that extends identity verification into the age of AI.

Trust is built across the ecosystem

Establishing trust in agent driven commerce requires coordination across the ecosystem.

The emerging standards and frameworks put forth by agentic commerce ecosystem contributors including Visa, Cloudflare and Skyfire form a layered trust framework that connects identity, payments and network validation, creating a secure path from intent to transaction.

Consider a simple interaction that is quickly becoming possible in agent-driven commerce.

A consumer might ask their AI agent to find the best noise-cancelling headset for an upcoming trip. The agent evaluates options based on preferences, selects a recommendation, for example a set of Bose headphones, and prepares the transaction for approval. Once authorized, Human-to-Agent Binding confirms the agent is acting on behalf of a verified individual, every step of the journey.

The experience remains simple and convenient for the consumer. At the same time, the business has confidence that the transaction is being made by a verified consumer.

As AI agents take on a greater role in commerce, accountability becomes essential. Experian Agent Trust includes an Agent Trust Token that provides a real time signal of identity, consent and fraud risk, supported by an Agent Registry that continuously evaluates behavior over time.

The framework is platform agnostic and designed to integrate with existing systems, allowing businesses to scale trusted interactions without disruption.

Defining the next era of commerce

AI agents will reshape how consumers and businesses interact.

They will unlock new levels of convenience and personalization, while also introducing new complexity.

The organizations that succeed will be those that can establish trust across every interaction, including those initiated by AI.

Experian Agent Trust represents a foundational step in defining the trust layer for agentic commerce, extending Experian’s leadership in identity verification and fraud prevention into this next era.

Because agentic commerce is not just an evolution of digital commerce.

It is a new system.

And every system needs a foundation.

Experian is helping build the trust layer that makes agentic commerce possible.

The post Experian Agent Trust™: Powering The Next Wave Of AI-Driven Commerce appeared first on Experian Global News Blog.

As the parent of three daughters—ages 9, 11, and 14—I see this evolution firsthand every day. Their phones and tablets are their lifeline to friends, learning, and discovery, and I’m constantly amazed by how quickly they absorb information while also feeling the responsibility to make sure what they’re consuming is accurate and trustworthy.

For many young adults, financial advice no longer starts with institutions. It starts in conversations, on social platforms, and often from unverified sources. That shift is shaping how we think about financial education at Experian, and it’s why we’re excited to bring trusted, AI‑powered financial information soon into Snapchat through its AI Sponsored Snaps ad offering. Snapchat has millions of monthly users and is one of the most conversation‑driven platforms out there^[i]. That makes it a natural place to share helpful information in a way that feels timely, familiar, and approachable.

If we want to help people feel more confident about money, we can’t wait for them to come find us. We need to show up where curiosity naturally happens, including in the middle of everyday conversations they’re already having. Soon in Snapchat Chats, users will be able to engage with Experian through an AI-powered conversational experience to ask questions and receive easy-to-understand guidance.

Extending financial knowledge beyond our own platforms

This is another step in expanding Experian’s presence into places where people start making decisions. Recently, we integrated with ChatGPT to help consumers explore auto insurance options through the Experian Marketplace, which is another example of how we are showing up outside of our platform. Together, these efforts and future expansions are about meeting people in a comfortable environment, giving them helpful information, and letting them decide how far they want to go.

For younger consumers especially, access to credible financial education early on can really matter. There’s a lot of noise online, and it’s not always clear where advice is coming from. Showing up with trusted information helps cut through that and makes it easier to start building confidence.

Consumer-First AI at work

AI helps make all this possible by allowing us to deliver financial insights quickly, efficiently, and across a growing number of platforms. But for me, technology is only meaningful when it’s grounded in humanity.

I care deeply about how our work shows up and truly impacts people. When we meet consumers with empathy and trusted information in spaces they already know and enjoy, we become more than a tool. We become a supportive financial co‑pilot, helping them navigate questions and decisions throughout their life journey.

That human impact is what inspires me most. It’s also what makes experiences like this partnership with Snapchat so rewarding because it shows how innovation, when thoughtfully applied, can help people feel more informed, confident, and empowered on an everyday basis.

^[i] Source: Snap Inc.

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This recognition highlights our efforts to reimagine the workplace by combining artificial intelligence, modern digital tools, and trusted data to help our people do their best work every day.

For more than 40 years, the CIO 100 Awards have recognized organizations that use technology to create real business impact. This year’s winners show what is possible when AI, data, cloud, and security come together with a clear purpose.

Making AI Work for People

At Experian, AI is not just a buzzword. It is a practical tool that helps employees save time, work more efficiently, and make better decisions.

Just as important as what AI can do is how it is used. We have built strong guardrails around data governance, privacy, and security to ensure everything we do is responsible and trustworthy. Human oversight remains essential because the best outcomes come from combining technology with human judgment.

Today, thousands of Experian employees use AI powered tools to automate routine tasks and focus on higher value work.

As Alex Lintner, CEO of Technology and Software Solutions at Experian, said:

“This recognition reflects how we are bringing together AI, a modern digital workplace, and trusted data to drive real innovation. By giving our employees the right tools, we are helping them move faster, make better decisions, and deliver better outcomes for our customers.”

Turning Transformation Into Results

Led by the digital workplace team, this transformation delivers measurable results. More than 17,000 Experian employees now use AI powered tools, generating over one million interactions each month. Onboarding readiness exceeds 90 percent, employee satisfaction averages 4.5 or higher, and first call resolution rates have improved to about 85 percent.

This progress is supported by a global operating model and a cloud first approach, including our work with AWS, which helps us scale and innovate faster.

Innovation Beyond the Workplace

The same focus on AI and data is shaping how we serve customers.

The Experian Ascend Platform helps businesses make smarter decisions using machine learning and real time insights. It is used by more than 1,400 users worldwide, processing millions of credit reports and billions of transactions each year.

On the consumer side, tools like EVA, Experian Virtual Assistant are making financial guidance more accessible through personalized, conversational experiences.

Looking Ahead

This award is an important milestone, but it is only part of a larger journey.

We will continue investing in AI, data, and technology to lead change. By empowering our people with the right tools and trusted data, we are building a strong foundation for continued innovation.

The post Experian Named A 2026 CIO 100 Award Winner For AI Driven Workplace Transformation appeared first on Experian Global News Blog.

The Chartis report evaluates companies that support banks in using analytics to guide strategy, modeling, and go to market efforts. This recognition reflects our focus on combining trusted data with advanced analytics and AI to deliver clear, confident decisioning.

Driving Smarter Decisioning with Data and AI

“Experian continues to set a benchmark in retail banking analytics,” said Anish Shah, Research Director at Chartis Research. “Its cloud-native, AI-powered platform delivers fast, transparent and accurate risk decisioning – as reflected in its top 3 placing in Chartis’ Retail Banking Analytics50 2025 ranking.”

At the center of this recognition is the Experian Ascend Platform, which brings together advanced analytics, trusted data, and decisioning capabilities in one unified environment. The platform enables organizations to move easily from data exploration to model deployment and monitoring, while maintaining strong governance and compliance throughout the process.

For more than 15 years, we have invested in AI and advanced analytics to help financial institutions transform complex data into meaningful insights. These capabilities support better decision making across the customer lifecycle, from onboarding and credit risk to fraud prevention and portfolio management.

Commitment to Governance, Compliance, and Trust

This recognition underscores our continued innovation in helping customers streamline decision making, strengthen fraud prevention, and maintain compliance with evolving data privacy regulations.

Also being recognized for our analytics governance framework reinforces our commitment to responsible data use and transparency. As regulatory expectations continue to evolve, strong governance has become essential for financial institutions looking to scale analytics with confidence.

To learn more about the Chartis Retail Banking Analytics50 2025 ranking and award winners, visit the Chartis Research website.

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Trust is foundational to everything we do at Experian. It’s how we build products people rely on, how we serve clients and consumers, and how we work together every day. That focus makes this year’s recognition from Fortune’s 100 Best Companies to Work For List even more meaningful.

For 2026, Experian soared to ranking No. 38—our highest placement ever and a more than 20‑spot jump from last year. This marks our seventh consecutive year on the list.

What makes this honor especially significant is how it’s earned. The ranking is based entirely on employee feedback from the Great Place to Work survey. Our people told us they feel welcomed, trusted to do their jobs, respected for who they are, and valued for the impact they make. They shared that Experian is a place where people can be themselves and count on one another.

That internal trust matters externally. When employees trust their workplace, they do their best work. That translates directly into the trust our consumers and clients place in us—to handle data responsibly, deliver insights with integrity, and help people and businesses move forward with confidence.

Our way of working has earned Experian the 2026 BIG Innovation Award for its AI-powered Experian-Assistant for Model Risk management, Top Score in the 2026 Equality 100, Best Place to Work for Disability Inclusion, and as one of the 25 World’s Best Workplaces 2025.

This recognition reflects the culture our teams continue to build across North America—one grounded in trust, accountability, and purpose. We’re proud of the progress we’ve made, and we know there’s always room to go further.

Thank you to everyone who places their trust in Experian. We don’t take it lightly.

Learn more in the Experian 2025 Power of YOU Reports: English  |  Portuguese  |  Spanish

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