# Experian for banks: pricing, customers, review

Source: https://www.bankingnewsai.com/vendors/experian
Last updated: Nov 3, 2026

*Sells banks credit data plus decisioning, fraud and analytics software, increasingly through the cloud Ascend Platform, to which it has added generative and agentic AI tools since 2024.*

## What is Experian, and which banks use it?

Experian is a FTSE 100 credit bureau and data company (LSE: EXPN), headquartered in Dublin, that sells banks credit decisioning, fraud and analytics software through its Ascend Platform, PowerCurve and CrossCore. Among our 100 US banks, Experian names Santander Bank as a long-standing fraud and Ascend Platform client; abroad it names Lloyds Banking Group, Standard Chartered, HSBC and Santander UK. Pricing is not published; business products are sold through sales-led contracts.

## At a glance

| Field | Value |
| --- | --- |
| Category | [Credit decisioning](https://www.bankingnewsai.com/ai-tools/credit-decisioning) · [Fraud detection](https://www.bankingnewsai.com/ai-tools/fraud-detection) |
| Founded | 1996 |
| Headquarters | Dublin, Ireland |
| Ownership | Public company listed on the London Stock Exchange (EXPN) and a FTSE 100 constituent since it demerged from GUS on 10 October 2006; corporate headquarters in Dublin, Ireland. ([Experian plc](https://www.experianplc.com/newsroom/press-releases/2026/full-year-results-fy26), [Experian plc](https://www.experianplc.com/about-us/our-history)) |
| Ticker | LSE: EXPN |
| Deployment | SaaS and APIs (Ascend Platform hosted in a hybrid-cloud environment; CrossCore is a cloud fraud and identity platform) |
| Pricing model | Sales-led enterprise contracts for decisioning, fraud and analytics software and data, quoted per client |
| Banks among the 120 largest US banks | 1 |

## Products

| Product | What it does | Status | Sources |
| --- | --- | --- | --- |
| Experian Ascend Platform | Cloud platform combining Experian data, analytics, credit decisioning and fraud software in one interface, with single sign-on across Experian tools. | Generally available | [Experian (retrieved 2026-11-02)](https://www.experian.com/business/products/ascend), [Experian plc](https://www.experianplc.com/newsroom/press-releases/2024/enhanced-experian-ascend-technology-platform--transforms-softwar) |
| Ascend Analytical Sandbox and Ascend Ops | A cloud analytics environment with years of credit data on 245 million consumers plus SAS, Python and Tableau tools, and Ascend Ops (June 2023) for deploying and managing models built in open-source languages. | Generally available | [Experian (retrieved 2026-11-02)](https://www.experian.com/business/products/ascend-analytical-sandbox), [Experian plc](https://www.experianplc.com/newsroom/press-releases/2023/experian-unveils-ascend-ops-an-industry-first-solution-to-transform-lender-operations) |
| PowerCurve decisioning | Enterprise credit decisioning engine for originations, customer management and collections, combining machine-learning analytics with Experian and partner data. | Generally available | [Experian (retrieved 2026-11-02)](https://www.experian.com/business/products/powercurve), [Experian plc](https://www.experianplc.com/newsroom/press-releases/2014/santander-selects-experian-to-support-customer-acquisition-and-business-growth) |
| CrossCore (with Precise ID and NeuroID) | Cloud digital identity and fraud platform that orchestrates Experian, partner and in-house fraud checks, risk-based authentication and identity proofing; NeuroID behavioural analytics are available through it since August 2024. | Generally available | [Experian (retrieved 2026-11-02)](https://www.experian.com/business/products/crosscore), [Experian plc](https://www.experianplc.com/newsroom/press-releases/2024/experian-acquires-behavioral-analytics-pioneer-neuroid) |
| Experian Assistant | Generative-AI assistant integrated with the Ascend Platform that helps data scientists explore data, select features, write code and monitor models in natural language; launched October 28, 2024. | Generally available | [Experian plc](https://www.experianplc.com/newsroom/press-releases/2024/experian-launches-new-genai-solution-to-greatly-accelerate-the-m), [Experian (retrieved 2026-11-02)](https://www.experian.com/business/products/experian-assistant) |
| Experian Assistant for Model Risk Management | Model documentation, validation and monitoring templates and workflows for SR 11-7 and SS1/23, built on ValidMind technology and integrated into Ascend; launched July 31, 2025. | Generally available | [Experian plc](https://www.experianplc.com/newsroom/press-releases/2025/new-ai-powered-experian-assistant-for-model-risk-management-stre), [Experian (retrieved 2026-11-02)](https://www.experian.com/business/products/assistant-for-model-risk-management) |
| Agent Operating System | A governed agentic-AI layer within the Ascend Platform for Experian, client and partner AI agents across the lending lifecycle; launched June 2, 2026, with ServiceNow as first integration partner. | Generally available | [Experian plc](https://www.experianplc.com/newsroom/press-releases/2026/experian-brings-trusted-agentic-ai-to-financial-services-with-th) |
| Financial Crime Compliance Perpetual Monitoring (UK) | Continuous monitoring of customer data that flags changes indicating KYC/AML risk instead of periodic manual reviews; launched September 2025 after pilots with major banks, with wider rollout over the following year. | Generally available | [Experian plc](https://www.experianplc.com/newsroom/press-releases/2025/experian-launches-new-solution-to-help-banks-and-lenders-combat-) |

## How much does Experian cost?

How it is charged: Sales-led enterprise contracts for decisioning, fraud and analytics software and data, quoted per client.

Experian does not publish a price list.

Pricing is not published; Experian's product pages for Ascend, PowerCurve, CrossCore and Experian Assistant list no prices. Experian's published consumer credit-report prices are not relevant to its bank software.

## Which banks use Experian?

| Bank | What | Status | Sources |
| --- | --- | --- | --- |
| [Santander US](https://www.bankingnewsai.com/banks/santander-us) | Fraud prevention for new-account application review and the Ascend Platform at Santander Bank, a relationship Experian says began nearly a decade before its February 2026 case study. | In production | [Experian](https://www.experian.com/blogs/insights/how-santander-bank-strengthens-fraud-strategy-and-improves-net-promoter-scores/) |

Among the [120 largest US banks](https://www.bankingnewsai.com/banks) on this site, from sources that name the bank.

## Flagship platform: Experian Ascend Platform

A cloud-based analytics, decisioning and fraud platform that brings Experian data, the Ascend Analytical Sandbox, model deployment (Ascend Ops), the CrossCore fraud and identity hub and the generative-AI Experian Assistant into one interface; the Agent Operating System, launched June 2026, adds a governed layer for Experian, client and partner AI agents. ([Experian (retrieved 2026-11-02)](https://www.experian.com/business/products/ascend), [Experian plc](https://www.experianplc.com/newsroom/press-releases/2024/enhanced-experian-ascend-technology-platform--transforms-softwar), [Experian plc](https://www.experianplc.com/newsroom/press-releases/2026/experian-brings-trusted-agentic-ai-to-financial-services-with-th))

## Key points

- Experian reported FY26 (year to 31 March 2026) statutory revenue of US$8,445 million, up 12%, with B2B organic revenue growth of 8% led by alternative data, mortgage, fraud prevention and analytics.
- Financial Services made up 53% of group revenue in FY26; in Q1 FY27 Experian said North American Financial Services growth was driven by its Ascend analytics solutions and fraud prevention products.
- Experian has added generative and agentic AI to the Ascend Platform: Experian Assistant for modelling (October 2024), Experian Assistant for Model Risk Management with ValidMind (July 2025) and the Agent Operating System, with ServiceNow as first partner (June 2026).
- It has bought fraud and identity capabilities: behavioural-analytics firm NeuroID (August 2024), UK KYC firm KYC360 (October 2025) and email-intelligence firm AtData (February 2026).
- Experian's US credit-reporting arm is being sued by the CFPB, which alleges since January 2025 that it failed to properly investigate consumer credit-report disputes; a court ordered Experian to answer the second amended complaint in October 2025 and discovery is ongoing.
- Outside our 100 US banks, Experian names Lloyds Banking Group (Automated Portfolio Monitoring for perpetual KYC, in use by 2025), Standard Chartered (machine-learning credit decisioning on PowerCurve, launched in India in 2019), HSBC (Strategy Management decision engine, selected 2006 and in use in 2010) and Santander UK (five-year PowerCurve contract, 2014).
- Pricing for Ascend, PowerCurve and CrossCore is not published.

## Timeline

- Jun 2, 2026 — **Launches Agent Operating System** Experian launched an agentic-AI layer within Ascend for fraud checks, credit decisions and portfolio monitoring, with ServiceNow as the first integration partner. ([Experian plc](https://www.experianplc.com/newsroom/press-releases/2026/experian-brings-trusted-agentic-ai-to-financial-services-with-th))
- Feb 23, 2026 — **Acquires AtData** Experian acquired email-intelligence firm AtData, adding over 10 billion email addresses to its identity and fraud data. ([Experian plc](https://www.experianplc.com/newsroom/press-releases/2026/experian-fortifies-identity-and-fraud-capabilities-with-acquisit))
- Sep 9, 2025 — **Perpetual KYC monitoring launched in the UK** Experian launched Financial Crime Compliance Perpetual Monitoring and said it had developed the first version, Automated Portfolio Monitoring, with Lloyds Banking Group. ([Experian plc](https://www.experianplc.com/newsroom/press-releases/2025/experian-launches-new-solution-to-help-banks-and-lenders-combat-))
- Jul 31, 2025 — **Launches Experian Assistant for Model Risk Management** Experian added model documentation, validation and monitoring tools built on ValidMind technology to the Ascend Platform. ([Experian plc](https://www.experianplc.com/newsroom/press-releases/2025/new-ai-powered-experian-assistant-for-model-risk-management-stre))
- Jan 7, 2025 — **CFPB sues Experian over dispute handling** The CFPB sued Experian Information Solutions, alleging FCRA violations in how it reinvestigated consumer credit-report disputes; the case was in discovery as of early 2026. ([Consumer Financial Protection Bureau](https://www.consumerfinance.gov/enforcement/actions/experian-information-solutions-inc/))
- Oct 28, 2024 — **Launches Experian Assistant** Experian launched Experian Assistant, a generative-AI tool on Ascend that it says cuts model-development timelines from months to days. ([Experian plc](https://www.experianplc.com/newsroom/press-releases/2024/experian-launches-new-genai-solution-to-greatly-accelerate-the-m))
- Aug 13, 2024 — **Acquires NeuroID** Experian acquired behavioural-analytics firm NeuroID and made its signals available through CrossCore on the Ascend Platform. ([Experian plc](https://www.experianplc.com/newsroom/press-releases/2024/experian-acquires-behavioral-analytics-pioneer-neuroid))
- May 22, 2024 — **Unifies credit, fraud and analytics in Ascend** Experian brought its analytics, credit decisioning and fraud software into a single Ascend Technology Platform interface. ([Experian plc](https://www.experianplc.com/newsroom/press-releases/2024/enhanced-experian-ascend-technology-platform--transforms-softwar))
- Jun 21, 2023 — **Launches Ascend Ops** Experian launched Ascend Ops for model deployment and management, saying more than 50 financial institutions were early adopters. ([Experian plc](https://www.experianplc.com/newsroom/press-releases/2023/experian-unveils-ascend-ops-an-industry-first-solution-to-transform-lender-operations))
- Oct 15, 2020 — **Standard Chartered machine-learning decisioning** Experian announced Standard Chartered's use of PowerCurve Strategy Manager with machine learning, launched in India in December 2019, with rollouts planned in more markets. ([Experian plc](https://www.experianplc.com/newsroom/press-releases/2020/experian-partners-with-standard-chartered-to-drive-financial-inclusion-with-machine-learning-powering-the-next-generation-of-decisioning))
- Mar 20, 2014 — **Santander UK selects PowerCurve** Santander UK signed a five-year contract for PowerCurve Originations and PowerCurve Customer Management after a tender. ([Experian plc](https://www.experianplc.com/newsroom/press-releases/2014/santander-selects-experian-to-support-customer-acquisition-and-business-growth))
- Oct 10, 2006 — **Demerges from GUS and lists in London** Experian demerged from GUS to become an independent company listed on the London Stock Exchange. ([Experian plc](https://www.experianplc.com/about-us/our-history))
- May 15, 2006 — **HSBC selects Experian-Scorex decision engine** HSBC chose the Strategy Management business rules engine from Experian-Scorex for credit application decisions, starting in 22 countries; a 2010 Experian release said it was in use at HSBC and added Connect+ data integration in Asia. ([Experian plc](https://www.experianplc.com/newsroom/press-releases/2006/15-05-2006), [Experian plc](https://www.experianplc.com/newsroom/press-releases/2010/09-08-2010))
- Jan 1, 1996 — **Experian formed under GUS** Experian was formed when GUS combined its UK credit business with the US business previously known as TRW and rebranded them as Experian. ([Experian plc](https://www.experianplc.com/about-us/our-history))

## What do banks use Experian for?

| Use case | What | Status | Detail | Sources |
| --- | --- | --- | --- | --- |
| [Credit scoring & underwriting](https://www.bankingnewsai.com/ai-regulation/by-use-case#credit-underwriting) | Credit decisioning and underwriting models | In production | PowerCurve decision strategies and Ascend model development and deployment for originations and account management, including machine-learning models on alternative data. | [Experian plc](https://www.experianplc.com/newsroom/press-releases/2020/experian-partners-with-standard-chartered-to-drive-financial-inclusion-with-machine-learning-powering-the-next-generation-of-decisioning), [Experian (retrieved 2026-11-02)](https://www.experian.com/business/products/powercurve), [Experian plc](https://www.experianplc.com/newsroom/press-releases/2023/experian-unveils-ascend-ops-an-industry-first-solution-to-transform-lender-operations) |
| [Fraud detection](https://www.bankingnewsai.com/ai-regulation/by-use-case#fraud) | Application and identity fraud | In production | CrossCore orchestration of identity proofing, behavioural analytics (NeuroID) and fraud scores at account opening and login. | [Experian (retrieved 2026-11-02)](https://www.experian.com/business/products/crosscore), [Experian plc](https://www.experianplc.com/newsroom/press-releases/2024/experian-acquires-behavioral-analytics-pioneer-neuroid), [Experian](https://www.experian.com/blogs/insights/how-santander-bank-strengthens-fraud-strategy-and-improves-net-promoter-scores/) |
| [AML / KYC](https://www.bankingnewsai.com/ai-regulation/by-use-case#aml-kyc) | Perpetual KYC and AML monitoring | In production | Continuous monitoring that flags customer data changes for investigators, and KYC/KYB lifecycle tools from the KYC360 acquisition. | [Experian plc](https://www.experianplc.com/newsroom/press-releases/2025/experian-launches-new-solution-to-help-banks-and-lenders-combat-), [Experian plc](https://www.experianplc.com/newsroom/press-releases/2025/experian-acquires-kyc360-to-boost-fraud-and-financial-crime-solu) |
| [Model risk management](https://www.bankingnewsai.com/ai-regulation/by-use-case#model-risk) | Model risk documentation and validation | In production | Experian Assistant for Model Risk Management automates model documentation and validation workflows aligned to SR 11-7 and SS1/23. | [Experian plc](https://www.experianplc.com/newsroom/press-releases/2025/new-ai-powered-experian-assistant-for-model-risk-management-stre) |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | Generative and agentic AI on Ascend | In production | Experian Assistant for natural-language modelling and coding, and the Agent Operating System for governed AI agents in lending workflows. | [Experian plc](https://www.experianplc.com/newsroom/press-releases/2024/experian-launches-new-genai-solution-to-greatly-accelerate-the-m), [Experian plc](https://www.experianplc.com/newsroom/press-releases/2026/experian-brings-trusted-agentic-ai-to-financial-services-with-th) |

## Disclosed numbers

| Measure | Value | As of | Sources |
| --- | --- | --- | --- |
| Group revenue, FY26 (statutory) | US$8,445 million, up 12%; B2B organic growth 8% | Mar 31, 2026 | [Experian plc](https://www.experianplc.com/newsroom/press-releases/2026/full-year-results-fy26) |
| Financial Services share of group revenue | 53% (FY26) | Mar 31, 2026 | [Experian plc](https://www.experianplc.com/newsroom/press-releases/2026/trading-update--first-quarter-fy27) |
| Employees | 25,200 people across 33 countries | May 20, 2026 | [Experian plc](https://www.experianplc.com/newsroom/press-releases/2026/full-year-results-fy26) |
| Ascend Ops early adopters (vendor-reported) | More than 50 financial institutions | Jun 21, 2023 | [Experian plc](https://www.experianplc.com/newsroom/press-releases/2023/experian-unveils-ascend-ops-an-industry-first-solution-to-transform-lender-operations) |
| Ascend Platform ROI in an Experian-commissioned Forrester study | 183% ROI with payback within 12 months for a composite customer | Jun 4, 2025 | [Experian plc](https://www.experianplc.com/newsroom/press-releases/2025/independent-study-shows-experian-ascend-platform-offered-183--ro) |
| Fraud losses clients avoided (vendor-estimated) | An estimated $15 billion globally in the prior year | Aug 13, 2024 | [Experian plc](https://www.experianplc.com/newsroom/press-releases/2024/experian-acquires-behavioral-analytics-pioneer-neuroid) |

## Quotes

> "Agentic AI will reshape financial services, changing how decisions are made, how customers are served and how organisations operate at scale." — Vijay Mehta, General Manager AI, Experian Software Solutions, Jun 2, 2026 ([Experian plc](https://www.experianplc.com/newsroom/press-releases/2026/experian-brings-trusted-agentic-ai-to-financial-services-with-th))

> "APM has significantly reduced friction for our customers, streamlining touchpoints and creating a smoother, more seamless experience when we’re doing the checks we must do to protect and prevent financial crime." — Tom Martin, Business Platform Lead, Lloyds Banking Group, Sep 9, 2025 ([Experian plc](https://www.experianplc.com/newsroom/press-releases/2025/experian-launches-new-solution-to-help-banks-and-lenders-combat-))

> "This partnership helps the Bank manage risk more effectively with a more robust data-driven credit decisioning which in turn enables more clients to gain access to financial services at a time when they need it the most" — Vishu Ramachandran, Group Head, Retail Banking, Standard Chartered, Oct 15, 2020 ([Experian plc](https://www.experianplc.com/newsroom/press-releases/2020/experian-partners-with-standard-chartered-to-drive-financial-inclusion-with-machine-learning-powering-the-next-generation-of-decisioning))

## Who runs Experian?

- **Brian Cassin** — Chief Executive Officer, Experian plc ([Experian plc](https://www.experianplc.com/newsroom/press-releases/2026/full-year-results-fy26), [Experian plc](https://www.experianplc.com/newsroom/press-releases/2026/trading-update--first-quarter-fy27))
- **Jeff Softley** — Chief Executive Officer, Experian North America ([Experian plc](https://www.experianplc.com/newsroom/press-releases/2026/experian-fortifies-identity-and-fraud-capabilities-with-acquisit))
- **Malin Holmberg** — Chief Executive Officer, Experian UK and Ireland ([Experian plc](https://www.experianplc.com/newsroom/press-releases/2025/experian-acquires-kyc360-to-boost-fraud-and-financial-crime-solu))
- **Vijay Mehta** — General Manager AI, Experian Software Solutions ([Experian plc](https://www.experianplc.com/newsroom/press-releases/2026/experian-brings-trusted-agentic-ai-to-financial-services-with-th))
- **Kathleen Peters** — Chief Innovation Officer ([Fortune](https://fortune.com/2026/06/16/brainstorm-tech-agentic-ai-trust-enterprise-dynatrace-citi-ford-experian/))

## Which rules apply to a bank using Experian?

- [Federal Reserve](https://www.bankingnewsai.com/ai-regulation/federal-reserve) — Credit and fraud models a bank builds, buys or deploys on Ascend or PowerCurve are models it must inventory, validate and monitor under SR 26-2; Experian's model-risk assistant helps with documentation, but the validation duty stays with the bank. See [SR 26-2](https://www.bankingnewsai.com/ai-regulation/documents/fed-sr-26-2).
- [OCC](https://www.bankingnewsai.com/ai-regulation/occ) — A bank running credit decisions and fraud checks on Experian's hosted platform takes on third-party risk that OCC Bulletin 2023-17 expects it to manage, and OCC Bulletin 2026-13 sets expectations for vendor-supplied models such as Experian scores and machine-learning attributes. See [OCC Bulletin 2023-17](https://www.bankingnewsai.com/ai-regulation/documents/occ-bulletin-2023-17), [OCC Bulletin 2026-13](https://www.bankingnewsai.com/ai-regulation/documents/occ-bulletin-2026-13).
- [CFPB](https://www.bankingnewsai.com/ai-regulation/cfpb) — When a decision built on Experian data or models leads a bank to deny credit, ECOA/Regulation B and FCRA adverse-action duties apply, including key factors from the credit report; Experian itself is in CFPB litigation over FCRA dispute handling. See [ECOA / Regulation B adverse action (15 U.S.C. 1691(d); 12 CFR 1002.9)](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-ecoa-regulation-b-adverse-action), [FCRA adverse action and credit-score disclosures (15 U.S.C. 1681m, 1681g(f))](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-fcra-adverse-action-key-factors).
- [FinCEN](https://www.bankingnewsai.com/ai-regulation/fincen) — Experian's KYC, perpetual-monitoring and identity-fraud tools support a bank's BSA/AML customer due diligence and its defences against the deepfake-enabled identity fraud FinCEN's 2024 alert describes; the BSA obligations remain the bank's. See [FIN-2024-Alert004 (Deepfake Media)](https://www.bankingnewsai.com/ai-regulation/documents/fincen-alert-2024-deepfake-media), [2018 Joint Statement on BSA/AML Innovation](https://www.bankingnewsai.com/ai-regulation/documents/fincen-joint-statement-innovation-2018).

## What the record suggests

### Pricing is not published

Experian lists no prices for Ascend, PowerCurve, CrossCore or Experian Assistant; costs depend on a quote from Experian.

### Few named US bank users

Santander Bank is the only one of our 100 US banks Experian names as a user of its decisioning or fraud software; its other named bank users are UK and global groups, and the HSBC (2006, 2010) and Santander UK (2014) announcements have not been publicly confirmed since.

### Performance figures are vendor-reported or vendor-commissioned

The 183% ROI comes from a Forrester study Experian commissioned using a composite organization, and the $15 billion fraud-losses-avoided figure is Experian's own estimate.

### The vendor is also a data supplier

Experian sells both the bureau data and the decisioning software that uses it, so a bank's due diligence covers data accuracy as well as software, and the CFPB's pending FCRA case concerns that data business.

### Much of the AI is recent

Experian Assistant (2024), the model-risk assistant (2025) and the Agent Operating System (June 2026) are new; Experian has named few bank users of them publicly.

## FAQ

### How much does Experian's decisioning and fraud software cost?

Experian does not publish prices for its business software. Its product pages for the Ascend Platform, PowerCurve, CrossCore and Experian Assistant list no prices or plans, so costs depend on a quote from Experian. The prices Experian publishes for consumer credit reports and monitoring do not apply to the software it sells banks.

### Which banks use Experian?

Among the 100 largest US banks we track, Experian names Santander Bank, whose fraud team it says it has worked with for nearly a decade on new-account fraud review and the Ascend Platform (February 2026 case study). Outside the US it names Lloyds Banking Group (perpetual KYC monitoring, 2025), Standard Chartered (machine-learning credit decisioning on PowerCurve, 2020), HSBC (decision engine and data integration, 2006 and 2010) and Santander UK (PowerCurve contract, 2014).

### Who owns Experian?

Experian plc is a public company listed on the London Stock Exchange under the ticker EXPN and is part of the FTSE 100. It was formed in 1996 when GUS combined its UK credit business with the former TRW business in the US, and it demerged from GUS as an independent listed company on 10 October 2006. Its corporate headquarters are in Dublin, Ireland.

### Is Experian regulated?

Experian is not a bank. In the US its credit-reporting business is a consumer reporting agency subject to the Fair Credit Reporting Act and CFPB supervision, and the CFPB has been suing Experian Information Solutions since January 2025 over how it handles consumer disputes. When banks use Experian's software, they oversee it as a third-party vendor and remain responsible for their own credit and compliance decisions.

### What is the Experian Ascend Platform?

Ascend is Experian's cloud platform for banks and lenders that combines Experian credit data, an analytical sandbox, model deployment (Ascend Ops), credit decisioning and CrossCore fraud tools in one interface. Since 2024 Experian has added generative-AI tools to it: Experian Assistant for modelling, an assistant for model risk management, and in June 2026 an Agent Operating System for governed AI agents.

### What AI does Experian sell to banks?

Experian sells machine-learning credit and fraud models, the Experian Assistant generative-AI tool for building and monitoring models (launched October 2024), Experian Assistant for Model Risk Management built with ValidMind (July 2025), NeuroID behavioural analytics for fraud (acquired August 2024) and the Agent Operating System for AI agents in lending workflows (June 2026).

### What has Experian acquired for fraud and identity?

Experian acquired NeuroID, a behavioural-analytics company whose signals it made available through CrossCore on the Ascend Platform, in August 2024; KYC360, a UK customer lifecycle management and KYC/KYB company, in October 2025, with integration into Ascend planned for the following year; and AtData, an email-intelligence company that added over 10 billion email addresses to its identity data, in February 2026.

## Sources (26)

1. Full-year results FY26 — Experian plc, May 20, 2026. https://www.experianplc.com/newsroom/press-releases/2026/full-year-results-fy26
2. Trading update, first quarter FY27 — Experian plc, Jul 16, 2026. https://www.experianplc.com/newsroom/press-releases/2026/trading-update--first-quarter-fy27
3. Our history — Experian plc, Nov 2, 2026. https://www.experianplc.com/about-us/our-history
4. HSBC to use Experian-Scorex to improve its credit decisions globally — Experian plc, May 15, 2006. https://www.experianplc.com/newsroom/press-releases/2006/15-05-2006
5. Experian signs global data integration deal with HSBC — Experian plc, Sep 8, 2010. https://www.experianplc.com/newsroom/press-releases/2010/09-08-2010
6. Santander selects Experian to support customer acquisition and business growth — Experian plc, Mar 20, 2014. https://www.experianplc.com/newsroom/press-releases/2014/santander-selects-experian-to-support-customer-acquisition-and-business-growth
7. Experian partners with Standard Chartered to drive Financial Inclusion with Machine Learning, powering the next generation of Decisioning — Experian plc, Oct 15, 2020. https://www.experianplc.com/newsroom/press-releases/2020/experian-partners-with-standard-chartered-to-drive-financial-inclusion-with-machine-learning-powering-the-next-generation-of-decisioning
8. Experian unveils Ascend Ops, an industry-first solution to transform lender operations — Experian plc, Jun 21, 2023. https://www.experianplc.com/newsroom/press-releases/2023/experian-unveils-ascend-ops-an-industry-first-solution-to-transform-lender-operations
9. Enhanced Experian Ascend Technology Platform transforms software for credit, fraud and analytics — Experian plc, May 22, 2024. https://www.experianplc.com/newsroom/press-releases/2024/enhanced-experian-ascend-technology-platform--transforms-softwar
10. Experian acquires behavioral analytics pioneer NeuroID — Experian plc, Aug 13, 2024. https://www.experianplc.com/newsroom/press-releases/2024/experian-acquires-behavioral-analytics-pioneer-neuroid
11. Experian Launches New GenAI Solution to Greatly Accelerate the Modeling Lifecycle — Experian plc, Oct 28, 2024. https://www.experianplc.com/newsroom/press-releases/2024/experian-launches-new-genai-solution-to-greatly-accelerate-the-m
12. Experian Information Solutions, Inc. (enforcement action) — Consumer Financial Protection Bureau, Mar 13, 2026. https://www.consumerfinance.gov/enforcement/actions/experian-information-solutions-inc/
13. Independent Study Shows Experian Ascend Platform Offered 183% ROI for Global Banks and Lenders — Experian plc, Jun 4, 2025. https://www.experianplc.com/newsroom/press-releases/2025/independent-study-shows-experian-ascend-platform-offered-183--ro
14. New AI-Powered Experian Assistant for Model Risk Management Streamlines and Accelerates Governance Processes — Experian plc, Jul 31, 2025. https://www.experianplc.com/newsroom/press-releases/2025/new-ai-powered-experian-assistant-for-model-risk-management-stre
15. Experian launches new solution to help banks and lenders combat financial crime — Experian plc, Sep 9, 2025. https://www.experianplc.com/newsroom/press-releases/2025/experian-launches-new-solution-to-help-banks-and-lenders-combat-
16. Experian acquires KYC360 to boost fraud and financial crime solutions in the UK — Experian plc, Oct 27, 2025. https://www.experianplc.com/newsroom/press-releases/2025/experian-acquires-kyc360-to-boost-fraud-and-financial-crime-solu
17. Experian fortifies identity and fraud capabilities with acquisition of AtData — Experian plc, Feb 23, 2026. https://www.experianplc.com/newsroom/press-releases/2026/experian-fortifies-identity-and-fraud-capabilities-with-acquisit
18. How Santander Bank Strengthens Fraud Strategy — Experian, Feb 18, 2026. https://www.experian.com/blogs/insights/how-santander-bank-strengthens-fraud-strategy-and-improves-net-promoter-scores/
19. Experian brings trusted agentic AI to financial services with the launch of Agent Operating System — Experian plc, Jun 2, 2026. https://www.experianplc.com/newsroom/press-releases/2026/experian-brings-trusted-agentic-ai-to-financial-services-with-th
20. Citi, Ford, and Experian share their strategies for scaling AI agents — Fortune, Jun 16, 2026. https://fortune.com/2026/06/16/brainstorm-tech-agentic-ai-trust-enterprise-dynatrace-citi-ford-experian/
21. Ascend platform — Experian (retrieved 2026-11-02), Nov 2, 2026. https://www.experian.com/business/products/ascend
22. Ascend Analytical Sandbox — Experian (retrieved 2026-11-02), Nov 2, 2026. https://www.experian.com/business/products/ascend-analytical-sandbox
23. Credit decisioning and credit decisioning engine — Experian (retrieved 2026-11-02), Nov 2, 2026. https://www.experian.com/business/products/powercurve
24. CrossCore — Experian (retrieved 2026-11-02), Nov 2, 2026. https://www.experian.com/business/products/crosscore
25. Experian Assistant — Experian (retrieved 2026-11-02), Nov 2, 2026. https://www.experian.com/business/products/experian-assistant
26. Experian Assistant for Model Risk Management — Experian (retrieved 2026-11-02), Nov 2, 2026. https://www.experian.com/business/products/assistant-for-model-risk-management

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