Alex Lintner

Experian is a global data and technology company.

We help consumers and businesses to make financial decisions and protect their data and identities.

On the B2B side, we have four verticals, financial services, healthcare, automotive, and marketing services.

On the D2C side, we protect...

I would say we provide consumers with information that helps them understand, protect, and manage their financial lives.

So we help them build credit, qualify for their next desired loan.

My favorite example is they're getting their first mortgage, which is a hard thing to do in America, but a major wealth builder for Americans.

We give them access to comparing financial products so they can lower their borrowing costs.

We protect them from fraud and identity theft, like I mentioned earlier.

And we help them save when they buy car insurance.

Well, what you want to do is AI.

If I go straight to the AI topic, though, maybe we should back up a little bit.

If AI is a platform capability, it's not a feature.

And we use AI primarily to help embed governance, help explain ability, which is required by law and desired by the consumer, and to actually facilitate human oversight.

Um, so then when you, when you then back up, uh, uh, into, you know, where we came from and your, your question at the core with all the data that we hold from a technology perspective, and I'm the tech guy, so I'm going to talk about the technology.

Uh, that means that we apply data analytics and AI, uh,

into the hands of decision makers.

And those can be in businesses, financial institutions, mortgage companies, like you just said, but we also supply it to the consumer directly.

And the objective is the same.

The objective is to turn complex data, complex information into easy to understand, actionable guidance, so that either the lender or the consumer can make a confident decision.