Nilay Patel

Do you think you have the foundation to build this next generation of products?

You provide the tools that allow others to make decisions.

Sure.

But let me just try it again.

The answer to the question, do you think people like Experian, is not we're not Palantir.

That's a very low floor in a very specific way.

You've talked a lot about trust.

I'm saying right now the way individual Americans encounter the brand of Experian is not always positive.

In many cases, it's a faceless entity that controls a downstream decision that, yes, a financial institution is making.

But the recourse is low.

This is the tradeoff we've been talking about with scale this whole time.

AI might allow you to change the amount of recourse people have.

It also might allow, I don't know, a bunch of bad guys to launch ever more sophisticated attacks and get that data out.

There's more trade-offs here than not.

So I'm just asking about the foundation of trust that you're working with to begin with.

Do you think enough people like and trust Experian for you to build this next set of capabilities, which might make you even more powerful?

Sure.

I just think there's a feeling of helplessness that comes with that score sometimes, right?

There's a feeling of lack of records, particularly if you feel that score is wrong, right?

And that's where I think a lot of the – But that's why Boost, right?