Experian

The company operates a data and analytics-centred business model. It aggregates credit and identity-related data, applies scoring and decisioning analytics, and distributes outputs via platforms and APIs to business customers. Revenue is generated from B2B contracts for bureau data access, decisioning software, fraud and identity platforms, and data quality tools, typically sold as SaaS, licences, and per-transaction services. A marketing data marketplace enables brands and agencies to activate audience segments for fees. Consumer products such as free credit score tools and credit-building features create value by improving consumer credit visibility and act as lead-generation channels into paid subscription services and partner offers, indirectly supporting the core data and analytics business.

Experian is a global credit bureau and data analytics company headquartered in Ireland and listed on the London Stock Exchange. It collects, organises and analyses consumer and business credit data to create credit reports and scores, and provides decisioning, fraud prevention, data quality and marketing data services to enterprises.

The group generates most of its revenue from financial institutions, lenders, enterprises and agencies that pay for access to credit data, risk scores, decisioning platforms, fraud and identity tools, and data-driven marketing services. It also operates consumer-facing services including free credit score tools used as acquisition funnels into paid credit monitoring, identity protection and partner offer programmes.