Fintech solutions

Partnering with fintechs to redefine what’s possible

In a market where speed, scale, and trust define success, fintechs can’t afford to follow the status quo. That’s why Experian brings more than just data. We bring perspective.

Our team of fintech specialists partner with you to uncover hidden risks, unlock new revenue, and accelerate your path to market with solutions built for innovation, compliance, and growth.

Solutions built for fintech speed, scale, and trust

Experian delivers the most comprehensive suite of fintech solutions designed to accelerate growth, reduce risk, and enable real-time decisioning with multidimensional data, predictive analytics, and cloud-native infrastructure.

Customer acquisition and marketing intelligence

Reach high-value customers faster with predictive insights, alternative credit data, and real-time targeting. Experian helps fintechs improve conversion, reduce acquisition costs, and personalize outreach at scale.

Smarter risk decisioning

Go beyond traditional credit models with multidimensional data and AI-powered decisioning. Experian helps fintechs expand access, reduce risk, and make faster, more confident credit decisions.

Fraud prevention and identity protection

Stop fraud before it starts with layered identity and fraud solutions. Experian helps fintechs verify users, detect synthetic identities, and protect every transaction with real-time intelligence.

Portfolio growth and optimization

Scale with confidence using cloud-native analytics and machine learning. Experian helps fintechs monitor performance, predict repayment behavior, and adapt to market shifts with precision.

Open banking and embedded finance enablement

Power your platform with secure, real-time financial data. Experian’s APIs support fintechs building embedded lending, Banking-as-a-Service (BaaS), and open banking experiences with speed and compliance.

Commercial and SMB intelligence

Unlock growth in the small business economy with linked consumer and commercial data. Experian helps fintechs underwrite smarter, serve entrepreneurs better, and expand into new markets with confidence.

Visit our API hub and developer portal

A one-stop shop for Experian’s data and robust, secure, turnkey API solutions

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Real impact. Real results.

30-50%

Lift in predictive accuracy using Experian Ascend Sandbox™ and alternative data attributes.

40%

Reduction in synthetic identity fraud within six months using Experian fraud detection tools.

99.9%

Consumer credit data accuracy, giving fintechs unmatched reliability for smarter decisions.

Why Experian for fintechs?

Experian is more than a data provider. We are a strategic partner helping fintechs challenge convention, scale faster and build trust at every touchpoint. With unmatched data breadth, deep fintech expertise, and cloud-native technology, we empower fintechs to make smarter decisions, reduce risk and unlock new growth.

Multidimensional data advantage

Tap into consumer, commercial, and alternative data to power smarter decisions across acquisition, risk, fraud, and growth.

Cloud-native, API-ready technology

Build faster with secure, scalable tools designed for embedded finance, open banking, and real-time decisioning.

Trusted compliance partner

Navigate evolving regulations with confidence. Experian’s identity, fraud, and data privacy solutions are built for fintech agility.

Proven impact at scale

From startups to unicorns, fintechs using Experian have reduced fraud by 40%, improved model accuracy by up to 50%, and accelerated speed-to-market.

Experian has allowed us to operate as a more developed firm than typical startups by providing us with capabilities throughout the customer lifecycle. From marketing to underwriting and account management, Experian continues to accommodate our growing business needs.

Joe DePaulo, Chief Executive Officer
College Ave

We partnered with Experian to help our startup customers build critical business credit in the marketplace. Experian has exceeded expectations — their partnership has been a large driver of our growth and customer value proposition.

Michael Tannenbaum, Chief Financial Officer
Brex

We compared Experian's data with the competition — and the quality was unmatched. We wanted to integrate unique capabilities, such as advanced modeling and DaaS, into our decisioning ecosystem. Experian partnered with us to stand up their best-in-class solutions.

Scott Bourdreau, Chief Credit and Analytics Officer
Fair Square Financial

We have the ability to build models from other existing models, which we couldn’t do otherwise because we would be limited to the extract methodology of our own data. So, we wouldn’t be able to model off anyone else’s data, just our own. With the sandbox methodology, we can model off other people’s data. … Having the sandbox helps reduce the time it takes to build models. It can take banks several months to build a model. Now, we can do it in hours. … From a timing perspective, it’s like a day-and-night difference.

Chief Credit Officer
Fintech

We're proud to be recognized across the industry

Talk to our fintech experts

Serving the fintech innovators shaping the future of finance

Experian partners with fintechs across the ecosystem from embedded lenders and neobanks to capital markets platforms and SMB-focused innovators. Our solutions are built to meet the speed, scale, and compliance demands of today’s most disruptive financial technologies.

Digital lenders

Empowering fintechs offering personal, student, and small business loans with smarter risk decisioning and alternative data insights.

BNPL and point-of-sale financing platforms

Helping BNPL providers and embedded lenders assess affordability, reduce fraud, and deliver frictionless customer experiences.

Neobanks and challenger banks

Supporting digital-first banks with identity verification, fraud prevention, and data-driven onboarding strategies.

Embedded finance platforms

Enabling fintechs to integrate lending, payments, and banking services directly into non-financial apps and ecosystems.

Capital markets fintechs

Partnering with platforms that digitize securitization, trading, and investor analytics—bringing transparency and scale to private credit.

Banking-as-a-Service (BaaS) providers

Powering infrastructure fintechs with secure APIs, compliance-ready data, and real-time decisioning tools.

SMB-focused fintechs

Helping fintechs serve entrepreneurs and small businesses with linked consumer-commercial data and alternative credit models.

Payments and money movement platforms

Supporting domestic and cross-border payment fintechs with fraud protection, identity resolution, and real-time data intelligence.

Insights

Study

The Total Economic Impact™ of Experian Ascend Platform

Discover how Experian Ascend Platform delivers 183% ROI and $13.3M NPV in Forrester Consulting's study.

Infographic

Fintech Trends Report: Who is the digital borrower?

We compare digital borrowers and other borrowers for unsecured personal loans and credit cards.

Webinar

Fraud and Identity Challenges for Fintechs

Experts discuss pressures impacting fintech growth and innovations for recognizing identity risks.

Report

2025 U.S. Identity and Fraud Report

Learn how how trust, tech and consumer expectations are reshaping identity and fraud.

Report

Fintech Trends Report: What you need to know for the second half of 2024

Experian’s data analysts equip fintechs to make strategic lending decisions & a roadmap for growth.

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