Fintech solutions for data, APIs and growth

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 we bring more than just data.

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, growth and supporting your compliance.

Solutions built for fintech speed, scale, and trust

We deliver the most comprehensive suite of fintech solutions designed to accelerate growth, reduce risk and enable real-time decisioning. Our multidimensional data, predictive analytics and cloud-native infrastructure you up for success at every stage.

Customer acquisition and marketing intelligence

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

Smarter risk decisioning

Go beyond traditional credit models with multidimensional data, advanced attributes and AI-powered decisioning. We help 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. We help 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, machine learning and credit attributes for predictive modeling. We help 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. Our APIs support fintechs building embedded lending, banking-as-a-service (BaaS) and open banking experiences with speed and supporting your compliance initiatives.

Commercial and SMB intelligence

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

Learn more about buy now, pay later

Protect consumer credit scores, better assess risk, and support responsible and inclusive lending

Learn more about BNPL

Real impact. Real results.

67%

improvement in credit decisioning efficiency using the Experian Ascend Platform™

50%

reduction in manual reviews from auto-rejecting users based on behavior

99.9%

consumer credit data accuracy, giving fintechs unmatched reliability for smarter decisions

Why Experian for fintechs?

We're more than a data provider. We're a strategic partner helping fintechs challenge convention, grow 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.

Fintech-first expertise

 Our dedicated fintech team understands the speed, scale and compliance pressures fintechs face and delivers solutions built to support them.

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. Our identity, fraud and data privacy solutions are built for fintech agility.

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.

Chief Executive Officer
Fintech

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.

Chief Financial Officer
Fintech

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.

Chief Credit and Analytics Officer
Fintech

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

We partner 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 nonfinancial apps and ecosystems

Capital markets fintechs

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

BaaS providers

Powering infrastructure fintechs with secure APIs, data to support your regulatory requirements 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

Grow faster with our fintech-ready APIs

Explore our developer portal for secure, scalable data solutions for identity, risk and embedded finance.

Explore the API hub

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.

Report

State of Fintech 2025: Trends, Risks & Growth Strategies

Explore key fintech trends, risks and strategies to grow smarter in 2025 with our latest insights.

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.

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Fintech solutions that go beyond bureau data