Building strong relationships is key to our success
Through our purpose, business model and strategic execution we aim to have a positive impact on all our stakeholders.
The people who use our products and services
Organisations that purchase our data assets, technology solutions and analytics
People who live in the areas where we operate
Everyone we employ
Those who supply goods or services to us directly
Institutions and policymakers in our regions
Current and potential owners of Experian shares and bonds
free members across the USA, Brazil, UK and Spanish Latin America
conversations with consumers
We put people in control of their financial well-being. We help them to access many financial services such as obtaining credit, saving money and paying bills. Because consumer data is at the core of our business, consumers need a company they can trust with that data and who will be their champion. Not only do we serve consumers directly, but our clients, whether they’re businesses or other organisations, serve consumers as their end customer. This is why consumers are at the heart of all we do.
Our consumers need access to credit services and data security; they need protection from fraud and identity theft; and they need high-quality, accurate data to monitor and manage their credit status.
credit decisions facilitated
We work hard to get to know our clients. We want to delight them, so we stay in tune with the issues and concerns they have and help them solve their problems. Whether that’s so they can gain faster, smarter insights from customer data; protect against fraud; or deliver more efficient, more personalised services to their customers using our sophisticated solutions.
Our clients want to enhance the services they offer — typically digital interactions. They need high-quality and accurate data to identify their customers and prevent fraudulent transactions, protect their data security, and meet compliance and regulatory requirements.
people reached through social-innovation projects
total spent on our community investment
We are helping people, across many communities, access credit and other financial services that they can use to take control of their financial circumstances and improve their lives. Our businesses support local economies in the areas in which we operate through employment and paying taxes. By helping businesses prosper, we enhance their potential as local employers.
All our communities need business success as this leads to employment and job creation. They need access to public services, long-term asset creation, inclusion in mainstream financial services and products and a healthy environment to live in.
We’re committed to our people. We support a positive, collaborative, diverse, equitable and inclusive culture and do all we can to make Experian a great place to work, where every person can bring their whole self to work. We listen to our people's views and value their feedback. We celebrate great performance and offer employees support to learn new skills and progress their careers, giving them a sense of purpose — an integral part of our organisational culture that has a positive impact globally.
Everyone who works at Experian needs to feel valued for their contribution and to feel supported, especially when working remotely. They need to feel they make a difference to society and can contribute to our engaging and empowering culture. They also want job security and career progression, backed by training and development.
suppliers in our three largest markets
key suppliers in our Supplier Relationship Management programme
Closer relationships with our suppliers, enabled through partnerships and fairness, help us to uncover and realise new value, increase savings and reduce costs and risk of failure, as well as ensuring that we meet our compliance obligations. Many of our data contributors are also our clients. They often supply us with data through a give-to-get model. Our ability to combine, clean, sort and aggregate data from thousands of data contributors creates a more complete picture of consumer or business interactions across markets.
Our suppliers value long-term, collaborative, trusted relationships with us — relationships that bring them business opportunities. They also want to mitigate market and financial risks and meet regulatory requirements and our environmental, social and governance (ESG) expectations.
consumer credit history and repayment records
reduction in scope 1 and 2 carbon emissions since 2019
Operating in a complex and evolving regulatory environment globally, we aim to maintain a positive and proactive engagement strategy with governmental institutions and policymakers in all our regions. This is because we enable the transparent flow of data that’s essential to the functioning of modern economies and the financial ecosystem. High-quality data coupled with advanced analytics reduces risk to lenders, improves processes and helps reduce fraud. It enables people to make informed decisions about their finances. The economy benefits with improved access to credit, improved market competition, increased diversification of financial products available and reduced cost of credit.
Governments look to address any concerns they might have about generating prosperity and managing economic cycles.
In addition, they also focus on compliance with regulation, managing issues with consumers and businesses and supporting their stakeholders’ financial well-being. They need to mitigate impacts of and, where possible, reverse, climate change.
We aim to create value for current and potential owners of Experian’s shares and bonds through organic and inorganic investments that grow our position in our chosen markets. We balance this investment with shareholder returns, dividend payments and share repurchase programmes when appropriate — all while ensuring we meet our wider sustainability commitments. This creates long-term, sustainable value for our shareholders and bondholders.
Shareholders and bondholders need to understand our strategic direction, financial performance and the sustainability of our business. They also need to understand our management and incentive structures, and to ensure that they’re investing in a business committed to environmental progress and societal benefit, and with strong governance. Above all, they need to be confident of sustainable investment returns.
We create a better tomorrow for consumers, businesses, our people and our communities.
Experian has a long and storied history, with roots dating back to 1826.
Meet the team leading our journey towards creating a better tomorrow.
We’re proud to have the efforts of our sustainable business strategy celebrated by others.