Mother holding her daughter in her arms stood in the kitchen

We help people thrive financially

27% of Group revenue is accounted for by Consumer Services

Our ambition for Consumer Services is to be recognised as the No.1 platform globally for people to improve their financial lives and save money. We aim to create the world’s largest, most inclusive financial services platform which brings financial power to all our members.

Consumer Services

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 are businesses or other organisations, serve consumers as their end customer. This is why consumers are at the heart of all we do.

What we do

  • We help millions of people take control of their finances. 
  • We provide credit education, identity monitoring and fraud prevention services directly to consumers in the USA, Brazil, the UK, South Africa, Peru, Colombia and India. This includes free access to their Experian credit report and score, and useful online educational tools. 
  • In the USA and the UK, we enable people to contribute their own data to their file by adding, for example, rental, utility, mobile and streaming service payments, to help them improve their credit score. 
  • We help people save money though marketplaces where they can access credit, personal loans, mortgages, automotive insurance and other deals that are highly personalised to them. 
  • In Brazil, we help consumers to meet their payment obligations and manage their spending.

Our key customers

  • Individuals
  • Lenders
  • Insurance providers  

How do we generate revenue?

  • Monthly subscription and one-off transaction fees 
  • Referral fees for credit products 
  • Digital agency fees for insurance products
  • White-label partnerships  

Helping millions of people take control of their finances


of revenue accounted for by Consumer Services


people globally on our free membership platform


consumer debt renegotiated in Brazil FY24

Regional revenue split US$m ₁
North America Latin America UK and Ireland Total         
1,539 225 173 1,937
₁ Revenue from ongoing activities.

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