Experian Launches AI-Enabled Activate Decisioning Platform for Its Consumer Marketplace

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โดย Business Wire·US·Read original
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Experian has rolled out Experian Activate, an AI-enabled decisioning engine powering the Experian Marketplace, its consumer comparison-shopping platform for credit cards, personal loans and auto insurance. The platform is described as first-of-its-kind in combining credit data, AI and consumer-permissioned cash flow insights in one decisioning engine, helping match Experian's 90+ million members to offers they are likely to qualify for. Unlike traditional marketplaces that rely on pre-screened lists or periodically refreshed data, Experian Activate evaluates consumers using real-time information while they are actively shopping for credit, and the same real-time credit intelligence extends to third-party experiences such as ChatGPT. As part of the rollout, Experian has integrated Experian Cashflow Attributes into the Marketplace, letting participating lenders incorporate consumer-permissioned cash flow data alongside traditional credit information, with insights available in the same session when consumers connect their bank accounts. Experian cited research showing 60% of previously denied or under-offered borrowers believe the outcome would have changed if lenders had factored in recent income and banking activity. Rakesh Patel, Executive Vice President, Experian Marketplace at Experian, said the platform brings together the company's data, analytics, marketplace reach and AI capabilities, while Ashley Knight, Senior Vice President of Product Management, Financial Services and Data at Experian, said cash flow data is transforming how consumer behavior is understood and risk assessed.

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Experian launched Experian Activate, a first-of-its-kind AI-enabled decisioning engine powering its consumer Marketplace.

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