Experian has launched Experian Activate, a platform that integrates credit data, AI-driven analytics, and consumer-permissioned cash flow information. The tool is designed to assist lenders in evaluating risk by analyzing income stability, liquidity, and spending patterns rather than relying exclusively on traditional credit reports.
The platform utilizes real-time credit intelligence to match consumers with relevant financial offers. According to the company, this approach aims to increase credit access for individuals who were previously excluded from mainstream financial services by providing a more comprehensive view of their financial health.
Experian is also extending its marketplace capabilities to third-party platforms, including ChatGPT. The company integrated its insurance marketplace in February 2025, followed by personal loans in June and credit cards in August, marking a strategic expansion of its AI-powered financial services.
