How we organise our business and our revenue generation model

Business-to-business
(B2B)

Data Decisioning

Business-to-consumer
(B2C)

Consumer services

Data - 52% of revenue1

What we do

We provide businesses with capabilities to establish and develop relationships with their customers, grow their businesses over time and to manage risks so they can make better business decisions. We build and manage large and comprehensive databases and through software and analytics we support real-time decision-making. Increasingly we will deliver these capabilities as integrated services delivered via Experian platforms.

Key clients

  • Banks
  • Automotive dealers
  • Retailers
  • Telecommunications companies

Key datasets

  • Consumer credit history records
  • Business credit history records
  • US vehicle database
  • Consumer marketing databases
  • Online activity database
  • National fraud database 

Revenue model

Primarily transactional with some contribution from licence fees

Market position

One of the leading providers of data in key segments

Decisioning - 21% of revenue1

What we do

We draw on the depth and breadth of our databases and third-party information, including clients’ own data, to create and develop analytics, predictive tools, sophisticated software and platforms, increasingly through integrated platforms embedded in client workflows. These help businesses and organisations manage and automate large volumes of decisions and processes more effectively using the most advanced technology. Our services help our clients improve the consistency and quality of their business decisions in areas including credit risk, fraud prevention, identity management, customer service and engagement, account processing, and account management. Our industry specialists and data scientists work with clients to help them find the best solutions for their needs, providing advanced data analysis, research and development.

Key clients

  • Financial services
  • Retail
  • US healthcare
  • Telecommunications
  • Utilities
  • Insurance
  • FinTech companies

Key propositions

  • Ascend Platform (PowerCurve decisioning, CrossCore fraud prevention) 

Revenue model

  • Software and system sales: consultancy and implementation fees; recurring licence fees; and transactional charges 
  • Analytics: a mix of consultancy and professional fees, and transactional charges 

Market position

One of the leading providers of business solutions in key segments

Consumer Services - 27% of revenue1

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..

Key customers

  • Individuals
  • Lenders
  • Insurance providers

Key datasets

  • Free platform with over 180 million members

Revenue model

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

Market position

One of the leading providers of consumer services in key segments in the USA, the UK and Brazil

1 = Group revenue from ongoing activities as of 31 March 2024