Experian (OTCMKTS:EXPGF) is a global information services company that collects, analyzes and processes data to help businesses manage credit risk, prevent fraud, target marketing offers and automate decision making. Serving clients across the financial services, telecommunications, retail and automotive sectors, Experian provides insights and analytical tools that support lending, insurance underwriting and customer acquisition efforts. Its core offerings include consumer and commercial credit reporting, decision analytics, marketing services and identity and fraud protection solutions.
The company operates through four primary segments: Credit Services, Decision Analytics, Marketing Services and Consumer Services. Credit Services delivers credit reporting and scoring products to lenders and financial institutions, while Decision Analytics offers predictive modeling and advanced analytics to optimize risk management and operational performance. Marketing Services assists businesses in refining customer acquisition and retention strategies through data-driven marketing targeting across digital and offline channels. Consumer Services empowers individuals with access to their credit information, identity monitoring and credit protection plans.
Founded in 1980 as part of the TRW Information Systems & Services division, Experian subsequently became an independent entity following a series of acquisitions and a 1996 merger with the UK’s CCN Group. Headquartered in Dublin, Ireland, the company has expanded its presence to more than 40 countries, with significant operations in North America, Latin America, Europe, the Middle East, Africa and the Asia-Pacific region. This global footprint allows Experian to draw on a vast network of data sources and local expertise to deliver regionally tailored solutions.
Under the leadership of Chief Executive Officer Brian Cassin, Experian continues to invest in emerging technologies such as artificial intelligence, machine learning and cloud computing to enhance its product suite. The company’s senior management team brings together veterans of data analytics, finance and technology sectors, guiding strategic partnerships, acquisitions and innovation initiatives that strengthen Experian’s position as a leader in the credit services and information solutions industry.
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