How Experian is Scaling AI for Finance’s Future

As financial services moves from AI experimentation to AI at scale, the critical question is no longer whether the technology works – it is whether institutions have the trusted, high-quality data, governance and decisioning capabilities needed to make AI reliable in the real world.

For Malin Holmberg, CEO of Experian UK and Ireland, that is where Experian’s role becomes central.

The opportunity is not simply to apply AI to financial services, but to power AI with data that businesses can trust, explain and act on.

Speaking with FinTech Magazine at Money20/20 in Amsterdam, she explains: “We hold more than a billion records and we’re trusted with that.

“Over the past 10 to 15 years, we’ve taken that trusted data and built it into software, analytics and fraud solutions that help our clients make better decisions.”

That distinction matters.

As banks, lenders and fintechs accelerate AI adoption, the winners will be those able to connect trusted data, real-time decisioning and strong governance into everyday workflows – from onboarding and fraud checks to lending, customer service and risk management.

Malin says Money20/20 is also a great stage for the company to showcase its role as both participant and observer in fintech’s rapid evolution.