Experian

Sardine is a financial technology company that specializes in providing a risk and fraud infrastructure tailored for the online economy. It has developed a device intelligence platform that leverages artificial intelligence and advanced risk engine software. This platform enhances fraud detection while minimizing sign-up friction by analyzing multiple real-time data points, including device information, browser details, and behavioral biometrics. By integrating this technology, Sardine enables businesses to establish a robust risk and fraud management framework, ultimately reducing costs within the fintech ecosystem.

Keyless Technologies Pte Ltd is a Singapore-based company founded in 2018 that specializes in developing a decentralized software platform for authentication and identity management. The company offers a passwordless multi-factor authentication system that utilizes biometric data to verify users while ensuring privacy by not storing any biometric information. This innovative approach aims to prevent account takeovers and enhance user experience across multiple devices. Keyless's technology combines biometrics with a portable infrastructure to facilitate secure identity verification, all while maintaining compliance with global data protection standards. By focusing on privacy-preserving biometrics, Keyless enables clients to navigate the complexities of online authentication without the risks associated with traditional password systems.

Audigent is an audience intelligence platform that specializes in providing brands with actionable data, analytics, and insights to enhance the targeting and effectiveness of online, mobile, and social video advertising. The platform enables brands to discover and monitor their target audiences, thereby improving media performance and return on investment. In addition to benefiting brands, Audigent equips artists and social influencers with the tools and technology necessary to monetize their influence and engage with their fan base effectively. The company's team, consisting of executives, data scientists, developers, and operations personnel, is based in New York, Philadelphia, and London.

KeySavvy is a Public Benefit Corporation that simplifies and secures peer-to-peer vehicle transactions. It enables car sellers to include a secure payment link in their online ads, allowing buyers to pay using various methods. KeySavvy verifies both the seller's ownership and the buyer's payment, ensuring a clear title and guaranteed payment. Additionally, it offers a platform for vehicle marketplaces to facilitate transactions, enhancing customer trust and increasing revenue.

ClearSale is a leading provider of eCommerce fraud protection, specializing in the prevention of card-not-present fraud. The company combines advanced statistical technology with a large team of fraud analysts to deliver a comprehensive approach to fraud prevention. ClearSale is trusted by over 4,000 customers globally and has achieved a 99% customer retention rate. It is recognized as the first company to offer chargeback guarantees, positioning itself as a key player in the market for fraud prevention solutions. By helping businesses prevent fraudulent chargebacks while ensuring a seamless online shopping experience, ClearSale enables clients to increase their sales safely, even in complex international markets.

Neuro-ID, Inc., established in 2014 and headquartered in Whitefish, Montana, specializes in developing prescriptive analytics solutions for the risk industry. The company offers Neuro-CS, a real-time analytics tool that focuses on applicant behavior patterns and measures how individuals respond to questions in real time. Serving banking and financial institutions, insurance providers, and e-commerce organizations, Neuro-ID aims to reduce fraud and online threats while enhancing customer experience through its actionable insights.

Reward is a customer engagement platform based in the UK that connects a vast network of blue chip retailers with millions of customers through data-driven, targeted offers. Founded by Gavin Dein, the company operates the Reward Offer Cloud (ROC), the largest card-linked offers marketplace in Europe, utilizing proprietary technology and predictive consumer behavior algorithms to enhance performance marketing for retailers. With over 7 million customers participating in loyalty programs from notable brands like British Airways and Virgin Atlantic, Reward provides personalized offers from 80 leading retailers, facilitating increased rewards for shoppers. The platform has proven effective in online-to-offline commerce, significantly improving customer acquisition and loyalty. Additionally, Reward operates the multi-award-winning NatWest MyRewards program, which has returned over £200 million to customers in two years and received accolades for its excellence in the debit card sector.

Illion is a provider of data, software, analytics, and credit risk management solutions tailored for various sectors, including financial services, telecommunications, utilities, and government. The company specializes in delivering unique sources of commercial information and insights that support businesses in their decision-making processes, particularly in acquiring, onboarding, and managing receivables. By developing advanced financial data and analytics software, Illion empowers clients with intelligent tools for credit risk management, lead generation, payment technologies, and tender management services. Through careful data analysis, Illion enhances its clients' capabilities to make informed decisions and optimize their operations.

Palenca is a technology company that specializes in payroll application programming interfaces (APIs) designed to facilitate the sharing of employment and income data. The company's platform enables consumers to easily share their employment information with financial institutions, enhancing the efficiency of background verification processes. By providing access to an individual's personal profile and earnings, Palenca's tools streamline the validation of income and employment, making it simpler for clients to assess potential borrowers. Additionally, the platform supports automated collections directly from borrowers' paychecks, further optimizing the financial transaction process.

PayHop connects suppliers and retailers on a single technological platform to guarantee payments and reduce distribution chain defaults. The company uses the retailer's credit card sales receivables as a guarantee of payment to the supplier, regardless of which vending machine. A team of experts with a wealth of experience in technology, electronic payments, and financial services for the supply chain established and oversees PayHop.

Wave HDC is a technology firm that provides data management and billing solutions for healthcare leveraging big data and AI.

Micronotes Inc., established in 2008 and based in Boston, Massachusetts, operates as a digital marketing SaaS company specializing in cross-sell technology solutions for financial institutions. The company offers an AI-enabled cloud-based platform that enhances customer engagement through automated digital interviews, leveraging machine learning to analyze customer data and deliver tailored product offers across various digital channels. Their suite of tools includes Cross-Sell Engine, Social Media Targeting, Mobile-SMS Referrals, Net Promoter Score Measurement, and predictive analytics for anticipating customer needs.

Lucinity Holding ehf. is a Reykjavík-based company founded in 2018 that specializes in developing advanced software solutions for financial crime compliance, specifically focusing on anti-money laundering (AML) efforts. The company's flagship product, ClearLens, equips financial institutions with tools to detect suspicious behavior patterns, streamline case evaluations, and enhance the overall efficiency of their AML surveillance teams. By integrating augmented intelligence and generative AI, Lucinity aims to reduce review times, improve insights, and optimize operational processes. The platform empowers banks, fintech companies, and payment service providers to better navigate regulatory requirements and mitigate risks associated with money laundering activities. With an additional office located in New York City, Lucinity is recognized for its innovative approach and commitment to delivering exceptional user experiences in the financial compliance sector.

PayDashboard helps their staff understand their pay and their payslip while giving them access to payroll insights with their interactive payroll dashboards. It is a digital payslip portal that integrates with existing payroll software. Its mission is to provide the market's highest salary data platform.

MOVA is a fintech company that provides online investments and financing peer-to-peer lending services.

CIC Plus is a leading provider of online forms management solutions tailored for human resources and payroll functions. The company specializes in developing employer compliance software that simplifies various processes, including ACA reporting, online W-4 submissions, and the distribution of pay statements and year-end tax documents. By partnering with large employers, CIC Plus enables organizations to enhance their employee onboarding processes and manage critical employee information effectively throughout the employee life cycle. Their online portal allows employees to utilize e-forms, ensuring a seamless experience while also providing dependable customer support. Through its innovative solutions, CIC Plus strives to improve compliance and increase the efficiency of HR operations for its clients.

Sardine is a financial technology company that specializes in providing a risk and fraud infrastructure tailored for the online economy. It has developed a device intelligence platform that leverages artificial intelligence and advanced risk engine software. This platform enhances fraud detection while minimizing sign-up friction by analyzing multiple real-time data points, including device information, browser details, and behavioral biometrics. By integrating this technology, Sardine enables businesses to establish a robust risk and fraud management framework, ultimately reducing costs within the fintech ecosystem.

Merit International Inc., founded in 2014 and headquartered in Millbrae, California, specializes in designing and developing software that facilitates the management of paper certificates, ledgers, and identification cards. The company’s verified identity platform enhances visibility and trust in people-data, enabling organizations to make informed decisions and engage effectively with individuals. Merit collaborates with private, state, and municipal organizations to address significant challenges in sectors such as workforce development, emergency services, licensing, education, and defense readiness. By leveraging technology to connect organizations and individuals, Merit supports a reliable verified identity network that acts as a trusted source of information for various ecosystems.

KarmaCheck, Inc., founded in 2018 and based in San Francisco, California, specializes in providing technology-driven background screening services for employment purposes. The company offers a comprehensive suite of services, including criminal checks, employment and education verifications, motor vehicle reports, reference checks, and drug testing. Utilizing an API-first platform, KarmaCheck ensures a mobile-friendly experience for candidates, facilitating rapid and accurate background checks. The integration of artificial intelligence and blockchain technology allows for real-time processing, enabling businesses to streamline their hiring processes, achieve faster turnaround times, and improve employee retention.

Gabi Personal Insurance Agency, Inc. is an online insurance broker founded in 2016 and headquartered in San Francisco, California. The company offers a free digital tool that allows consumers to compare auto and home insurance rates from various providers, including both established companies and newer entrants in the market. Gabi's technology continuously monitors insurance rates, providing unbiased advice to help customers find optimal coverage at the lowest prices. By connecting to a customer's existing insurance accounts, Gabi's application utilizes intelligent algorithms to streamline the process of comparing policies and facilitates easy switching between providers. This approach saves consumers time and money while ensuring they receive the best possible insurance products tailored to their needs.

Traive Inc. is an innovative fintech company based in Saint Paul, Minnesota, with additional offices in São Paulo, Minneapolis, and Boston. Founded in 2018, Traive operates an online lending platform that connects farmers with lenders, facilitating access to credit within the agriculture sector. Utilizing advanced artificial intelligence and machine learning techniques, including Language Learning Models and Generative Adversarial Networks, the platform provides dynamic credit risk assessments that go beyond traditional credit scores. By analyzing alternative farming data and individual farmer behavior, Traive enables lenders to gain valuable insights into credit risk while offering farmers fair and transparent evaluations. This approach not only streamlines the borrowing process but also enhances the overall efficiency of the agricultural credit market, fostering affordable funding options for farmers and optimizing risk management for lenders.

PagueVeloz is a Brazilian fintech company established in 2013, headquartered in Santa Catarina. It operates an online platform offering a range of payment services, including bill receipts, credit card processing, SMS notifications, bill payments, mobile recharges, and check verifications. The platform integrates with clients' ERP systems to facilitate secure and efficient transactions via bank slips and credit cards. PagueVeloz also provides customer credit consultation services and offers dedicated mobile applications for Android and iOS users.

Micronotes Inc., established in 2008 and based in Boston, Massachusetts, operates as a digital marketing SaaS company specializing in cross-sell technology solutions for financial institutions. The company offers an AI-enabled cloud-based platform that enhances customer engagement through automated digital interviews, leveraging machine learning to analyze customer data and deliver tailored product offers across various digital channels. Their suite of tools includes Cross-Sell Engine, Social Media Targeting, Mobile-SMS Referrals, Net Promoter Score Measurement, and predictive analytics for anticipating customer needs.

Capitalise.com is a financial information service focused on helping UK businesses secure the right funding by connecting them with suitable lenders. With a network of over 360 lenders, including more than 80 institutional and fintech partners, the platform simplifies the complex funding landscape for small and medium-sized enterprises (SMEs). Utilizing in-house technology and data analytics, Capitalise.com identifies optimal financing options tailored to the specific needs of businesses. This approach not only facilitates access to a variety of funding products but also empowers accounting firms to better serve their clients by clarifying and streamlining the funding process, thereby enhancing their role as trusted advisors.

Jetty Insurance Agency LLC, founded in 2015 and headquartered in New York, is a financial services company that specializes in providing property and casualty insurance products. The company has developed a real estate insurance platform aimed at simplifying the leasing process and enhancing conversion rates for property managers. Jetty's innovative solutions help property managers increase lease conversions, minimize bad debt, and streamline their operations. For renters, Jetty alleviates the financial burden associated with move-in costs, making home renting more affordable and accessible. Through its mission, Jetty seeks to transform the rental experience for both property managers and residents.

Tax Credit Co. is a leading independent firm focused on optimizing tax credits and incentives for a diverse range of clients, from start-ups to large corporations. The company specializes in various tax credits, including research and development tax credits and Work Opportunity Tax Credits, leveraging its expertise and proprietary technology to offer comprehensive tax savings solutions. In addition to consulting, Tax Credit Co. provides administration technology that simplifies complex tax credit and compliance programs. This includes services related to federal and multi-state R&D tax credits, state enterprise zones, hiring incentives, and training grants. By personalizing client dashboards and validating data, the firm aims to maximize tax benefits while minimizing administrative burdens and reducing audit risks for its clients.

Flowcast Inc. is a technology company based in San Francisco, California, with an additional office in Singapore, specializing in machine learning and predictive analytics. Founded in 2015, Flowcast develops advanced algorithms that create predictive models to assess credit risk and enhance decision-making for financial institutions. Its key offerings include Smartcredit, which provides comprehensive company information for credit decisions; Smartclaims, which automates the deduction claims process; and Tillful, a platform that provides credit scores and access to credit offers. Flowcast's solutions leverage alternative and proprietary data to offer real-time monitoring of borrowers' creditworthiness, evaluating their ability to repay loans, the risk of delinquency, and the likelihood of dilution. The company aims to empower lenders to unlock credit for businesses of all sizes by simplifying complex data insights into actionable information, all without requiring extensive coding expertise.

RecargaPay is a Brazilian super app that simplifies everyday payments for consumers and small to medium enterprises (SMEs). Established in 2010, the platform serves over 6 million users by integrating various payment methods, including credit and debit cards, instant payments like Pix, and Open Finance. RecargaPay offers a range of services such as bill payments, mobile top-ups, public transportation payments, installment plans, and loans, all designed to enhance convenience, affordability, and flexibility. By catering to both banked and unbanked individuals, RecargaPay is transforming how Brazilians manage their financial transactions. The company is recognized as a Payments Institution and SCD by the Brazilian Central Bank, reflecting its commitment to providing secure and accessible financial services.

LeadSpend develops innovative technologies and services to identify and clean bad data. Bad data happens when consumers falsely identify themselves online, or when affiliates commit lead fraud. Their real-time email validation service, identifies invalid email addresses before marketers attempt to contact these "leads", protecting a client's email sender reputation and improving inbox deliverability and performance. Maintaining a good sender reputation is essential for high inbox deliverability. LeadSpend's real-time email validation ensures that their clients collect accurate, valid email addresses from prospects and customers. Whether clients need to validate email addresses on a registration form, have leads coming in through other channels, or just need to clean up their file, LeadSpend has a range of easy-to-use options. Choose from their Javascript snippet, RESTful API, or a secure FTP.

Jetty Insurance Agency LLC, founded in 2015 and headquartered in New York, is a financial services company that specializes in providing property and casualty insurance products. The company has developed a real estate insurance platform aimed at simplifying the leasing process and enhancing conversion rates for property managers. Jetty's innovative solutions help property managers increase lease conversions, minimize bad debt, and streamline their operations. For renters, Jetty alleviates the financial burden associated with move-in costs, making home renting more affordable and accessible. Through its mission, Jetty seeks to transform the rental experience for both property managers and residents.

Salary Finance Limited is a financial technology company based in London, United Kingdom, that specializes in providing employee benefit programs aimed at enhancing financial wellbeing. Founded in 2015, the company operates an online platform that allows employers to offer their employees access to financial services such as affordable loans, savings options, and early access to earned wages. By facilitating salary deductions for loan repayments and promoting financial education, Salary Finance aims to help employees manage their debts, develop savings habits, and improve their overall financial health. The company's mission is to support employees in leading happier and healthier financial lives, thereby contributing to increased employee retention and productivity for partnering employers.

Tapad Inc., established in 2010, is a global marketing technology company headquartered in New York with offices worldwide. It specializes in providing identity-based marketing solutions, primarily its proprietary Tapad Graph. This technology integrates billions of data points to understand consumer behavior across various devices, enabling publishers and advertisers to engage consumers more effectively and personalize campaigns at scale. Tapad's offerings include The Tapad Customer Data Platform for managing first-party data, Device Graph Access for targeting workflows, Applied Analytics suite for campaign performance tracking, and Dynamic Audiences for precise cross-device targeting. Serving agency trading desks, publishers, marketing technology companies, and Fortune 500 brands, Tapad operates as a subsidiary of Experian plc since November 2020.

RewardStock, Inc. is an online platform based in Raleigh, North Carolina, that specializes in helping users optimize their travel rewards. Founded in 2014, the company provides a comprehensive suite of tools and insights that enable users to analyze various reward programs, allowing them to make informed decisions about using points and miles for travel instead of cash. The platform simplifies the process by tracking reward points, offering tailored information on credit cards for specific trips, and providing techniques for maximizing rewards. Through its user-friendly interface, RewardStock empowers travelers to efficiently earn, manage, and utilize their rewards to save money on travel expenses.

InfoSum is a company founded in 2016 and headquartered in Basingstoke, Hampshire, that has developed a decentralized data platform aimed at enhancing customer experiences while safeguarding privacy. The platform facilitates collaboration among advertisers, media owners, data providers, and advertising technology firms by enabling them to connect multiple data sources without the need to transfer or pool the underlying data. This innovative approach minimizes trust barriers and mitigates the risk of data exposure or misuse. InfoSum's patented non-movement data technology creates a secure and accessible network for data collaboration, allowing organizations to unlock the full potential of their customer data while maintaining a strong focus on privacy.

TrueAccord is reinventing the relationship between creditors and lenders with a machine learning-driven, digital approach to debt collection. Our technology personalizes outreach to each customer across digital channels, continuously optimizing for performance while delivering a customer experience that builds long-term brand loyalty.

Steady removes barriers to earn through its income intelligence that supports over 3 million hourly, 1099 and mixed-earners in earning more, an average of over $5,500 per year. Steady's view of income also applies its technology for purposes of income measurement that fills the wage data gap for public and private sector entities that service this worker population in areas such as the administration of public sector benefits. Steady was founded in 2017.

Stackin' is a financial fitness platform aimed at empowering individuals to enhance their financial lives through engaging text messages. With over one million subscribers, it targets a younger demographic by offering tools and curated products that promote healthy financial habits in a fun and judgment-free environment. The platform leverages a custom messaging system, along with data, machine learning, and human interaction, to send personalized messages that educate users on saving money, reducing debt, and starting to invest. Additionally, Stackin' provides financial tips and content designed to inform and entertain its audience, helping them make informed decisions for their financial future.

BankBazaar.com is India’s largest fintech co-branded credit card issuer and online platform for free credit score. It has a captive base of 50Mn registered users who use the platform for free credit score tracking and in-depth personal finance content and comparison tools. Its range of co-branded credit cards with India’s leading banks is driving the platform's rapid growth with more than half its customers now opting for BankBazaar's own co-branded products. The company is on track to facilitate one million active BankBazaar cobranded credit cards in force over the next couple of years. Supported by global investors such as Experian, Eight Roads, Sequoia India, WSV, and Amazon, BankBazaar has been at the forefront of democratising finance in India by providing end users with frictionless access to credit. BankBazaar has offices in Chennai, Bangalore, and Mumbai.

Vserv is a Mumbai-based company that specializes in mobile advertising solutions for advertisers, developers, and publishers. Established in 2010, Vserv provides a comprehensive platform that includes various advertising formats and targeting capabilities tailored for mobile applications, games, and video content. The company enhances media campaigns by leveraging authentic audience data to facilitate smart, data-driven marketing strategies. By offering real-time analytics, Vserv enables developers to understand consumer behavior and optimize their applications effectively. This focus on delivering efficient, people-based marketing services allows brands to connect with their target audiences across diverse segments.

RAM Credit Info provides credit reports, alerts and monitoring, primarily to financial institutions.

PlaceIQ, Inc. is a technology company that specializes in location data analytics and insights, enabling businesses to make informed marketing decisions. Founded in 2010 and headquartered in New York, PlaceIQ offers a comprehensive platform that includes a range of products designed for consumer discovery, engagement, and activation. Key offerings include PIQ Audiences, which target users based on mobile location history; PIQ Audiences NOW, which captures real-time audience data; and PIQ Analytics, which provides deep insights into audience demographics and behavior. Additionally, PlaceIQ's PreVisit tool analyzes consumer location histories, while its Place Visit Rate feature measures the effectiveness of campaigns by tracking real-world visitation. The company's technology serves various sectors, including retail, automotive, and entertainment, helping brands understand and engage their audiences effectively while measuring the return on investment of their advertising efforts. PlaceIQ has established itself as a leader in location-based insights, driving successful marketing strategies for its clients.

Look Who’s Charging is a company based in Belmont, Australia, that addresses the longstanding challenge of matching transaction descriptions from debit and credit statements with detailed merchant information and spending categories. By offering transaction enrichment and categorization technology, the company enables banks to enhance their digital platforms, allowing customers to gain better visibility into their spending. Many cardholders struggle to identify up to 20% of their transactions due to vague descriptions, leading to confusion, unnecessary inquiries, and merchant charge-backs. Look Who’s Charging provides its data through an API, a web portal, or a browser plugin, catering to various user needs and streamlining the transaction review process for consumers.

My Health Direct, Inc. is a digital care coordination company that specializes in healthcare appointment scheduling and referral management. It provides a web-based platform that connects various healthcare entities, including hospitals, care management organizations, and community health collaboratives, facilitating the organization and booking of available healthcare appointments. This solution enhances actionable analytics, decision support, and workflow management to improve patient care and access. Founded in 2006 and initially known as Global Health Direct, the company is headquartered in Nashville, Tennessee. As of August 2019, My Health Direct operates as a subsidiary of Experian Health, Inc.

Hyphen Group operates CompareAsiaGroup, a prominent personal finance management platform in Asia. Established in 2013 and headquartered in Hong Kong, CompareAsiaGroup provides users with free and independent online tools to compare a wide range of financial products, including banking, insurance, credit cards, and personal loans. The platform partners with leading financial institutions across the region, enabling users to evaluate over 2,500 products. With a workforce of over 250 employees, CompareAsiaGroup has a significant presence in multiple countries, including Hong Kong, Malaysia, the Philippines, Singapore, Taiwan, and Thailand. The Group's mission is to empower individuals to save money and make informed financial decisions through its comprehensive comparison services.

Stackin' is a financial fitness platform aimed at empowering individuals to enhance their financial lives through engaging text messages. With over one million subscribers, it targets a younger demographic by offering tools and curated products that promote healthy financial habits in a fun and judgment-free environment. The platform leverages a custom messaging system, along with data, machine learning, and human interaction, to send personalized messages that educate users on saving money, reducing debt, and starting to invest. Additionally, Stackin' provides financial tips and content designed to inform and entertain its audience, helping them make informed decisions for their financial future.

Bonify is a Berlin-based FinTech startup that provides customers with access to their credit scoring and financial data. Founded in 2015 by former executives from McKinsey and Zalando, the company offers a mobile platform that allows users to check and correct their credit scores, monitor changes, and receive personalized recommendations to enhance their financial situations. By enabling users to upload relevant data and offering easy-to-read credit reports and insights, Bonify aims to holistically improve individuals' financial lives. The company has garnered significant funding from leading venture capitalists and successful entrepreneurs, reflecting its innovative approach to credit management.

Grab Holdings Inc., headquartered in Singapore, operates a mobile technology platform that integrates city transportation and various on-demand services in Southeast Asia. The company, founded in 2012 by Anthony Tan and Tan Hooi Ling, offers services such as ride-hailing (GrabTaxi, GrabCar), carpooling (GrabHitch, GrabShare), shuttle services (GrabShuttle, GrabShuttle Plus), and food delivery through its GrabFood platform. Grab also provides financial services, including payments, consumer loans, and enterprise offerings. It operates in eight countries: Singapore, Indonesia, Philippines, Malaysia, Thailand, Vietnam, and Myanmar. Grab generates revenue by charging commissions to both consumers and service providers, with ride-hailing and food delivery contributing to 89% of its total revenue. The company competes with Foodpanda and Gojek in the region.

Canopy, based in London, is an insurtech company specializing in the property rental market. It offers a smartphone application that provides renters with an instant digital rental profile, RentPassport™, which eliminates the need for large cash security deposits. Instead, Canopy offers an insurance policy backed by HISCOX, making the rental process more affordable and transparent. This service also enhances renters' financial freedom and mobility, as their rental reputation is portable and can be an asset when applying for new rentals.

Canopy, based in London, is an insurtech company specializing in the property rental market. It offers a smartphone application that provides renters with an instant digital rental profile, RentPassport™, which eliminates the need for large cash security deposits. Instead, Canopy offers an insurance policy backed by HISCOX, making the rental process more affordable and transparent. This service also enhances renters' financial freedom and mobility, as their rental reputation is portable and can be an asset when applying for new rentals.

AllClear ID is a healthcare technology company founded in 2004 by CEO Bo Holland. Initially recognized for its identity protection services, the company transitioned to focus on developing a healthcare claims management platform that facilitates the secure exchange of medical records among patients, providers, and researchers. AllClear ID empowers patients to manage their health data through a Digital Health Bank, which allows for the safe sharing of personal health information (PHI) while maintaining stringent security measures. Following the sale of its breach response business to Experian in 2019, AllClear ID became an employee-owned small business, utilizing the proceeds to buy out institutional investors. The company continues to serve both individual consumers and large enterprises, offering identity protection products and managing employee and customer benefit plans, thereby enhancing the efficiency and safety of healthcare delivery.

AllClear ID is a healthcare technology company founded in 2004 by CEO Bo Holland. Initially recognized for its identity protection services, the company transitioned to focus on developing a healthcare claims management platform that facilitates the secure exchange of medical records among patients, providers, and researchers. AllClear ID empowers patients to manage their health data through a Digital Health Bank, which allows for the safe sharing of personal health information (PHI) while maintaining stringent security measures. Following the sale of its breach response business to Experian in 2019, AllClear ID became an employee-owned small business, utilizing the proceeds to buy out institutional investors. The company continues to serve both individual consumers and large enterprises, offering identity protection products and managing employee and customer benefit plans, thereby enhancing the efficiency and safety of healthcare delivery.

Nav is a business financial management platform that provides entrepreneurs with free access to personal and business credit reports from major credit bureaus, including Experian, Dun & Bradstreet, Equifax, and TransUnion. The platform offers tools for monitoring finances and building business credit, along with a marketplace featuring over 100 financing products, such as loans and credit cards. By employing a lender-neutral approach, Nav helps business owners identify the most suitable financing options based on their specific needs and approval odds. Additionally, Nav's services are utilized by other business service providers to enhance their customer offerings, making it a valuable resource for managing operational funding requirements efficiently.

Aire is a credit assessment and automation platform based in London, founded in 2014. The company specializes in providing credit scores to consumers, facilitating their applications for loans and credit cards. Aire's innovative approach enhances underwriting decisions by leveraging advanced data analytics. In addition to its operations in the UK, the company has expanded its services to the US market. Customers in the UK can contact Experian UK for any data requests related to their credit files associated with Aire.

Compuscan Information Technologies (Pty) Ltd. is a credit bureau and information services provider based in Stellenbosch, South Africa, established in 1994. The company specializes in collecting, validating, and distributing consumer credit information, offering a comprehensive suite of services that includes credit scoring, ratings, affordability assessments, and tracing tools. Additionally, Compuscan provides decision analytics and marketing services, such as customer insights, data enrichment, and customer engagement solutions. The company has built a solid reputation in developing markets, focusing on creating tailored credit management solutions to help businesses make informed decisions, reduce risks, and enhance profitability. Compuscan partners with various organizations across Africa to foster strong customer relationships and maintain a competitive edge in the industry. As of May 2019, Compuscan operates as a subsidiary of Experian plc.

Jirnexu is a company based in Kuala Lumpur that specializes in providing comprehensive digital acquisition tools and solutions tailored for financial service institutions (FSIs) and service providers. Founded in 2012, Jirnexu focuses on helping banks, insurance companies, and other service entities adopt a mobile-first approach to innovate their online lead generation processes. The company's offerings streamline the application fulfillment process, allowing clients to effectively convert leads into customers and manage their ongoing queries, ultimately fostering customer loyalty. Additionally, Jirnexu empowers consumers through financial comparison tools, enabling them to make informed decisions and save money.

Caxe Technologies is a provider of financial services technology that caters to blue-chip B2B clients. The company specializes in developing a data and AI-based platform that delivers a range of digitized financial services, including digital banking software, credit decision tools, analytics, risk management solutions, and regulatory reporting. Through its innovative platform, Caxe enables clients to access various products and services that facilitate informed decision-making in the financial sector.

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Madaket, Inc. is a Cambridge, Massachusetts-based company that specializes in developing SaaS solutions for the healthcare industry. The company focuses on automating the healthcare enrollment process, facilitating connections between healthcare providers and payers to streamline administrative tasks. With a robust platform designed to manage provider data, Madaket enables healthcare organizations to save time and reduce manual errors while effectively tracking enrollment statuses. The company has established exclusive partnerships with notable entities such as TriZetto Provider Solutions and HealthStream, allowing it to support over 300,000 providers and an additional 325,000 providers under contract. Founded in 2012 by Mads Kvalsvik, Scott Soderstrom, Jim Dougherty, Benedict Dsilva, and Ted Achtem, Madaket aims to enhance efficiency in healthcare administration.

Jirnexu is a company based in Kuala Lumpur that specializes in providing comprehensive digital acquisition tools and solutions tailored for financial service institutions (FSIs) and service providers. Founded in 2012, Jirnexu focuses on helping banks, insurance companies, and other service entities adopt a mobile-first approach to innovate their online lead generation processes. The company's offerings streamline the application fulfillment process, allowing clients to effectively convert leads into customers and manage their ongoing queries, ultimately fostering customer loyalty. Additionally, Jirnexu empowers consumers through financial comparison tools, enabling them to make informed decisions and save money.

Danal, Inc., operating under the BilltoMobile brand, provides mobile commerce solutions that facilitate the purchase of goods and services across various devices, including PCs, tablets, and mobile phones. Founded in 2006 and headquartered in San Jose, California, the company specializes in carrier-integrated services, offering solutions such as AutoFill, Identity Management, and Payments. Danal securely authenticates mobile subscribers by generating unique mobile IDs directly from live mobile operator networks. As a subsidiary of Danal Corp based in South Korea, Danal has played a significant role in pioneering Direct Carrier Billing technology in multiple Asian markets. The company has established partnerships with financial institutions and major retailers to enhance mobile transaction risk management and improve customer conversion rates during registration and checkout processes. Danal has undergone several ownership changes, including its acquisition by Boku, Inc. in 2018 and by Bango in 2016, reflecting its evolving role in the mobile commerce landscape.

Clarity Services, Inc., established in 2008 and headquartered in Clearwater, Florida, operates as a subsidiary of Experian plc since March 19, 2018. The company functions as a real-time credit bureau, specializing in fraud detection and credit risk management solutions for the under-banked and non-prime consumer segment. Clarity Services provides lenders with alternative consumer data not typically available through traditional reporting agencies, enabling them to assess risks more effectively and make informed lending decisions.

Harvest Savings & Wealth Technologies Inc. is a technology company focused on developing digital solutions for the financial sector. Established in 2012 and based in Larkspur, California, the company offers a variety of tools aimed at assisting banks, credit unions, and other financial institutions in enhancing their client services. Its key products include Goalkeeper, a goals-based savings technology; Signals, which integrates with core financial systems to provide valuable actions; Jumpstart, a digital account opening solution; and Automate, which guides clients through their wealth management journeys. By providing integrated and innovative savings and wealth management solutions, Harvest Savings & Wealth Technologies helps financial institutions deliver comprehensive and efficient services tailored to their customers' financial needs. The company, formerly known as Trizic, Inc., changed its name in September 2019 to better reflect its mission.

TrueData specializes in providing addressability-as-a-service through its advanced identity graph technology. The company connects various notions of individuals and households with digital devices within a privacy-first framework, ensuring that the largest advertising and data players can enable omni-channel addressability. TrueData's platform is designed to facilitate mobile advertisement targeting by delivering high-quality data to marketers, thereby enhancing campaign ROI. This approach helps organizations future-proof their identity resolution and audience activation strategies against challenges such as cookie deprecation and rising data costs for omnichannel activation.

At London & Country, the UK's largest independent fee free mortgage broker, They help thousands of people every year find the right deal on their mortgage and life insurance. Their expert advice is fee free and Their service is simple and straightforward - saving you time and money.

Runpath is a financial technology company based in Old Street, Central London, specializing in bespoke digital services aimed at enhancing personal financial management. The company develops a platform that emphasizes product selection and personalization within a cloud-based marketplace, enabling clients to design and deploy financial software applications tailored to address specific business challenges. Runpath's technology stack primarily utilizes Angular (Typescript) and is built on Microsoft .NET technologies, including MVC, Web API, Entity Framework, and SQL Azure, all hosted on Azure. By providing innovative tools and advisory services, Runpath supports businesses in navigating the complexities of financial management and data reporting.

BankBazaar.com is India’s largest fintech co-branded credit card issuer and online platform for free credit score. It has a captive base of 50Mn registered users who use the platform for free credit score tracking and in-depth personal finance content and comparison tools. Its range of co-branded credit cards with India’s leading banks is driving the platform's rapid growth with more than half its customers now opting for BankBazaar's own co-branded products. The company is on track to facilitate one million active BankBazaar cobranded credit cards in force over the next couple of years. Supported by global investors such as Experian, Eight Roads, Sequoia India, WSV, and Amazon, BankBazaar has been at the forefront of democratising finance in India by providing end users with frictionless access to credit. BankBazaar has offices in Chennai, Bangalore, and Mumbai.

Canopy, based in London, is an insurtech company specializing in the property rental market. It offers a smartphone application that provides renters with an instant digital rental profile, RentPassport™, which eliminates the need for large cash security deposits. Instead, Canopy offers an insurance policy backed by HISCOX, making the rental process more affordable and transparent. This service also enhances renters' financial freedom and mobility, as their rental reputation is portable and can be an asset when applying for new rentals.

String Automotive Solutions, Inc., established in 2012 and headquartered in Groton, Massachusetts, specializes in developing software for auto dealers. The company, now a subsidiary of Experian Automotive, provides SaaS solutions to help dealers more profitably attract, convert, and retain in-market buyers. Its software suite includes inventory control and customer management tools, catering primarily to small and medium-sized businesses in the automotive retail sector.

TrueData specializes in providing addressability-as-a-service through its advanced identity graph technology. The company connects various notions of individuals and households with digital devices within a privacy-first framework, ensuring that the largest advertising and data players can enable omni-channel addressability. TrueData's platform is designed to facilitate mobile advertisement targeting by delivering high-quality data to marketers, thereby enhancing campaign ROI. This approach helps organizations future-proof their identity resolution and audience activation strategies against challenges such as cookie deprecation and rising data costs for omnichannel activation.

Nav is a business financial management platform that provides entrepreneurs with free access to personal and business credit reports from major credit bureaus, including Experian, Dun & Bradstreet, Equifax, and TransUnion. The platform offers tools for monitoring finances and building business credit, along with a marketplace featuring over 100 financing products, such as loans and credit cards. By employing a lender-neutral approach, Nav helps business owners identify the most suitable financing options based on their specific needs and approval odds. Additionally, Nav's services are utilized by other business service providers to enhance their customer offerings, making it a valuable resource for managing operational funding requirements efficiently.

Finicity Corporation is a developer of a real-time financial data aggregation and insight platform that aims to enhance financial decision-making for individuals, families, and organizations. Founded in 1999 and headquartered in Salt Lake City, Utah, with an additional office in Mumbai, India, the company provides a range of financial management solutions. These include transactional, account history, and statement aggregation services, as well as payment initiation and credit decisioning tools such as income and asset verification. By partnering with major financial institutions and fintech providers, Finicity facilitates secure access to high-quality data, helping consumers navigate complex financial landscapes. The company's innovative offerings, including contributions to products like Experian’s Boost, underline its commitment to improving financial wellness through data-driven insights.

INVIDI Technologies Corporation is a software provider specializing in targeted advertising solutions for the television industry. Founded in 2000 and headquartered in Princeton, New Jersey, the company offers innovative applications such as Advatar, which enables addressable targeted advertising delivered to individual viewers through digital set-top boxes. INVIDI's technology supports multi-channel video programming distributors, marketers, and advertisers by facilitating the sales of various digital products and services, including video-on-demand and pay-per-view events. Additionally, the INVIDI Advertising Decision System allows for sophisticated management of advertising decisions, enhancing the precision of household-targeted advertising in the dynamic television landscape. Through its services, INVIDI empowers cable, satellite, and IPTV operators to effectively reach and engage their desired audiences.

Canopy Pte. Ltd. is a financial technology company that specializes in data aggregation, visualization, analytics, and reporting solutions for wealth management professionals and high net-worth individuals. Founded in 2013 and headquartered in Singapore, with additional offices in Zug, Switzerland, Canopy offers an online platform that consolidates financial data from various sources, including electronic PDFs, into a standardized and structured format. Its services include investment portfolio visualization, customized analytics tools, and comprehensive reporting solutions that provide a complete overview of a client’s wealth. This platform enables financial institutions and wealth managers to securely monitor and manage their clients' investments, enhancing decision-making and client relationships.

CSID is a prominent provider of global identity protection and fraud detection technologies for businesses, employees, and consumers. Their advanced enterprise-level solutions enable businesses to proactively safeguard the identities of their consumers worldwide. CSID offers a range of comprehensive identity protection products, including identity monitoring services, insurance, full-service restoration, identity authentication, voice biometrics, and breach mitigation and resolution services.

iCare Group is a for-profit social enterprise focused on enhancing the quality of life for low- and moderate-income workers, particularly women in factory settings. The organization operates an employee benefits platform that enables workers to access essential products and services, including home appliances, healthcare offerings, educational resources, and long-term financial leases. By partnering with manufacturers, social organizations, banks, and service providers, iCare Group aims to support the professional growth and productivity of workers, contributing to their well-being at home and in the workplace. The initiative seeks to foster a Comfortable, Healthy, Smart, and Prosperous Living environment, ultimately promoting sustainable development for companies involved in the iCare Benefits Cooperation Agreement. Through its offerings, iCare Group empowers workers to improve their quality of life, develop new skills, and enhance their personal and professional capabilities.

Nav is a business financial management platform that provides entrepreneurs with free access to personal and business credit reports from major credit bureaus, including Experian, Dun & Bradstreet, Equifax, and TransUnion. The platform offers tools for monitoring finances and building business credit, along with a marketplace featuring over 100 financing products, such as loans and credit cards. By employing a lender-neutral approach, Nav helps business owners identify the most suitable financing options based on their specific needs and approval odds. Additionally, Nav's services are utilized by other business service providers to enhance their customer offerings, making it a valuable resource for managing operational funding requirements efficiently.

Passport Health Communications, Inc. is a software-as-a-service company specializing in revenue cycle management solutions for healthcare organizations, including hospitals, physician offices, and outpatient centers in the United States. The company offers a comprehensive suite of tools designed to streamline various aspects of the revenue cycle. Key products include the eCare Patient Access Suite, which facilitates patient demographic and insurance verification, compliance, and payment management; OrderChecker for validating outpatient diagnosis and procedure codes; and IntelliSource, an integrated system for patient access. Other offerings include the Patient Payment Estimator, eCashiering for processing payments, and a Claims Management Suite for claims submission and reimbursement. Passport Health Communications also provides automation solutions such as BatchSource, which enhances transaction processing. With a focus on improving efficiency and compliance, the company helps healthcare providers manage patient payments and insurance eligibility, thereby supporting effective financial operations in the healthcare sector. Founded in 1996 and headquartered in Franklin, Tennessee, the company was formerly known as InterMed, LLC before rebranding in 1998.

41st Parameter is a pioneering cybersecurity firm established in 2004, specializing in fraud detection and prevention across various digital channels for prominent global brands. They offer advanced solutions that combine device identification with risk management capabilities to combat threats such as card-not-present fraud, new account origination fraud, phishing attacks, and fraud ring activities. Their client base comprises leading financial institutions, e-commerce companies, and travel services businesses, which benefit from 41st Parameter's expertise in reducing fraud-related expenses and potential losses.

Conversen provides all the features and functionality needed to plan, execute, and optimize highly individualized, multichannel marketing programs, as well as build your own integrated applications for even greater control over your ROI. Conversen works exclusively with leading agencies and database marketing service providers who use the technology to execute next generation marketing campaigns for their clients. In addition Conversen's emphasis on "ease of use" reduces the learning curve and helps streamline the campaign production processes. The Conversen platform utilizes a "learn once, apply anywhere" approach so while the platform is capable of executing campaigns that range from simple to advanced in complexity - the differences in learning how to build them are small. For example, data rules created to drive dynamic content in an email marketing campaign promoting an offer for subscription renewal can also be used to do the same in a direct mail campaign weeks later.

192business provides online identity verification services. 192ukresearchbusiness provides organisations with identity verification, including personal data verification, fraud screening, and has over 1,000 clients worldwide. Clients include Halfords, The PKR.com.

Garlik is a technology innovator and expert in digital identity, founded by the creators of the UK online banks Egg and First Direct. The company specializes in providing online identity products and services designed to help individuals manage and protect their personal information in the digital realm. Garlik enables consumers to discover what personal data is publicly available about them and offers tools to control their online presence. By focusing on online safety, Garlik empowers both individuals and businesses to safeguard their personal and financial information against online crime.

Riskdisk is a company that specializes in providing credit information and analytical tools to small and medium enterprises (SMEs) in the United Kingdom. By offering commercial credit reports and risk information, Riskdisk enables these businesses to assess their creditworthiness and make informed financial decisions. The company's services are designed to support SMEs in navigating the complexities of credit risk, thereby fostering growth and stability in a competitive market.

MPV is committed to improving business processes throughout the healthcare revenue cycle, resulting in increased efficiency and lower costs for medical groups, payers, employers and, ultimately, for patients. From improving payer contract management processes to verifying insurance and benefits to generating an accurate estimate of a patient's out-of-pocket expenses, MPV is your partner of choice. Their Web-based revenue cycle solutions enable providers to collect the right payment from the right party in the shortest amount of time, resulting in improved financial performance and a stronger bottom line.

Nightley Inc. is a Japanese startup founded in 2011 and headquartered in Tokyo. The company specializes in geo-analytics solutions, providing a subscription-based social media analytics and inbound insights tool for various clients, including agencies, brands, local merchants, and government organizations. Nightley's platform enables users to track and visualize foreign tourist hotspots on a map, facilitating communication between shop operators and customers. By collecting and analyzing location-based data, Nightley helps businesses understand the behavioral trends and preferences of visiting foreign tourists, thereby enriching their decision-making processes and enhancing customer engagement.

SafetyWeb is a company that specializes in cloud-based personal security products aimed at protecting individuals' privacy, identity, reputation, and safety. Founded in 2009 by Michael Clark and Geoffrey Arone, SafetyWeb offers a subscription service designed primarily for parents. This service allows them to monitor their children's activities on social networking sites, providing tools that facilitate discussions about safe online interactions. Through its platform, SafetyWeb monitors the internet to deliver reports and immediate alerts regarding any irregularities or potential dangers associated with children's and teens' online behavior.

INVIDI Technologies Corporation is a software provider specializing in targeted advertising solutions for the television industry. Founded in 2000 and headquartered in Princeton, New Jersey, the company offers innovative applications such as Advatar, which enables addressable targeted advertising delivered to individual viewers through digital set-top boxes. INVIDI's technology supports multi-channel video programming distributors, marketers, and advertisers by facilitating the sales of various digital products and services, including video-on-demand and pay-per-view events. Additionally, the INVIDI Advertising Decision System allows for sophisticated management of advertising decisions, enhancing the precision of household-targeted advertising in the dynamic television landscape. Through its services, INVIDI empowers cable, satellite, and IPTV operators to effectively reach and engage their desired audiences.

Techlightenment Limited is a comprehensive social media agency that specializes in technology-driven marketing solutions for brands aiming to enhance their presence on social networks. The company has collaborated with notable clients such as Samsung, MTV, BT, and Paramount Pictures, executing campaigns across various platforms, including Facebook and MySpace. Among its innovative offerings are applications like a Bob Dylan promotional tool for Sony BMG and Socialistics, which analyzes social graph data for users. Techlightenment gained early recognition for its development of Friendvox, a browser-based instant messaging service that showcased the potential of distributed social profiles. The agency is committed to providing brand marketing, monitoring, and analytics services to help multinational businesses effectively identify and engage with their target audiences.

Mighty Net, Inc. provides online services to consumers interested in managing their credit behavior.

RentBureau is a consumer reporting agency in the United States that specializes in collecting rental payment information from apartment residents. By gathering data directly from apartment property management systems on a daily basis, RentBureau creates comprehensive credit files for residents, helping to establish their rental history. This information is vital for apartment owners and managers, who access it to make informed screening decisions about potential tenants. Additionally, RentBureau updates its findings into the National Data Rental Exchange, a database that is accessible online through a subscription-based membership. The insights provided by RentBureau facilitate enhanced decision-making within the multifamily housing industry and assist the credit industry in identifying reliable consumers.

A-Care Systems, Inc. is a company based in Tokyo, Japan, that specializes in email marketing and campaign management services. Founded in 1999, it offers a range of services including email distribution, client data hosting, and marketing research. The company utilizes its advanced distribution engine, MEGAPOST, to facilitate efficient and intelligent email delivery. In addition to these marketing services, A-Care Systems is involved in long-term healthcare, focusing on nursing care for the elderly. The company aims to enhance the health and well-being of community members by developing personalized care plans that consider individual physical and mental conditions, as well as their living environments. A-Care Systems operates as a subsidiary of Experian Japan K.K.

United MailSolutions GmbH is a German company based in Dusseldorf that specializes in email marketing services. As a subsidiary of Experian Plc, it focuses on providing an online platform that facilitates digital marketing solutions tailored for the German market. The company's offerings include a range of tools designed to enhance marketing strategies through effective email communication, aiming to support businesses in reaching their target audiences efficiently.

SearchAmerica, Inc. is a specialized recruitment firm dedicated to sourcing experienced professionals in the Management Consulting and Advisory Services sectors. Additionally, the company develops and produces software solutions tailored for healthcare organizations. Its software tools assist healthcare providers in predicting payment likelihood, minimizing bad debt, and verifying patient eligibility for financial aid. This dual focus on recruitment and software development allows SearchAmerica to serve the unique needs of the consulting and healthcare industries effectively.

KreditInform is a provider of commercial credit information and analytics in South Africa. Founded in 1982, KreditInform operates one of the most comprehensive and up-to-date commercial information databases in South Africa. KreditInform maintains proprietary and public data on all registered companies in South Africa, including debtor records, payment histories, financial information, directorships, shareholding relationships and other commercial credit information, with records extending back over 25 years. KreditInform provides commercial information and solutions to over 2,000 customers in South Africa, including Nedbank, Standard Bank of South Africa, ABSA and FNB, helping companies to extend credit, monitor credit risk and assisting with collections strategies.

DP Information Group (DP Info) is Singapore’s leading credit and business information bureau. A veteran of nearly 3 decades, the company currently service 95% of Singapore’s financial institutions and some 75% of leading law firms. Through its 24/7 online information portal, QuestNet, DP enables its clients to make confident credit management decisions everyday based on comprehensive, accurate and reliable information. DP Info Group offers a credit management scores for the national credit consumer market and is also a developer of DP Credit Ratings, its own proprietary corporate credit ratings model based on the global probability of default approach. DP Info is a strong advocate for the SME and entrepreneurial segment, managing and operating an ACRA-appointed service bureau, DP Bureau, which assists SMEs and entrepreneurs in starting their business and operating them effectively and efficiently through their initial years.

N4 Solutions Ltd. operates as a mortgage sector and financial services software provider. N4 Solutions offers a software solution that supports the distribution of various financial services products, including mortgages, insurance, personal loans, credit cards, savings and investments, retail banking, and wealth management/financial planning

The pH Group is a provider of data and analytical services designed to assist clients in identifying new business opportunities and crafting targeted marketing strategies. Operating across various industry sectors, including financial services, information technology, and telecommunications, the company specializes in delivering comprehensive business analytical and consulting services. By offering information, analytical tools, and marketing support, the pH Group enables organizations and consumers to make informed commercial and financial decisions.

Founded in 2001, Emailing Solution provides email development, delivery and management services to over 300 clients in the retail, catalogue, financial services and media sectors. All emails are sent on behalf of clients to consumers who have given their consent to receive marketing and commercial emails. Its clients include AXA, Orange, Staples and HP.

Experian Hitwise is a prominent online competitive intelligence service that offers valuable insights into consumer behavior for marketers, publishers, and agencies. By analyzing the interactions of 25 million internet users with over 1 million websites, it provides daily data that helps businesses identify emerging threats and opportunities. This intelligence enables clients to enhance their marketing strategies across various channels, including search, display, email, and social media. Serving more than 1,500 clients across diverse sectors such as financial services, media, travel, and retail, Experian Hitwise operates globally, with a presence in key markets including the United States, the United Kingdom, Australia, and Canada. The company's resources also include a research blog and data center that offer ongoing analysis of online trends.

Informarketing Ltda is a direct marketing services provider in Brazil. Founded in 1995, Informarketing provides marketing data, services and analytical tools primarily to the financial services sector. Its clients include multinational and local companies, including HSBC, Banco Safra and UOL, the largest Internet Service Provider in Brazil.