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Experian

Provider
KYCOpen Banking

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 14 companies across 2 categories.

experian.com ↗Also analysed as a company — its own stack →Open Banking Tracker profile ↗
CategoriesKYC, Open Banking
Rank#11 of 66 in KYC
Buyers14 companies
HeadquartersDublin, Ireland
Founded1996

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Founders & story · from Experian’s own dossier

Experian was founded as a credit bureau but has steadily evolved into a full-stack data intelligence platform serving both consumers and B2B clients. Over the past decade, the company layered identity verification, fraud decisioning, marketing analytics, and embedded finance products on top of its core credit data asset. The Lendflow partnership in 2025 marks a significant step into embedded finance distribution — moving Experian from pure data provider to marketplace operator that connects SMBs with capital. Identity and fraud solutions sold directly to fintechs and financial institutions represent the fastest-growing segment of its B2B business.

Recent developments
  • 2025-11Experian partnered with Lendflow to launch an embedded lending marketplace within the Experian app, enabling US small businesses to access vetted lenders through a single application. source ↗
  • 2025-09Experian updated its EU-U.S. Data Privacy Framework Privacy Notice, maintaining active certification for Experian Holdings, Inc. and named subsidiaries. source ↗
Full dossier: Experian’s own stack, layer by layer →
Who uses Experian
14 companies disclose Experian in their stack
LendflowICANotesSocureWorkWaveHealthieincutoLoopitLikvidoForward700CreditAtomicTaktile+2 more
Buyer mix · 14 of 14 classified
Fintech / Insurtech · 1Infrastructure / BaaS · 1Infrastructure / Decisioning (Risk & Underwriting) · 1Infrastructure / KYC · 1Infrastructure / Lending · 1Infrastructure / Payments · 1Infrastructure / Payroll · 1Vertical SaaS / Accounts Receivable · 1
US · 9UK · 2EU · 2APAC · 1
What the disclosures say
Lendflow
“Terms of Service authorize Lendflow and Lenders to pull consumer/business reports from TransUnion, Experian, and Equifax for pre-qualification.”
ICANotes
“EPCS provider onboarding manual references Experian Transaction Number for identity proofing (DEA EPCS requirement, not general KYC).”
Socure
“Its RiskOS Partner Ecosystem doc names Baselayer, TrueBiz, Coris, Checkr Trust, Experian, iSoftPull, Kyckr, Lob, Markaaz, Middesk, Offshore Leaks/ICIJ, SAM.gov, Thomson Reuters CLEAR, and Vouched as pre-integrated third-party data/verification partners exposed inside RiskOS workflows.”
WorkWave
“Sub-processor list: Experian ('Credit data, identity verification and analytics'), GIACT Systems ('ACH payment verification and bank account validation'), Microsoft ('Advanced biometric verification ... facial templates and vectors').”
Healthie
“Experian used for identity proofing in DoseSpot EPCS enrollment (controlled substances e-prescribing).”
incuto
“incuto.com homepage: 'Partnered with Experian, TransUnion, ClearBank and others.' incuto.com/the-loan-marketplace: 'Loans automatically ID verify, Credit Search and collect Open Banking.' Experian and TransUnion are used for credit bureau checks embedded in the loan application flow.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Experian? Claim this profile above to unlock your own full list.
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What Experian runs on · from its own dossier
The third-party providers Experian itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Experian.
BaaS
Community Federal Savings Bank
Lending
Lendflow
Fraud
Sardine
Full dossier with evidence for each layer →
Alternatives to Experian

Other KYC providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Sumsub43 buyers →Persona36 buyers →Veriff35 buyers →Onfido34 buyers →Stripe24 buyers →Socure23 buyers →Alloy21 buyers →footprint21 buyers →
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Ranked #11 of 66 in KYC — Embedded Finance Index 2026
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Experian — frequently asked

Which companies use Experian?

14 companies are linked to Experian in the Embedded Finance Index 2026, through their own public disclosures or Experian's published customer list, including Lendflow, ICANotes, Socure, WorkWave, Healthie, incuto, Loopit, Likvido, Forward, 700Credit and 2 others.

What does Experian do?

Experian is an embedded-finance provider in KYC and Open Banking. It ranks #11 of 66 KYC providers by linked companies.

What are the alternatives to Experian?

The most-named KYC alternatives to Experian are Sumsub (43 buyers), Persona (36 buyers), Veriff (35 buyers), Onfido (34 buyers), Stripe (24 buyers) and Socure (23 buyers).

Where is Experian headquartered?

Experian is founded in 1996 and headquartered in Dublin, Ireland.

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