Me, Myself, and AI Personalization and Innovation in a Regulated Industry: Experian’s Kathleen Peters
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Oct 28, 2025 Kathleen Peters, Chief Innovation Officer at Experian, dives into the exciting world of AI and innovation in financial services. She discusses how the Experian Innovation Lab is harnessing generative AI to enhance fraud detection and identity management. Kathleen highlights the democratization of AI as a double-edged sword, fostering creativity but also enabling sophisticated fraud. She contrasts corporate innovation with startup agility, showcases AI's role in supporting customer service, and emphasizes the need for trust in emerging technologies.
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Lab-Led Productization Of Generative AI
- Experian's Innovation Lab has long used generative AI and scaled up after public democratization in 2022.
- Experian Assistant uses agentic AI to deliver analytic insights in minutes instead of months.
Democratization Helps Good And Bad Actors
- Democratized generative AI empowers both builders and sophisticated fraudsters at scale.
- Fraud quality and quantity are increasing because attackers leverage natural language and deepfakes.
Data + Compute Improves Inclusion
- More data and compute let Experian assess risk with richer signals beyond traditional credit reports.
- Using alternative bill payments and digital identifiers improves identity confidence and financial inclusion.