Decoder with Nilay Patel Experian's tech chief defends credit scores: 'We're not Palantir'
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Jan 26, 2026 
Alex Lintner, Experian’s CEO of Technology and Software Solutions, oversees global platforms, security, privacy, and AI. He explains how Experian's cloud-native data platforms and AI governance work. They discuss depersonalized modeling, strict security measures, federated organization, and tools that give consumers control like freezes and opt-ins.
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Data Platform, Not Just A Database
- Experian positions itself as a global data and technology platform that turns complex data into actionable guidance for lenders and consumers.
- Alex Lintner emphasizes AI as a platform capability that embeds governance, explainability, and human oversight.
Security And Privacy Are Core Principles
- Experian treats privacy, consent, and security as core company principles that scale with data size.
- Lintner describes sharding, strict access rights, and governance to prevent single-point breaches.
Central Standards, Localized Products
- Experian balances central technology standards with localized product adaptation across regions.
- Lintner argues central AI governance enables safe reuse of models while letting business units tailor features.