Experian
Experian is a UK (outside the EU/EEA) fintech-infrastructure provider (Credit risk & decisioning). Verified at source - licence, regulator and registry reference. Active
Who it's for
Experian is built for lenders scoring credit risk and automating decisions. It operates under a payment institution licence.
Sovereignty profile
- Data residency (EEA): Partial - partly in the EEA - check the rail
- Company origin: UK (UK)
What Experian does
Verified licence profile
Experian (UK lineage - Nottingham, ex-GUS; plc domiciled in Dublin since 2006; LSE, FTSE 100) - one of the world's 'Big Three' credit bureaus: consumer and business credit data, scores, decisioning and fraud tools across dozens of markets. EEA open-banking entity: Experian Ireland (registered AISP). Origin by lineage (rule 8a) - UK; Irish plc domicile noted.
Verified 2026-07-13. How we verify → · Spotted something out of date? Report a correction. · Are you Experian? Work with us →
Official register entries
- AISP (account information) - Central Bank of Ireland · Ref C223438 · Active (EBA PSD2 register, as of 2026-07-18)
Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.
European alternatives to Experian
Algoan (Paris, France) - open-banking credit scoring and decisioning: analyses bank transaction data (AIS) to score creditworthiness for lenders, with partnerships including Worldline and Mastercard. Registered AISP (ACPR). A European, data-minimising alternative to classic bureau scores.
Creditinfo (Reykjavik, Iceland; founded 1997 as Lanstraust) - credit-bureau and decisioning group operating bureaus in 30+ markets; one of the few European players exporting bureau infrastructure globally.
CRIF (Bologna, Italy; founded 1988) - Europe's largest credit-bureau and business-information group: credit bureaus in 50+ countries, credit-risk analytics, decisioning platforms and open-banking-based credit assessment for banks and fintechs.
SCHUFA (Wiesbaden, Germany; founded 1927) - Germany's dominant credit bureau and the oldest in Europe: consumer and business credit scores underpinning most German lending decisions. Deliberately domestic (single-market) focus.
FAQ
Is Experian European / EEA-based?
Partly. Experian is UK origin (UK); part of its rail or data sits outside the EEA - check the licence profile.
What does Experian do?
Experian covers: Credit risk & decisioning. Verified at source by Fintechnologica.