Verified provider profile

Experian

Experian is a UK (outside the EU/EEA) fintech-infrastructure provider (Credit risk & decisioning). Verified at source - licence, regulator and registry reference. Active

UKEEA data: PartialLicence: PIVerified at source 2026-07-13
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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)
  • Ownership / control: no change of control on record

What Experian does

Credit risk & decisioning

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 How we verify → · Official website: experianplc.com · Spotted something out of date? Report a correction.

Official register entries

  • AISP (account information) - Central Bank of Ireland · Ref C223438 · Active (EBA PSD2 register, as of 2026-09-18)

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 EU core PI France · EEA: YesShared: Credit risk & decisioning
  • Creditinfo EU core Vendor Iceland · EEA: YesShared: Credit risk & decisioning
  • CRIF EU core Vendor Italy · EEA: YesShared: Credit risk & decisioning
  • SCHUFA EU core Vendor Germany · EEA: YesShared: Credit risk & decisioning

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.

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