Experian Ventures

Lucinity Holding ehf. is a company that specializes in anti-money laundering (AML) solutions, offering a platform called ClearLens designed for financial institutions. Founded in 2018 and headquartered in Reykjavík, Iceland, with an additional office in New York, Lucinity focuses on helping clients detect suspicious behavior patterns and enhance operational efficiency in their AML efforts. The ClearLens platform supports surveillance teams by enabling them to identify suspicious activities, conduct pre-evaluations, review cases, and produce case summaries. It also facilitates the collection of micro-feedback to improve performance over time. By streamlining compliance processes, Lucinity aims to empower banks, fintech companies, and payment service providers to effectively combat money laundering and reduce false positives in their investigations.

Jetty is a financial services company founded in 2015 and headquartered in New York, New York. It focuses on making renting more affordable and accessible for tenants while assisting property managers in improving lease conversions and streamlining operations. The company offers a range of products, including renters insurance that covers various risks such as fire, theft, and damage to personal belongings like phones and laptops. Jetty's innovative platform aims to simplify the renting process by reducing paperwork and eliminating the financial burdens associated with security deposits, ultimately helping renters save significantly on move-in costs.

FinTech, RegTech, Fraud Operating System

Merit, founded in 2015 and based in Millbrae, California, operates a verified identity platform designed to enhance transparency and trust in people-data. The platform enables organizations to make informed decisions and engage effectively with individuals, thus supporting their missions efficiently. Merit collaborates with private, state, and municipal entities to address pressing issues in various sectors, including workforce development, emergency services, licensing, education, and defense readiness. By facilitating connections between organizations and individuals, Merit’s technology establishes a verified identity network that acts as a reliable source of truth, fostering trust within entire ecosystems.

Traive Inc. operates an online lending platform that connects farmers with lenders, facilitating access to credit in the agricultural sector. Established in 2018 and headquartered in Saint Paul, Minnesota, with additional offices in São Paulo, Minneapolis, and Boston, Traive employs machine learning and big data to assess credit risk. The platform evaluates farmers' credit profiles using a comprehensive approach that goes beyond traditional credit scores, incorporating factors such as agronomic performance and market risks. This innovative analysis provides lenders with a diversified portfolio of borrowers while offering farmers more affordable funding options and reducing bureaucratic hurdles. By leveraging advanced technology, Traive aims to enhance financial accessibility within the agricultural industry.

Micronotes is an AI-enabled cloud-based marketing automation company serving financial service providers. The company’s fast, automated and cloud-based digital interview platform applies machine learning to customer data to improve customer engagement and effectively cross-sell financial services through the digital service channels. We are headquartered in Boston, MA at the Cambridge Innovative Center (CIC).

At Capitalise.com, our vision is to unlock UK businesses’ full potential today by matching the right business to the right lender. With 360 plus lenders and growing this funding journey has become increasingly complex and hard to navigate. Capitalise.com uses in-house technology and data analytics to identify the best financing options available for UK businesses. We've partnered with over 80 institutional and fintech lenders throughout the UK to offer business loans to UK SMEs.

As one of the largest independent tax credit practices in the country, Tax Credit Co. focuses on maximizing tax credits and incentives for clients varying in size from start-up's to Fortune 500 companies. Specializing in R&D tax credits, and Work Opportunity Tax Credits, among other credits, their expertise, talent, processes, and proprietary technology combine to deliver the most sophisticated and comprehensive tax savings offerings in the industry.

RecargaPay Payments Ltda. operates a mobile prepaid top-up platform in Brazil and Latin America, focused on providing essential payment services to both banked and unbanked consumers. Founded in 2010 and headquartered in São Paulo, with an additional office in Buenos Aires, RecargaPay aims to democratize mobile payments and financial services. The company facilitates a variety of transactions, including airtime top-ups, utility bill payments, and other financial services, creating a comprehensive mobile money ecosystem. RecargaPay allows users to easily cash in and cash out through various methods such as credit and debit cards, loans, QR codes, and mobile point-of-sale systems. With the goal of transforming payment experiences, the company has successfully raised over $63 million in venture capital from a range of investors.

Tapad is a global marketing technology company providing a comprehensive suite of identity-based marketing solutions. By leveraging the company’s proprietary and privacy-safe Tapad Graph. Their groundbreaking, proprietary technology assimilates billions of data points to find the human relationship between smartphones, desktops, laptops, tablets, connected TVs, and game consoles. The result: an unprecedented understanding of consumer behavior across related screens and the ability to reach the right people on the right device at the right time. With Tapad, publishers and advertisers can deepen consumer engagement with a more fluid experience while increasing campaign cost-effectiveness. The company is reinventing personalization for the modern marketer through its identity-driven solutions. The Tapad Graph combines the company’s proprietary Device Graph with behavioral signals so marketers can finally see their customers as unique individuals, and ultimately, deliver personalization at scale.

RewardStock, Inc. is an online platform that assists users in effectively managing and utilizing their reward programs for travel. Founded in 2014 and based in Raleigh, North Carolina, the company provides tools that allow users to analyze their rewards, make informed decisions about using points or cash for travel, and understand how to optimize their spending and credit scores. RewardStock's services include tracking reward points, offering insights on credit cards tailored to specific travel needs, and delivering techniques for maximizing rewards. With a team experienced in financial analysis and rewards management, RewardStock aims to empower users to enhance their travel experiences while saving money.

InfoSum has developed a decentralized platform designed to remove the trust barriers between progress and privacy. Its platform enables advertisers, media owners, data providers, and other advertising technology firms to collaborate across multiple data sources, without requiring the underlying data to be moved or pooled. The company was founded in 2016 and is headquartered in Basingstoke, Hampshire.

Stackin' is the simplest entry point into finance with over one million subscribers and a mission to empower people to improve their financial lives via text message. Stackin' provides the necessary tools & curated products for a younger generation of consumers to build healthy financial habits over time in a fun, entertaining, judgement-free relationship. Powered by a custom messaging platform, data, machine learning and human touch, their personalized messages educate subscribers on how to save money, reduce debt and start investing.

BankBazaar.com is an online marketplace that provides consumers with instant, customized rate quotes for loans, mutual funds, and insurance products. The platform allows users to search, compare, and apply for financial products through its website and mobile app, which are designed with advanced technology. BankBazaar collaborates with over 50 prominent financial institutions and insurance companies in India, giving users access to a wide range of offers. Additionally, the platform features tools for tracking free credit scores and offers personal finance content to help users make informed decisions. Consumers can also monitor their applications and address any issues through various support channels, including the BankBazaar app, WhatsApp, email, and voice support.

Vserv Digital Services Pvt. Ltd. is a mobile marketing data platform based in Mumbai, India, with additional offices in Gurugram and Singapore. Established in 2007, the company specializes in mobile advertising, providing solutions for various sectors including retail, FMCG, e-commerce, and travel. Vserv's platform offers a range of advertising formats and targeting capabilities tailored for mobile applications, games, and media campaigns, as well as real-time application analytics to help developers understand consumer behavior. By leveraging audience data, Vserv enables businesses to execute efficient, people-based marketing strategies, facilitating growth in the competitive mobile advertising landscape of India and Southeast Asia.

RAM Credit Info provides credit reports, alerts and monitoring, primarily to financial institutions.

PlaceIQ, Inc. is a technology company that specializes in analyzing location, time, and real-world behavior data to help brands understand and engage consumers effectively. Its platform offers a variety of solutions for consumer discovery, engagement, and activation, allowing brands to connect with the right audiences based on mobile location history and real-time behaviors. Key products include PIQ Audiences, which targets audiences across various interests; PIQ Audiences NOW, which captures real-time consumer behaviors; and PIQ Analytics, which provides insights into audience demographics and habits. Additional offerings include PreVisit, which tracks location histories, and Place Visit Rate, which measures the effectiveness of marketing campaigns in driving in-store visits. PlaceIQ's technology supports various industries, including consumer packaged goods, retail, automotive, and entertainment, by providing critical insights that inform marketing strategies. Founded in 2010, PlaceIQ is headquartered in New York City with additional offices across several major U.S. cities.

Look Who’s Charging is the first company to solve the complex 45-year-old problem of matching transaction descriptions from debit and credit statements to in-depth details on the underlying merchant and the category of spend. Their data is provided via an API or it can be accessed via their web portal or web browser plugin (depending on the use case). Card holders don’t recognise up to 20% of all transactions because the information provided to them on their credit or debit card statement can be limited to a random string of characters. This confusion results in millions of wasted hours by card holders each year, millions of bank phone calls and branch visits and millions of unnecessary merchant charge-backs.

Stackin' is the simplest entry point into finance with over one million subscribers and a mission to empower people to improve their financial lives via text message. Stackin' provides the necessary tools & curated products for a younger generation of consumers to build healthy financial habits over time in a fun, entertaining, judgement-free relationship. Powered by a custom messaging platform, data, machine learning and human touch, their personalized messages educate subscribers on how to save money, reduce debt and start investing.

My Health Direct, Inc. develops a digital care coordination solution designed to enhance healthcare access and streamline appointment scheduling. Its primary product, MyHealthDirect, is a referral management and online appointment-scheduling platform that facilitates actionable analytics, decision support, and workflow management for various healthcare entities, including health systems, physician practices, and community health organizations. The platform organizes and books available healthcare appointments into a searchable inventory, allowing for efficient scheduling on behalf of individuals. Founded in 2006 and originally known as Global Health Direct, the company is headquartered in Nashville, Tennessee, and operates as a subsidiary of Experian Health, Inc.

Hyphen Group operates as CompareAsiaGroup, a prominent personal finance management platform in Asia. Established in 2014 and headquartered in Hong Kong, the Group provides a comprehensive, free, and independent online service for comparing financial products, including banking, insurance, and telecommunications. With partnerships with leading financial institutions, it offers access to over 2,500 products, helping consumers make informed choices and save money. The Group has a significant presence across multiple countries in Asia, including Malaysia, the Philippines, Singapore, Taiwan, and Thailand, employing over 250 individuals dedicated to enhancing personal finance management for users.

Stackin' is the simplest entry point into finance with over one million subscribers and a mission to empower people to improve their financial lives via text message. Stackin' provides the necessary tools & curated products for a younger generation of consumers to build healthy financial habits over time in a fun, entertaining, judgement-free relationship. Powered by a custom messaging platform, data, machine learning and human touch, their personalized messages educate subscribers on how to save money, reduce debt and start investing.

Bonify is a Berlin-based FinTech startup that provides customers with access to their credit scoring and financial data, aiming to enhance their financial well-being. Founded in 2015 by former executives from McKinsey and Zalando, Bonify offers a mobile platform that allows users to check and correct their credit scores, monitor changes, and receive personalized recommendations for optimizing their financial situation. The service includes easy-to-read credit reports and real-time evaluations of creditworthiness, all at no charge to the user. The company has garnered significant investment from leading venture capital firms and successful entrepreneurs, underscoring its potential in the financial technology sector.

Grab Holdings Inc., based in Singapore, is a prominent mobile technology platform operating in Southeast Asia. Founded in 2012, the company offers a wide range of services, including ride-sharing through GrabTaxi and GrabCar, and food and grocery delivery. Grab also provides financial services, such as payments, consumer loans, and insurance, catering to both merchants and consumers. Its platform connects drivers and customers, generating revenue primarily through commissions from ride-sharing and food delivery services. Grab operates in eight countries, including Singapore, Indonesia, and Malaysia, where it holds a significant market share. The company has expanded its offerings to include various options for transportation and delivery, as well as a mobile wallet for seamless transactions. Grab continues to face competition from other regional players, such as Foodpanda and Gojek.

Canopy, headquartered in London, United Kingdom, is a financial services company focused on transforming the renting experience for landlords, agents, and renters. It specializes in areas such as insurance, insurtech, proptech, and fintech, aiming to create an ecosystem that benefits all parties involved. By challenging traditional practices, Canopy designs straightforward solutions that cater to the needs of both landlords and renters. One of its notable offerings is Deposit Free™ Insurance, which replaces costly and often unnecessary cash deposits, allowing billions of pounds previously tied up in deposits in the UK to be reinvested into the economy. Through its innovative approach, Canopy seeks to enhance financial well-being and improve living conditions for individuals within the rental market.

AllClear ID, founded in 2004 by CEO Bo Holland, is an employee-owned small business focused on enhancing customer engagement through its patented CrossChannel™ Platform. This platform leverages mobile technology to streamline user experiences by eliminating passwords and integrating various customer-facing channels, including websites, in-store interactions, call centers, and kiosks. AllClear ID aims to provide a secure and efficient experience, significantly boosting customer engagement while reducing transaction fraud and identity theft. The company is also known for its identity protection products and high-quality service, having successfully supported major organizations like Anthem Blue Cross, Home Depot, and Sony in responding to significant data breaches. Additionally, AllClear ID manages employee and customer benefit plans for large enterprises, ensuring that healthcare providers can deliver optimal care while receiving appropriate reimbursements.

Nav is a free site and app that gives business owners the fastest, easiest and most trusted path to financing. The leading Business Financial Management app, Nav gives free access to personal and business credit reports from major consumer and commercial credit bureaus including Experian, Dun & Bradstreet, Equifax and TransUnion, and hosts a robust marketplace with more than 100 business financing products including loans and credit cards. The marketplace uses a unique, lender-neutral approach to help business owners find the best financing options for their needs. Nav's solution is also leveraged by other business service providers to enhance their customer experience.

Aire provides credit assessment services that gives people a new credit score to help them qualify for essential financial products. Aire is committed to helping people with the world of credit. They work with financial institutions by enhancing their ability to reach more customers and serve them responsibly. They are authorised & regulated in the UK by the FCA to provide credit references as one of the newest entrants in this sector. The company was founded on 2014 and based in London.

Compuscan Information Technologies (Pty) Ltd. is a credit bureau and information services provider based in Stellenbosch, South Africa, established in 1994. The company specializes in collecting, validating, and distributing consumer credit information, offering a comprehensive suite of services that includes credit scoring, ratings, affordability assessments, and tracing tools. Additionally, Compuscan provides decision analytics and marketing services, such as customer insights, data enrichment, and customer engagement solutions. The company has built a solid reputation in developing markets, focusing on creating tailored credit management solutions to help businesses make informed decisions, reduce risks, and enhance profitability. Compuscan partners with various organizations across Africa to foster strong customer relationships and maintain a competitive edge in the industry. As of May 2019, Compuscan operates as a subsidiary of Experian plc.

Jirnexu Sdn. Bhd., founded in 2012 and headquartered in Kuala Lumpur, Malaysia, specializes in customer acquisition and lifecycle management solutions for various industries, including banking, insurance, telecommunications, and e-commerce. The company offers comprehensive digital acquisition tools designed to help financial service institutions and service providers effectively generate leads online, convert them into customers, and manage ongoing relationships. Jirnexu operates several platforms, including RinggitPlus.com, which allows users to compare and apply for credit cards, personal loans, and insurance plans, and KreditGoGo.com, which assists users in finding various financial products. Additionally, the XpressApply platform simplifies the credit card application process. Through its services, Jirnexu empowers consumers to make informed financial decisions while enabling service providers to innovate their customer acquisition strategies.

Compare88 gives you the best choices to fulfill your financial and insurance needs in a fast, easy, and secure way. Sign up to receive updates about our products and services.

Madaket, Inc. is a software as a service (SaaS) provider based in Cambridge, Massachusetts, specializing in solutions for the healthcare industry. The company focuses on automating the healthcare enrollment process, facilitating connections between healthcare providers and payers to efficiently manage administrative tasks. Madaket's platform enhances the accuracy and speed of provider data management, allowing healthcare organizations to save time, reduce manual errors, and monitor enrollment statuses effectively. The company has established exclusive partnerships with entities such as TriZetto Provider Solutions and HealthStream, giving it access to a network of over 300,000 providers, with plans to incorporate an additional 325,000 providers. Founded in 2012 by Mads Kvalsvik, Scott Soderstrom, Jim Dougherty, and Ted Achtem, Madaket aims to transform healthcare administration through innovative technology.

Jirnexu Sdn. Bhd., founded in 2012 and headquartered in Kuala Lumpur, Malaysia, specializes in customer acquisition and lifecycle management solutions for various industries, including banking, insurance, telecommunications, and e-commerce. The company offers comprehensive digital acquisition tools designed to help financial service institutions and service providers effectively generate leads online, convert them into customers, and manage ongoing relationships. Jirnexu operates several platforms, including RinggitPlus.com, which allows users to compare and apply for credit cards, personal loans, and insurance plans, and KreditGoGo.com, which assists users in finding various financial products. Additionally, the XpressApply platform simplifies the credit card application process. Through its services, Jirnexu empowers consumers to make informed financial decisions while enabling service providers to innovate their customer acquisition strategies.

Danal, Inc., operating as BilltoMobile, provides mobile commerce solutions that facilitate the purchase of goods and services across various devices, including PCs, tablets, and mobile phones. The company offers services such as AutoFill, Identity Management, and Payments, focusing on secure authentication of mobile subscribers through the generation of authentic mobile IDs from live operator networks. Founded in 2006 and headquartered in San Jose, California, Danal operates as a subsidiary of Danal Corp, based in South Korea, which has been a pioneer in Direct Carrier Billing technology since 2000. Danal's platform serves financial institutions and major retailers by delivering mobile transaction risk management and customer conversion solutions, aimed at reducing abandonment rates during registration and checkout. The company has established partnerships, including a marketing agreement with Discover, to enhance its offerings in the evolving mobile commerce landscape.

Danal, Inc., operating as BilltoMobile, provides mobile commerce solutions that facilitate the purchase of goods and services across various devices, including PCs, tablets, and mobile phones. The company offers services such as AutoFill, Identity Management, and Payments, focusing on secure authentication of mobile subscribers through the generation of authentic mobile IDs from live operator networks. Founded in 2006 and headquartered in San Jose, California, Danal operates as a subsidiary of Danal Corp, based in South Korea, which has been a pioneer in Direct Carrier Billing technology since 2000. Danal's platform serves financial institutions and major retailers by delivering mobile transaction risk management and customer conversion solutions, aimed at reducing abandonment rates during registration and checkout. The company has established partnerships, including a marketing agreement with Discover, to enhance its offerings in the evolving mobile commerce landscape.

At London & Country, the UK's largest independent fee free mortgage broker, They help thousands of people every year find the right deal on their mortgage and life insurance. Their expert advice is fee free and Their service is simple and straightforward - saving you time and money.

Runpath is a financial technology company offering a broad range of bespoke digital services. They build tools that are designed to help people manage their money better. This technology is distributed by their clients around the web through ever-evolving propositions. Their technology stack of choice is Angular (Typescript) backed by client solutions and platform services all hosted on Azure built using the latest Microsoft .NET technologies: (MVC/Web API/Entity Framework/SQL Azure). They are a .NET shop, and like to utilise the latest technologies from ASP.Net and the community. They are based on Old Street in Central London.

BankBazaar.com is an online marketplace that provides consumers with instant, customized rate quotes for loans, mutual funds, and insurance products. The platform allows users to search, compare, and apply for financial products through its website and mobile app, which are designed with advanced technology. BankBazaar collaborates with over 50 prominent financial institutions and insurance companies in India, giving users access to a wide range of offers. Additionally, the platform features tools for tracking free credit scores and offers personal finance content to help users make informed decisions. Consumers can also monitor their applications and address any issues through various support channels, including the BankBazaar app, WhatsApp, email, and voice support.

Canopy, headquartered in London, United Kingdom, is a financial services company focused on transforming the renting experience for landlords, agents, and renters. It specializes in areas such as insurance, insurtech, proptech, and fintech, aiming to create an ecosystem that benefits all parties involved. By challenging traditional practices, Canopy designs straightforward solutions that cater to the needs of both landlords and renters. One of its notable offerings is Deposit Free™ Insurance, which replaces costly and often unnecessary cash deposits, allowing billions of pounds previously tied up in deposits in the UK to be reinvested into the economy. Through its innovative approach, Canopy seeks to enhance financial well-being and improve living conditions for individuals within the rental market.

String Automotive Solutions, Inc., based in Groton, Massachusetts, specializes in developing software tailored for auto dealers. Incorporated in 2012, the company aims to assist dealers in more effectively attracting, converting, and retaining in-market buyers. As a subsidiary of Experian Automotive since May 2017, String Automotive focuses on providing software solutions that enhance profitability for small- and medium-sized businesses in the auto retail sector. The company is committed to innovation and growth, seeking talented individuals to help establish itself as a leader in the automotive software market.

TrueData enhances the mobile ecosystem by connecting those who need data with those who have it. Contributors to our mobile data cooperative gain steady revenue plus insights about their users, while data clients gain a way to connect existing targeting info to real user profiles.

Nav is a free site and app that gives business owners the fastest, easiest and most trusted path to financing. The leading Business Financial Management app, Nav gives free access to personal and business credit reports from major consumer and commercial credit bureaus including Experian, Dun & Bradstreet, Equifax and TransUnion, and hosts a robust marketplace with more than 100 business financing products including loans and credit cards. The marketplace uses a unique, lender-neutral approach to help business owners find the best financing options for their needs. Nav's solution is also leveraged by other business service providers to enhance their customer experience.

Finicity enables a financial data-sharing ecosystem that is secure, inclusive and innovative. Through its real-time financial data aggregation and insights platform, Finicity provides solutions for financial management, payments and credit decisioning. It is also leading the development and promotion of industry standards. The company has developed more than 16,000 bank integrations, with the vast majority through connections that provide access to formatted bank data, improving information access and accuracy. Finicity is the winner of API World’s 2016 Finance API of the Year.

Canopy Pte. Ltd. is a financial technology company that specializes in data aggregation, visualization, analytics, and reporting solutions for wealth management professionals and high net-worth individuals. Founded in 2013 and headquartered in Singapore, with additional offices in Zug, Switzerland, Canopy offers an online platform that consolidates financial data from various sources, including electronic PDFs, into a standardized and structured format. Its services include investment portfolio visualization, customized analytics tools, and comprehensive reporting solutions that provide a complete overview of a client’s wealth. This platform enables financial institutions and wealth managers to securely monitor and manage their clients' investments, enhancing decision-making and client relationships.

CSID is the leading provider of global identity protection and fraud detection technologies for businesses, their employees, and consumers. With CSID’s advanced enterprise-level solutions, businesses can take a proactive approach to protecting the identities of their consumers all around the world. CSID’s comprehensive identity protection products advance from credit monitoring to include a full suite of identity monitoring services; insurance and full-service restoration; identity authentication and voice biometrics; and proactive breach mitigation and resolution.

iCare Beneifts is a for-profit social enterprise which enables manufacturers, social organizations, banks and service providers to serve workers at the bottom of economic pyramid. iCARE BENEFITS IS A BREAKTHROUGH EMPLOYEE BENEFITS SOLUTION FOR DEVELOPING COUNTRIES. iCB provides workers an employee benefits program at their workplace. With iCare Benefits, workers can access essential products and services that improve quality of life for both themselves and their families and contribute to their professional growth and productivity. iCare Benefits aims to give employees immediate access to essential products and services that will improve their quality of life and well being and enable Comfortable, Healthy, Smart and Prosperous Living both in the workplace and at home. Workers’ life will be improved along with the sustainable development of companies which have signed up for iCare Benefits Cooperation Agreeement. iCare Benefits’ products and services are aimed to help low- and moderate-income workers gain access to life quality improvement, healthcare, work more efficiently, widen knowledge, enhance skills, learn problem solving, positive thinking, self-motivation, interpersonal skills, etc.

Nav is a free site and app that gives business owners the fastest, easiest and most trusted path to financing. The leading Business Financial Management app, Nav gives free access to personal and business credit reports from major consumer and commercial credit bureaus including Experian, Dun & Bradstreet, Equifax and TransUnion, and hosts a robust marketplace with more than 100 business financing products including loans and credit cards. The marketplace uses a unique, lender-neutral approach to help business owners find the best financing options for their needs. Nav's solution is also leveraged by other business service providers to enhance their customer experience.

Passport Health Communications, Inc., a software-as-a-service company, provides revenue cycle management solutions and platforms. The company offers eCare Patient Access Suite, including solutions for patient demographic and insurance verification, compliance, and managing patient payments; OrderChecker that validates outpatient diagnosis and procedure codes; and IntelliSource, an integrated patient access system. It also provides OneSource, a Web-based user interface, which enables to verify patient demographic and insurance information, identify coverages, maintain payer compliance, and estimate and collect patient payments; BatchSource that allows for automation to upload, process, and download files for various transactions across the revenue cycle; and Registration Quality Assurance, a Web-based integrated solution, which automatically launches insurance eligibility real-time. In addition, the company offers Patient Payment Estimator that calculates estimates based on price information; eCashiering, a solution for processing patient payments prior to or at the point of service; Claims Management Suite, which provides solutions and services for claims submission, editing, denials, and reimbursements; Payment Navigator, an automated financial screening tool; and OrderRite, a single-user interface to submit, validate, and manage pre-certifications. Further, it provides patient verification, compliance, and payment management services. The company serves health care organizations, including hospitals, physician offices, surgery centers, durable medical equipment facilities, and skilled nursing facilities. Passport Health Communications was formerly known as InterMed, LLC and changed its name to Passport Health Communications, Inc. in 1998. The company was founded in 1996 and is headquartered in Franklin, Tennessee. Passport Health Communications, Inc. operates as a subsidiary of Passport Holding, Corp.

41st Parameter specializes in fraud detection and prevention solutions for various industries, including finance, e-commerce, and travel. Established in 2004, the company assists leading brands in safeguarding against cybercrime threats such as card-not-present fraud, account compromise, and fraud ring attacks. Through its advanced device identification technology and comprehensive risk management capabilities, 41st Parameter streamlines the fraud detection process, thereby reducing expenses and potential losses for its clients. The company also offers consulting, education, and implementation services, contributing to a safer online business environment.

Decisioning Solutions helps companies increase profits and decrease operational costs in intense competitive consumer and commercial markets through a powerful combination of solutions and analytics. These solutions and analytics enable organizations to make decisions that are more accurate, objective, and consistent while effectively identifying and managing important customer opportunities and risks such as convergent sales, customer satisfaction, attrition, and payment default. With these solutions, organizations are better prepared to compete in high volume, volatile, customer centric markets, and are able to respond quickly to changing business landscapes. These applications provide an inexpensive method to substantially decrease risk and improve results.

Conversen provides all the features and functionality needed to plan, execute, and optimize highly individualized, multichannel marketing programs, as well as build your own integrated applications for even greater control over your ROI. Conversen works exclusively with leading agencies and database marketing service providers who use the technology to execute next generation marketing campaigns for their clients. In addition Conversen's emphasis on "ease of use" reduces the learning curve and helps streamline the campaign production processes. The Conversen platform utilizes a "learn once, apply anywhere" approach so while the platform is capable of executing campaigns that range from simple to advanced in complexity - the differences in learning how to build them are small. For example, data rules created to drive dynamic content in an email marketing campaign promoting an offer for subscription renewal can also be used to do the same in a direct mail campaign weeks later.

192business provides online identity verification services. 192business provides organisations with identity verification, including personal data verification, fraud screening, online document verification and voice verification. It services a wide range of sectors, such as e-commerce, insurance, utilities, retail, finance and legal services, and has over 1,000 clients worldwide. Clients include Halfords, The Money Shop, Panasonic, ScrewFix and PKR.com.

Garlik are leading technology innovators and digital identity experts set up by the founders of the UK online banks Egg (part of Citi) and First Direct (part of HSBC). With our range of products and services we aim to help individuals stay safe from online crime. Specialties Internet, Online Crime, Digital Identity

Riskdisk is a provider of credit information and analytical tools specifically designed for small to medium enterprises (SMEs) in the United Kingdom. The company focuses on delivering commercial credit reports and risk information, helping businesses assess creditworthiness and manage financial risks. By offering tailored insights, Riskdisk supports SMEs in making informed decisions to enhance their financial stability and growth.

MPV is committed to improving business processes throughout the healthcare revenue cycle, resulting in increased efficiency and lower costs for medical groups, payers, employers and, ultimately, for patients. From improving payer contract management processes to verifying insurance and benefits to generating an accurate estimate of a patient's out-of-pocket expenses, MPV is your partner of choice. Their Web-based revenue cycle solutions enable providers to collect the right payment from the right party in the shortest amount of time, resulting in improved financial performance and a stronger bottom line.

Nightley, Inc., founded in 2011 and based in Tokyo, Japan, specializes in developing geo-analytics solutions that enhance business operations through big data and location analysis. The company's primary offering, "LOCAL INSIGHT," is a cloud service that simplifies regional task analysis and provides social media analytics and inbound insights. This platform serves agencies, brands, local merchants, and government organizations, enabling them to track and visualize foreign tourist hotspots. Nightley's geo-analytics engine collects and analyzes location data to facilitate communication between shop operators and customers, allowing businesses to understand behavioral trends and preferences of visiting tourists.

SafetyWeb is a company that specializes in cloud-based personal security products aimed at protecting privacy, identity, reputation, and safety. Founded in 2009, it offers a subscription service designed to assist parents in monitoring their children's activities on social networking sites. The company's tools empower parents to discuss safe online interactions with their children. By monitoring the web, SafetyWeb provides reports and immediate alerts regarding any irregularities or potential dangers associated with kids' and teens' online behavior.

Techlightenment Limited is a comprehensive social media agency that specializes in marketing-led, technology-driven solutions for brands looking to enhance their presence on social networks. The company has successfully developed campaigns for clients such as Samsung, MTV, BT, and Paramount Pictures, utilizing platforms like MySpace, Facebook, and Bebo, among others. Notable projects include a promotional application for Bob Dylan's album release and Socialistics, which aims to utilize social graph data. Techlightenment's expertise was first showcased with Friendvox, a browser-based instant messaging service launched in 2007, demonstrating their innovative approach to distributed social profiles. The agency focuses on brand marketing, monitoring, and analytics, helping multinational companies and global advertising agencies effectively identify and engage with their target audiences.

Mighty Net, Inc. provides online services to consumers interested in managing their credit behavior.

RentBureau is a consumer reporting agency in the US and an credit bureau software as a service company overseas. In the US, RentBureau collects how apartment residents pay their rent and uses that data to build apartment resident credit files. RentBureau is a consumer reporting agency. Data is collected directly from apartment property management systems on a daily basis. Apartment screening services access our data in order to inform their screening decisions.

A-Care Systems, Inc. operates as an email marketing and email campaign management company that delivers emails, hosts client data, and provides email marketing-based research services. The company also provides system implementation consulting, software development, and system operation solutions. It has a distribution engine ‘MEGAPOST’ that enables high speed and intelligent mail distribution. The company was formerly known as Synox Corporation. The company was founded in 1999 and is based in Tokyo, Japan. A-Care Systems, Inc. operates as a subsidiary of Experian Japan K.K.

United MailSolutions GmbH, a subsidiary of Experian Plc, is a German company located in Dusseldorf that provides email marketing services

SearchAmerica, Inc. specializes in recruitment for experienced professionals within the Management Consulting and Advisory Services sectors. Additionally, the company is involved in developing and producing software tailored for healthcare organizations. These software tools assist healthcare providers in predicting payment likelihood, minimizing bad debt, and verifying patient eligibility for financial aid. By combining expertise in both recruitment and healthcare software solutions, SearchAmerica aims to enhance operational efficiency and financial performance in these critical industries.

KreditInform is a provider of commercial credit information and analytics in South Africa. Founded in 1982, KreditInform operates one of the most comprehensive and up-to-date commercial information databases in South Africa. KreditInform maintains proprietary and public data on all registered companies in South Africa, including debtor records, payment histories, financial information, directorships, shareholding relationships and other commercial credit information, with records extending back over 25 years. KreditInform provides commercial information and solutions to over 2,000 customers in South Africa, including Nedbank, Standard Bank of South Africa, ABSA and FNB, helping companies to extend credit, monitor credit risk and assisting with collections strategies.

DP Information Group (DP Info) is Singapore’s leading credit and business information bureau. A veteran of nearly 3 decades, the company currently service 95% of Singapore’s financial institutions and some 75% of leading law firms. Through its 24/7 online information portal, QuestNet, DP enables its clients to make confident credit management decisions everyday based on comprehensive, accurate and reliable information. DP Info Group offers a credit management scores for the national credit consumer market and is also a developer of DP Credit Ratings, its own proprietary corporate credit ratings model based on the global probability of default approach. DP Info is a strong advocate for the SME and entrepreneurial segment, managing and operating an ACRA-appointed service bureau, DP Bureau, which assists SMEs and entrepreneurs in starting their business and operating them effectively and efficiently through their initial years.

N4 Solutions Ltd. operates as a mortgage sector and financial services software provider. N4 Solutions offers a software solution that supports the distribution of various financial services products, including mortgages, insurance, personal loans, credit cards, savings and investments, retail banking, and wealth management/financial planning

The pH Group is a provider of data and analytics, offering business analytical and consulting services to help clients identify new opportunities and develop targeted marketing strategies. It serves a diverse array of industry sectors, including financial services, information technology, and telecommunications. By delivering information, analytical tools, and marketing services, the company assists organizations and consumers in making informed commercial and financial decisions.

Founded in 2001, Emailing Solution provides email development, delivery and management services to over 300 clients in the retail, catalogue, financial services and media sectors. All emails are sent on behalf of clients to consumers who have given their consent to receive marketing and commercial emails. Its clients include AXA, Orange, Staples and HP.

Experian Hitwise is the leading online competitive intelligence service. Experian Hitwise gives marketers a competitive advantage by providing daily insights on how 25 million Internet users around the world interact with more than 1 million Web sites. This external view helps companies grow and protect their businesses by identifying threats and opportunities as they develop. Experian Hitwise has more than 1,500 clients across numerous sectors, including financial services, media, travel and retail. Experian Hitwise (FTS:EXPN), www.experianplc.com, operates in the United States, the United Kingdom, Australia, New Zealand, Hong Kong, Singapore, Canada and Brazil. More information about Experian Hitwise is available at www.hitwise.com. For up-to-date analysis of online trends, please visit the Hitwise Research Blog and Hitwise Data Center.

Informarketing Ltda is a direct marketing services provider in Brazil. Founded in 1995, Informarketing provides marketing data, services and analytical tools primarily to the financial services sector. Its clients include multinational and local companies, including HSBC, Banco Safra and UOL, the largest Internet Service Provider in Brazil.

Founded in 1992, Sinotrust provides business information, market research, consulting and database marketing services to both foreign multinationals and local companies operating in China. Sinotrust helps clients in the automotive, banking, insurance, telecommunications, healthcare, technology and retail sectors.

Started in 1994, ERS provides research and consultancy services to the public sector, specialising in economic development and regeneration. Its key clients include government departments and agencies, local authorities, voluntary bodies and regional development agencies.

Krediidiinfo is the primary consumer and commercial credit information group. Krediidiinfo, which will be known as Krediidiinfo A/S, an Experian company, currently employs 30 people in Tallinn and Tartu. As well as operating business and consumer credit bureaux, Tallinn also offers credit management and B2B marketing services. Krediidiinfo’s clients include most of the country’s leading financial services providers, utilities, telecommunications and retail companies, as well as many Nordic banks with operations in Estonia.

Serasa Experian has been present in Brazil for more than 45 years, being the biggest reference in the information service for companies and consumers. Credit, marketing, certification and data consultation solutions guarantee the constant growth of companies from all segments, whether they are family or publicly traded.

Eiger Systems is a market-leading provider of bank account validation and payment processing software. Eiger Systems develops bank account validation and payment processing software, which reduce the risk and cost involved with electronic transactions. Eiger Systems’ software enables organisations to validate consumer and corporate bank sort code and account details, whether captured on paper, online or over the telephone, and ensures they are submitted securely to BACS, the UK’s automated clearing house. This enables organisations to ensure that Direct Debits, such as the collection of utility bills, and direct credit payments to suppliers or employees are set up with accurate bank details and arrive at the correct destination account. Around one in three of all UK Direct Debits and direct credits are processed by Eiger Systems’ software.

Catalist provides a comprehensive range of information to the retail petrol market including daily fuel price information for competitive pricing, demographic data for catchment area analysis, site analysis, branch network planning, drive time information, site performance modelling, and sales territory planning. Catalist maintains complete databases in Austria, Belgium, France, Germany, Italy, Luxembourg, Netherlands, Norway, Portugal, Republic of Ireland, Spain, Switzerland and the UK. In addition, sample databases are completed with full surveys planned or underway in China, Hungary, India, Japan, Malaysia, Nigeria and Singapore. Future priority countries include Bulgaria, Canada, Czech Republic, Denmark, Estonia, Finland, Latvia, Lithuania, Poland, Russia, Slovakia, Sweden and the USA.

ClarityBlue designs, builds and manages marketing databases for large companies with millions of customers. These customers can undertake multiple transactions with the companies often on a daily basis and through different channels. ClarityBlue helps its clients to make better-informed decisions more quickly about how to target and acquire new customers and retain existing customers. It works for financial services providers, entertainment companies, mobile phone operators and Internet Service Providers.

FootFall Ltd is the European market leader in customer counting technology and retail information integration services. Since it was founded in 1991, Solihull based FootFall Ltd has established customer counting as a key performance indicator, enabling retail property professionals to achieve maximum operational efficiency and assess performance on a continuous basis. It now operates internationally in eleven countries including Spain, Hong Kong, France and Germany, and across a number of markets including retail property, leisure, airports and financial services.

PriceGrabber.com, Inc., based in Los Angeles, California, is an online commerce platform that connects millions of consumers with a wide array of retailers. Established in 1999, the platform enables shoppers to compare prices on a diverse range of products, including electronics, furniture, groceries, and jewelry. In addition to serving as a comparison shopping site, PriceGrabber operates a network of over 400 digital publisher partners, allowing them to enhance their applications with product links and images. This collaboration facilitates audience engagement and revenue generation for publishers while helping retailers increase their sales by exposing their product catalogs to a broader audience. As of June 2015, PriceGrabber operates as a subsidiary of Connexity, Inc.

Prediction Analytics Inc (PAI) helps retail, restaurant and real estate professionals achieve optimum performance and maximum return on capital through the Retail Performance Modelling (RPM) platform. It enables clients to conduct predictive analyses on locations, marketing and operations in a way that delivers visibility into the multitude of variables that contribute to store performance. Users are able to interact with the RPM platform to conduct dynamic “what-if” scenarios enabling real-time decisions that impact results. Since it was established in 1977, Texas-based PAI has advised major retailers around the world where it has evaluated over 100,000 locations for retail outlets and restaurants. PAI’s acquisition by Experian combines new innovative approaches to predictive modelling with Experian’s extensive and unique retail data sources. An essential element of TAOS is the ability to forecast demand from a variety of different sources so that Experian data is incorporated into each TAOS system to support the modelling process.

Prologia Limited is a software company specialising in financial risk planning and management. Created in 1984, Prologia has been part of the Air Liquide services group since 2000. Prologia will become part of Experian-Scorex, Experian’s specialist decision support business, and will enable Experian-Scorex to enlarge its portfolio of risk management solutions.

Expert Credit Bureau is the banking and non-banking industries in Romania. ExCB has been in operation since early 2005, serving clients from the banking and non-banking industries in Romania. ExCB currently holds mostly negative data but plans to move into both positive and negative data processing shortly.

Baker Hill Corporation provides banking process solutions tailored for financial institutions in the United States. The company specializes in cloud-based loan origination software that streamlines origination and portfolio management for various lending types, including business and consumer lending. Its flagship product, Baker Hill Advisor, integrates sales management, client profitability, and portfolio management to enhance client relationships. Key modules of this platform include Client Advisor for client attraction and retention, Exception Advisor for compliance and exception management, and Portfolio Risk Advisor to help banks identify and mitigate risks. By offering comprehensive tools for collateral management, document management, and loan onboarding, Baker Hill enables financial institutions to drive growth, reduce risk, and improve overall productivity and profitability.

Vente, Inc is a supplier of online consumer research and permissioned targeting. Founded in 1999, Omaha, Nebraska-based Vente has become one of the world’s leading online consumer data and intelligence gathering firms. The acquisition is consistent with Experian’s global strategy of acquiring complementary businesses that provide new products, new data or entry into new vertical or regional markets, while leveraging the core assets of Experian.

ClassesUSA.com, Inc. is an online higher-education portal that caters to professional adults seeking access to various educational opportunities. Founded in 2001 and headquartered in New York, the company provides comprehensive content related to online associate, bachelor's, master's, and post-graduate degrees, as well as online certificate programs and traditional college degrees. Additionally, it offers resources on career school programs, education financing, and test preparation. ClassesUSA.com features a platform that assists students in finding schools and acquiring degrees that align with their needs. The company has established strategic partnerships with several prominent online platforms to enhance its reach and services. As of 2005, it operates as a subsidiary of Experian Information Solutions, Inc.

The Future Foundation Group is a London-based consumer think-tank and strategic consultancy. The Future Foundation Group is a commercial think tank and strategic consultancy. It has a very strong reputation for thoughtful and credible futures research. Over the last 9 years it has produced a number of high profile studies that have determined the strategic development of organisations in the private, public and not for profit sectors. The Future Foundation is structured to work with clients in a variety of ways, but has two core offers:

LowerMyBills, Inc. is an online service that enables consumers to compile and compare plans and rates for various monthly services. Founded in 1999 and headquartered in Santa Monica, California, the company offers a platform for comparing options in areas such as long-distance and cellular phone services, internet access, loans, credit cards, debt solutions, utilities, and insurance. LowerMyBills helps users find the best rates on loans, including mortgage refinancing, home-equity loans, home-purchase loans, debt-consolidation loans, and auto loans. By partnering with multiple financial providers, the service aims to assist consumers in reducing their monthly expenses and overall cost of living. LowerMyBills operates as a subsidiary of Experian Information Solutions, Inc. since May 2005.

Thermo Media is a pay-for-performance advertising network and will add complementary products and services.

AutoLocate is the specialist software and e-business solutions organisation. AutoLocate has extensive automotive market knowledge and specialises in the development of web-based solutions, including dealer website development, automated sales reporting and Internet-based data solutions. The company has an established automotive dealer client base.

Equifax Italy SRL is the provision of consumer and business information to the financial services sector as well as real estate information.

MRI-Simmons is the leading provider of insights on the American consumer. With thousands of attitudinal and behavioral data points, gathered through ongoing surveys and passive measurement, MRI-Simmons empowers advertisers, agencies and media companies with deeper insights into the “why” behind consumer behavior. MRI-Simmons combines best-practice survey methodologies with an innovative technology platform and advanced data visualizations. MRI’s Survey of the American Consumer® is the industry standard for magazine audience ratings. In parallel, the company has been at the forefront of innovation, significantly accelerating the time to insights for brand builders, strategists, planners and sales regardless of their data acumen. Launched as a joint venture in 2019, MRI-Simmons is co-owned by GfK and SymphonyAI Group, with GfK as the majority partner. To learn more, visit https://mrisimmons.com, or follow @MRI-Simmons on Twitter.

QAS Limited is a supplier of address management software in the UK and offers data and services to find, record, keep, and use customer contact details.

Ireland Direct Communications is one of Ireland’s direct mail and data specialists. Based in Dublin and founded in 1998, Ireland Direct Communications will operate as Experian’s Marketing Services division in Ireland. With a client base consisting of blue-chip organisations, Ireland Direct Communications has gained the reputation as Ireland’s premier provider of consumer data, lifestyle and demographic profiling services and database management solutions.

Intermediary Systems (ISL) is a risk modelling consultancy and software supplier providing a comprehensive range of professional support services to insurers on all aspects of risk selection and risk management. With over 90 customer licences in place for its products and services, ISL is a high quality niche player and the market leader in the supply of data to assist general insurance risk pricing in the UK. The Whatif?™ market analysis product is the standard in the insurance market and the ISL perils models are recognised as being the most accurate and of the highest quality currently available. A number of the key data sets feeding into the perils models are exclusive to ISL and the team has built up a detailed knowledge base in this area over a number of years. ISL started out in 1991 and focused initially on bespoke quotation software and market analysis software for household insurance. In 1997 the company expanded its range of products, focusing on market analysis software for other lines of general insurance and on data models to assist risk pricing. The team is an experienced blend of software engineers, developers, statisticians, PhD level flood risk specialists as well as geographical information systems analysts and insurance professionals. ISL is now the established leader in the UK insurance market, offering high quality software designed to analyse and assist in the pricing of personal and commercial lines insurance.

Smartal Solutions is the business intelligence and solutions company in Hong Kong and China. Smartal Solutions services are used by many industries such as financial services, communications, retail, utilities and insurance and by clients such as Caltex, Citibank, Café de Coral, CLP Power, DBS Bank, Hewlett Packard, Sun Hung Kai Properties, the Transport Department and SmarTone. Additionally, Smartal partners with government agencies, including the Hong Kong Census & Statistics Department, Hongkong Post and Lands Department, to provide quality value-added solutions and services to its clients.

Americas Software Corp is a developer and marketer of regulatory compliance software systems. Americas Software, headquartered in Miami, FL, helps financial institutions worldwide comply with international anti-money laundering regulations, including the USA Patriot Act. Founded in 1985, the company applies statistical analysis to account profiling and transaction trend monitoring software that helps banks, brokerage firms, insurance firms and other businesses detect, investigate, and report money-laundering activities.

Cheetah Digital is a provider of cross-channel customer engagement solutions tailored for modern marketers. The company offers a Customer Engagement Suite that empowers enterprise brands to enhance revenue, foster enduring customer relationships, and facilitate unique value exchanges throughout the customer lifecycle. Cheetah Digital's platform allows marketers to create personalized experiences, implement cross-channel messaging, and develop loyalty strategies, all supported by an engagement data platform designed to adapt to the evolving needs of today's consumers. By focusing on marketers rather than IT-centric approaches, Cheetah Digital positions itself as a leader in delivering effective marketing solutions.

Founded in 1996, Dulles, VA-based MarketSwitch is the leader in the emerging business category of Enterprise Marketing Optimization. Serving Fortune 500 firms, the company markets its enterprise solutions to large corporate end users and marketing automation service providers. MarketSwitch associates are widely published professionals with superior expertise in marketing, financial analytics, quantitative sciences, and software development. Our world-class scientific talent, coupled with superior strategic marketing know-how, enables us to build true enterprise-level decision support systems for the marketing executive.

Nordic Info Group is a privately held company that provides credit and business information on businesses and individuals.

MyPoints.com, Inc. provides Internet direct marketing services. Its approach to direct marketing provides Internet consumers with the opportunity to earn rewards by responding to direct offers, and by participating in other online and offline activities, and provides businesses with an integrated set of online customer acquisition and retention tools. The company is based in San Francisco, California. As of April 10, 2006, MyPoints.com, Inc. operates as a subsidiary of Prodege, LLC.