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Experian has launched the next generation of its Experian Virtual Assistant, EVA™, advancing its Consumer First AI strategy. The enhanced EVA delivers smarter, more adaptive conversational financial guidance, powered by trusted data, to help millions of consumers make informed everyday financial decisions.
“This next generation of EVA reflects the direction of our consumer AI strategy,” said Debbie Hsu, Executive Vice President of Product, Experian Consumer Services. “We are bringing together conversational AI, personalization, and our trusted data foundation to deliver guidance that is intuitive, relevant, and actionable. Our focus is on helping consumers make smarter financial decisions in ways that feel simple and empowering.”
Since its initial launch, EVA has enabled secure, real-time credit understanding through conversation. The updated version connects to financial accounts for deeper visibility into spending habits, helping users track trends over time, spot unnecessary expenses, and manage subscriptions and upcoming bills effectively.
EVA analyzes connected accounts to highlight patterns—such as rises in dining or subscription spending—identify largest transactions, and surface expected due dates and recurring costs. This turns raw financial data into clear, practical guidance, enabling members to see exactly where their money goes in near real time and how it impacts their broader financial picture—all through natural, seamless dialogue.
The assistant evolves with each interaction, tailoring explanations, surfacing relevant insights, and aligning recommendations to personal goals. Experian applies rigorous governance, testing, and oversight to ensure fairness, transparency, and strong consumer protection. Grounded in its credit expertise and permissioned data, EVA maintains privacy and security as foundational elements, empowering users—from credit newcomers to those exploring new opportunities—with confident decision-making.
“By combining advanced AI with consumer first design and a foundation of trusted data, we are expanding access to personalized financial tools and creating more opportunities for financial inclusion,” Hsu added.
This update aligns with Experian’s vision to integrate adaptive AI throughout the consumer journey. It complements other innovations, such as the Experian Insurance Marketplace integrated with ChatGPT, delivering personalized insights and opportunities conversationally. Together, these efforts position Experian as a trusted partner—often called a Big Financial Friend (BFF)—helping consumers navigate key financial moments with greater clarity and ease.
About Experian
Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and software. We also assist millions of people to realize their financial goals and help them to save time and money. We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments. We invest in talented people and new advanced technologies to unlock the power of data and to innovate. A FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 25,200 people across 33 countries. Our corporate headquarters are in Dublin, Ireland.
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