What Experian Information Solutions does

Experian Information Solutions, Inc. is the US-domiciled subsidiary of Experian plc (LSE: EXPN), a global data and analytics company founded in 1980 and headquartered in Costa Mesa, California, with operations spanning 32+ countries. The company supplies credit reporting, fraud detection, anti-money laundering (AML) and know-your-customer (KYC) compliance, predictive analytics, and decisioning software to banks, insurers, fintechs, telecoms, energy companies, government entities, and SMEs. In Denmark, where the experian.dk web presence is the primary source for this profile, the company operates the RKI debtor register, which covers practically all of Denmark's business sector and serves as the structural foundation for its local credit bureau, collections, and credit reporting services.

The product portfolio is organized around the credit lifecycle: credit risk and decisioning (Credit Board, PowerCurve, KreditCheck, Credit Reports, Commercial Delphi); fraud and compliance (FraudNet, Fraud Index, AML, UBO/beneficial owner verification, KOB Open, B2B Onboarding); collections and recovery (RKI Rykker og Inkasso, Aktiv KreditSikring); advanced analytics (Ascend, Convex, Aperture Data Studio, IFRS9, Stress Testing, Open Banking Analytics); and business data (BusinessInsight/Virksomhedsdata, KOB Open API). The underlying technology is a cloud-based data and analytics platform combining bureau data with PSD2 open banking transaction data and machine-learning scoring models, delivered via APIs, embedded ERP/CRM integrations (including Microsoft Dynamics AX), and direct enterprise software.

The business model is predominantly B2B subscription- and usage-based, with credit bureau subscriptions feeding the bulk of revenue, complemented by software/managed service subscriptions for analytics and decisioning, per-transaction fraud and AML screening, and API/embedded data feeds. Go-to-market is a sales-led enterprise motion (direct field sales to banks, insurers, and government), augmented by technology and channel partnerships (BIGNet for cross-border European bureau reporting, Uniify for B2B onboarding, Subaio for PSD2 open banking in the Nordics, Mifundo for EU credit portability, AWS for cloud distribution) and self-service portals (dininfo.dk, kreditstatus.dk) for SMB and consumer-facing use cases. Pricing is quote-based and negotiated, with no publicly disclosed list pricing.

Name

Experian Information Solutions

Legal name

Experian Information Solutions, Inc.

Website

https://experian.dk

Company type

Public

Founded year

1980

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Experian Information Solutions provides credit risk management, fraud prevention, and compliance analytics for banks, insurers, fintechs, and enterprises globally. It operates credit bureau databases including Denmark's RKI register and offers decisioning, AML/KYC, and open banking analytics across 30+ countries.

Ownership category

akta.pro rank

Product category

Credit Data and Analytics

NAICS

Credit Bureaus (56145), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

akta.pro secondary industries

Consumer Credit Decisioning & Underwriting Platforms (FSAKAKAG), Risk Analytics, Portfolio Monitoring & Early-Warning (Consumer Credit) (FSAKAKAH), Alternative / Non-Traditional Credit Data Providers (FSAKAKAB), Credit & Underwriting Data Services (alt data feeds, affordability, bureau augmentation) (FSAGACAH), Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI)

Keywords

• Credit bureau services
• Fraud prevention solutions
• Credit risk analytics
• AML compliance software
• Business credit reporting

Headquarters

HQ city

Copenhagen

HQ country

Denmark

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Credit Bureau & Data Services: Experian generates revenue through credit bureau services including credit reports, RKI registry access, credit scores, and business data. These are primarily subscription-based or usage-based services accessed by businesses and financial institutions for credit risk assessment.
2. Analytics & Decisioning Software: Revenue from software platforms including PowerCurve, Convex, Ascend, and Aperture for credit decisioning, advanced analytics, and data quality. These are sold as software subscriptions or managed services to enterprises.
3. Fraud & Compliance Solutions: Fraud detection (FraudNet, Fraud Index), AML compliance, and KYC solutions sold to banks, fintechs, and regulated businesses on a subscription or per-transaction basis.
4. API & Data Integration Services: Revenue from open banking analytics APIs, KOB (Company Information) integrations, and data feeds integrated directly into customers' ERP, CRM, and financial systems.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

Experian supplies data, analytics, and software solutions that help businesses and financial institutions manage credit risk, prevent fraud, comply with AML/KYC regulations, and automate credit decisioning. Its portfolio centers on the RKI debtor register (covering most of Denmark's business sector), credit reporting, scoring models, fraud detection platforms, AML screening, open banking analytics, and API-based business data integration into ERP/CRM systems.

Product overview

Experian operates as a diversified data and analytics company offering a broad portfolio of products organized into several solution categories. The core offering centers on the RKI Register, Experian's well-established debtor and payment remark registry for both individuals and businesses, which forms the foundation of their credit reporting business in Denmark. Beyond the RKI registry, the portfolio spans: (1) Credit Risk & Decisioning solutions including Credit Board, PowerCurve, KreditCheck, Credit Reports, and Commercial Delphi for credit assessments and automated decision-making; (2) Fraud & Compliance solutions including FraudNet, Fraud Index, AML, and UBO screening for identity verification and regulatory compliance; (3) Collections & Recovery including RKI Rykker og Inkasso and Aktiv KreditSikring for debt collection and ongoing credit monitoring; (4) Advanced Analytics including Ascend, Convex, Aperture Data Studio, IFRS9 modeling, Stress Testing, and Open Banking Analytics for predictive modeling and data-driven insights; and (5) Business Data including BusinessInsight/Virksomhedsdata and KOB Open API for market intelligence and system integration. The architecture is product-based rather than a unified platform, with solutions available individually or in combination to address specific customer needs across the credit lifecycle.

Differentiator

Problem solved

Functional benefit

Brands

• RKI: Experian's debtor register containing payment history and payment remarks for individuals and companies in Denmark.

Products and services

• RKI-registret (RKI Register) Experian's flagship debtor register (skyldnerregister) holding payment history and financial remarks for individuals and businesses in Denmark; supports creditworthiness assessment by financial institutions and self-checks by consumers.
• PowerCurve Automated credit decisioning and process optimization platform that streamlines credit workflows throughout the customer journey.
• Experian FraudNet Fraud detection and prevention solution that identifies suspicious activity and protects businesses against fraudulent transactions.
• Experian AML Compliance solution for anti-money laundering screening against PEP and sanctions lists, helping businesses comply with AML regulations.
• Experian Credit Board Credit decisioning tool for performing credit and creditworthiness assessments across the customer lifecycle.
• Experian Convex Predictive and analytical modeling platform for building statistical and machine learning models.
• Experian Ascend Advanced analytics platform providing on-demand analyses for challenges and needs across the customer lifecycle.
• Aperture Data Studio Self-service data quality and enrichment solution enabling businesses to manage and improve their data assets.
• Open Banking Analytics Delivers transaction data into credit models and automates credit decisions through PSD2 open banking integration.
• KreditStatus Provides information about consumers' existing loans and credits, giving insight into current debt obligations for comprehensive credit assessment.
• Commercial Delphi (Delphi Scoring) Commercial credit scoring solution providing insight into a company's payment patterns and future payment ability for business credit decisions.
• Kreditrapporter (Credit Reports) Danish, Nordic, and international credit reports providing credit assessments across different geographic scopes.
• KOB Open API-based business data integration delivering real-time company data directly into customers' ERP, CRM, or financial systems for automated updates and ongoing credit assessments.
• Reelle Ejere / UBO (Ultimate Beneficial Ownership) Verification service for identifying and verifying beneficial owners against PEP and sanctions lists for KYC compliance.
• Experian Automated Loan Restructuring Tool Automation tool for restructuring customers' loans, streamlining the refinancing process for lenders and borrowers.
• Experian Fraud Index Fraud risk indicator tool that helps identify potential fraud before it occurs, providing early warning signals.
• IFRS9 Financial modeling solution for credit loss projections and impairment calculations under the IFRS 9 accounting standard.
• Stress Testing Stress testing solution for predicting the impact of specific economic scenarios on customer portfolios.
• B2B Onboarding Smart, data-driven onboarding solution for new business customers, streamlining Know Your Business (KYB) and compliance processes.
• BusinessInsight / Virksomhedsdata Business database providing market data, credit assessments, and audience targeting capabilities for finding new customers and demonstrating business creditworthiness.
• Experians Konkursmodel (Bankruptcy Model) Predictive model that measures the financial health of customers and forecasts potential bankruptcy risk to prevent losses.
• Betalingsmønster (Payment Patterns) Provides insight into a business's payment patterns and creditworthiness based on historical transaction data.

Quantifiable outcome

• RKI registrations are automatically deleted after 5 years or immediately upon full debt repayment
• +2 more outcomes

Named customers6 records

Segments8 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature16 records

Partnerships

Six partnerships are on record, tiered core and minor.

• BIGNetcoreStrategic or Co-development PartnerExperian is part of BIGNet, an international network of leading credit assessment bureaus that deliver the highest quality local business data in each country. Through this collaboration, Experian offers online credit reports on businesses across large parts of Europe in a standardized format with consistent risk assessment, regardless of country. Reports are delivered in the customer's preferred language and provide a solid decision basis for cross-border trade and credit.
• UniifycoreTechnology or IntegrationExperian partners with fintech company Uniify to set new standards for data-driven B2B onboarding across industries. The collaboration combines Experian's many years of experience with data, credit assessment, and risk signals with Uniify's intuitive digital onboarding flows. By integrating Experian's real-time data directly into Uniify's digital platform, banks, fintechs, and companies can make informed decisions faster and more securely in a single onboarding journey.
• SubaiocoreTechnology or IntegrationExperian partners with Subaio in the Nordic region to strengthen credit assessments through analysis of transaction and payment data based on open banking (PSD2). Subaio's technology identifies recurring payments and financial patterns which, combined with Experian's credit data from RKI and KreditStatus, provides a more nuanced and precise picture of a borrower's economy. This helps lenders in Denmark, Norway, Sweden, and Finland make better decisions, reduce risk, and support responsible lending.
• MifundocoreStrategic or Co-development PartnerExperian has partnered with fintech company Mifundo to improve credit assessment across EU countries, particularly for persons moving between countries. Mifundo's technology enables credit information to be transferred across national borders, so individuals do not lose their creditworthiness when moving. Experian provides trustworthy credit data and market insight, while Mifundo aggregates data across countries. Together they support financial mobility, higher precision in credit assessments, and increased financial inclusion in Europe.
• System Integrators and Technology Platform CompaniesminorImplementation/ SI/ Consulting PartnerSystem integrators and technology platform companies can integrate Experian's solutions to increase their value proposition and support customer acquisition and retention. Integration enables Experian data and software to be embedded in customer workflows.
• Managed Service Providers and OutsourcersminorImplementation/ SI/ Consulting PartnerManaged service providers and outsourcers can access transformation capacities to deliver services on behalf of another organization across both private and public sectors, maximizing operational efficiency without compromising customer experience.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Creditsafe: European business credit reporting and decisioning company offering company credit reports, monitoring, and analytics across multiple countries. Directly competes with Experian's commercial credit reporting business in Europe.
• TransUnion: Global credit bureau and information services company competing head-to-head with Experian in consumer and commercial credit reporting, fraud, and analytics. Closely aligned business model, customer base, and product portfolio.
• Dun & Bradstreet: Leading provider of commercial business credit data and decisioning, overlapping directly with Experian's BusinessInsight, Commercial Delphi, and corporate credit reporting offerings. Particularly comparable on B2B credit information.
• Equifax: One of the three major global consumer credit bureaus alongside Experian and TransUnion, offering credit reports, scores, fraud prevention, and analytics. Directly comparable across the same product categories, customer segments, and regulatory exposure.
• CRIF: Italy-headquartered credit bureau and information provider operating across Europe with consumer and business credit data, decisioning platforms, and open banking services. A direct competitor in the European credit bureau market Experian serves through BIGNet.

Broad incumbents

• LexisNexis Risk Solutions: Provides data, analytics, fraud detection, and identity verification solutions within the broader LexisNexis portfolio. Overlaps materially with Experian's fraud, compliance, and risk analytics products.
• Moody's (Bureau van Dijk): Provides global business information and corporate data through Bureau van Dijk, overlapping with Experian's commercial credit and KOB Open offerings. Sits within Moody's broader analytics platform rather than competing as a credit bureau specialist.

Emerging players

• GBG Group: UK-headquartered identity verification, fraud, and compliance provider with overlap in KYC, AML, and onboarding products (similar to Experian's FraudNet, AML, UBO offerings). Comparable customer base across financial services with a more focused product set.
• Plaid: Open banking data aggregator enabling applications to access bank account and transaction data. Competes with and complements Experian's Open Banking Analytics in delivering alternative underwriting data feeds to lenders.

Regional players

• Schufa: Germany's dominant consumer credit bureau, providing credit scoring and reporting primarily for the German market. Comparable in business model to Experian but operates as a regional incumbent in its domestic market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Experian Information Solutions