Experian expands into AI agents with ServiceNow partnership

Having launched an artificial intelligence-based virtual assistant in the spring, Experian plc is driving AI deeper into its operations with a commercial agent-based platform designed to bring its risk, identity and decision-making capabilities into enterprise workflows.

The Agent Operating System aims to provide customers with high-quality information more quickly, increase the number of clients the company can serve, and bring new customers into the fold.

Agent OS is a platform capability supporting commercial products, rather than a standalone product, Mehta said. For example, a customer could incorporate the credit rating giant’s model risk management capabilities into an existing governance, risk and compliance system. Other immediate applications include employee onboarding and verification.

The deployment builds on years of experimentation with machine learning and other forms of AI. Experian believes the technology can process information faster and identify patterns that earlier approaches missed, potentially helping lenders assess consumers with little or no credit history, said Vijay Mehta, Experian’s new chief AI officer. They also help the computer fight fraudsters, nearly all of whom now use advanced AI themselves.