Experian can now sell Aire’s credit insight combined with their bureau and decisioning services. Aire continues to partner directly with lenders.

Experian and Aire are already working on integrating Aire's credit insights directly into Experian's PowerCurve credit decisioning platform for N Brown. This follows an initial proof of concept (POC) with Aire, which demonstrated value in the additional insight, and enabled better decisions to be made on customer applications. The integration with Aire and Experian now enables a full commercial rollout in an efficient way for N Brown.

Aire’s Chief Commercial Officer, Matt Davies, said, “We have always looked to augment traditional credit bureau data with Aire’s credit insight engine. The Aire and Experian partnership we are announcing today will open a previously underserved credit population for lenders in a convenient, efficient, and scalable way. We are confident the combination of Aire and Experian data creates a market leading proposition which will be attractive across multiple sectors and the full lending spectrum where lenders want to gain additional information on applicants to make better credit decisions.”

Jonathan Westley, Experian’s Chief Data Officer, said, “Aire’s credit insight engine has been used successfully in online originations and collections journeys by obtaining additional information from customers. The information, added to existing bureau data, helps lenders to enhance and further automate credit decisioning. Aire will enable Experian to offer a new and innovative solution for people with thin credit files, which will help our clients to improve their credit decisions.”

Chris Kevill, Credit Risk Director at N Brown said, “We pride ourselves on providing affordable lending to our customers and our ambition is to responsibly say yes to more customers by leveraging new data and analytics. Following the successful proof of concept with Aire, we are delighted to be moving to a full rollout which will lead to better outcomes for our customers.”