AI is moving from supporting decisions to helping organisations take action faster, smarter and more safely.

In this episode of Connected with Experian, Waseem Mirza speaks to Keith Little, President of Experian Software Solutions, about how agentic AI is reshaping lending, fraud prevention and customer decisioning.

From faster credit applications and smarter fraud detection to the future of AI-powered operating systems, Keith explains how Experian is bringing together trusted data, analytics, software and AI to help businesses make better decisions at scale. The conversation explores why trust, auditability and human oversight are essential as AI becomes more autonomous, especially in regulated industries like financial services.

The discussion also looks at the practical side of innovation: how businesses can overcome fragmented systems, improve data quality and use AI agents to reduce manual work while keeping control, security and customer outcomes front and centre.

In this episode:

How Experian is evolving from credit bureau to data technology partner
Why trusted data matters more in the age of AI
How agentic AI can support lending, fraud and decisioning
The balance between automation, regulation and human oversight
Why fragmented systems hold businesses back
How AI agents can help fraud teams work faster and more effectively
What an agentic operating system means in practice
Why the future of lending will be more personalised and connected

Memorable takeaway
As Keith puts it, the real opportunity with AI is not just speed or automation, but bringing intelligence, trusted data and strong guardrails together so businesses can make better decisions safely.

About the guest
Keith Little is President of Experian Software Solutions, leading global software and platform capabilities across Experian. His work spans analytics, fraud, credit, decisioning, AI and the technologies that help clients build smarter, safer customer experiences.

About the podcast
Connected with Experian explores how data, technology and intelligent decisioning are reshaping modern business. Through conversations with leaders across financial services and beyond, the series looks at how organisations are building trust, improving outcomes and using innovation responsibly.

In this first episode of Connected with Experian, Waseem Mirza speaks to Dan Kellett, Director of Lending and Data Analytics at Carmoola, about what that shift looks like in practice.

From faster credit decisioning and smarter use of data to fairness, fraud and customer experience, this conversation explores how lenders can move from experimentation to real-world impact. Dan shares how Carmoola is using AI to make car finance faster and simpler, why strong data foundations matter more than ever, and where businesses should focus if they want to turn AI into something genuinely useful for customers.

The discussion also looks at responsible innovation: how to balance speed with trust, why human oversight still matters, and what the future of digital-first lending could look like.

In this episode:

• How AI is speeding up model development and decisioning
• Why data quality matters more than data volume
• The three key lending decisions: credit, affordability and fraud
• How customer outcomes should shape AI use cases
• The role of governance, fairness and human oversight
• Why legacy organisations can still catch up
• How AI could help create a more frictionless car-buying experience

Memorable takeaway

As Dan puts it, the organisations most likely to succeed with AI are not the ones chasing hype, but the ones focused on clear customer outcomes and strong data foundations.

About the guest

Dan Kellett is Director of Lending and Data Analytics at Carmoola, the UK digital car finance fintech focused on making car buying simpler, faster and more customer-friendly. 

Find out more at: https://www.carmoola.co.uk/

About the podcast

Connected with Experian explores how data, technology and intelligent decisioning are reshaping modern business. Through conversations with leaders across financial services and beyond, the series looks at how organisations are building trust, improving outcomes and using innovation responsibly.