COSTA MESA, CALIF. -- Experian unveiled the next evolution of the Experian Virtual Assistant, EVA™, a significant advancement in its Consumer First AI strategy that expands personalized, conversational financial guidance to millions of consumers.

“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.”

Built to scale intelligent financial guidance through a more adaptive experience, the enhanced EVA expands beyond credit insights to provide near real-time spending analysis, tailored recommendations, and relevant financial offers based on available account data. Powered by Experian’s proprietary data, consumer-permissioned information, and advanced artificial intelligence capabilities, EVA is available to deliver intelligent financial support to more than 85 million members.

This evolution reflects Experian’s broader commitment to embedding adaptive AI across the consumer journey and transforming how people engage with their financial information.

A Financial Copilot for Everyday Decisions*

Since launch, EVA has helped consumers better understand their credit through secure, real-time conversations. With this latest evolution, members gain visibility into how everyday spending affects their overall financial picture through insights from connected financial accounts.

Spending trends over time can be tracked, top categories and largest transactions identified, and opportunities to reduce unnecessary expenses uncovered. Members may also explore personalized credit card offers from third-party lenders available through Experian Marketplace within a seamless, guided experience.

By translating complex financial data into clear, practical next steps, EVA serves as an intelligent financial copilot, helping consumers move from insight to action with confidence.

For example, instead of only displaying a FICO® Score[i], EVA can analyze a member’s connected accounts and highlight recent spending patterns, such as increased dining or subscription costs compared to prior months. The assistant can identify top spending categories, flag larger transactions, and help members manage upcoming bills and subscriptions by surfacing expected due dates, predicted amounts, and total monthly recurring spending.

In simple terms, EVA helps members clearly see where their money is going in near real time and understand how everyday spending fits into their overall financial picture — all within a seamless, conversational experience.

Intelligent, Adaptive and Built on Trusted Data

Interactions with EVA evolve in real time based on how each member engages. The assistant tailors explanations, surfaces relevant insights, and prioritizes recommendations aligned with an individual’s credit and financial goals. Experian designs and monitors its AI systems using established governance, testing, and oversight frameworks to promote fairness, transparency, and consumer protection.

Grounded in Experian’s credit expertise, data, and consumer permissioned financial information, EVA delivers personalized guidance designed with privacy and security as core principles. The experience supports consumers as they navigate important financial decisions with greater clarity and confidence.

Whether someone is new to credit, managing monthly expenses, or exploring new financial opportunities, EVA translates complexity into clarity and action.

“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.

Consumer First AI in Action

This milestone builds on Experian’s broader strategy to embed intelligent, trusted AI across the consumer ecosystem. Through advancements in EVA’s adaptive financial guidance and the launch of Experian Insurance Marketplace app integrated with the ChatGPT platform, Experian continues meeting consumers wherever they are with personalized insights and relevant financial opportunities delivered through conversational experiences.

Collectively, these innovations reflect Experian’s long-term vision to combine proprietary data, advanced AI, and the trust of a Big Financial Friend (BFF) to enable more intuitive financial decision-making in the moments that matter most to consumers.

EVA is available to Experian members through the Experian mobile app and website.