Experian unveiled the next evolution of the Experian Virtual Assistant, EVA™, as part of its Consumer First Artificial Intelligence strategy. The updated assistant is designed to expand personalized, conversational financial guidance to millions of consumers by combining conversational capabilities, personalization, and Experian’s data foundation. The company positioned the launch as a broader step toward embedding adaptive technology across the consumer journey and changing how people interact with their financial information.
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. Members can track spending trends over time, identify top categories and largest transactions, uncover opportunities to reduce unnecessary expenses, and explore personalized credit card offers from third-party lenders through Experian Marketplace.
EVA is positioned as a financial copilot for everyday decisions. The assistant can analyze connected accounts and highlight recent spending patterns, such as higher dining or subscription costs compared to prior months. It 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. The goal is to translate complex financial data into clear, practical next steps within a conversational experience that helps users move from insight to action with more confidence.
Experian said EVA adapts in real time based on how each member engages, tailoring explanations, surfacing relevant insights, and prioritizing recommendations aligned with individual credit and financial goals. The company said it designs and monitors its Artificial Intelligence systems using governance, testing, and oversight frameworks intended to promote fairness, transparency, and consumer protection. Grounded in Experian’s credit expertise, data, and consumer permissioned financial information, the assistant is designed with privacy and security as core principles.
The launch also fits into a wider push to deploy trusted, conversational financial experiences across Experian’s consumer ecosystem. Experian linked EVA’s advancement with the launch of the Experian Insurance Marketplace app integrated with the ChatGPT platform, describing both as part of a long-term plan to combine proprietary data, advanced Artificial Intelligence, and personalized support. EVA is available to Experian members through the Experian mobile app and website.
