Experian unveiled the next evolution of the Experian Virtual Assistant, EVA, a significant advancement in its Consumer First AI strategy that expands personalised, 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, personalisation, 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.

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 personalised 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.