Connected with Experian

In this episode of Connected with Experian, Waseem Mirza speaks to Matthew Blakemore, CEO of AI Caramba, AI strategist, standards contributor and award-winning creator working at the intersection of technology, business transformation and the creative industries.As organisations race to adopt AI, many are focused on the latest tools and technologies. Matthew argues that the real challenge lies elsewhere: in data foundations, governance, culture and leadership. From large language models and AI agents to enterprise transformation and AI regulation, this conversation explores what businesses need to get right if they want to move beyond experimentation and create lasting value.The discussion also examines the human side of AI adoption, including trust, transparency and the impact AI is having on creative industries such as film and music. Matthew shares why many organisations underestimate the importance of change management, what happens when AI governance fails, and why he believes AI can become a powerful force for creativity and opportunity when used responsibly.In this episode:Why successful transformation starts with foundations, not technologyThe importance of data quality, governance and AI readinessWhy AI adoption often fails when employees are left behindLessons from real-world AI failures and model driftHow organisations can build trust through transparencyThe role of AI standards and responsible innovationWhy AI agents represent both opportunity and riskHow AI is changing filmmaking, music and creative productionWhether AI can ever replicate human creativityWhat business leaders should focus on before implementing AIMemorable takeawayAs Matthew puts it, organisations that focus on strong data foundations, governance and people will be far better positioned to benefit from AI than those chasing the latest technology without doing the groundwork first.About the guestMatthew Blakemore is CEO of AI Caramba, an award-winning AI strategist, standards contributor and creative technologist. He helped develop the international AI Data Lifecycle Standard and advises organisations on AI adoption, governance and transformation. Alongside his work in enterprise AI, he is also an award-winning creator whose AI-generated films have been nominated at international film festivals.Find out more at: https://aicaramba.ai/About the podcastConnected 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.

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 partnerWhy trusted data matters more in the age of AIHow agentic AI can support lending, fraud and decisioningThe balance between automation, regulation and human oversightWhy fragmented systems hold businesses backHow AI agents can help fraud teams work faster and more effectivelyWhat an agentic operating system means in practiceWhy the future of lending will be more personalised and connectedMemorable takeawayAs 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 guestKeith 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 podcastConnected 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 decisioningWhy data quality matters more than data volumeThe three key lending decisions: credit, affordability and fraudHow customer outcomes should shape AI use casesThe role of governance, fairness and human oversightWhy legacy organisations can still catch upHow AI could help create a more frictionless car-buying experienceMemorable takeawayAs 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 guestDan 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 podcastConnected 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.