How Experian strengthens global fraud prevention with Incode
Experian, a global data and technology company, embeds Incode in its CrossCore Document Verification suite, delivered to clients through the Ascend Platform. Incode's biometric identity verification and real-time metadata analysis help the platform's 1.8K+ global clients screen for deepfakes, synthetic identities, and application fraud in real time. Verification scales across industries and regions without adding friction to customer journeys.
global clients on Experian's Ascend Platform
IDs supported across 190+ countries and territories
iBeta certified passive liveness detection (Levels 1–3)
uptime SLA behind the integration
One of the world's leading data and technology companies
Experian is a FTSE 100 company with 25K employees in 32 countries, delivering data and analytics that power decision-making.
Its solutions serve financial services, healthcare, automotive, agrifinance, insurance, and more, helping organizations detect fraud, accelerate lending, improve healthcare outcomes, and enable secure digital marketing. The company also empowers millions of individuals to meet their financial goals through credit insights and identity protection tools.
Helping organizations detect fraud is central to the data and analytics Experian delivers. Embedding identity verification in the Ascend Platform extends that protection, so clients can make identity decisions in real time.
Fraud at the speed of AI
Experian set out to strengthen the fraud prevention capabilities of its Ascend Platform for its global client base.
Three pressures shaped the search:
-
01
Fraud vectors evolving at unprecedented speed
Deepfakes, AI-driven fraud, and agentic AI are evolving faster than ever, making improved protections critical.
-
02
Synthetic identities and application fraud
Clients needed stronger protection against synthetic identity fraud, impersonation, and application fraud, with faster decisions rather than slower ones.
-
03
Scale without friction
Verification had to scale across industries and regions without introducing friction to customer journeys or operational complexity.
Experian selected Incode for proven performance, secure architecture, and identity accuracy, built on a shared commitment to innovation and customer-centricity.
Identity intelligence, inside the Ascend Platform
Incode's verification is integrated directly into the CrossCore Document Verification suite, combining Experian's data intelligence with Incode's AI-native identity technology.
Instant identity validation
Identity Verification
Incode verifies and links government-issued IDs, facial biometrics, passive liveness detection, and device metadata with risk scoring, so Experian's clients make faster, smarter identity decisions in real time.
Deepfake defense, multi-signal
Deepsight
Deepsight's deepfake detection combines liveness, behavioral, and device risk data, protecting clients against deepfakes and AI-driven impersonation.
Real-time performance at global scale
Incode's modular, cloud-native architecture extends secure, real-time identity validation across Experian's enterprise client base without disrupting existing workflows.
Compliant, turnkey deployment
Turnkey API integration and prebuilt modules plug into Experian's platform infrastructure, speeding up time-to-value while maintaining strict compliance and encryption protocols.
Both companies are driven by a mission to create a more secure digital world, where identity is the key to frictionless, secure digital experiences at scale.
How it works
Built to fight fraud at scale
Benchmarked accuracy
Incode's face recognition accuracy is evaluated in the NIST FRTE 1:N benchmark.
From North America to the world
The integration is available first in North America, with plans to expand globally.
Co-innovation ahead
As global deployment progresses, Experian and Incode continue to co-innovate on identity intelligence, fraud prevention, and customer experience.
Privacy is the architecture
Incode made privacy a founding conviction long before regulation or the market asked for it. Its AI-first identity verification reduces fraud while remaining private and compliant.
Testimonials
“Deepfakes are rewriting the rules of fraud. Our work with Incode brings their Deepsight deepfake detection directly into Experian's identity and fraud solutions, giving our clients market-leading protection and keeping them one step ahead of AI-powered attacks.”
Keir Breitenfeld · Senior Vice President, Fraud and Identity, Experian
“By integrating Incode's cutting-edge identity verification technology into the Ascend Platform, we're empowering organizations to tailor their fraud and risk strategies with unprecedented agility and precision.”Marika Vilen · SVP of Global Partnerships and Commercialization, Experian
Frequently asked questions
Questions specific to the Experian story
Still have questions? Talk to an expertWhat does Incode provide inside Experian's CrossCore Document Verification suite?
The suite embeds Incode's biometric identity checks and real-time analysis of device metadata, pairing Experian's data intelligence with identity technology built AI-native. Clients receive it through the Ascend Platform, which serves 1.8K+ organizations worldwide, with support for 4.9K+ IDs across 190+ countries and territories.
Why did Experian select Incode?
Experian wanted performance it could prove, an architecture designed for security, and accuracy in identifying people. A shared commitment to innovation and customer-centricity shaped the choice as well.
How does the integration defend against deepfakes and AI-driven fraud?
Deepsight weighs liveness, behavioral, and device risk signals together to screen for deepfakes and AI-driven impersonation, so automated checks can hold up as fraud vectors evolve at speed.
How does the integration address synthetic identity and application fraud?
Incode connects government-issued IDs, facial biometrics, passive liveness detection, and device metadata, then applies risk scoring. That gives clients stronger protection against synthetic identities, impersonation, and application fraud without slowing their decisions.
How accurate is the verification behind the integration?
Passive liveness detection is iBeta certified at Levels 1 through 3 and runs in under 40ms, NIST evaluates Incode's face recognition in the FRTE 1:N benchmark, and the integration is backed by a 99.9% uptime SLA.
Where is the integration available today?
It is available first in North America, with a global expansion planned. As deployment progresses, the two companies keep co-innovating across identity intelligence, fraud prevention, and customer experience.
Does adding identity verification disrupt existing client workflows?
No. Incode's modular, cloud-native architecture brings real-time validation to Experian's enterprise client base while existing workflows stay intact, and turnkey APIs with prebuilt modules shorten time-to-value while compliance and encryption protocols stay strict.
What's next
See how Incode powers fraud prevention at global scale
Embed real-time identity validation into the platforms your clients already rely on.