Experian and Vanquis have signed a multi-year strategic partnership, as announced by Experian, under which Vanquis will use Experian’s data, eligibility, analytics and fraud prevention services across its lending portfolio, including credit cards and vehicle finance. The deal is designed to give the Bradford-based specialist bank richer insight at key stages of the customer journey, improving eligibility assessment and the customer experience.

The partnership builds on a long-standing relationship and brings previously separate data, eligibility, analytics and fraud services into a single operating model. It will also help Vanquis make the most of its modernised lending platform, bringing decisioning, data and customer journeys together.

The structural driver is protecting customers from fraud while widening access to appropriate credit. Vanquis will expand its use of Experian’s Hunter and CrossCore technology to screen credit card applications in real time against its own records and shared UK fraud intelligence, while Experian supports identity and bank-account verification in vehicle finance.

“Together, we are building a more responsive model for lending,” said Malin Holmberg, CEO of Experian UK&I. “One that can evolve with customers, support confident decisions, and open the door to better financial futures.”

Vanquis will also use Experian’s automotive data and analytics for vehicle finance, and the companies will establish a shared innovation roadmap focused on responsible growth and improved customer experiences.

“By combining richer data, advanced analytics and fraud prevention capabilities, we can deliver a better customer experience while maintaining the disciplined lending approach that sits at the heart of Vanquis,” said John Natalizia, Deputy CEO at Vanquis.

Experian is a FTSE 100 company listed on the London Stock Exchange under the ticker EXPN, with 25,200 people across 33 countries. It reported revenue from ongoing activities of US8.43billion(approximately€7.08billion)andBenchmarkEBITofUS2.41 billion (approximately €2.02 billion) for the year to 31 March 2026, according to its FY26 results.

Vanquis is a specialist UK bank headquartered in Bradford and listed on the London Stock Exchange, serving 1.77 million customers through credit cards, vehicle finance, savings and money management services. It reported total income of £237.5 million and statutory profit before tax of £8.9 million for the first half of 2026, as reported by The Business Desk.

For the sector, the partnership reflects UK lenders consolidating data, eligibility and fraud tools into one operating model to assess customers more accurately and protect them earlier in the journey.