Artificial Intelligence and Machine Learning

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Building on a Legacy of Success

TransUnion has over 20 years of experience successfully applying artificial intelligence (AI) to generate integrated, data-driven insights for our customers.

Leveraging machine learning (ML), our AI usage spans many areas of our business, including fraud prevention, credit scoring and risk assessment, custom marketing insights and segmentation, and predictive analytics.

Our ongoing technology modernization, centered around the OneTru™ solution enablement platform, supports these AI efforts by streamlining data access and enhancing the speed and quality of analytics and decision-making.

TransUnion's unique strengths in AI include:

Proprietary Data Assets: Ability-to-pay, demographics, and digital device data.
Powerful Identity Foundation: Connecting these assets to deliver a robust and persistent picture of consumers.

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AI Analytics Orchestrator Agent: TransUnion Advances AI-Driven Credit Intelligence with Google Cloud

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Responsible, Security-First AI Usage

TransUnion is committed to innovating and staying at the forefront of new technology advancements, while taking a security-first approach to protect the data we steward.

Our Data Risk Committee (DRC) oversees risks associated with data analytics, governance, and emerging technologies, including AI. The DRC has developed a robust AI risk assessment framework and continuously monitors global AI regulations.

Technology Roundtable: Reimagining Your Data and AI Strategy

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Our Five AI Principles

Our intentional approach to new technology selection and adoption, including AI, is rooted in our AI principles. These principles align with our mission, values and beliefs as well as leading federal and international standards.

Fairness and ethics

AI applications should be designed to be fair and protect against bias and discrimination.

Data protection

AI applications should be designed to protect the privacy and security of data managed by TransUnion.

Safety and effectiveness

AI applications should be designed to be safe, sufficiently accurate, suitable for their purpose and function effectively.

Transparency

Maintain and appropriately make available information about AI applications, including how they work and their capabilities and limitations.

Accountability

AI applications should have clearly defined owners responsible for designing them to function in accordance with our AI principles and applicable laws.

AI Innovation Opportunities

We are pursuing AI innovation opportunities across three key domains.

OneTru platform

By leveraging AI, OneTru enhances decision-making with precise identity resolution and efficient data analysis.

Solution-specific AI

Our solution-specific AI efforts focus on predictive modeling, reinforcement learning and generative AI to power new and existing offerings.

Operational efficiency & effectiveness

AI tools enhance productivity and quality for TransUnion associates across business functions, including software development, customer service and legal processes.