Vietnam Vietnam
Consumers encountered most fraud incidents in retail and telco during the past 12 months
  • 55%
  • 54.5%
  • 32.8%
  • 35.2%
  • 55% and 54.5% have experienced fraud at least once in retail and telco, respectively, compared to 32.8% and 35.2% on average
  • Impact: Overall anti-fraud capabilities need improvement
Thailand Thailand
Most Thai consumers believe speed and resolution are severely lacking (response/ detection speed toward fraud incidents)
AP Average
  • 60.5% think it is most important, compared to 47.7% on average
  • Impact: Response time as one of key factors to fraud management to retain customers and gain their trust
India India as standalone
Consumers have the largest number of shopping app accounts in the region
  • Average of three accounts per person
  • Impact: Highest exposure to online fraud
China China
Consumers are the most tolerant toward submitting and sharing of personal data
AP Average
  • 46.6% compared to the AP average of 27.5% are accepting of sharing personal data of existing accounts with other business entities
  • Impact: higher exposure of data privacy and risk of fraud
New Zealand
New Zealand New Zealand
Consumers make most of their payments by internet banking
  • 74%
  • 70.5%
  • 54.5%
  • 46.5%
  • 39.6%
  • 40.7%
  • A higher percentage make payments via internet banking to banks and insurance companies, telcos, and retailers, respectively, compared to the regional average
  • Impact: Anti-fraud capabilities critical to the increased digital transaction frequency and customers’ trust in banks
Australia Australia
Consumers are most satisfied with the post-fraud service of banks and insurances companies
  • More than 70% satisfaction rate compared to 59.7% on average
  • Impact: Increased trust in BFSIs
Indonesia Indonesia
Consumers that encountered most fraud incidents in the past 12 months

AP Average

  • 49.8% have experienced fraud at least once compared to 34.7% on average
  • Impact: Overall anti-fraud capabilities need improvement
Singapore Singapore
Consumers have the highest trust towards government
AP Average
  • 75.5% choose government agencies, compared with 51.7% on average
  • Impact: Trust of personal data protection is centered around government agencies
Hong Kong
Hong Kong Hong Kong
The least percentage of consumers with high satisfaction level toward banks and insurance companies’ fraud management
AP Average
  • Only 9.7% are most satisfied compared to 21.1% on average
  • Impact: effective response towards fraud incidents to be improved
Japan Japan as standalone
Consumers most cautious on digital accounts and transactions
50.7% Actively maintain digital accounts’ validity
27% AP Average
45.5% Do not do online bank transfers
13.5% AP Average
  • More than 70% did not encounter fraud incidents in past 12 months, compared to 50% on average
  • Impact: Relatively low risk of fraud

Experian full-year results FY22

Experian full-year results FY22

Strong performance in our mission to deliver financial power to all


7am, 18 May 2022 ─ Experian plc, the global information services company, today issues its financial report for the year ended 31 March 2022.


Brian Cassin, Chief Executive Officer, commented:


“We had a very good year with total revenue growth of 17% at both actual and constant exchange rates, and organic revenue growth of 12%. Benchmark earnings per share also progressed strongly, up 21%. Cash performance was very strong, with Benchmark EBIT to operating cash flow conversion of 109%, and actual exchange rates growth of 22%. We have made major steps forward in Consumer Services, which is transforming the shape of our business, and we also progressed materially a series of strategic initiatives in Business-to-Business.


“Experian’s mission to help people improve their financial health is more important now than ever, with many households facing the challenge of rising inflation. We take great pride in our ability to make a positive difference to people’s lives by making it easier, cheaper and faster for people and organisations to access financial services, and I would like to thank my Experian colleagues for their hard work and dedication in delivering on this mission.


“For the year ahead, we expect organic revenue growth in the range of 7-9%, with modest margin improvement at constant exchange rates, supported by continuing investment behind the execution of our strategy. While we are closely monitoring the global macroeconomic trends, we are confident in our strong track record of robust and resilient performance.”



  1. See Appendix 1 (page 13) and note 4 to the interim financial statements (pages 23-25) for definitions of non-GAAP measures.
  2. Organic revenue growth is at constant currency.
  3. Revenue and Benchmark EBIT for the year ended 31 March 2021 have been re-presented for the reclassification to exited business activities of certain Business-to-Business (B2B) businesses.
  4. See page 14 for reconciliation of Benchmark EBIT from ongoing activities to Profit before tax.


  • Considerable strategic progress and strong financial performance. Q4 organic revenue growth was 9%, to give 12% for the year, with selective acquisition in-fills taking total revenue growth to 17%.
  • Stepping up the pace in Consumer Services with broader and more comprehensive propositions, serving 134 million free members, up 24 million over the past twelve months. Organic revenue +22%.
  • B2B organic revenue growth of 9% supported by data investments, adoption of our innovation platforms, focused expansion in health and addressing new client segments.
  • Very strong organic revenue progress across North America, Latin America, and UK and Ireland, with selective acquisitions to broaden our opportunity.
  • Much improved margin trajectory in UK and Ireland, and EMEA/Asia Pacific. Now taking the next step in our plan to reposition EMEA/Asia Pacific for more sustainable long term operating performance.
  • Benchmark EBIT +19%. EBIT margin +60 basis points at constant exchange rates.
  • Benchmark EPS +21%, at actual exchange rates.
  • Very strong cash performance; with cash conversion of 109% and Benchmark operating cash flow actual rate growth of 22%.
  • Second interim dividend up 10% to 35.75 US cents per ordinary share.

View the full year press release in PDF format



Nadia Ridout-Jamieson Investor queries +44 (0)20 3042 4278

Gerry Tschopp Media queries



Graeme Wilson, Louise Male and Guy Bates +44 (0)20 7353 4200


There will be a presentation today at 9.30am (UK time) to analysts and investors via conference call. To view the slides and listen in online please go to for the link.


Experian will update on first quarter trading for FY23 on 14 July 2022.



Certain financial data has been rounded within this announcement. As a result of this rounding, the totals of data presented may vary slightly from the actual arithmetic totals of such data.


Forward looking statements

Certain statements made in this announcement are forward looking statements. Such statements are based on current expectations and are subject to a number of risks and uncertainties that could cause actual events or results to differ materially from any expected future events or results referred to in these forward-looking statements. See note 29 for further information on risks and uncertainties facing Experian.


Company website

Neither the content of the Company’s website, nor the content of any website accessible from hyperlinks on the Company’s website (or any other website), is incorporated into, or forms part of, this announcement.


About Experian

Experian is the world’s leading global information services company. During life’s big moments – from buying a home or a car, to sending a child to college, to growing a business by connecting with new customers – we empower consumers and our clients to manage their data with confidence. We help individuals to take financial control and access financial services, businesses to make smarter decisions and thrive, lenders to lend more responsibly, and organisations to prevent identity fraud and crime.


We have 20,600 people operating across 43 countries and every day we’re investing in new technologies, talented people, and innovation to help all our clients maximise every opportunity. We are listed on the London Stock Exchange (EXPN) and are a constituent of the FTSE 100 Index.


Learn more at or visit our global content hub at our global news blog for the latest news and insights from the Group.



Read full article


By Experian 05/18/2022

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