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 technology
• The importance of data quality, governance and AI readiness
• Why AI adoption often fails when employees are left behind
• Lessons from real-world AI failures and model drift
• How organisations can build trust through transparency
• The role of AI standards and responsible innovation
• Why AI agents represent both opportunity and risk
• How AI is changing filmmaking, music and creative production
• Whether AI can ever replicate human creativity
• What business leaders should focus on before implementing AI

Memorable takeaway

As 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 guest

Matthew 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 podcast

Connected 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 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 partner
Why trusted data matters more in the age of AI
How agentic AI can support lending, fraud and decisioning
The balance between automation, regulation and human oversight
Why fragmented systems hold businesses back
How AI agents can help fraud teams work faster and more effectively
What an agentic operating system means in practice
Why the future of lending will be more personalised and connected

Memorable takeaway
As 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 guest
Keith 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 podcast
Connected 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.

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 decisioning
• Why data quality matters more than data volume
• The three key lending decisions: credit, affordability and fraud
• How customer outcomes should shape AI use cases
• The role of governance, fairness and human oversight
• Why legacy organisations can still catch up
• How AI could help create a more frictionless car-buying experience

Memorable takeaway

As 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 guest

Dan 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 podcast

Connected 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.