Connected with Experian · 5 Episodes View on YouTube
29:22Connected with Experian Ep05: Why AI Needs Brakes, Not Just an Engine with Matthew Higham
In this episode of Connected with Experian, Waseem Merza speaks to Matthew Higham, Chief Digital and Technology Officer for UK and Ireland at ServiceNow, about what it takes to move AI from promising pilots to secure, scalable business transformation.From agentic AI and data foundations to governance, accountability and workforce change, the conversation explores how organisations can build AI into the heart of their workflows without sacrificing trust, transparency or human oversight. Matthew explains why pilots often fail to scale, why organisations should focus on complex but low-risk processes, and how connected, well-governed data can help AI agents make better decisions.The discussion also looks at the risks of increasingly autonomous systems, including how organisations can set guardrails around agents, policies and data access. Matthew shares why AI should not be treated simply as a cost-cutting tool, and why its greatest potential lies in creating better services, new opportunities and more human-centred outcomes.In this episode: - How organisations can move from AI pilots to scaled transformation - Why many AI pilots fail when introduced into complex, siloed businesses - The difference between generative AI and agentic AI[Text Wrapping Break] Why AI agents need connected, contextual and well-governed data - How knowledge graphs and virtual data products can support agentic AI - Why governance is essential for innovation to move faster - How guardrails can manage agent permissions, tools, policies and data access - The importance of transparency and accountability in automated decision-making - Why organisations need visibility into how AI systems reason - How platforms can orchestrate agents across complex workflows - Why businesses should look beyond AI-led cost reduction - How investment in people, skills and trust can support long-term AI growth - Why human-centred design should remain the measure of AI success - Practical first steps for becoming an agent-ready organisationMemorable takeaway: As Matthew puts it, innovation can only move quickly when there is governance in place. Like a Formula One car, AI needs strong brakes as well as a powerful engine: the guardrails, data foundations and accountability that allow organisations to unlock value safely.About the guest: Matthew Higham is the Chief Digital and Technology Officer for UK and Ireland at ServiceNow. He works with organisations across sectors to help them modernise operations, connect data and systems, and adopt emerging technology responsibly.With a background that began in healthcare, including work as a nurse, Matthew brings a human-centred perspective to technology transformation. His work focuses on helping organisations use AI, automation and digital platforms to improve services, create growth and build trust at scale.About the podcast: Connected with Experian explores how data, technology and intelligent decisioning are reshaping modern business. Through conversations with leaders across financial services, healthcare and beyond, the series looks at how organisations are building trust, improving outcomes and using innovation responsibly.
42:05Connected with Experian Ep04: Will AI ever replace the human doctor? with Sina Kahen
In this episode of Connected with Experian, Waseem Mirza speaks to Sina Kahen, healthcare technology leader, author and specialist in surgical innovation, about what responsible AI looks like when the stakes are genuinely high.From robotic surgery and physical AI in the operating theatre to preventative care, medical imaging and data quality, this conversation explores how healthcare organisations can adopt new technology without losing sight of patient safety, trust and human judgement. Sina explains how implant-agnostic robotics can give surgeons more flexibility, why accurate and representative training data is essential, and how AI could help healthcare move from reactive treatment towards more personalised and preventative care.The discussion also looks at the ethical questions behind healthcare AI: who owns medical data, how different systems should communicate, why poor-quality data can be dangerous, and whether AI will ever be able to replace the human connection patients rely on at their most vulnerable. In this episode: - How physical AI and robotics are changing surgery - Why human-guided robotic systems can improve consistency - The importance of implant-agnostic technology in healthcare - Where medical robotics could move beyond the operating theatre - How AI could support more preventative and personalised care - Why connected healthcare data matters - The risks of biased and unrepresentative training data - Why poor data quality can produce dangerous outcomes - The importance of transparency, trust and data governance - Why human oversight will remain essential in healthcare - How organisations can approach transformation by identifying real pain points - The three pillars of future healthcare: personalised, preventative and integrated careMemorable takeaway: As Sina puts it, healthcare AI is not only about developing better tools. Its success depends on whether the data is accurate, representative and connected, and whether human judgement remains at the centre of patient care.About the guest: Sina Kahen is a healthcare technology leader, author and specialist in surgical innovation. He has spent more than 15 years working to bring new medical technologies into clinical practice and has been closely involved in the development of Britain’s first implant-agnostic orthopaedic robotic system for shoulder surgery.His work also explores the intersection of AI, healthcare, philosophy and human wellbeing, with a particular focus on how technology can support better patient outcomes without diminishing the importance of human connection.
40:12Connected with Experian Ep03: Is AI democratising creativity? with Matthew Blakemore - AI Caramba!
In this episode of Connected with Experian, Waseem Mirza speaks to Matthew Blakemore, CEO of AI Caramba, AI strategist, standards contributor and award-winning creator working at the intersection of technology, business transformation and the creative industries.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 AIMemorable 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/YouTube Chapters00:00 Introduction 01:32 What successful transformation actually looks like 05:27 Why data foundations matter 13:23 Building global AI standards 20:26 The role of data in scalable AI 21:25 The $500 million AI governance failure 24:44 The biggest AI adoption mistakes companies make 26:30 Where the biggest AI opportunities lie 30:44 AI, creativity and filmmaking 31:54 Has AI been part of music for decades? 36:05 The Coca-Cola AI advert backlash 37:27 Matthew’s advice for business leaders 39:18 Quick fire round
30:37Connected with Experian Ep02: The Agentic AI Age with Keith Little - Experian
AI is moving from supporting decisions to helping organisations take action faster, smarter and more safely.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 connectedMemorable 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.YouTube Chapters: 00:00 Introduction 01:15 What Experian Software Solutions does 03:42 How AI is changing financial services 06:02 Why trusted data will become scarce in the age of AI 08:48 Building trust and control into AI systems 11:23 Fighting fraud without frustrating good customers 15:31 Fraudsters are already using AI 17:35 Why legacy fraud systems cannot keep up 18:40 How AI could transform the future of lending 23:06 Why agentic AI needs an operating system 25:09 Balancing AI, fairness and human oversight 28:00 The future of AI in financial services
26:26Connected with Experian Ep01: How AI is reshaping lending with Dan Kellett – Carmoola
AI is changing lending far beyond the buzzwords.In this first episode of Connected with Experian, Waseem Mirza speaks to Dan Kellett, Director of Lending and Data Analytics at Carmoola, about what that shift looks like in practice.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 experienceMemorable 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/YouTube Chapters: 00:00 Introduction 01:10 Meet Dan Kellett and Carmoola 03:20 How AI is changing lending and decision-making 05:25 What used to take months can now happen in days 08:02 The best AI use cases start with the customer outcome 11:06 A real-world example of lending making a difference 13:40 Building trust in AI-driven decisions 16:04 Why the winners in AI will be focused and able to pivot 16:37 More data is not always better 19:15 The importance of data quality in AI 22:00 The opportunities and risks of AI in financial services 25:09 Why fairness needs data and human oversight 28:00 What’s next for AI and lending?
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.
Episode 05: Why AI Needs Brakes, Not Just an Engine
Like a Formula One car, AI needs strong brakes as well as a powerful engine.
In this episode of Connected with Experian, Waseem Merza speaks to Matthew Higham, Chief Digital and Technology Officer for UK and Ireland at ServiceNow, about what it takes to move AI from promising pilots to secure, scalable business transformation.
From agentic AI and data foundations to governance, accountability and workforce change, the conversation explores how organisations can build AI into the heart of their workflows without sacrificing trust, transparency or human oversight. Matthew explains why pilots often fail to scale, why organisations should focus on complex but low-risk processes, and how connected, well-governed data can help AI agents make better decisions.
The discussion also looks at the risks of increasingly autonomous systems, including how organisations can set guardrails around agents, policies and data access. Matthew shares why AI should not be treated simply as a cost-cutting tool, and why its greatest potential lies in creating better services, new opportunities and more human-centred outcomes.
About the guest
Matthew Higham is the Chief Digital and Technology Officer for UK and Ireland at ServiceNow. He works with organisations across sectors to help them modernise operations, connect data and systems, and adopt emerging technology responsibly.
Episode 04: Will AI ever replace the human doctor?
AI is transforming healthcare, but some decisions still need a human touch.
In this episode of Connected with Experian, Waseem Mirza speaks to Sina Kahen, healthcare technology leader, author and specialist in surgical innovation, about what responsible AI looks like when the stakes are genuinely high.
From robotic surgery and physical AI in the operating theatre to preventative care and medical imaging, the conversation explores how healthcare organisations can embrace new technology while maintaining patient safety, trust and human judgement.
The discussion also examines the importance of accurate and representative data, the ethical questions around medical data and whether AI could ever replace the human connection patients rely on at their most vulnerable.
About the guest
Sina Kahen is a healthcare technology leader, author and specialist in surgical innovation, with over 15 years’ experience bringing new medical technologies into clinical practice. His work explores the intersection of AI, healthcare and human wellbeing, with a focus on using technology to improve patient outcomes while preserving human connection.
Episode 03: Is AI democratising creativity?
As organisations race to adopt AI, many are focused on the latest tools and technologies.
In this episode of Connected with Experian, Matthew Blakemore, CEO of AI Caramba, 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.
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
Episode 02: The agentic AI age
AI is moving from supporting decisions to helping organisations take action faster, smarter and more safely.
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.
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.
Episode 01: How AI is reshaping lending
AI is changing lending far beyond the buzzwords.
In this first episode of Connected with Experian, Waseem Mirza speaks to Dan Kellett, Director of Lending and Data Analytics at Carmoola, about what that shift looks like in practice.
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.
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