Proprietary Data and EFX.AI: Powering the Future of Equifax
While many companies are expected to be disrupted or disintermediated by Al, Equifax is leveraging it to disrupt the industry with higher-performing, AI-driven solutions fueled by its Cloud-native technology and proprietary data. With its $3 billion global security and technology transformation and the Equifax Cloud™ now principally complete, Equifax is well positioned to continue harnessing the power of AI to accelerate innovation, including using its scale and proprietary data assets for AI and delivery to its customers.
Proprietary data - unique data that is only available to Equifax customers - is the foundation of the Equifax Al Data Moat. The moat around the data - the protection provided to ensure that the data can only be used by Equifax customers on a permissioned or aggregated basis and not blended with public, untrusted sources - is critical. Only Equifax can use this data along with its patented EFX.AI technology to develop new customer solutions and products.
How the Equifax Cloud and EFX.AI are Fueling Innovation
The Equifax Cloud and custom data fabric were purpose-built to maintain and manage the large volume of diverse, proprietary datasets needed to maximize Al performance. If data is the "new oil," then the Equifax single data fabric is both the refinery and the pipeline that allows the company to turn OnlyEquifax data into high-quality fuel for its customers. That fuel is amplified by EFX.Al across its proprietary data.
“The Equifax Cloud is delivering scale, speed and stability,” said Jamil Farshchi, Equifax CTO. “Our advanced cloud-native platform and AI capabilities have enabled us to build an engine for hyper-growth. It equips us with the ability to increase our speed in a variety of ways, including processing data, onboarding customers, creating new products, detecting threats and a multitude of other benefits that would not be possible to execute without it.”
In 2025, approximately 90% of the organization’s record $6.075 billion revenue was generated through the direct sale of, or through products generated from, proprietary data unique to Equifax. And the powerful combination of proprietary data and patented EFX.AI technology drove a record more than 180 New Product Innovations (NPIs) and 2025 Vitality Index (defined as percentage of revenue from new products introduced in the last three years) of 15%, which was 50% above the organization’s long-term goal of 10%.
Powering the Future
The Equifax Cloud and EFX.AI capabilities have enabled the acceleration of innovation over the past five years. Last year, over 90% of Equifax products were built on its new global cloud-based platforms. With more efficient Cloud-native technology leveraging global platforms in EFX.AI, Equifax has quadrupled the number of products in its innovation funnel and reduced product development life cycles by half, resulting in a record level of new products launched in 2025, which was up two times over historic levels.
Equifax believes the next chapter will be the most exciting in its over 125-year history. The organization will continue leveraging the power of its proprietary data, its Cloud-based technology, and EFX.AI to deliver higher-performing products, models, and scores to help its customers grow while delivering returns for its shareholders.