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 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.