TransUnion Collaborates with Credit Sesame to Launch New Freemium Direct-to-Consumer Credit Education and Monitoring Offering
TransUnion (NYSE:TRU) has announced a strategic collaboration with Credit Sesame to launch a new direct-to-consumer credit education and monitoring service in the U.S. The new freemium offering will provide consumers with free daily access to their TransUnion credit score and report, along with optional premium credit monitoring services.
The platform will integrate a network of third-party financial offers customized to individual consumer goals and credit profiles. The service will be available through TransUnion's website and app, with a phased launch throughout the first half of 2025.
In this collaboration, Credit Sesame will develop and manage the product platform, mobile app, and integrated network of financial offers using TransUnion data, while TransUnion will handle consumer acquisition, servicing, and operational controls. The company plans to migrate its existing U.S. consumer base to the new platform.
TransUnion (NYSE:TRU) ha annunciato una collaborazione strategica con Credit Sesame per lanciare un nuovo servizio di educazione e monitoraggio del credito diretto ai consumatori negli Stati Uniti. La nuova offerta freemium fornirà ai consumatori accesso gratuito quotidiano al loro punteggio e rapporto di credito TransUnion, insieme a servizi di monitoraggio del credito premium opzionali.
La piattaforma integrerà una rete di offerte finanziarie di terze parti personalizzate in base agli obiettivi individuali dei consumatori e ai profili di credito. Il servizio sarà disponibile tramite il sito web e l'app di TransUnion, con un lancio graduale durante la prima metà del 2025.
In questa collaborazione, Credit Sesame svilupperà e gestirà la piattaforma del prodotto, l'app mobile e la rete integrata di offerte finanziarie utilizzando i dati di TransUnion, mentre TransUnion si occuperà dell'acquisizione dei consumatori, del servizio e dei controlli operativi. L'azienda prevede di migrare la sua attuale base di consumatori statunitensi alla nuova piattaforma.
TransUnion (NYSE:TRU) ha anunciado una colaboración estratégica con Credit Sesame para lanzar un nuevo servicio de educación y monitoreo de crédito directo al consumidor en los EE. UU. La nueva oferta freemium proporcionará a los consumidores acceso diario gratuito a su puntaje y reporte de crédito TransUnion, junto con servicios de monitoreo de crédito premium opcionales.
La plataforma integrará una red de ofertas financieras de terceros personalizadas según los objetivos individuales del consumidor y los perfiles de crédito. El servicio estará disponible a través del sitio web y la aplicación de TransUnion, con un lanzamiento por fases durante la primera mitad de 2025.
En esta colaboración, Credit Sesame desarrollará y gestionará la plataforma del producto, la aplicación móvil y la red integrada de ofertas financieras utilizando datos de TransUnion, mientras que TransUnion se encargará de la adquisición de consumidores, el servicio y los controles operativos. La empresa planea migrar su base de consumidores existente en EE. UU. a la nueva plataforma.
TransUnion (NYSE:TRU)은 Credit Sesame와 전략적 협력을 발표하여 미국에서 소비자 직접 대상의 신용 교육 및 모니터링 서비스를 출시합니다. 새로운 프리미엄 서비스는 소비자에게 TransUnion 신용 점수 및 보고서에 대한 무료 일일 접근을 제공하며, 선택적으로 프리미엄 신용 모니터링 서비스를 제공합니다.
이 플랫폼은 개별 소비자의 목표와 신용 프로필에 맞춤화된 제3자 금융 제안 네트워크를 통합합니다. 이 서비스는 TransUnion의 웹사이트와 앱을 통해 제공되며, 2025년 상반기 동안 단계적으로 출시될 예정입니다.
이번 협력에서 Credit Sesame는 TransUnion 데이터를 사용하여 제품 플랫폼, 모바일 앱 및 통합된 금융 제안 네트워크를 개발하고 관리하며, TransUnion은 소비자 확보, 서비스 제공 및 운영 관리를 담당합니다. 회사는 기존 미국 소비자 기반을 새로운 플랫폼으로 이전할 계획입니다.
TransUnion (NYSE:TRU) a annoncé une collaboration stratégique avec Credit Sesame pour lancer un nouveau service d'éducation et de surveillance du crédit directement destiné aux consommateurs aux États-Unis. La nouvelle offre freemium fournira aux consommateurs un accès quotidien gratuit à leur score et rapport de crédit TransUnion, ainsi que des services de surveillance du crédit premium optionnels.
La plateforme intégrera un réseau d'offres financières de tiers personnalisées en fonction des objectifs individuels des consommateurs et des profils de crédit. Le service sera disponible via le site web et l'application de TransUnion, avec un lancement échelonné au cours de la première moitié de 2025.
Dans cette collaboration, Credit Sesame développera et gérera la plateforme du produit, l'application mobile et le réseau intégré d'offres financières en utilisant les données de TransUnion, tandis que TransUnion s'occupera de l'acquisition des consommateurs, du service et des contrôles opérationnels. L'entreprise prévoit de migrer sa base de consommateurs actuelle aux États-Unis vers la nouvelle plateforme.
TransUnion (NYSE:TRU) hat eine strategische Zusammenarbeit mit Credit Sesame angekündigt, um einen neuen Direktdienst für Verbraucherbildung und Kreditüberwachung in den USA zu starten. Das neue Freemium-Angebot bietet Verbrauchern kostenlosen täglichen Zugang zu ihrem TransUnion-Kreditscore und -bericht sowie optionale Premium-Kreditüberwachungsdienste.
Die Plattform wird ein Netzwerk von Drittanbieter-Finanzangeboten integrieren, das auf die individuellen Ziele und Kreditprofile der Verbraucher zugeschnitten ist. Der Dienst wird über die Website und App von TransUnion verfügbar sein, mit einer schrittweisen Einführung in der ersten Hälfte des Jahres 2025.
In dieser Zusammenarbeit wird Credit Sesame die Produktplattform, die mobile App und das integrierte Netzwerk von Finanzangeboten unter Verwendung von TransUnion-Daten entwickeln und verwalten, während TransUnion für die Kundenakquise, den Service und die operativen Kontrollen verantwortlich ist. Das Unternehmen plant, seine bestehende US-Verbraucherbasis auf die neue Plattform zu migrieren.
- New revenue stream through premium credit monitoring services
- Expansion of consumer reach through freemium model
- Strategic partnership leveraging Credit Sesame's established platform
- Additional revenue potential from third-party financial offers
- Investment costs in platform development and integration
- Potential revenue impact during transition of existing customers
Insights
This strategic partnership represents a calculated move by TransUnion to modernize its direct-to-consumer business model and capture a larger share of the growing credit monitoring market. The collaboration combines TransUnion's robust credit data infrastructure with Credit Sesame's proven consumer engagement platform, creating a potentially powerful synergy in the personal finance space.
The freemium model is particularly significant for three reasons:
- It addresses the customer acquisition bottleneck by providing a no-cost entry point, potentially reducing customer acquisition costs while expanding the top of the sales funnel
- The integration of tailored financial offers creates a multi-revenue stream model combining subscription fees from premium services with referral revenues from financial product recommendations
- It positions TransUnion to build direct relationships with consumers, reducing dependency on third-party channels and increasing data collection opportunities for product optimization
The phased implementation approach throughout H1 2025 suggests a focus on testing and optimization, likely to ensure smooth technical integration and optimal user experience before full-scale rollout. This cautious approach could help minimize potential disruption to existing revenue streams while the new platform gains traction.
From a competitive standpoint, this move appears defensive and offensive simultaneously. It helps protect TransUnion's market position against both traditional competitors and fintech disruptors while opening new growth avenues through the financial product marketplace. The timing aligns with increasing consumer focus on credit health and financial literacy, potentially accelerating adoption.
Looking at the broader implications, this partnership could transform TransUnion's relationship with consumers from a primarily data provider to a more engaged financial services platform. The success of this initiative will likely depend on execution quality, particularly in areas of user experience, conversion optimization, and the relevance of financial product recommendations.
Solution will engage more U.S. consumers to take action to manage their financial futures
CHICAGO, Feb. 13, 2025 (GLOBE NEWSWIRE) -- TransUnion (NYSE:TRU) has announced the launch of its new direct-to-consumer experience in the U.S., enabled by its strategic collaboration with Credit Sesame, a leader in the credit management space. This new offering is expected to enable TransUnion to more fully serve the tens of millions of consumers who visit TransUnion digital properties annually, with a highly engaging freemium credit education solution that will be integrated with enhanced premium credit monitoring services.
This new experience will provide consumers with access to a suite of free credit education services, including a daily TransUnion credit score and report, in addition to optional premium credit monitoring services, available on TransUnion’s website and app. Consumers will also have access to a network of third-party financial offers, tailored to a consumer’s individual goals and credit profile. TransUnion expects to launch the new offering in phases throughout the first half of 2025.
“Personal empowerment is a key component of our commitment to Information for Good®,” said Steve Chaouki, President, U.S. Markets, TransUnion. “By providing a free-first experience that includes financial offers, we engage with more consumers, enabling them to better understand their financial situations and take action to manage their financial futures. By integrating our freemium offering with our enhanced premium credit and identity monitoring services, we expect to deliver a more expansive product offering to consumers and position our direct-to-consumer business for sustainable growth.”
This initiative combines the unique capabilities of Credit Sesame and TransUnion. Credit Sesame provides its expertise to develop and manage a highly engaging product platform, mobile app and integrated network of financial offers, all powered by TransUnion data. TransUnion plans to upgrade its existing consumer base in the U.S. onto the new platform and manage consumer acquisition and consumer servicing, as well as ongoing operational and compliance controls.
“We’re committed to empowering consumers to take charge of their financial health,” said Adrian Nazari, CEO, Credit Sesame. “We have a track record of success in the freemium credit space, helping millions of Americans effectively manage their credit and create better opportunities for themselves and their families. By leveraging our Sesame platform, we expect that TransUnion will be able to deeply engage consumers and support them in achieving their financial goals.”
About TransUnion (NYSE: TRU)
TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru™ picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good® — and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world. http://www.transunion.com/business
About Credit Sesame
Credit Sesame is a leading financial wellness company dedicated to helping consumers achieve better credit and financial health through cutting-edge technology and data-driven solutions. With a decade of credit expertise and a proven track record of serving over 18 million users, Credit Sesame leverages AI and advanced analytics to empower individuals to improve their credit scores, enhance approval odds, and reduce credit costs.
The recently launched Sesame Credit Intelligence Platform extends this mission by providing institutions with a turnkey AI-powered credit intelligence solution. It enables businesses to offer personalized credit and financial wellness experiences, driving deeper customer engagement and growth.
Backed by leading institutional and strategic investors, Credit Sesame operates across the U.S. For more information, visit www.addsesame.com.
TransUnion Forward-Looking Statements
This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on the current beliefs and expectations of TransUnion’s management and are subject to significant risks and uncertainties. Actual results may differ materially from those described in the forward-looking statements. Any statements made in this press release that are not statements of historical fact, including statements about our beliefs and expectations, are forward-looking statements. Forward-looking statements include information concerning possible or assumed future results of operations, including our guidance and descriptions of our business plans and strategies. These statements often include words such as “anticipate,” “expect,” “guidance,” “suggest,” “plan,” “believe,” “intend,” “estimate,” “target,” “project,” “should,” “could,” “would,” “may,” “will,” “forecast,” “outlook,” “potential,” “continues,” “seeks,” “predicts,” or the negatives of these words and other similar expressions. There may be other factors, many of which are beyond our control, that may cause our actual results to differ materially from the forward-looking statements, including factors disclosed in our Annual Report on Form 10-K for the year ended December 31, 2024, and any subsequent Quarterly Report on Form 10-Q or Current Report on Form 8-K filed with the Securities and Exchange Commission. You should evaluate all forward-looking statements made in this report in the context of these risks and uncertainties.
The forward-looking statements contained in this press release speak only as of the date of this press release. We undertake no obligation to publicly release the result of any revisions to these forward-looking statements to reflect the impact of events or circumstances that may arise after the date of this press release.
| Contact | Dave Blumberg TransUnion |
| david.blumberg@transunion.com | |
| Telephone | 312-972-6646 |
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