TransUnionTRU

TransUnion is deploying role-based AI agents for TruIQ, fraud models and productivity.

“© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 3131 AI solidifies our strengths and fuels growth ✓AI-enabled customers consume more data and adopt innovation rapidly ✓ Increase predictivity of our data and models ✓Capture value with AI agents by performing work done upstream by customers or software Contributory credit databases Non-public, highly regulated data furnished by thousands of institutions + Industry-leading identity graph Proprietary data, 100k+ sources, network effect from fraud and marketing solutions + Powering critical workflows Governable, explainable and deterministic solutions along with deep domain expertise Durable data advantage AI-enabled organization AI-native OneTru platform Enhancing data onboarding, identity resolution, analytics and delivery + Next-gen AI-powered solutions Role-based agents for TruIQ; new fraud models; curated marketing audiences + Internal productivity Technology, analytics and overall commercial efficiencies + Solutions priced at basis points of their enormous value Making us higher performing and more efficient Positioned for AI- powered growth: TransUnion – Investment Highlights”

TransUnion is developing role-based AI agents for TruIQ, new fraud models, and internal productivity.

“© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 7 AI solidifies our strengths and fuels growth AI-enabled customers consume more data and adopt innovation rapidly  Increase predictivity of our data and models Capture value with AI agents by performing work done upstream by customers or software Contributory credit databases Non-public, highly regulated data furnished by thousands of institutions + Industry-leading identity graph Proprietary data, 100k+ sources, network effect from fraud and marketing solutions + Powering critical workflows Governable, explainable and deterministic solutions along with deep domain expertise Durable data advantage AI-enabled organization AI-native OneTru platform Enhancing data onboarding, identity resolution, analytics and delivery + Next-gen AI-powered solutions Role-based agents for TruIQ; new fraud models; curated marketing audiences + Internal productivity Technology, analytics and overall commercial efficiencies + Solutions priced at basis points of their enormous value Making us higher performing and more efficient Positioned for AI- powered growth: Today’s Spotlights”

TransUnion's TruOps platform includes AI Agent Assist for customer and consumer service operations.

“© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 11 TruOps: TU’s Global Operations-Enablement Platform Consumer Ecosystem Analytics, VOC Insights & Surveys Accent Neutralization Agent Knowledge Base AI Agent Assist Workforce Management Phone, Chat, Mail Room Customer Ecosystem Opportunity Management Customer Portal Contract Lifecycle Order Configuration & Fulfillment Pricing & Quotation Lead Generation TruOps enables scale in customer and consumer service”

TransUnion plans to automate and accelerate using agentic AI across its innovation approach.

“© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 14 • Automate and accelerate using Agentic AI • Expand service delivery options • Evolve how we Go-to-Market • Connect product suites into workflows • Combine point solutions into product suites • Build leading point solutions • Expand data science and analytics capabilities • Enhance data quality Activation Orchestration Intelligence The resulting capabilities allow us to accelerate innovation and deliver greater customer value In cr ea si ng V al ue C re at io n Our innovation approach is: Deployed across all solutions Enhanced with AI Powered by a common, persistent consumer Identity Extended to all markets”

TransUnion's OneTru uses multiple agentic AI agents for data analytics, model development and solution workflows.

“© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 31 OneTru leverages AI to operationalize and accelerate the data analytics value chain across Credit, Marketing and Fraud solutions The result is accelerated time to value while lowering the total cost of ownership for customers Data Collection & Processing Identity Curation & Resolution Insights & Model Development Model Deployment & Data Delivery Decision Design, Deployment & Execution Visualization, Reporting & Measurement Onboarding Agent - with automated governance and metadata Connecting data points across billions of signals with Knowledge Graphs Orchestrator Agent explores data, engineers features, selects models and validates Delivery Agent orchestrates data between systems and delivers context- aware insights Solution Canvas Agent capable of orchestrating complex, multi-step solution workflows Self-service Dashboards with conversational interface, automated insights and proactive alerting Value of OneTru AI at the Core Fresher, broader, improved data Credit to non- credit identity resolution Faster, better models Faster time to model deployment; batch & online fulfilment Better decisions with self-service access Deeper insights with ingestion of performance Agentic AI with Human-in-the-Loop Data Identity Analytics Delivery 31”

TransUnion utilizes AI for marketing with machine-to-machine agentic flows and propensity models.

“© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 76 AI in the Marketing Space Utilizing AI and best-in-class data for enhanced discovery, speed, and predictive outcomes • Marketing bridges the gap from large disconnected datasets to individual consumer preferences • AI accelerates personalization and experimentation at scale Audiences by TransUnion • Improved user experience with search and discovery, driving speed and efficiency Model Context Protocol Agent Access • Machine-to-machine agentic flows Propensity Models • Predictive, activation-ready outcomes Best-in-class data • 700+ demographic and 15k+ consumer attributes • Expansive partnerships – walled gardens, streamers, publishers Highest Quality Data = Better Outcomes • 10% improvement for AI-driven marketing predictions • Identity Resolution reduced false positives by ~20% Why TU Our AI Innovations”

TransUnion has deployed AI for product innovation, knowledge graphs, agentic capabilities in TruIQ, and proprietary tools like OneTru AI Assist.

“• Leveraging AI to Enhance Solutions and Drive Productivity: Advancements in AI over the last three years, particularly in generative AI, agentic systems, and knowledge graphs, have created significant opportunities for businesses in the data and analytics sector. With OneTru, we are positioned to take advantage of these advancements in AI. We have started leveraging AI for product innovation, including our TruIQ suite of products and knowledge graphs underpinning our fraud and marketing solutions. We are also integrating agentic AI capab ilities in TruIQ to automate the end-to-end data and analytics value chain. In addition, we have built and started using proprietary AI tools such as OneTru AI Assist to drive productivity across the software development lifecycle.”

TransUnion uses AI-embedded platform, role-based agents and internal productivity initiatives.

“© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 12 TransUnion is advantaged for an AI future with strong competitive moats Positioned for AI-powered growth: AI-enabled customers consume more data and adopt innovation more rapidly AI and advanced analytics boost predictivity of our data and models Opportunity to capture more value with AI agents by performing work done by internal client teams or upstream software Core contributory credit databases Non-public, highly regulated data furnished by thousands of institutions + Industry-leading identity graph Proprietary data assets, 100k+ data sources, and network effect with unique signal from providing fraud and marketing solutions + Deep domain expertise Across verticals and solutions with advanced analytical rigor Data as a foundational advantage AI-embedded across organization AI-enabled platform (OneTru) Enhancing data onboarding, identity resolution, analytics and delivery + Next-gen AI-powered products Role-based agents for TruIQ Next-gen fraud detection models Advanced behavioral marketing analytics + Internal productivity initiatives Driving efficiency for our engineers, operations and corporate functions + Powering our leading products, priced at basis points of the enormous value they create for customers Making us faster, higher performing and more efficient across organization”

TransUnion deploys agentic AI across OneTru for data onboarding, resolution, analytics and delivery.

“8@ Copyright 2025 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. AI use cases being deployed Differentiated data assets, product data exhaust, and customer data connected by a leading identity graph Advantaged for AI future Extensive experience applying AI and machine learning across products, models and consulting Enterprise data and workflow platform (OneTru) enabling scaled deployment of internal and 3rd party AI tools Accelerated innovation and revenue growth Improved customer experience Strengthened operational excellence and efficiency Enhanced risk mitigation and compliance AI-empowered customers use more data and can adopt our newest innovations faster AI-driven value realization Internal productivity tools including OneTru Assist for developers; OneTru AI Studio for non-technical users AI-enabled solutions including TruIQ, Fraud advanced analytics and Marketing behavioral knowledge graph Agentic AI across OneTru for data onboarding, identity resolution, analytics and delivery OneTru leverages AI tools for faster, higher quality decision-making”