Jurisdiction(s):
United Kingdom

Key definition

Experian definition

What does Experian mean? In UK pensions practice, Experian is a credit reference and data analytics agency whose failure-score modelling was used by the pension protection fund (PPF) to assess the insolvency risk of sponsoring employers and produce the PPF score, which determined the risk-based levy payable by defined benefit schemes. Experian performed this role from April 2014 until 2020. Since 2020, Dun & Bradstreet has been the PPF’s insolvency risk service provider; current PPF employer scores are therefore provided by Dun & Bradstreet and references to Experian scores are historic. This usage is descriptive rather than statutory. The Pensions Act 2004 and...

CMA Phase 2 final report: Clearance of Bottomline’s completed acquisition of Experian’s EPG—no SLC in UK Bacs/FPS payment software; unwinding and hold-separate orders imposed

Published by a LexisNexis Competition expert

Practice notes

CASE HUB ARCHIVED — this archived case hub reflects the position at the date of the decision of 17 March 2020; it is no longer maintained. See further, timeline and commentary

Case facts

Outline

UK merger inquiry into the completed purchase by Bottomline of Experian’s EPG business and associated assets. The deal featured horizontal overlaps within markets for payment software.

Latest developments

On 17 March 2020, the CMA published its final report, concluding that the transaction had not resulted in, and was not expected to result in, an SLC in payment software markets. Consequently, the CMA cleared the acquisition without conditions.

Parties

Bottomline Technologies, (de) Inc (Bottomline), a US-based provider, delivers electronic payment, invoice, and document automation solutions primarily across the US, Europe, and the Asia-Pacific.
Experian Limited (Experian) forms part of a group whose parent company, Experian plc, is listed on the London Stock Exchange. Experian plc is a multinational consumer credit reporting company; it collects and aggregates data on over one billion individuals and businesses.
Experian Payments Gateway (EPG) is a global payments platform that manages complex payment needs and supports multiple payment channels...

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Web page updated on 21/05/2026

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