en.Wedoany.com Reported - Experian has launched the Agent Operating System at Money20/20 Europe in Amsterdam, providing financial services organizations with a secure and compliant autonomous decision-making framework. As a core capability within the Experian Ascend platform, the system offers a trusted operational layer for data, decisions, governance, and control. ServiceNow has become the first partner, integrating under a multi-year agreement.

Investment in AI within the financial services industry is accelerating, but legacy infrastructure remains a major barrier to scaling. Experian's research shows that 48% of global organizations face difficulties integrating data into AI workflows. One-third of organizations cite weak data lineage, obscuring the origin and transformation of data within models; another third report data silos across teams and systems. These operational obstacles confine AI to proof-of-concept rather than production deployment, while also increasing model risk and slowing regulatory reporting—critical for financial institutions. The Agent Operating System aims to bridge this gap by unifying data, decisions, and governance within a single platform layer that orchestrates agents across existing technology assets.

Consumer demand for automation is growing. A HarrisX survey conducted between March and April 2026 of UK consumers and over 500 senior decision-makers found that 55% of consumers would allow AI agents to make autonomous purchases on their behalf, with this willingness rising to 70% among those aged 25 to 39. Vijay Mehta, General Manager of AI at Experian Software Solutions, said: "Agentic AI will reshape financial services, transforming how decisions are made, how customers are served, and how organizations operate at scale. This is no longer an experiment. The winners will be those companies that turn AI into a trusted operational reality, built on high-quality data, strong governance, and transparency in every decision. The Experian Agent Operating System is built for exactly this."

Cedric Parent, Senior Vice President of Global Industries at ServiceNow, said: "Financial services companies are under immense pressure, with tightening regulations, rising fraud complexity, and increasing customer expectations. The ambition to deploy agentic AI exists, but without access to trusted real-time data within enterprise workflows, agents simply cannot operate at the speed or scale the industry requires. ServiceNow is proud to be the first partner deployed on the Experian Agent Operating System, giving financial institutions the confidence to automate high-risk decisions, from fraud detection to credit risk."

The Agent Operating System supports the full loan lifecycle, from customer acquisition and identity verification to fraud detection and credit decisions. It orchestrates multiple AI tools to execute complex business strategies, combining advanced analytics and identity verification with built-in risk management. The system introduces agent-native decisions, shifting from prompt-driven to investigative, workflow-optimized agents, and embeds governance-by-design, ensuring transparency, explainability, and auditability. Five core capabilities include: a trusted agent operational layer, providing identity authentication, access control, data security, compliance guardrails, and governance controls for secure operations; composability, allowing Experian, customer-built, and partner agents to work together without requiring organizations to replace existing technology; agent-native decisions, deploying specialized agents in fraud, credit risk, and compliance areas to investigate and optimize workflows rather than simply responding to prompts; embedded governance-by-design, integrating model risk management, explainability, audit trails, and policy enforcement directly into agent workflows; and scaled productivity with human oversight, automating investigations, policy execution, and documentation while retaining human verification for high-impact outcomes. By leveraging these capabilities, financial institutions can transition from fragmented manual processes to real-time, governed credit approvals. Early users will gain access later this year, with global rollout covering over 2,300 customer solutions.

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