Experian Launches AI Agent Operating System for Finance

Experian is moving financial services past the traditional wariness of AI with a secure, compliant framework for autonomous decisions. 

The Agent Operating System becomes a core capability within the Experian Ascend Platform, providing a trusted operating layer for data, decisioning, governance and control.

The launch is announced at Money20/20 Europe in Amsterdam, Netherlands, with ServiceNow as the first partner to integrate under a multi-year agreement.

Data bottlenecks to AI scaling

Investment in AI is accelerating across financial services, while legacy infrastructure remains a major barrier to scale.

Experian research indicates that 48% of global organisations find it difficult to integrate data into AI workflows.

One third cite weak data lineage that obscures the origin and transformation of data used in models. Another third report that data is siloed across teams and systems.

These operational hurdles keep AI confined to proofs of concept rather than production deployment. They also raise model risk and slow regulatory reporting, which is critical for financial institutions.

The Agent Operating System is positioned to close this gap by unifying data, decisioning and governance in one platform-layer that can orchestrate agents across existing technology estates.

Consumers show readiness for autonomous decisions

Consumer appetite for automation is growing. In a polling conducted between March and April 2026, HarrisX surveyed consumers and more than 500 senior decision-makers at organisations across the UK.

It found that 55% of consumers would allow an AI agent to make an autonomous purchase on their behalf.

That willingness rises to 70% among people aged 25 to 39. This signals a shift towards everyday acceptance of automated decisions.

Vijay Mehta, General Manager AI at Experian Software Solutions, says: “Agentic AI will reshape financial services, changing how decisions are made, how customers are served and how organisations operate at scale. This is no longer about experimentation.

“The winners will be those who turn AI into trusted operational reality, built on high quality data, strong governance and transparency in every decision. The Experian Agent Operating System is built for that moment. It brings together our unique data, advanced analytics, decisioning expertise and embedded governance within the Ascend Platform to help organisations deploy AI with confidence.”

ServiceNow partnership brings workflow integration

ServiceNow becomes the first partner to integrate with the Agent Operating System. 

Through a multi-year partnership, ServiceNow AI agents connect with the Experian Ascend Platform, allowing customers to access trusted data and decisioning inside existing enterprise workflows.

Cedric Parent, GVP Global Industries at ServiceNow, says: “Financial services firms are under enormous pressure, with tightening regulations, rising fraud complexity, and rising customers’ expectations. The ambition to deploy agentic AI is there, but without access to trusted, real-time data inside enterprise workflows, agents simply cannot operate at the speed or scale the industry demands.

“ServiceNow is proud to be the first partner deploying within Experian’s Agent Operating System, giving financial institutions the confidence to automate high-stakes decisions, from fraud detection to credit risk.”

Operational capabilities for lending at scale

The Agent Operating System supports the full lending lifecycle from customer acquisition and identity verification to fraud detection and credit decisioning. 

It coordinates multiple AI tools to execute complex business strategies, combining advanced analytics and identity verification with built-in risk management.

It introduces agent-native decisioning that moves beyond prompts to investigative, workflow-optimising agents. It also embeds governance by design, ensuring transparency, explainability and auditability.

Five core capabilities provide an operational foundation for financial institutions:

• A trusted agentic operating layer: It provides identity, access control, data security, compliance guardrails and governance controls to ensure safe operation
  
• Composability: It allows Experian, client-built and partner agents to work together without requiring organisations to replace existing technology
  
• Agent-native decisioning: It deploys purpose-built agents across fraud, credit risk and compliance that investigate and optimise workflows rather than simply responding to prompts
  
• Embedded governance by design: It builds model risk management, explainability, audit trails and policy enforcement directly into agentic workflows
  
• Productivity at scale with human oversight: It automates investigation, strategy execution and documentation while retaining human validation for high-impact outcomes.

Early adopters will have access later this year, with a global rollout planned across more than 2,300 client solutions.

By using these capabilities, financial institutions can transition from fragmented manual processes to real-time, governed credit approvals.