Experian launches AI operating system for financial services
Experian unveiled an Agent Operating System designed to help financial services firms deploy autonomous AI across lending decisions. The platform launches today at Money20/20 Europe in Amsterdam, with ServiceNow as the first integration partner under a multi-year agreement.
The system addresses a core problem: 48% of financial organisations struggle to integrate data into AI workflows, according to Experian research. Data silos and unclear lineage keep most AI projects stuck in pilots rather than production.
What the operating system does
The platform unifies data, decisioning and governance in a single layer that coordinates AI agents across existing technology. It handles the full lending lifecycle-from customer acquisition and identity verification through fraud detection and credit decisions.
Five core capabilities support operations:
- A trusted operating layer with identity controls, data security and compliance guardrails
- Composability that lets Experian, client-built and partner agents work together without replacing existing systems
- Agent-native decisioning that investigates and optimises workflows rather than simply responding to prompts
- Embedded governance that builds audit trails and explainability directly into workflows
- Automation with human oversight for high-impact decisions
Vijay Mehta, General Manager AI at Experian Software Solutions, said: "The winners will be those who turn AI into trusted operational reality, built on high quality data, strong governance and transparency in every decision."
Consumer acceptance is rising
A HarrisX poll conducted between March and April 2026 found that 55% of consumers would allow an AI agent to make autonomous purchases on their behalf. That figure rises to 70% among people aged 25 to 39.
The shift signals growing comfort with automated decisions in financial transactions, though regulatory requirements remain strict. Financial institutions must maintain explainability and audit trails for every autonomous decision.
ServiceNow partnership brings integration
ServiceNow becomes the first partner to integrate with the system. Its agents will connect to the Experian platform, allowing customers to access trusted data and decisioning inside existing enterprise workflows.
Cedric Parent, GVP Global Industries at ServiceNow, said: "Without access to trusted, real-time data inside enterprise workflows, agents simply cannot operate at the speed or scale the industry demands."
Early adopters gain access later this year. Experian plans a global rollout across more than 2,300 client solutions.
For finance professionals evaluating AI for Finance and AI Agents & Automation, the platform represents a shift from experimental projects to production-grade systems with built-in compliance.
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