LONDON & AMSTERDAM -- Experian announced the launch of the Agent Operating System™, a trusted agentic AI layer within the Experian Ascend Platform, unveiled at Money20/20 Europe.

The Experian Agent Operating System is designed to help financial services organisations move successfully beyond AI experimentation and safely scale agentic AI to transform decision-making, customer experiences, and day-to-day operations. It enables AI agents from Experian, clients and partners to work together through a common trust, semantic and orchestration layer, supported by clear controls, auditability and human oversight.

The launch comes as financial services firms accelerate investment in AI but continue to face major barriers to scaling adoption. New Experian research* shows that nearly half of global organisations (48%), say integrating data into AI workflows remains difficult, while a third cite poor data lineage and a further third say data is siloed across teams and systems.

At the same time, consumers are increasingly open to AI acting on their behalf, with 55%** willing to use AI tools for online purchases or bookings, rising to 70% among 25-39-year-olds.

Vijay Mehta, General Manager AI, Experian Software Solutions, said: “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. This ultimately enables clients to automate key lending workflows, like fraud checks or loan approvals, in real time compared to the fragmented manual processes many rely on today.”

ServiceNow, the AI control tower for business reinvention, will be the first partner to integrate with Experian’s Agent Operating System. Through the multi-year partnership, ServiceNow AI agents will connect with Experian’s Ascend Platform, allowing customers to access trusted data, decisioning and governance capabilities within existing enterprise workflows.

Cedric Parent, GVP, Global Industries at ServiceNow, said: “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 can‘t 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.”

Supporting the full lending lifecycle from customer acquisition and fraud detection to credit decisioning, portfolio monitoring, and reporting, Agent Operating System bridges the gap between AI ambition and operational reality. It combines data, analytics, decisioning, and identity with built-in governance, risk management, explainability, and controls to enable trusted complex workflow automation.

The Agent Operating System will be available to early adopters later this year, before rolling out to more than 2,300 client solutions globally. Key capabilities include:

· A trusted agentic operating layer: Identity, access control, data security, compliance guardrails, monitoring and governance controls that enable AI agents to operate safely across data, models and workflows.
· Composability: Experian, client-built, and partner agents work together without having to replace existing technology, allowing organisations to start with targeted use cases and progressively evolve toward fully connected, agent-driven workflows.
· Agent-native decisioning: Purpose-built agents across fraud, identity, credit risk, marketing, analytics, operations and governance that can investigate, orchestrate and optimise workflows, rather than simply respond to prompts.
· Embedded governance by design: Model risk management, explainability, audit trails, monitoring and policy enforcement built into agentic workflows to support compliant AI at enterprise scale.
· Productivity at scale, with human oversight: Automation of investigation, strategy execution, insight generation, documentation and monitoring, with human-in-the-loop validation for complex decisions and high-impact outcomes.

Experian is a 5-star sponsor of Money20/20 Europe in Amsterdam and will host the event’s Connection Lounge. Adolfo Tunon, Head of Banking GTM, EMEA at ServiceNow will join Experian’s Vijay Mehta and Laurie Schnidman on stage to discuss the launch of Agent Operating System and the future of agentic AI in financial services.