Experian introduced the Agent Operating System™, a core capability within its Ascend Platform designed to help financial services organizations safely scale agentic AI across the lending lifecycle. The system integrates Experian, client, and partner AI agents within a trusted operating layer for data, decisioning, governance, and control, addressing key barriers to AI adoption in finance. This launch represents a significant step in transforming how financial institutions approach AI implementation, moving beyond isolated experiments to creating a comprehensive framework for operationalizing artificial intelligence across complex financial workflows.
Experian Agent Operating System Launches at Money20/20 Europe
Experian unveiled the Agent Operating System at Money20/20 Europe, positioning it as a solution to move financial services firms beyond AI experimentation and safely scale agentic AI for decision-making, customer experiences, and operations. The platform enables AI agents from Experian, clients, and partners to collaborate through a common trust, semantic, and orchestration layer, supported by clear controls, auditability, and human oversight. The launch comes as financial services firms accelerate AI investment but face significant scaling challenges, including data integration difficulties, poor data lineage, and siloed data systems. Experian, as a 5-star sponsor of Money20/20 Europe in Amsterdam, hosted the event's Connection Lounge and featured a discussion panel including Adolfo Tunon, Head of Banking GTM, EMEA at ServiceNow, alongside Experian's Vijay Mehta and Laurie Schnidman to explore the future of agentic AI in financial services.
Platform Context: Addressing Adoption Barriers
New Experian research reveals that 48% of global organizations find integrating data into AI workflows difficult, while a third cite poor data lineage and another third report data siloed across teams and systems. The Agent Operating System aims to bridge this gap by combining data, analytics, decisioning, and identity with built-in governance, risk management, explainability, and controls. Key capabilities include a trusted agentic operating layer with identity, access control, and compliance guardrails; composability allowing Experian, client-built, and partner agents to work together without replacing existing technology; agent-native decisioning for fraud, identity, credit risk, and other domains; embedded governance by design; and productivity automation with human oversight for complex decisions. Vijay Mehta, General Manager AI, Experian Software Solutions, emphasized that "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."
Buyer Impact: Consumer Readiness and ServiceNow Integration
Consumer openness to AI is growing, with 55% of consumers willing to allow an AI agent to make an autonomous purchase on their behalf, rising to 70% among 25-39-year-olds. ServiceNow becomes the first partner to integrate with the Agent Operating System. Through this multi-year partnership, ServiceNow AI agents will connect with Experian's Ascend Platform, enabling financial institutions to access trusted data, decisioning, and governance capabilities within existing enterprise workflows. Cedric Parent, GVP, Global Industries at ServiceNow, noted that "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." The system supports the full lending lifecycle from customer acquisition to portfolio monitoring and reporting, helping organizations bridge the gap between AI ambition and operational reality. 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 Takeaways
- Experian launched the Agent Operating System™, a trusted agentic AI layer within the Ascend Platform, designed to help financial services organizations safely scale AI across the lending lifecycle.
- 48% of global organizations report difficulty integrating data into AI workflows, while 55% of consumers are willing to allow AI agents to make autonomous purchases on their behalf.
- ServiceNow is the first partner to integrate with the Agent Operating System, connecting its AI agents with Experian's platform to enable trusted data access and decisioning within enterprise workflows.
TechInsyte's Take
The Agent Operating System represents Experian's strategic response to the growing demand for operationalized AI in financial services, particularly addressing persistent data integration challenges. While the platform offers a structured approach to deploying agentic AI with built-in governance, its success will depend on demonstrating tangible workflow improvements and managing the inherent complexities of multi-agent orchestration at scale. Buyers should closely monitor early adopter implementations and the evolution of partner integrations to assess practical deployment readiness.
Source: Businesswire
