Experian launches Agent Operating System to automate lending with agentic AI across 2,300 solutions

Experian Introduces Agentic AI Layer for Financial Services

Experian announced the launch of its Agent Operating System, a trusted agentic AI layer embedded within the Experian Ascend Platform, at Money20/20 Europe 2

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. The AI-powered platform addresses a critical challenge facing financial institutions: moving beyond AI experimentation to safely scale autonomous AI agents that can transform decision-making, customer experiences, and operational efficiency 2

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. The system enables AI agents from Experian, clients, and partners to collaborate through a common trust, semantic, and orchestration layer, all supported by clear controls, auditability, and human oversight 1

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Experian plans to make the Agent Operating System available to early adopters later this year before rolling it out to more than 2,300 client solutions globally 1

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. "It brings together our unique data, advanced analytics, decisioning expertise and embedded governance within the Ascend Platform to help organizations deploy AI with confidence," said Vijay Mehta, general manager AI at Experian Software Solutions 1

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ServiceNow Partnership Connects Enterprise Workflows

ServiceNow will serve as the first partner to integrate with Experian's Agent Operating System, connecting ServiceNow AI agents directly with the Ascend Platform 1

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. This integration allows customers to access trusted data, decisioning, and governance capabilities within existing enterprise workflows 2

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. Cedric Parent, group vice president of global industries at ServiceNow, noted that this deployment will give financial services organizations "the confidence to automate high-stakes decisions, from fraud detection to credit risk" 1

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The multi-year partnership builds on a collaboration announced in May, when Experian and ServiceNow first unveiled their agentic AI partnership designed to help businesses make better decisions with autonomous AI agents 1

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. The companies indicated their collaboration will support use cases for businesses in highly regulated environments, including third-party risk management, fraud and identity verification for businesses, employee onboarding, and model risk management 1

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Capabilities to Automate Lending Processes End-to-End

The Agent Operating System supports the full lending lifecycle, from customer acquisition and fraud detection to credit decisioning, portfolio monitoring, and reporting 2

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. This 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, according to Mehta 1

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The platform features a trusted agentic operating layer with identity, access control, data security, compliance guardrails, monitoring, and governance controls that enable AI agents to operate safely across data, models, and workflows . It also offers composability, allowing Experian, client-built, and partner agents to work together without replacing existing technology, which lets financial institutions start with targeted use cases and progressively evolve toward fully connected, agent-driven workflows 2

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Built-In Governance Addresses Regulatory Concerns

The system includes embedded governance by design, with model risk management, explainability, audit trails, monitoring, and policy enforcement built into agentic workflows to support compliant AI at enterprise scale 2

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. This approach addresses the major barriers financial services firms face when scaling AI adoption, particularly around regulatory compliance and risk management in highly regulated environments.

The platform delivers productivity at scale while maintaining human oversight through automation of investigation, strategy execution, insight generation, documentation, and monitoring, with human-in-the-loop validation for complex decisions and high-impact outcomes 2

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. As FinTech lenders increasingly adopt automated underwriting systems with AI to process large numbers of applications and expand loan originations across consumer and small business credit markets, Experian's approach positions the company to help traditional financial institutions compete in this evolving landscape 1

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