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

Experian Readies Agentic AI to Overhaul Legacy Lending Processes | PYMNTS.com

The Experian Agent Operating System will enable AI agents from Experian, clients and partners to work together, supported by clear controls, auditability and human oversight, and will support the full lending lifecycle, the company said in a Tuesday (June 2) press release. Experian will make this solution available to early adopters later this year and then roll it out to more than 2,300 client solutions globally, according to the release. "It brings together our unique data, advanced analytics, decisioning expertise and embedded governance within the Ascend Platform to help organizations deploy AI with confidence," Vijay Mehta, general manager AI, Experian Software Solutions, said in the release. "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." The first partner to integrate with Experian's Agent Operating System will be ServiceNow. This integration will connect ServiceNow agents with the Experian Ascend Platform, per the release. Cedric Parent, group vice president, global industries at ServiceNow, said in the release that this deployment will give financial institutions "the confidence to automate high-stakes decisions, from fraud detection to credit risk." PYMNTS reported in March that FinTech lenders said that automated underwriting systems, with AI in the mix, are enabling them to process large numbers of applications and expand loan originations across consumer and small business credit markets. Experian announced in May that it launched an agentic AI partnership with ServiceNow that is designed to help businesses make better decisions with the help of autonomous AI agents. The companies said that connecting the Experian Ascend Platform to the ServiceNow AI platform lets agents access Experian's insights and decisioning capabilities directly within existing workflows, giving customers the opportunity to automate intelligence at scale. Experian and ServiceNow said in May that their collaboration will support a range of use cases for businesses in highly regulated environments, beginning with third-party risk management, including fraud and identity verification for businesses, employee onboarding and model risk management.

Experian Launches Agent Operating System Within Ascend Platform

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. ServiceNow 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. 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.