Experian Helps Financial Services Safely Scale Agentic AI

Experian is moving financial services past its traditional wariness of AI with a secure, compliant framework for autonomous decisions. 

Launching the Agent Operating System, the company is bringing a new core capability within its Experian Ascend Platform, providing a trusted operating layer for data, decisioning, governance and control.

The new product was announced at Money20/20 Europe in Amsterdam, Netherlands, with ServiceNow becoming its first partner to integrate with the system as part of a multi-year partnership.

Data bottlenecks to AI scaling

Investment in AI is accelerating across the financial sector, but traditional infrastructure presents major barriers to scaling adoption. 

New research from Experian shows that nearly half of global organisations, 48%, say integrating data into AI workflows remains difficult.

A third of businesses cite poor data lineage as a problem. A further third say data is siloed across teams and systems. These operational hurdles prevent firms from deploying AI beyond isolated testing environments.

At the same time, consumer appetite for automation is growing, as revealed in a research conducted by HarrisX between March and April 2026. This included more than 500 senior decision-makers at organisations across the UK.

The research shows that 55% of consumers would allow an AI agent to make an autonomous purchase on their behalf. This willingness rises to 70% among 25 to 39-year-olds.

Vijay Mehta, General Manager AI at Experian Software Solutions, explains that agentic AI will reshape financial services by changing how decisions are made. 

He says: “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.”

A multi-year partnership with ServiceNow

ServiceNow has become the first partner to integrate with the Agent Operating System. 

Through a multi-year partnership, ServiceNow AI agents will connect with the Experian Ascend Platform, allowing customers to access trusted data and decisioning capabilities within existing enterprise workflows.

Cedric Parent, GVP Global Industries at ServiceNow, explains that tightening regulations and rising fraud complexity put immense pressure on financial institutions. 

He says: “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.”

Delivering automated lending workflows

The Agent Operating System bridges the gap between AI ambition and operational reality by supporting the full lending lifecycle from customer acquisition and fraud detection to credit decisioning. 

It will be available to early adopters later this year, before rolling out to more than 2,300 client solutions globally. 

The technology combines advanced analytics and identity verification with built-in risk management.

The platform coordinates multiple AI tools to execute complex business strategies. It provides financial firms with five core operational capabilities:

• A trusted agentic operating layer: Provides identity, access control, data security, compliance guardrails and governance controls to ensure safe operation
   
• Composability: Allows Experian, client-built and partner agents to work together without organisations having to replace existing technology
   
• Agent-native decisioning: Utilises purpose-built agents across fraud, credit risk and compliance that investigate and optimise workflows rather than simply responding to prompts
   
• Embedded governance by design: Builds model risk management, explainability, audit trails and policy enforcement into agentic workflow
   
• Productivity at scale with human oversight: Automates investigation, strategy execution and documentation while retaining human validation for high-impact outcomes.

Financial institutions can use these pillars to transition from fragmented manual processes to real-time credit approvals.

The system ensures every automated decision remains transparent and fully auditable.