Fiserv Launches agentOS: The Operating System for Agentic AI in Banking

Designed to help financial institutions safely deploy and scale AI agents 

agentOS marketplace to feature four inaugural Fiserv agents
and nine inaugural third-party agent partners

OpenAI and Amazon Web Services join as key collaborators

Fiserv, Inc. (NASDAQ: FISV) a leading global provider of payments and financial technology solutions, launched agentOS, an agentic AI operating system designed to help financial institutions deploy, manage, and scale AI agents across their banking workflows. Six financial institutions have partnered with Fiserv to co-develop agentOS, with two running agents in beta today. agentOS is expected to be widely available by August 2026.

Built to operate natively across Fiserv’s platforms—core, payments, issuer processing, and servicing—agentOS enables banks and credit unions to move beyond disconnected agentic pilots to an enterprise-grade deployment with policy controls, auditability and human oversight embedded in the design.

agentOS features the industry’s first agent marketplace built natively for banking workflows allowing financial institutions to access Fiserv-built agents, build their own, or deploy third-party agents within a controlled architecture. The marketplace will initially feature four Fiserv-built agents and nine third-party agents supporting tasks spanning risk management, regulatory reporting, deposit operations, and back-office reconciliation to bring agentic automation to the full breadth of banking workflows.

agentOS is supported by strategic collaborations with OpenAI and Amazon Web Services (AWS) to bring frontier AI to financial institutions at scale.

“AI will fundamentally reshape how financial institutions operate,” said Dhivya Suryadevara, Co-President of Fiserv. “agentOS is the first place where banks can run Fiserv’s agents, build their own, and deploy from a curated set of partners — all under the same governance, identity, and audit controls. The pilots are already proving it works — delivering measurable gains today, with six financial institutions co-developing the next wave with us.

Designed for Innovation—Built for Regulated Banking

Developed using AI-first engineering principles, agentOS combines enterprise-grade reliability with governance by design, including identity-bound execution, policy enforcement, observability and traceability. The platform allows financial institutions to deploy AI agents confidently across service, fraud, payments, compliance and growth workflows.

By integrating directly with Fiserv’s existing platforms, agentOS extends the value of a bank’s current technology investments while accelerating innovation across the institution.

The First Governed Agent Marketplace Built for Banking

Deployed through agentOS, the agentOS Marketplace allows financial institutions to access Fiserv-built agents, build their own, or deploy third-party agents in the same controlled, governed architecture.

agentOS will initially feature four Fiserv agents: Commercial Loan Onboarding, Daily Operational Analysis and Reporting, Agentic Deposit Intelligence, and Agentic AML Triage Analysis. Fiserv will expand its portfolio of first-party agents in the future, with a focus on other time-consuming workflows—including fraud, servicing, compliance, risk management, deposit operations, and growth.

Committed to fostering open ecosystems, Fiserv is also partnering on some of the most compelling agentic use cases for banks. Currently, nine third-party partners have joined through agentOS Marketplace, supporting use cases ranging from customer engagement and financial crimes compliance to deposit intelligence, regulatory compliance, dispute management, and reconciliation.

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Strategic Collaborators: OpenAI and Amazon Web Services

Fiserv is developing select first-party agents with OpenAI and partnering strategically to bring frontier reasoning into the workflows that move money across core, payments, issuer processing, and servicing.

“agentOS represents an important step toward helping financial institutions deploy AI agents in a secure, governed, and scalable way,” said Ashley Kramer, VP, Enterprise at OpenAI. “We’re glad to be working with Fiserv on this — bringing frontier AI into the banking workflows that matter most across servicing, compliance, fraud, payments, and operations.”

agentOS leverages Amazon Bedrock AgentCore to provide secure access to leading AI models, giving financial institutions flexibility as the technology evolves.

“Few industries set a higher bar for security, resilience, and accountability than banking. We’re proud that agentOS leverages Amazon Bedrock AgentCore — bringing enterprise-grade AI infrastructure, multi-model flexibility, and the global scale of AWS to every institution Fiserv serves. We look forward to seeing what Fiserv, its clients, and its ecosystem of partners will build on this foundation,” said Scott Mullins, Managing Director, Worldwide Financial Services at AWS.

Early Client Adoption

First Interstate Bank and Boulder Dam Credit Union are running pilots on agentOS today, with measurable results across commercial loan onboarding and operational reporting. Salem Five, City National Bank, Bank OZK, and SouthState are co-developing the next wave of agents with Fiserv, with deployments beginning this summer. Close collaboration with these institutions has been central to building an operating system that works for banks.

“As we aim to embed agentic AI into our operations, doing so within the controlled and governed architecture of Fiserv was critical to us,” said Steele Hendrix, President and CEO, Boulder Dam Credit Union. “Our initial use of a Daily Operational Analysis Agent is helping automate manual tasks, including cutting report times down from 10 minutes to a matter of seconds.”

“Delivery of an agentic operating system through our core allows us to simply integrate agentic tools into our daily workflows,” said Jim Reuter, President and CEO of First Interstate BancSystem, Inc. (FIBK). “Through a Commercial Loan Onboarding Agent pilot, we have been able to see early results—automating loan onboarding directly to our Fiserv core and reducing manual data entry and cycle times.”

With agentOS, Fiserv brings the scale, expertise, and trust financial institutions require to deploy agentic AI within a governed, audit-ready architecture and convert it into durable operational progress.

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