NEW YORK – Fiserv Inc. saw its stock (NASDAQ: FISV) climb 3% after launching agentOS, an artificial intelligence operating system designed to help financial institutions deploy and manage AI agents, in a major collaboration with OpenAI and Amazon Web Services.
"AI will fundamentally reshape how financial institutions operate," Dhivya Suryadevara, Co-President of Fiserv, said in a statement. "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 new platform operates natively across Fiserv’s core banking, payments, and processing platforms and features an agent marketplace. The initial offering includes four Fiserv-built agents for tasks like Commercial Loan Onboarding and Agentic AML Triage Analysis, alongside agents from nine third-party partners, including Trulioo and Sardine. Six financial institutions have partnered with Fiserv for co-development, with agentOS expected to be widely available by August 2026.
This initiative aims to move banks from isolated AI pilots to enterprise-wide deployment with built-in governance and human oversight, addressing a key concern in the regulated financial industry. The collaboration leverages OpenAI for developing select agents and uses Amazon Bedrock AgentCore to provide secure access to leading AI models, ensuring flexibility as the technology evolves.
Early Adopters Report Efficiency Gains
Pilots are already underway with measurable results. First Interstate Bank is testing a Commercial Loan Onboarding Agent to automate manual data entry and reduce cycle times. "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.
Similarly, Boulder Dam Credit Union is using a Daily Operational Analysis Agent. CEO Steele Hendrix noted the agent is "cutting report times down from 10 minutes to a matter of seconds." Other banks co-developing the next wave of agents include Salem Five, City National Bank, Bank OZK, and SouthState.
Broader OpenAI Collaboration
The partnership extends beyond agentOS. Fiserv and OpenAI are also working to use AI to streamline software conversions and modernization projects, a traditionally time-consuming process for banks. Fiserv is also joining OpenAI's Trusted Access for Cyber program to enhance its security offerings.
"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," said Ashley Kramer, VP of Enterprise at OpenAI. The move positions Fiserv to compete with other financial technology vendors like FIS, which recently announced its own AI agent work with Anthropic, as the industry races to integrate AI into core operations.
This article is for informational purposes only and does not constitute investment advice.
