FISFidelity National Information Services, Inc.

“Our first agent focuses on financial crimes, one of the most urgent and costly challenges for banks today, with an estimated $2 trillion in illicit funds moving through the global financial system, creating a $35 billion to $40 billion spend across the industry. BMO and Amalgamated Bank are our design partners for this first agent. The co-built agent will automate the evidence gathering and analysis, reducing investigation time from days to minutes. Our goals are to significantly reduce cost per case and decrease low-value manual work.”

“we implemented Copilot last year and are continuing to see a significant amount of productivity lifts in our engineering organization, we're really using that to continue to fuel new product development. We have been spending a bunch of time internally as well in our own client contact center and how do we think about, first and foremost, creating and delivering a better client experience, but also getting after productivity and workflows that are our own internal process workflows and how to drive operational improvements out of that.”

“we would expect this agent and then other agents to be in the market in the back half of 2026. As you can imagine, this is a really, really complicated space and has to be tested quite deeply so that it gets the exact answers correct from a compliance and regulatory standpoint. So nothing is contemplated in our guide in 2026. We would expect to see revenue come forward as we deploy those agents into the market in '26, but we'd expect to see revenue really take shape in 2027.”

“co-built financial crimes agent for financial institutions, combining Anthropic's frontier AI capabilities with FIS' scale, data and regulatory expertise, with the engineering knowledge transferring to FIS to build the agents that come next. This is a deeply collaborative model with Anthropic's forward-deployed engineers embedded alongside ours to design and build this agent from the ground up and enable us to scale them across our platform.”

“Our financial crimes investigation agents are our first proof point and operate end-to-end across the full financial crimes life cycle. It plans, decides and acts in alignment with regulatory requirements and governance frameworks. This same architecture and the same orchestration is what will power every agent that follows across credit, fraud, onboarding and beyond, regardless of the LLM model used.”

“we've already used AI to make the conversion from one core to another go faster. So I would say that's one place. The actual -- once you've decided to change your core, I do think the ability to move cores, we can go faster, which is fantastic. That's very exciting for a lot of our banks that are acquiring other banks. Haven't yet seen an actual AI-enabled full core that a bank could use.”

“in terms of can they use our -- this capability and then go disintermediate us, absolutely not. So these are our agents. They are owned by us. Anthropic gets paid based on the token usage of the agents. We own all of the IP and we own the distribution. So think about them -- I mean, they're unique because of their fantastic LLM models, but think of them like a cloud provider.”

“This is why AI leaders like Anthropic choose to collaborate with us. We sit on 73 billion annual payment transactions across approximately 1.1 billion accounts on file. And now the FIS data and AI platform brings those datasets together as fuel for a real-time AI-native future.”

“we have a very exciting enterprise agreement with Anthropic. The thing that's -- just like many others, the thing that's very unique about this is us jointly where they're contributing their forward-deployed engineers with us to build agents. So that's what makes it unique and very exciting. I think as you think about, like I said, ultimately, the build of these agents, they are FIS' agents as we deploy them. We will price them like all agents are priced. We have to work that out still. But the value to Anthropic of the agreement and the capabilities is really obviously to get more financial institutions using the agent and using their LLM and ultimately taking on the value of their LLM through tokens.”

“you can do AI if you're a very large financial institution, you can afford to partner up with Anthropic and take on that cost. When you get much below there, and this is why we're very excited about our partnership, and it's not much below there, you actually can't afford to spend all your money on this technology. And so they are looking -- and you're looking for us to help you really think about how do you deploy it in a regulated way? How is it auditable? How is it traceable? How do they make sure they can do it to take out the cost, but also how are they think -- what are regulators thinking about what they're going to do with it? So demand is really strong.”

“we are planning the forward-deployed engineers that we're getting from Anthropic where we learn shoulder to shoulder. Not only will we be using those learnings for new agents and new product development, we'll also be using those learnings and putting them into our back office. So I'm very excited to see how we can take a trained FDE group now leaning into what Anthropic is going to teach us and not only accelerate agents, but also how do we accelerate internally making sure that we're focused on not just productivity and cost, but how do we create better outcomes for our clients either in technology or in our client organizations.”

“Orchestrated intelligence is how we describe the way FIS brings AI to life in banking as a coordinated architecture where models, data, governance and workflow operate together in a way no single technology provider can replicate alone. The word orchestrated is intentional. Anyone can deploy an AI model. What's hard and what FIS uniquely provides is the orchestration layer, connecting Frontier AI to system of record data, routing it through bank-grade compliance infrastructure and delivering it through the trusted relationships we have with financial institutions and regulators around the world.”

“banks are looking for us to develop the agents and deploy for them. They're not looking to own agents themselves. I mean even the large banks would be very happy, and we've talked to them about the financial crimes agent because where they would like to spend time on their AI is their own internal processes where we don't make any sense to help them.”

“This is the beginning of a broader road map of purpose-built agents across the banking life cycle, spanning credit decisioning, deposit retention, customer onboarding and fraud prevention available to our clients through a single governed data and AI platform.”

“We also unveiled a number of new solutions, including our new data and AI platform, our new digital asset platform, Lyriq, and Project Keystone, our new tokenized deposit bank-owned network that includes 5 U.S. banks.”