What should a bank look for in AI banking platforms software?
Banking-platform AI is the AI built into the core, digital-banking and loan-origination systems a bank already runs: agents and assistants from Fiserv, FIS, Jack Henry, Q2, nCino, Temenos, Backbase and Alkami. For most community and regional banks this is the most likely route to AI in production, bought as an add-on to an existing contract. The questions that separate providers are what is generally available versus announced, pricing for the AI modules, data access for the bank's own models, and lock-in.
Observations from how these products are sold and regulated, not advice.
01
Generally available versus announced
Platform providers announce agent frameworks well ahead of general availability. Check which features other banks run in production today.
02
Price of the AI add-on
AI modules are usually priced on top of the existing platform contract, per account or per user. Ask for the price at renewal.
03
Your data, your models
Check whether you can use your own models and data alongside the provider's, or only the provider's AI.
Which rules apply to a bank using AI banking platforms software?
| Rule | Why it applies | Documents |
|---|---|---|
| Third-party risk management | Core and digital providers are among a bank's most critical third parties; AI features inherit that relationship. | OCC Bulletin 2023-17 SR 23-4 FDIC FIL-29-2023 |
| Model risk management | Models embedded in platform products are vendor models under SR 26-2. | SR 26-2 OCC Bulletin 2026-13 |
Documents link to the Regulation tracker. By use case: Generative & agentic AI · Third-party & vendor AI · Customer-facing chatbots.
How do the AI banking platforms vendors compare?
| Vendor | What it does | Deployment | Pricing model | Published price | US bank customers* | Founded · ownership |
|---|---|---|---|---|---|---|
| ACI Worldwide | Payments software for banks: real-time and card payment processing (ACI Connetic, BASE24) with AI fraud management. | SaaS or PaaS (ACI private cloud or public cloud) or on-premises licence; ACI Fraud Management also runs multi-tenant, in the public cloud or on-premises | Software licence plus maintenance, or SaaS/PaaS subscription; priced by the solutions taken and transaction volumes, generally with multi-year minimum terms | Not published | 4 | 1975 · NASDAQ: ACIW |
| Fiserv | Core, card and payments provider adding AI to its platforms: agentOS agents for bank workflows, AI card-fraud decisioning. | Add-on to Fiserv core, payments and card-processing platforms (outsourced service or client-installed) | Account- and transaction-based fees under multi-year platform contracts; agentOS agents bought with credits spent per query, per outcome or by subscription (no figures). | Not published | 3 | 1984 · NASDAQ: FISV |
| FIS | Core, digital and card-processing provider adding AI agents (an Anthropic-built AML agent), AI card-fraud tools and AI lending tools. | Hosted by FIS (account- or transaction-based processing, SaaS, BPaaS, cloud) or licensed software; AI agents run inside FIS-controlled infrastructure | Recurring account-, transaction- or user-based processing fees plus software licences and services; AI add-ons not priced publicly | Not published | 0 | 1968 · NYSE: FIS |
| Jack Henry | Core, digital (Banno), payments and fraud platforms for community banks and credit unions, adding AI via Google Cloud's Gemini. | Private cloud (hosted), public cloud or on-premises core and processing services; digital banking as SaaS | Long-term processing, hosting and licence contracts; service fees fixed or variable by volume, often tiered, billed monthly (per the 10-K). | Not published | 2 | 1976 · NASDAQ: JKHY |
| Q2 | Digital banking, fraud (Centrix) and relationship-pricing platform for US banks, with an AI agent layer (Q2 Assistant) and ML fraud models. | SaaS (subscription; risk and fraud tools also sold standalone to institutions not on the Q2 platform) | Subscription, priced by the number of solutions bought and the number of registered users, with extra fees for users and transactions above the standard subscription (per the 10-K). | Not published | 1 | 2005 · NYSE: QTWO |
| nCino | Cloud lending and onboarding platform for banks with gen-AI (Banking Advisor), role-based AI agents (Digital Partners) and credit analytics. | SaaS (built on the Salesforce Platform, with AWS as a cloud and AI infrastructure layer) | Subscriptions priced on the assets of the business lines the platform supports (replacing seat-based pricing from fiscal 2025), plus AI Intelligence Units sold in bundles. | Not published | 5 | 2011 · NASDAQ: NCNO |
| Temenos | Swiss core, digital, payments and wealth banking software with embedded AI copilots, a sanctions-screening AI agent and explainable AI. | SaaS, public or private cloud, hybrid, or on-premises | Subscription licences, SaaS and term licences, with maintenance billed separately; the 2025 annual report lists volume-based pricing aligned to banks' growth. | Not published | 0 | 1993 · SIX: TEMN |
| Backbase | AI-native Banking OS layered over a bank's core for channels, staff and AI agents; owns Kasisto's conversational AI since June 2026. | Platform layer above the bank's existing core, payments, cards, risk and CRM systems; delivered directly and through partners | Sales-led enterprise platform contracts; not published. | Not published | 1 | 2003 · Private and founder-led |
| Alkami | Digital banking, account opening (MANTL) and data-marketing platform for US banks and credit unions, with predictive AI models. | SaaS (multi-tenant cloud platform, sold on multi-year subscription contracts) | Multi-year SaaS subscriptions, predominantly priced per registered user, with incremental fees above contractual client minimums (per the 10-K). | Not published | 0 | 2009 · NASDAQ: ALKT |
| Finastra | Bank software for lending (Loan IQ, LaserPro, Mortgagebot) and payments (Global PAYplus), with AI add-ons for payment repair. | On-premises, hosted or cloud (SaaS for LaserPro cloud and Payments To Go); OperatorAssist is an add-on to Global PAYplus and Payments To Go | Sales-led enterprise software licences and cloud subscriptions, scoped per product | Not published | 4 | 2017 · Private |
* Banks among the 120 largest US banks on this site publicly named as customers, each sourced on the vendor's page. Prices are shown only where the vendor publishes them for the AI product itself; a price for another product (a credit score, a notary plan, contact-centre seats) is listed on the vendor's page, not here. More vendors in this category are being researched.
NASDAQ: ACIW · founded 1975
ACI Worldwide
Sells banks, intermediaries, merchants and billers payments-processing software (card switching, real-time and account-to-account payments) with AI fraud management embedded, under long licence or SaaS/PaaS contracts; since 2025 it has been moving customers to its cloud-native ACI Connetic hub.
Banks among the 120: BMO, First Hawaiian, City National, Webster
NASDAQ: FISV · founded 1984
Fiserv
Sells core account processing, digital banking, card issuing and payments to banks and credit unions under multi-year contracts, and since May 2026 has sold AI on top of that installed base through agentOS, a governed agent platform built with OpenAI and AWS.
Banks among the 120: First Interstate, Bank OZK, SouthState
NYSE: FIS · founded 1968
FIS
Sells core banking, digital banking, card issuing and payments processing to banks under multi-year recurring contracts, and in 2026 is adding AI agents on top of that base -- starting with an AML investigations agent built with Anthropic -- delivered inside FIS-run infrastructure rather than as standalone AI products.
Banks among the 120: none named publicly yet
NASDAQ: JKHY · founded 1976
Jack Henry
Sells core processing, digital banking, payments and fraud tools to community and regional banks and credit unions under long-term processing and hosting contracts, and in 2026 is building AI features and agents on Google Cloud's Gemini Enterprise Agent Platform.
Banks among the 120: Simmons Bank, First United Bank
NYSE: QTWO · founded 2005
Q2
Sells banks and credit unions a subscription digital-banking platform priced on solutions bought and registered users, plus risk-and-fraud and relationship-pricing products, and in 2026 began embedding AI agents (Q2 Assistant) and an AI coding tool (Q2 Code) into that platform.
Banks among the 120: First Hawaiian
NASDAQ: NCNO · founded 2011
nCino
Sells banks and credit unions a cloud platform for commercial, small-business, consumer and mortgage lending, onboarding and account opening, now priced on the assets of the business lines it supports, with generative AI (Banking Advisor), role-based AI agents (Digital Partners) and AI usage units sold on top.
Banks among the 120: Zions, WaFd Bank, M&T, First Horizon, ConnectOne
SIX: TEMN · founded 1993
Temenos
Sells banks core, digital, payments, wealth and financial-crime software under subscription, SaaS or term licences plus maintenance, and is embedding AI copilots and agents into those products rather than selling a separate AI layer.
Banks among the 120: none named publicly yet
Private · founded 2003
Backbase
Sells banks and credit unions a platform that sits on top of their existing cores to run digital channels, employee workspaces and, since 2026, governed AI agents, and bought Kasisto in June 2026 to add banking-specific conversational and agentic AI.
Banks among the 120: JPMorgan
NASDAQ: ALKT · founded 2009
Alkami
Sells US banks and credit unions (not megabanks) a subscription digital-banking platform priced mostly per registered user, cross-selling MANTL account opening and a data-and-marketing product whose AI models score account holders for cross-sell and attrition.
Banks among the 120: none named publicly yet
Private · founded 2017
Finastra
Sells banks licensed and cloud software for corporate, commercial, consumer and mortgage lending and for payment processing, and since 2025 has sold off its treasury, US mid-market core and (pending) global core banking units to focus on payments and lending, adding AI tools such as OperatorAssist inside its payment hub.
Which core banking providers offer AI?
All the large US core and digital-banking providers have announced AI assistants or agent frameworks; the provider pages here separate what is generally available from what is announced, with sources.
Which AI banking platforms vendors are compared here?
ACI Worldwide (Payments software for banks: real-time and card payment processing (ACI Connetic, BASE24) with AI fraud management); Fiserv (Core, card and payments provider adding AI to its platforms: agentOS agents for bank workflows, AI card-fraud decisioning); FIS (Core, digital and card-processing provider adding AI agents (an Anthropic-built AML agent), AI card-fraud tools and AI lending tools); Jack Henry (Core, digital (Banno), payments and fraud platforms for community banks and credit unions, adding AI via Google Cloud's Gemini); Q2 (Digital banking, fraud (Centrix) and relationship-pricing platform for US banks, with an AI agent layer (Q2 Assistant) and ML fraud models); nCino (Cloud lending and onboarding platform for banks with gen-AI (Banking Advisor), role-based AI agents (Digital Partners) and credit analytics); Temenos (Swiss core, digital, payments and wealth banking software with embedded AI copilots, a sanctions-screening AI agent and explainable AI); Backbase (AI-native Banking OS layered over a bank's core for channels, staff and AI agents; owns Kasisto's conversational AI since June 2026); Alkami (Digital banking, account opening (MANTL) and data-marketing platform for US banks and credit unions, with predictive AI models); Finastra (Bank software for lending (Loan IQ, LaserPro, Mortgagebot) and payments (Global PAYplus), with AI add-ons for payment repair). Each has its own page with products, pricing, ownership and the banks among the 120 largest US banks that are named as customers. More vendors in this category are being added as their pages are researched and sourced.
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