# Axos Financial: AI agents, dated

Source: https://www.bankingnewsai.com/banks/axos/ai-agents
Record last changed: Oct 19, 2026

6 dated AI-agent moves from Feb 19, 2025 to Aug 20, 2026; 5 agent use cases on the profile, 3 in production. Strategy page: https://www.bankingnewsai.com/banks/axos

## Agent use cases

| Use case | Stage | What it does |
|---|---|---|
| **AI-assisted software development** | In production | 90% of committed code AI-generated; agents for testing, automation and QC; development cost curve bending. |
| **OutSystems Agent Workbench agents** | In production | Error-log analysis and document data-entry agents in the consumer bank, built without specialised AI hires. |
| **AI risk-factor disclosure** | In production | 10-K covers agentic and generative AI, third-party model dependence, bias, explainability and evolving regulation. |
| **Arc 'Archie' CFO agent** | Rolling out | Agentic finance tools for small businesses via Arc. |
| **Ascendion AVA+ agents for Zenith** | Announced | AI-powered engineering, AI-enhanced features and self-healing algorithms on the Zenith platform for entertainment business managers. |

## Timeline

### Aug 2026

| Date | Move | Stage | Source |
|---|---|---|---|
| 2026-08-20 | **Fiscal 2026 10-K lists AI development and use as a risk factor** Agentic and generative AI, third-party models, explainability and evolving AI law. | In production | [SEC EDGAR, Aug 20, 2026](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000060/ax-20260630.htm) |

### May 2026

| Date | Move | Stage | Source |
|---|---|---|---|
| 2026-05-05 | **Hearn: 300 AI testers cut to a team of five to seven** At the AI Agent Conference in New York, Kevin Hearn said giving 300 staff an AI agent produced 300 different results, so a small central team now tests agents and governs them. Axos builds business-analyst, Scrum Master and engineering agents on OutSystems Agent Workbench. | In production | [AI Business, May 5, 2026](https://aibusiness.com/agentic-ai/enterprises-contain-agents-balance-risk-reward) |

### Sep 2025

| Date | Move | Stage | Source |
|---|---|---|---|
| 2025-09-30 | **In OutSystems' Agent Workbench early-access programme** Agents for error-log analysis and document data entry; 'a significant step in our AI strategy'. | In production | [OutSystems (Business Wire), Sep 30, 2025](https://businesswire.com/news/home/20250930527578/en/OutSystems-Announces-General-Availability-of-Agent-Workbench-Empowering-Enterprises-to-Drive-Business-Impact-with-Agentic-Systems) |

### Aug 2025

| Date | Move | Stage | Source |
|---|---|---|---|
| 2025-08-21 | **FY2025 10-K already named agentic AI as a risk** The risk factor on development and use of AI cites agentic AI, third-party models and AI-enabled fraud; full-time employees rose to 1,989 from 1,781. | In production | [SEC EDGAR, Aug 21, 2025](https://www.sec.gov/Archives/edgar/data/1299709/000129970925000125/ax-20250630.htm) |

### Jul 2025

| Date | Move | Stage | Source |
|---|---|---|---|
| 2025-07-30 | **Q4 FY2025 call: AI reads loan covenants; cap on personnel cost growth** Garrabrants described an agent that extracts covenants from commercial loan agreements for attorney review and loads them into the originations system, an AI task force, and a target that personnel and professional-services cost growth not exceed 30% of income growth. | Announced | [The Motley Fool (Yahoo Finance), Jul 30, 2025](https://finance.yahoo.com/markets/stocks/articles/axos-financial-ax-q4-2025-032614266.html) |

### Feb 2025

| Date | Move | Stage | Source |
|---|---|---|---|
| 2025-02-19 | **Ascendion to apply AI-powered engineering to the Zenith platform** Zenith is an all-in-one accounting, cash-management, bill-pay and payroll platform for entertainment business managers. Ascendion's AVA+ platform of AI agents is to raise developer productivity, alongside AI-enhanced features and self-healing algorithms. | Announced | [Ascendion (PR Newswire), Feb 19, 2025](https://www.prnewswire.com/news-releases/ascendion-and-axos-bank-partner-to-revolutionize-digital-banking-302379008.html) |

---

Canonical page: https://www.bankingnewsai.com/banks/axos/ai-agents
Part of [BankingNewsAI](https://www.bankingnewsai.com/). Every row is a dated, sourced entry on a bank profile on this site; the stage is the one the bank describes. Index of Markdown pages: https://www.bankingnewsai.com/llms.txt.