What technology stack does First Interstate run?
First Interstate buys rather than builds. Its 2025 10-K says it outsources certain data processing, loan servicing, credit card issuance and deposit processing systems to third parties, and its core provider is Fiserv, which delivers the bank's first AI agent: a Commercial Loan Onboarding Agent on Fiserv's agentOS, launched May 14, 2026, that writes onboarding data directly into the Fiserv core. Beneath that layer, agentOS was developed with OpenAI and runs on Amazon Bedrock AgentCore, according to AWS; First Interstate has no direct contract with either on record. agentOS launched with 13 marketplace agents and was due for wide availability by August 2026. Treasury onboarding runs on Prolific Banking's On-Ramp, put into production in May 2026. On the client side, the 2025 annual report counts more than 55 million online and mobile banking sessions in the year, over 40 million of them mobile app logins, and lists 2026 work on faster payments, fraud and security protections, improved online account opening and next-generation interfaces. A 'one clean data source' consolidation was due to finish in early summer 2026. Oversight sits with CIO Lori Meyer, a board Technology, Innovation and Operations Committee and, since September 2026, COO Jeff Lee.[1][2][3][4][5][6][7][8][9][10]
Data as of Oct 16, 2026 · First Interstate profile updated Oct 13, 2026 · 13 sources cited on this page · 140 banks profiled on this site · Markdown
Which platforms and vendors make up First Interstate's stack?
As named by the bank, its vendors and its filings. Contract terms are not public.
| Layer | What it does | Vendor | Status |
|---|---|---|---|
| Core and processing | Outsourced data processing, loan servicing, credit card issuance and deposit processing systems; the Fiserv core receives onboarding data from the agent | Fiserv and other third parties | In production[1][3] |
| Agent platform | agentOS: policy controls, auditability and human oversight; four Fiserv agents (commercial loan onboarding, daily operational analysis and reporting, deposit intelligence, AML triage) and nine third-party agents at launch | Fiserv | Pilot at First Interstate since May 2026; wide availability due August 2026[5][3][2] |
| Models and agent runtime (indirect) | agentOS developed in collaboration with OpenAI and run on Amazon Bedrock AgentCore | OpenAI, AWS (through Fiserv) | No direct First Interstate contract disclosed[4][5] |
| Treasury onboarding | On-Ramp automated enrollment of cash-management clients, reducing redundant implementation tasks | Prolific Banking | In production since May 19, 2026[6] |
| Digital banking | Online and mobile banking; business clients migrated to Online Business Banking in 2025; Zelle, mobile deposit and card-management upgrades | Not named | In production[7] |
| Data | 'One clean data source' consolidation to support technology initiatives including AI | Not named | Due early summer 2026[8] |
What has First Interstate reported about its digital channels and plans?
From the 2025 annual report to shareholders and the 2026 earnings calls.
| Item | Figure or plan | Period |
|---|---|---|
| Lending technology | Exited indirect auto lending, partnered out consumer credit cards and leaned into technology that gives a midsize bank larger lending capabilities (Banking Dive) | September 2025[11] |
| Online and mobile banking sessions | More than 55 million combined, including over 40 million mobile app logins | 2025[7] |
| Digital account opening | A milestone in November 2025, with improvement in accounts opened online | November 2025[7] |
| 2026 digital roadmap | Refreshed branding, next-generation user interface, expanded real-time capabilities, faster payments, additional fraud and security protections, improved online account opening | 2026[7] |
| Online account opening and Zelle | Improvements the CEO said produced 'positive results' | Q1 2026[8] |
| Digital engagement and data | Improved digital engagement; further investment in data management to leverage new technology | Q2 2026[12] |
Who oversees First Interstate's technology, and what risks does it flag?
Lori Meyer, chief information officer since June 2023, is a named executive officer; chief information security officer Dale Daugherty reports incidents to the chief risk officer, the CIO and the board Risk Committee; and the board's Technology, Innovation and Operations Committee, chaired by Joyce Phillips, reviews technology and innovation investment. Jeff Lee, who ran digital and then operations and technology at Seacoast, became chief operations officer on September 14, 2026, and former Microsoft COO Kevin Turner joined the board in July 2026.[9][1][10][13]
The 10-K warns that reliance on vendors brings supply-chain cyber risk the bank can only partly mitigate, and that attackers may use AI and machine learning. With the core, the agent platform and, indirectly, the model provider and cloud runtime all reached through Fiserv, the concentration is on the record even though the bank has not quantified it.[1][4]
What does the First Interstate profile record on this topic?
The rows below are the entries of the First Interstate AI strategy profile that bear on this page, as of Oct 13, 2026; the profile holds the full record of 25 dated moves, 11 use cases and 27 sources.
| Use case | What the record shows | Status | Source |
|---|---|---|---|
| Agentic AI for commercial loan onboarding (Fiserv agentOS) | Cuts manual data entry and cycle times across multiple systems. | Pilot | [2] |
| 'One clean data source' consolidation | Data foundation for AI and other technology initiatives. | Rolling out | [8] |
| Core-delivered AI with bank-grade controls | Fiserv platform controls for policy, governance, auditability and recordkeeping. | Pilot | [2] |
| Prolific Banking On-Ramp treasury onboarding | Automated enrollment of cash-management customers, reducing manual work and redundant implementation tasks. | In production | [6] |
| Board Technology, Innovation and Operations Committee | One of five standing committees; chaired by Joyce Phillips, met four times in 2025 and reviews technology and innovation investment, while the proxy risk map lists model and third-party risk. | In production | [9] |
| Model supply chain beneath Fiserv agentOS | agentOS was developed with OpenAI and runs on Amazon Bedrock AgentCore, according to AWS and American Banker; the bank has disclosed no direct contract with either. | Pilot | [4][2] |
| Date | Move | Detail | Source |
|---|---|---|---|
| May 19, 2026 | Automated treasury-management enrollment in production | Prolific Banking On-Ramp automates onboarding of cash-management customers. | [6] |
| May 14, 2026 | AWS release: agentOS runs on Amazon Bedrock AgentCore | According to AWS, Fiserv runs agentOS on Amazon Bedrock AgentCore with OpenAI as a collaborator; First Interstate Bank is named as one of two pilot clients, across commercial loan onboarding and operational reporting. | [4] |
| May 14, 2026 | Fiserv release names First Interstate an agentOS pilot bank | First Interstate and Boulder Dam Credit Union run pilots 'with measurable results'; four more banks co-develop the next agents. | [3] |
| May 14, 2026 | Fiserv agentOS: commercial loan onboarding agent in pilot | One of six banks co-developing agents with Fiserv and OpenAI. | [2] |
| Apr 30, 2026 | Q1 2026 call: flatter organisation, data consolidation for AI | 'One clean data source' due early summer; online account opening and Zelle improved. | [8] |
| Apr 16, 2026 | 2026 proxy: technology committee and CIO named | Five standing board committees including Technology, Innovation and Operations (four meetings in 2025); Lori Meyer is a named executive as CIO; the risk-oversight map lists model risk, third-party risk and technology investment. | [9] |
Who is First Interstate's core banking provider?
Fiserv. First Interstate's AI pilot automates commercial loan onboarding 'directly to our Fiserv core', in CEO Jim Reuter's words in Fiserv's May 14, 2026 release, and the 2025 10-K says the bank outsources certain data processing, loan servicing, credit card issuance and deposit processing systems to third parties.
Does First Interstate use OpenAI or AWS?
Only indirectly, as far as the record shows. Fiserv's agentOS, on which First Interstate pilots its loan onboarding agent, was developed in collaboration with OpenAI and runs on Amazon Bedrock AgentCore, according to AWS and Investing.com's summary of Fiserv's release. First Interstate has not disclosed a direct contract with either company.
How much do First Interstate's customers use digital banking?
The 2025 annual report to shareholders says clients logged more than 55 million combined online and mobile banking sessions in 2025, including over 40 million mobile app logins, and that business clients were migrated to Online Business Banking during the year. Planned 2026 work includes faster payments, more fraud and security protections and improved online account opening.
Who runs technology at First Interstate?
Chief information officer Lori Meyer, in the role since June 2023, leads technology; Dale Daugherty is chief information security officer; and Jeff Lee, formerly Seacoast's chief digital officer and chief operations and technology officer, became chief operations officer on September 14, 2026. The board's Technology, Innovation and Operations Committee reviews technology investment, and former Microsoft COO Kevin Turner joined the board in July 2026.
- First Interstate BancSystem, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- Fiserv has co-created AI agents with six banks and OpenAI
- Fiserv Launches agentOS: The Operating System for Agentic AI in Banking
- Fiserv Launches agentOS: The Operating System for Agentic AI in Banking (according to AWS)
- Fiserv launches agentOS operating system for banking AI agents
- First Interstate Bank Moved Prolific Banking, Inc. On-Ramp Commercial Enrollment Solution into Production
- First Interstate BancSystem 2025 Annual Report to Shareholders (ARS)
- First Interstate BancSystem Q1 Earnings Call Highlights
- First Interstate BancSystem, Inc. 2026 Proxy Statement (DEF 14A)
- First Interstate BancSystem Form 8-K (Item 5.02: appointment of Chief Operations Officer)
- First Interstate CEO: Colorado 'a better opportunity' after PNC move
- Earnings call transcript: First Interstate beats Q2 2026 estimates as margin widens
- First Interstate BancSystem Form 8-K (Item 5.02: appointment of directors)
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