What technology platforms and partners does FNBO run on?
FNBO's technology stack is assembled from partners, and the ones named in public sources cluster on AWS. Its partner-reporting team moved about 600 reporting objects into about 60 Amazon QuickSight dashboards on a Snowflake data warehouse for more than 90 card partners and over 90,000 users (December 2024), and its financial-crime agents from Nasdaq Verafin run on AWS Bedrock. Commercial banking uses Q2's PrecisionLender and Premium Treasury Pricing for relationship pricing (September 2024) and Derivative Path's cloud-based DerivativeEDGE platform for rates hedging and, from 2024, FX payments for correspondent banks. On the card and consumer side, FNBO is the 15th-largest US card issuer by its own account; Prove verifies identity at co-branded card onboarding (August 2025), Pindrop protects the phone channel, Upstart supplied AI personal lending, and EXL and Skeps helped build a buy-now-pay-later product in 2021. In payments it is the originating bank for dhango's embedded-payments middleware (January 2026) and added MediStreams for healthcare remittances (April 2026). FNBO does not name its core-banking provider, a large-language-model supplier or its technology spend.[1][2][3][4][5][6][7][8][9][10]
Data as of Oct 16, 2026 · FNBO profile updated Oct 13, 2026 · 14 sources cited on this page · 140 banks profiled on this site · Markdown
Which technology partners has FNBO named?
| Partner | Area | What it does at FNBO | Since |
|---|---|---|---|
| Amazon Web Services (QuickSight) and Snowflake | Data and reporting | About 600 reporting objects consolidated into about 60 dashboards with row-level security for 90,000-plus users; Amazon Q in QuickSight named as a later option | December 2024[1] |
| Nasdaq Verafin (on AWS Bedrock) | AML and fraud | AML and fraud analytics, plus enhanced-due-diligence and sanctions agents | Agents 2026[2] |
| Q2 (PrecisionLender, Premium Treasury Pricing) | Commercial pricing | One view of loans, deposits and treasury services for relationship pricing | September 2024[3] |
| Derivative Path (DerivativeEDGE) | Rates and FX | Cloud-based platform for the rates hedging program; FX payments for correspondent-bank clients | May 2024[4] |
| Prove (Pre-Fill) | Identity | Identity verification at co-branded card application | August 2025[5] |
| Pindrop (Protect, Fraud Assist) | Phone-channel fraud | Call-fraud platform with a generative-AI case add-on | March 2026 (Fraud Assist)[6] |
| Upstart | Consumer lending | AI personal-loan platform; pilot 2019, nationwide 2021 | 2019[11][7] |
| EXL and Skeps | Point-of-sale finance | Built FNBO's buy-now-pay-later product for merchant partners, loans from a few weeks to 10 years | September 2021[8] |
| dhango | Embedded payments | FNBO is originating bank for ACH, check and card payments on dhango's middleware | January 2026[9] |
| MediStreams | Healthcare payments | Remittance conversion and automated payment posting; not described as AI | April 2026[10] |
How large are the operations FNBO's technology supports?
| Measure | Value | As of |
|---|---|---|
| Card partners served by partner reporting | More than 90; FNBO describes itself as the 15th-largest US card issuer | December 2024[1] |
| Group assets and employees | Over $30 billion and 5,000 employees | September 2024[3] |
| Total assets (First National of Nebraska) | $34.9 billion; record net income $533 million | December 31, 2025[12] |
| Financial-crime investigators and analysts | 15 | June 2026[2] |
What does FNBO not disclose about its technology?
FNBO names no core-banking provider, no large-language-model supplier for internal generative AI and no hyperscaler contract beyond the AWS services in its own guest post. Technology spend is not published; as a private bank it files no 10-K.[1][12]
Integration is the near-term load: Blue Ridge's eight branches convert in early 2027 and InBankshares' in the second half of 2027, adding customers and data to these platforms.[13][14]
What does the FNBO profile record on this topic?
The rows below are the entries of the FNBO AI strategy profile that bear on this page, as of Oct 13, 2026; the profile holds the full record of 25 dated moves, 12 use cases and 26 sources.
| Use case | What the record shows | Status | Source |
|---|---|---|---|
| Pindrop Fraud Assist for card-fraud investigations | Agentic AI translates and summarises phone calls and generates case documentation for fraud analysts; Pindrop reports 35–40% less investigation time. | In production | [6] |
| Upstart AI consumer-lending pilot | AI-based lending software tested to expand access to credit, with the bank's normal credit policies (FICO, debt-to-income) embedded. | Pilot | [11] |
| Upstart AI personal loans (nationwide expansion) | Personal loans originated through Upstart's AI lending platform, with 78% approved instantly as of December 2021; the bank said it would extend the platform to affinity partners. Whether it still runs in 2026 is not public. | Rolling out | [7] |
| Prove Pre-Fill identity verification for co-branded cards | Identity verification at application for the co-branded card portfolio, aimed at faster onboarding and lower fraud. | In production | [5] |
| Scoped access and staged adoption for vendor AI agents | Agents hold the same access privileges a human would in the Verafin system, run on jobs that are easy to explain, and leave final decisions to investigators. | In production | [2] |
| dhango embedded payments as originating bank | FNBO is the originating depository institution for SaaS platforms using dhango, whose middleware handles merchant vetting and KYC/AML; the release cites FNBO's 20 years of experience serving third-party senders. | Announced | [9] |
| MediStreams payment and remittance automation for healthcare clients | Remittance conversion and automated payment posting added to FNBO healthcare banking; the release does not describe it as AI. | Announced | [10] |
| Partner dashboards with row-level security | Amazon QuickSight dashboards on a Snowflake warehouse let each of more than 90,000 users see only their own partner data; about 600 reports became about 60 dashboards. | In production | [1] |
| Date | Move | Detail | Source |
|---|---|---|---|
| Jun 24, 2026 | AI agents cut financial-crime investigation time by 50% | Nasdaq Verafin agents for EDD and sanctions triage, on AWS Bedrock. | [2] |
| Apr 20, 2026 | MediStreams healthcare payment automation agreement | Remittance conversion and automated payment posting for FNBO healthcare clients (the release does not call it AI). | [10] |
| Mar 18, 2026 | 2025 results: card charge-offs fall to 4.92% | Record revenue of $2.7 billion; principal charge-off rate on credit cards down from 5.52%; letter credits improved underwriting capabilities, technology and processes. | [12] |
| Mar 17, 2026 | Pindrop Fraud Assist agent cuts fraud-case time 35–40% | FNBO among the first customers; analyst accuracy +50%, case productivity +42% without new headcount. | [6] |
| Jan 27, 2026 | dhango embedded-payments partnership | FNBO acts as originating bank for ACH, check and card payments on dhango middleware, which carries automated KYC/AML and merchant vetting (payments, not an AI deployment). | [9] |
| Aug 27, 2025 | Prove Pre-Fill added to co-branded card onboarding | Identity verification by device possession, reputation flags and ownership; Brianne Stephan calls Prove an essential technology partner for growing the co-branded card portfolio. | [5] |
| Dec 9, 2024 | Partner reporting moves to Amazon QuickSight on Snowflake | About 600 reporting objects consolidated into about 60 dashboards for more than 90 card partners; over 90,000 users managed with row-level security; Amazon Q in QuickSight named as a later option. | [1] |
| Dec 8, 2021 | Upstart AI lending expanded nationwide | Pilot results met or exceeded expectations with a Net Promoter Score of 83; 78% of loans approved instantly; FNBO planned to use the platform for affinity partners. | [7] |
| Oct 21, 2019 | Upstart AI lending pilot nears completion; OCC briefed | Pilot begun in July lent tens of millions of dollars; FICO and debt-to-income kept in the model; OCC and examiners briefed. | [11] |
Does FNBO use AWS?
Yes. FNBO's own AWS blog post describes partner reporting on Amazon QuickSight over a Snowflake data warehouse, serving more than 90 card partners and 90,000-plus users, and its Nasdaq Verafin financial-crime agents run on AWS Bedrock. FNBO has not published a broader cloud contract.
Which large-language model does FNBO use?
FNBO has not named one. Its generative-AI uses come through vendors: Nasdaq Verafin's agents run on AWS Bedrock, which offers several models, and Pindrop's Fraud Assist uses generative AI to summarize calls. No internal model supplier has been disclosed.
What is FNBO's buy-now-pay-later product?
Launched in September 2021, it lets merchant partners offer point-of-sale financing from a few weeks to as long as 10 years. FNBO built it with EXL, an operations management and analytics company, and Skeps, a point-of-sale loan origination platform, with instant processing and loan approval backed by FNBO.
Who runs technology at FNBO?
Matthew S. Spyers is executive vice president and chief information officer. Erin Saxby, vice president of technology data services, leads the technology data teams and generative-AI strategy, and Jeff Weeks is chief information security officer.
- How FNBO revolutionized partner reporting with Amazon QuickSight
- How FNBO uses agentic AI to investigate financial crime
- Q2 Enables First National Bank of Omaha to Drive Stronger Team Collaboration and Client Engagement
- Derivative Path Expands Partnership with FNBO to Introduce Advanced FX Payments Solution for Correspondent Bank Clients
- Prove Partners with FNBO to Modernize Onboarding Experience
- Pindrop Unveils First Agentic Fraud Investigation Solution to Combat Surging AI-Driven Fraud
- First National Bank of Omaha Expands Personal Loans Powered by Upstart
- First National Bank of Omaha Launches 'Buy Now Pay Later' Solution Enabling Partners to Offer Flexible Financing Options at the Point of Sale
- dhango Partners with FNBO to Bring Fast, Scalable Embedded Payments to SaaS Platforms
- MediStreams to Enhance Healthcare Payment Automation and Reconciliation With FNBO
- The banks warming to AI-based lending
- 2025 Financial Summary
- FNBO Closes Acquisition of Blue Ridge Bank and Trust Co. in Kansas City
- No pause button: Omaha bank inks second M&A deal since June
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