# First National Bank of Omaha (FNBO): Technology stack

Source: https://www.bankingnewsai.com/banks/fnbo/technology-stack
Last updated: Oct 16, 2026

*Part of the [First National Bank of Omaha (FNBO) AI strategy profile](https://www.bankingnewsai.com/banks/fnbo).*

## 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. ([AWS Business Intelligence Blog (guest post by FNBO)](https://aws.amazon.com/blogs/business-intelligence/how-fnbo-revolutionized-partner-reporting-with-amazon-quicksight), [American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime), [Q2 Holdings (Business Wire)](https://businesswire.com/news/home/20240910636029/en/Q2-Enables-First-National-Bank-of-Omaha-to-Drive-Stronger-Team-Collaboration-and-Client-Engagement), [Derivative Path (Business Wire)](https://businesswire.com/news/home/20240530102706/en/Derivative-Path-Expands-Partnership-with-FNBO-to-Introduce-Advanced-FX-Payments-Solution-for-Correspondent-Bank-Clients), [Prove (Business Wire)](https://www.businesswire.com/news/home/20250827382137/en/Prove-Partners-with-FNBO-to-Modernize-Onboarding-Experience), [Pindrop (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/03/17/3257231/0/en/pindrop-unveils-first-agentic-fraud-investigation-solution-to-combat-surging-ai-driven-fraud.html), [FNBO and Upstart (Business Wire)](https://www.businesswire.com/news/home/20211208005384/en/First-National-Bank-of-Omaha-Expands-Personal-Loans-Powered-by-Upstart), [FNBO (Business Wire)](https://businesswire.com/news/home/20210921005101/en), [dhango (Business Wire)](https://businesswire.com/news/home/20260127944808/en/dhango-Partners-with-FNBO-to-Bring-Fast-Scalable-Embedded-Payments-to-SaaS-Platforms), [MediStreams (Business Wire)](https://businesswire.com/news/home/20260420251113/en/MediStreams-to-Enhance-Healthcare-Payment-Automation-and-Reconciliation-With-FNBO))

## Which technology partners has FNBO named?

| Partner | Area | What it does at FNBO | Since | Sources |
| --- | --- | --- | --- | --- |
| 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 | [AWS Business Intelligence Blog (guest post by FNBO)](https://aws.amazon.com/blogs/business-intelligence/how-fnbo-revolutionized-partner-reporting-with-amazon-quicksight) |
| Nasdaq Verafin (on AWS Bedrock) | AML and fraud | AML and fraud analytics, plus enhanced-due-diligence and sanctions agents | Agents 2026 | [American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime) |
| Q2 (PrecisionLender, Premium Treasury Pricing) | Commercial pricing | One view of loans, deposits and treasury services for relationship pricing | September 2024 | [Q2 Holdings (Business Wire)](https://businesswire.com/news/home/20240910636029/en/Q2-Enables-First-National-Bank-of-Omaha-to-Drive-Stronger-Team-Collaboration-and-Client-Engagement) |
| Derivative Path (DerivativeEDGE) | Rates and FX | Cloud-based platform for the rates hedging program; FX payments for correspondent-bank clients | May 2024 | [Derivative Path (Business Wire)](https://businesswire.com/news/home/20240530102706/en/Derivative-Path-Expands-Partnership-with-FNBO-to-Introduce-Advanced-FX-Payments-Solution-for-Correspondent-Bank-Clients) |
| Prove (Pre-Fill) | Identity | Identity verification at co-branded card application | August 2025 | [Prove (Business Wire)](https://www.businesswire.com/news/home/20250827382137/en/Prove-Partners-with-FNBO-to-Modernize-Onboarding-Experience) |
| Pindrop (Protect, Fraud Assist) | Phone-channel fraud | Call-fraud platform with a generative-AI case add-on | March 2026 (Fraud Assist) | [Pindrop (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/03/17/3257231/0/en/pindrop-unveils-first-agentic-fraud-investigation-solution-to-combat-surging-ai-driven-fraud.html) |
| Upstart | Consumer lending | AI personal-loan platform; pilot 2019, nationwide 2021 | 2019 | [American Banker](https://www.americanbanker.com/news/the-banks-warming-to-ai-based-lending), [FNBO and Upstart (Business Wire)](https://www.businesswire.com/news/home/20211208005384/en/First-National-Bank-of-Omaha-Expands-Personal-Loans-Powered-by-Upstart) |
| 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 | [FNBO (Business Wire)](https://businesswire.com/news/home/20210921005101/en) |
| dhango | Embedded payments | FNBO is originating bank for ACH, check and card payments on dhango's middleware | January 2026 | [dhango (Business Wire)](https://businesswire.com/news/home/20260127944808/en/dhango-Partners-with-FNBO-to-Bring-Fast-Scalable-Embedded-Payments-to-SaaS-Platforms) |
| MediStreams | Healthcare payments | Remittance conversion and automated payment posting; not described as AI | April 2026 | [MediStreams (Business Wire)](https://businesswire.com/news/home/20260420251113/en/MediStreams-to-Enhance-Healthcare-Payment-Automation-and-Reconciliation-With-FNBO) |

## How large are the operations FNBO's technology supports?

| Measure | Value | As of | Sources |
| --- | --- | --- | --- |
| Card partners served by partner reporting | More than 90; FNBO describes itself as the 15th-largest US card issuer | December 2024 | [AWS Business Intelligence Blog (guest post by FNBO)](https://aws.amazon.com/blogs/business-intelligence/how-fnbo-revolutionized-partner-reporting-with-amazon-quicksight) |
| Group assets and employees | Over $30 billion and 5,000 employees | September 2024 | [Q2 Holdings (Business Wire)](https://businesswire.com/news/home/20240910636029/en/Q2-Enables-First-National-Bank-of-Omaha-to-Drive-Stronger-Team-Collaboration-and-Client-Engagement) |
| Total assets (First National of Nebraska) | $34.9 billion; record net income $533 million | December 31, 2025 | [First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf) |
| Financial-crime investigators and analysts | 15 | June 2026 | [American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime) |

## 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. ([AWS Business Intelligence Blog (guest post by FNBO)](https://aws.amazon.com/blogs/business-intelligence/how-fnbo-revolutionized-partner-reporting-with-amazon-quicksight), [First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf))

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. ([FNBO (Business Wire)](https://businesswire.com/news/home/20261001777849/en/FNBO-Closes-Acquisition-of-Blue-Ridge-Bank-and-Trust-Co.-in-Kansas-City), [American Banker](https://americanbanker.com/news/no-pause-button-omaha-bank-inks-second-m-a-deal-since-june))

## What does the FNBO profile record on this topic?

| Date | Move | Detail | Sources |
| --- | --- | --- | --- |
| Jun 24, 2026 | AI agents cut financial-crime investigation time by 50% | Nasdaq Verafin agents for EDD and sanctions triage, on AWS Bedrock. | [American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime) |
| 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). | [MediStreams (Business Wire)](https://businesswire.com/news/home/20260420251113/en/MediStreams-to-Enhance-Healthcare-Payment-Automation-and-Reconciliation-With-FNBO) |
| 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. | [First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf) |
| 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. | [Pindrop (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/03/17/3257231/0/en/pindrop-unveils-first-agentic-fraud-investigation-solution-to-combat-surging-ai-driven-fraud.html) |
| 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). | [dhango (Business Wire)](https://businesswire.com/news/home/20260127944808/en/dhango-Partners-with-FNBO-to-Bring-Fast-Scalable-Embedded-Payments-to-SaaS-Platforms) |
| 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. | [Prove (Business Wire)](https://www.businesswire.com/news/home/20250827382137/en/Prove-Partners-with-FNBO-to-Modernize-Onboarding-Experience) |
| 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. | [AWS Business Intelligence Blog (guest post by FNBO)](https://aws.amazon.com/blogs/business-intelligence/how-fnbo-revolutionized-partner-reporting-with-amazon-quicksight) |
| 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. | [FNBO and Upstart (Business Wire)](https://www.businesswire.com/news/home/20211208005384/en/First-National-Bank-of-Omaha-Expands-Personal-Loans-Powered-by-Upstart) |
| 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. | [American Banker](https://www.americanbanker.com/news/the-banks-warming-to-ai-based-lending) |

## Common questions

### 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.
## Deeper on FNBO

- [How does FNBO use AI for fraud detection and credit decisions?](https://www.bankingnewsai.com/banks/fnbo/fraud-and-credit-ai)
- [What is FNBO's AI strategy, and who drives it?](https://www.bankingnewsai.com/banks/fnbo/ai-strategy)


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