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.
What is FIS, and which banks use it?
FIS (NYSE: FIS), founded 1968 and based in Jacksonville, Florida, runs core, digital banking and card processing for thousands of financial institutions. Its main AI product is the Financial Crimes AI Agent, built with Anthropic and announced in May 2026; BMO (group-level, US scope not stated) is among the first in development with it, and general availability is planned for late 2026. FIS says it has 10 AI products in market with more than 200 live customers (vendor-reported). Pricing is not published; its 10-K describes volume- or account-based recurring fees.
Category
Founded
1968
Headquarters
Jacksonville, Florida, US
Ownership
Public (Fidelity National Information Services, Inc., NYSE: FIS; S&P 500). On January 9, 2026 it completed the acquisition of Global Payments' Issuer Solutions business (valued at $13.5 billion enterprise value) and the sale of its remaining Worldpay stake, paying about $7.7 billion in cash on top of the Worldpay interest.[9][8]
Deployment
Hosted by FIS (account- or transaction-based processing, SaaS, BPaaS, cloud) or licensed software; AI agents run inside FIS-controlled infrastructure
Pricing
Recurring account-, transaction- or user-based processing fees plus software licences and services; AI add-ons not priced publicly · not published
Banks among the 100
0
- The Financial Crimes AI Agent, announced May 4, 2026 with Anthropic, assembles AML case evidence, checks activity against known typologies and surfaces the highest-risk cases for investigator review; BMO and Amalgamated Bank are in development with it and FIS plans general availability in the second half of 2026. In September 2026 FIS said the agent was 'currently in pilot with core banking clients'.
- FIS reported on its August 4, 2026 earnings call that it had 10 AI products in market, more than 200 live customers and a pipeline of more than 500 opportunities (vendor-reported, per PYMNTS).
- Other AI in the portfolio: Policy Optimizer 2.0 (AI-driven credit-policy insights), AgentEdge (an AI banking-agent framework), SecurLOCK (an AI-powered card-fraud toolset) and Glia's AI service agents inside the Digital One online-banking platform.
- In January 2026 FIS closed its purchase of Global Payments' Issuer Solutions business (formerly TSYS, now FIS Total Issuing Solutions) and sold its remaining Worldpay stake, then launched an agentic-commerce offering for card issuers with Visa and Mastercard.
- Pricing is not published. The 2025 10-K says FIS's processing revenue is recurring and 'typically volume or activity based' -- by payments, transactions, accounts, trades or users -- with tiered structures that can include a minimum monthly fee.
- Reversals in 2026: Chief Product Technology Officer Firdaus Bhathena resigned effective March 20, 2026, and on August 4, 2026 FIS cut its pro forma revenue-growth outlook to 4.5-5.0% from 5.1-5.7%, citing its Capital Markets business; PYMNTS reported the stock fell 7% in early trading.
- FIS says its core banking platforms (Modern Banking Platform, Profile, Systematics, IBS and HORIZON) serve over 500 clients across 5 countries and about 200 million accounts (vendor-reported, April 2026).
What does FIS sell to banks?
| Product | What it does | Status |
|---|---|---|
| Financial Crimes AI Agent[1][2] | AML alert and case-investigation agent co-designed with Anthropic's Applied AI team and powered by Claude; gathers evidence across FIS-run or bank-owned cores, evaluates activity against typologies and supports SAR narratives, with investigators making every decision. In pilot; general availability planned for H2 2026. | Beta |
| Policy Optimizer 2.0[2] | Helps institutions evaluate and refine credit policies through AI-driven insights; FIS lists it among AI capabilities 'in production and pilot' without saying which applies. | Announced |
| AgentEdge[2] | FIS's AI-powered banking agent framework for deploying intelligent assistants and automation across banking workflows; described in September 2026 as still being advanced. | Announced |
| Agentic commerce offering for card issuers[3] | Lets FIS issuing-bank clients identify and authorize agent-initiated card transactions using 'know your agent' data, with Visa Intelligent Commerce and Mastercard; announced January 12, 2026 and expected by the end of Q1 2026 (no availability confirmation found). | Announced |
| SecurLOCK (Premium and 360)[16] | Card-fraud protection FIS describes as a 'comprehensive, AI-powered toolset' in two packages: SecurLOCK Premium tunes detection on intelligence from 75 billion transactions processed a year (vendor figure), and SecurLOCK 360 is a fully managed programme that adds reimbursement of fraud losses. | Generally available |
| Digital One with Glia AI[6] | Glia's AI-powered customer-interaction platform integrated into FIS's Digital One online-banking suite (October 2025): AI agents answer routine inquiries 24/7 and route complex issues to human staff. | Generally available |
| FIS digital wealth solutions (with InvestCloud)[4] | Advisor and client wealth tools launched May 21, 2026 with InvestCloud, integrated with FIS core wealth platforms; InvestCloud's unified data model powers agentic AI capabilities for advisors. | Generally available |
How much does FIS cost?
How it is charged: Recurring account-, transaction- or user-based processing fees plus software licences and services; AI add-ons not priced publicly.
FIS does not publish a price list.
- FIS's 2025 Form 10-K: transaction processing and services revenue 'is recurring and is typically volume or activity based depending on factors such as the number of payments, transactions, accounts or trades processed, number of users, number of hours of services or amount of computer resources used', and fees 'may include tiered pricing structures with the base tier representing a minimum monthly usage fee'. No price for any AI product is disclosed. (Dec 31, 2025)[8]
Pricing is not published; FIS sells through negotiated multi-year contracts, and neither its website nor its filings give a price for the Financial Crimes AI Agent or other AI modules. The 10-K describes the general fee model (volume-, account- or user-based recurring fees) and notes pricing pressure at renewal.
Which banks use FIS?
None of the 100 largest US banks covered on this site is publicly named as a FIS customer as of Sep 24, 2026. Customers the company names are listed in the key points above.
Among the 100 largest US banks on this site, from sources that name the bank: the bank, FIS or the press. Status is the furthest stage a source confirms.
What is Orchestrated Intelligence and the Financial Crimes AI Agent?
FIS describes a governed data and AI platform, 'Orchestrated Intelligence', in which client data stays in FIS-controlled infrastructure and Anthropic's Claude models supply the reasoning; its first agent, the Financial Crimes AI Agent (announced May 4, 2026), assembles AML case evidence across a bank's core systems and surfaces the highest-risk cases for investigators, with a roadmap covering credit decisioning, deposit retention, customer onboarding and fraud prevention.[1][2]
What has FIS done, and when?
- Sep 10, 2026
AI agent in pilot with core clients[2]
Reporting record first-half core wins among community and regional banks, FIS says the Financial Crimes AI Agent is in pilot with core banking clients and names Policy Optimizer 2.0 and AgentEdge among its AI capabilities.
- Aug 4, 2026
- Jul 17, 2026
Joins Anthropic's Project Glasswing[7]
FIS says it is testing Anthropic's Mythos 5 model through Project Glasswing to scan its own systems for security vulnerabilities, separate from its commercial agent partnership.
- May 21, 2026
AI wealth tools with InvestCloud[4]
FIS and InvestCloud launch FIS digital wealth solutions, integrating InvestCloud's advisor tools and agentic AI capabilities with FIS core wealth platforms.
- May 4, 2026
Financial Crimes AI Agent with Anthropic[1]
FIS and Anthropic announce an AML investigations agent powered by Claude; BMO and Amalgamated Bank are among the first in development, with broader availability planned for H2 2026.
- Apr 16, 2026
Everest Group names FIS among agentic-AI investors[5]
FIS reports it ranked first in Everest Group's Top 50 core banking technology providers for 2026 and was recognized among providers making agentic AI investments (vendor-reported recognition).
- Mar 20, 2026
Chief Product Technology Officer resigns[10]
Firdaus Bhathena, FIS's Chief Product Technology Officer, resigns effective March 20, 2026.
- Feb 24, 2026
10-K: 'embedding AI across our solutions'[8]
FIS's 2025 annual report says it is embedding AI across its solutions and operations, expanding AI capabilities through in-house development and partnerships 'with a focus on agentic capabilities', and adds AI risk factors.
- Jan 12, 2026
Agentic-commerce offering for issuers[3]
FIS announces an offering, with Visa and Mastercard, to let its issuing-bank clients identify and authorize AI-agent-initiated card transactions, expected by the end of Q1 2026.
- Jan 9, 2026
Issuer Solutions acquired, Worldpay stake sold[9]
FIS completes the acquisition of Global Payments' Issuer Solutions business ($13.5 billion enterprise value) and sells its remaining Worldpay interest, paying about $7.7 billion in cash.
- Oct 8, 2025
Glia AI agents added to Digital One[6]
FIS integrates Glia's AI-powered customer-interaction platform into its Digital One online-banking suite so AI agents handle routine inquiries and route complex issues to people.
- Apr 18, 2024
First Horizon case study for FIS AI 360 (not an AI model)[17]
FIS publishes a client story on First Horizon Bank's relationship-rewards programme built on FIS AI 360; the story describes a configurable rules engine that rewards customers on accounts held, balances and engagement, and does not describe machine learning or other AI.
- Jan 1, 1968
Founded as Systematics[13]
FIS was founded in 1968 as Systematics (exact date not given on the page), later acquired by ALLTEL Information Services and bought in 2003 by Fidelity National Financial, which renamed it Fidelity Information Services (FIS).
What do banks use FIS for?
| Use | What it does | Status | Use case |
|---|---|---|---|
| AML investigations agent[1][2] | The Financial Crimes AI Agent assembles evidence across core systems, checks activity against typologies and supports SAR narratives, with investigators deciding each case. | Pilot | AML / KYC |
| AI card-fraud detection for issuers[16] | SecurLOCK monitors card transactions in real time, alerts customers to account-change attempts and blocks accounts when account takeover is detected. | In production | Fraud detection |
| AI service agents in online banking[6] | Glia's AI agents inside FIS Digital One answer routine account and transaction questions and hand complex cases to staff; PrimeSouth Bank is quoted as a user. | In production | Customer-facing chatbots |
| AI credit-policy tuning[2] | Policy Optimizer 2.0 offers AI-driven insights for evaluating and refining a bank's credit policies; FIS does not say whether it is in production or pilot. | Announced | Credit scoring & underwriting |
| Agent framework and roadmap[1][2] | AgentEdge and a Claude-powered agent roadmap covering credit decisioning, deposit retention, customer onboarding and fraud prevention, all run on FIS's governed platform. | Announced | Generative & agentic AI |
| Agentic commerce for card issuers[3] | Tools for issuing banks to recognize and authorize AI-agent-initiated card purchases through Visa and Mastercard frameworks. | Announced | Third-party & vendor AI |
What has FIS disclosed in numbers?
| Metric | Value | As of |
|---|---|---|
| AI products in market / live customers / pipeline (vendor-reported) | 10 products; more than 200 live customers; more than 500 pipeline opportunities[12] | Aug 4, 2026 |
| Revenue, full year 2025 | $10,677 million[8] | Dec 31, 2025 |
| Revenue, Q2 2026 | about $3.4 billion, up 29% (GAAP, including the Issuer Solutions acquisition) and 5.3% on a pro forma basis[11] | Jun 30, 2026 |
| Remaining performance obligations | about $23.5 billion, primarily recurring account- and volume-based processing services[8] | Dec 31, 2025 |
| Issuer Solutions acquisition | $13.5 billion enterprise valuation; about $7.7 billion cash paid plus FIS's Worldpay interest[9] | Jan 9, 2026 |
| Employees | more than 44,000[8] | Dec 31, 2025 |
| Core banking footprint (vendor-reported) | over 500 clients across 5 countries; about 200 million accounts[5] | Apr 16, 2026 |
“Every bank in the world wants AI that acts, not just assists.”[1]
Stephanie Ferris · Chief Executive Officer and President, FIS · May 4, 2026
“We embedded our Applied AI team inside FIS to build the Financial Crimes AI Agent together, so every conclusion the agent reaches links back to its source data, and every decision stays with the investigator.”[1]
Jonathan Pelosi · Head of Financial Services, Anthropic · May 4, 2026
“Banks are investing decisively behind modernization and AI, and they are choosing FIS as their partner.”[11]
Stephanie Ferris · Chief Executive Officer and President, FIS · Aug 4, 2026
Who runs FIS?
Which rules apply to a bank using FIS?
| Authority | Why it matters here | Documents |
|---|---|---|
| FinCEN | The Financial Crimes AI Agent works on AML alerts, case investigations and SAR narratives, so a bank using it remains responsible for its BSA/AML program and SAR decisions; FinCEN's 2026 AML/CFT program proposal would credit effective use of AI, and the 2018 innovation statement covers piloting such tools. | 2026 AML/CFT Program Proposed Rule 2018 Joint Statement on BSA/AML Innovation |
| Federal Reserve | AI and machine-learning models FIS supplies -- SecurLOCK fraud detection and Policy Optimizer credit-policy insights -- are vendor models a bank must validate and monitor under SR 26-2, and FIS as a core provider falls under the Fed's third-party guidance. | SR 26-2 SR 23-4 |
| OCC | For an OCC-supervised bank, FIS is typically a critical third party (core and card processing); AI agents delivered inside that relationship inherit OCC Bulletin 2023-17 oversight, and embedded models fall under OCC Bulletin 2026-13. | OCC Bulletin 2023-17 OCC Bulletin 2026-13 |
| FDIC | FDIC-supervised community banks running FIS cores must manage FIS, and Anthropic behind its agent, as third-party relationships under the 2023 interagency guidance. | FDIC FIL-29-2023 |
| CFPB | AI service agents in Digital One answer customer account questions; the CFPB's chatbot findings say customers must be able to reach a person and get accurate answers. | CFPB Chatbots in Consumer Finance (issue spotlight, 2023) |
Linked authorities have a page in the AI Regulation Tracker; the others are named for completeness.
What should a bank note before buying FIS?
Analysis by BankingNewsAI from the sources cited on this page. Observations, not advice or a recommendation.
01
The flagship agent is not yet generally available
The Financial Crimes AI Agent was announced in May 2026 with general availability planned for the second half of 2026; in September 2026 FIS still described it as in pilot. BMO's status is development/pilot, not production.
02
AI adoption figures are FIS's own
The count of 10 AI products and more than 200 live customers, and the 'hours to minutes' AML claim, come from FIS's earnings call and press releases; no independent or customer-published results were found.
03
Pricing requires a negotiation, usually at renewal
No price for any FIS AI product is published; the 10-K describes volume-, account- or user-based recurring fees and says larger clients may seek price reductions when they renew.
04
The agent adds Anthropic to the vendor chain
FIS says client data stays in FIS-controlled infrastructure, but the agent's reasoning comes from Anthropic's Claude models, so a bank's third-party review covers both FIS and its model provider.
05
Not every product named 'AI' is AI
FIS AI 360, which First Horizon uses for relationship rewards, is described in FIS's own case study as a configurable rules engine; the record does not show a machine-learning component.
06
2026 brought leadership and outlook changes
FIS's Chief Product Technology Officer left in March 2026 and the company cut its 2026 revenue-growth outlook in August, alongside the integration of the Issuer Solutions business.
What are the alternatives to FIS?
Fiserv
Core, card and payments provider adding AI to its platforms: agentOS agents for bank workflows, AI card-fraud decisioning.
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.
How much does FIS AI cost?
FIS does not publish pricing for its AI products, including the Financial Crimes AI Agent, Policy Optimizer 2.0 or AgentEdge. Its 2025 10-K says processing revenue is recurring and typically volume or activity based -- by payments, transactions, accounts, trades or users -- with tiered structures that may include a minimum monthly fee. AI modules are sold within negotiated contracts, so a bank would get a price from FIS directly, often at renewal.
Which banks use FIS's AI?
None of the 100 US banks tracked here is named by FIS as a customer of an AI product. FIS names BMO (the Canadian group; it does not say whether the US bank is involved) and Amalgamated Bank as the first institutions in development with the Financial Crimes AI Agent (May 2026); FIS said in September 2026 the agent was in pilot with core banking clients. FIS also reports more than 200 live customers across 10 AI products but does not name them. Other top-100 banks appear in FIS news for core conversions or tokenised deposits, which are not AI.
Who owns FIS?
FIS -- Fidelity National Information Services, Inc. -- is a public company listed on the New York Stock Exchange under the ticker FIS and a member of the S&P 500. It was founded in 1968 as Systematics and is headquartered in Jacksonville, Florida. In January 2026 it sold its remaining Worldpay stake and bought Global Payments' Issuer Solutions business.
Does FIS use Anthropic's Claude?
Yes. FIS announced in May 2026 that it is working with Anthropic to build the Financial Crimes AI Agent, with Anthropic's Applied AI team and forward-deployed engineers embedded at FIS and Claude as the reasoning model. FIS says client data stays inside FIS-controlled infrastructure and that later agents on the same platform will also be powered by Claude. Separately, FIS joined Anthropic's Project Glasswing in July 2026 to test a model on its own security.
Is FIS a bank?
No. FIS is a financial technology company that provides core processing, digital banking, card issuing, payments and capital-markets software to banks and other institutions. It is not a chartered bank. Banks that use FIS, including its AI agents, must oversee it as a third-party provider under the interagency third-party risk guidance and validate any models it supplies.
What does the FIS Financial Crimes AI Agent do?
When an AML case opens, the agent is designed to assemble the evidence across a bank's core systems -- FIS-run or bank-owned -- evaluate the activity against known typologies and surface the highest-risk cases for investigators, who make every decision. FIS says it will be evaluated on cost per case, manual work and case review time, and that it should improve SAR narrative quality; these are FIS's stated aims, not measured results.
- FIS Brings Agentic AI to Banking with Anthropic, Starting with Financial Crimes
- Community and Regional Banks are Choosing FIS to Accelerate Modernization
- FIS Launches Industry-First Offering Enabling Banks to Lead and Scale in Agentic Commerce
- FIS and InvestCloud Partner to Deliver AI-Powered Wealth Management Tools to Financial Institutions
- FIS Leads Core Banking Modernization for Second Straight Year, Everest Group Core Banking Report Finds
- FIS Brings AI-powered Advancements to Seamless, Personalized Digital Banking Experiences
- FIS and Anthropic Extend Partnership on Trusted AI for Financial Services
- Fidelity National Information Services, Inc. Form 10-K for the fiscal year ended December 31, 2025
- Fidelity National Information Services, Inc. Form 8-K (completion of Issuer Solutions acquisition and Worldpay sale)
- Fidelity National Information Services, Inc. Form 8-K (departure of Chief Product Technology Officer)
- FIS Reports Second Quarter 2026 Results (Exhibit 99.1 to Form 8-K)
- FIS Deepens Its Banking Push With Payments and Issuing
- Company History (undated page, retrieved 2026-09-24)
- FIS Executive Team (undated page, retrieved 2026-09-24)
- Reduce risk and build smarter AI adoption strategies (webinar)
- Real-Time Card Fraud Detection & Protection - SecurLOCK (undated page, retrieved 2026-09-24)
- First Horizon Bank Uses FIS AI 360 to Usher In a New Era of Customer Engagement
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