A year ago, at Elevate ’25, we announced FintechOS 8: a new platform generation and a multi-year R&D commitment to bringing AI into how financial institutions build and run their products.
One year on, FintechOS 8 is live and powers customers in production. Its agentic capabilities have earned new recognition from leading industry analysts. And we have completed the audit for ISO/IEC 42001, the international standard for AI management systems. These milestones reflect the work of teams across FintechOS and the trust of the customers and partners who build with us.
At Elevate ’26 in London, our biggest Elevate yet, we took the next step. We announced FintechOS 8 Blue Sky, the next commercial release of FintechOS 8, together with the technology, governance and engagement programs that help banks and insurers capture measurable and controlled business outcomes from agentic AI in live operations.
Build with Intelligence. Run with Intelligence.
Introducing FintechOS 8 Blue Sky
FintechOS 8 Blue Sky advances our position as the agentic platform for financial product operations. It evolves the FintechOS 8 architecture around three connected ideas:
- A unified, governed financial product record that gives people and agents one trusted view of every product.
- Build with Intelligence, which brings agents to the teams that design and change financial products and solutions.
- Run with Intelligence, which puts agents to work alongside the employees and customers who use those solutions every day.
Blue Sky strengthens the two solutions at the centre of our business: Unified Origination for banks, credit unions and building societies, and the Intelligent Policy Administration System for insurers and MGAs. Every Blue Sky capability and program amplifies these solutions, making them faster to change, more intelligent in daily operations and easier to govern.
One unified, governed financial product record
Banks and insurers need one reliable record of their financial products across the product lifecycle, from design and pricing to distribution and servicing.
Blue Sky advances a unified product record that connects product definitions, pricing, eligibility, rules, workflows, distribution and performance data. It strengthens the role of FintechOS as the system of record and runtime for financial products, across origination, servicing and renewal.
The record brings product and pricing rules and workflows together with an industry semantic data model and a governance framework designed for AI in live operations. Underneath sits the Data & AI Core. It provides semantic context, data virtualisation, APIs and MCP connectivity to core systems, enterprise data, ecosystem services and external agents. Identity, permissions and audit are part of this foundation.
The unified product record is the shared context for our two copilots, Dex and Abi.
Build with Intelligence: Dex, Copilot for Builders
Dex orchestrates agents that augment how teams configure and extend FintechOS. Builders describe products, pricing, rules and workflows in natural language, refine existing implementations, create governed agents, and work across data models, journeys and integrations. Every proposed change stays reviewable, versioned and governed before deployment.
At Elevate, Dex configured complex products with their pricing, eligibility and rules, generated multiple workflows with defined skills, tools and guardrails, and created agents through a conversational experience, with each change presented for human review.
The economics. On real origination workflows, Dex in Blue Sky targets an effort reduction of more than 90% against the manual baseline. That lowers the cost of change and frees delivery capacity for work with direct impact: new business, faster product launches and more customers served.
Run with Intelligence: Abi, Copilot for Daily Operations
Abi orchestrates agents that augment daily operations for employees and customers. It guides users through workflows conversationally, generates the interface a task needs, analyses business scenarios, and understands documents in the context of the customer, product and case. Abi works within the institution’s permissions, policies, product rules and approval structures.
At Elevate, Abi generated analytics and interfaces for product and pricing decisions, ran conversational origination journeys, extracted and reconciled information from documents, and prepared complete files for decision, in banking and in insurance.
The economics. In complex mortgage origination at a UK building society, Abi’s intelligent document processing reduces effort by about 11,200 hours per year. That lowers the cost to serve. Underwriters spend their time on judgement, and applicants get a decision the same day instead of the following week.
Product Lifecycle & Pricing Intelligence
Blue Sky introduces Product Lifecycle & Pricing Intelligence, a new standalone commercial offer that extends product management from configuration into continuous insight.
| Stage | What teams can do |
|---|---|
| Configure | Define catalogues, pricing, eligibility and rules. Version, approve and publish them to origination, distribution and core systems. |
| Distribute | Resolve eligible offers for each customer and case, simulate options and bundles, and pass approved terms downstream. |
| Observe | See the effect of a product or pricing change before release, including portfolio impact, fair-value outcomes and customer migration. |
| Optimise | Capabilities added incrementally over time: elasticity analysis, repricing recommendations, next-best-action and dynamic pricing. |
With this offer, the product record becomes the basis for understanding how financial products perform and what a change could do before it goes live.
Governance for AI in live operations
Moving AI into production requires governance across the whole AI lifecycle.
At Elevate, we announced that FintechOS has completed its audit for ISO/IEC 42001, the international standard for AI management systems. The standard covers AI risk management, human oversight and transparency.
Governance is built into the Blue Sky architecture. The unified product record supplies governed context. The Data & AI Core controls identity, permissions and access. Dex produces reviewable, versioned changes. Abi operates within established policies and approvals. Agent actions can be traced, evaluated and audited.
New analyst recognition
FintechOS 8 has also earned new industry recognition. Recent assessments recognise FintechOS as a Juniper Research Gold Winner for AI innovation in banking (June ’26), a QKS Group Most Valuable Pioneer for AI maturity in loan origination (August ’26), and an Everest Group Fast Follower for agentic AI in banking (October ’26).
Each assessment looks at a different part of the same strategy: agentic technology, financial product depth, and the move of AI into real banking and insurance operations. Read more in our blog post on the Everest Group research: Agentic AI in banking recognized where it counts.
Forward Deployed: AI-led delivery
Blue Sky changes how we deliver as well as what we deliver.
The FintechOS Forward Deployed model is people-led and agent-augmented. Forward Deployed Consultants work across products, workflows, rules and customer journeys. Forward Deployed Engineers connect data, integrations, custom logic and live systems. An agentic workforce supports both with drafting, testing and reusable components, and the AI Delivery Hub provides common methods, standards and quality gates.
Customer and FintechOS teams work to one joint plan, set at discovery. The outcomes we design for are faster go-live and time to value, implementations built on best-practice configuration so upgrades stay simple, and solutions that customer teams can run and extend themselves.
To help institutions start, we have also introduced FirstLight, a strategic engagement model for standard, predefined AI offerings. FirstLight takes a first governed AI outcome into production and scales it when the customer decides.
One direction for the agentic era
FintechOS 8 created the foundation. Blue Sky is the next step, and it marks the moment the whole company moves in one direction.
What makes this real is convergence. Our commercial, engagement and delivery programs now move together with the product. FirstLight gives customers a clear and governed way to start. Forward Deployed takes each outcome into production. Governance, anchored in ISO/IEC 42001, runs through all of it.
Behind this convergence are the people of FintechOS, committed to one goal: making agentic AI work in live banking and insurance operations. That is what the agentic era means for us: intelligence across the full financial product lifecycle, from how institutions build products to how they run them every day.
FintechOS 8 Blue Sky will ship progressively over the coming months. To explore what it can do for your institution or to start a FirstLight engagement, [talk to our team].
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Build with Intelligence. Run with Intelligence.
