The "gift for banks" framing is interesting — but the lock-in calculus usually flips by year 3. Once your customer-onboarding, fraud-detection, and KYC workflows all sit behind one vendor's agent layer, switching
costs become structural, not contractual. The banks that win in 2028 are the ones that treat agents as code they own (in their existing stack), not as features they rent from a single platform. Cheaper to build that posture today than to unwind it later.
Fiserv's agentOS Looks Like a Gift for Banks, decision can't undo!
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