At Intuit, agents aren’t just about answering questions—they’re about executing tasks. In TurboTax, for instance, agents help customers complete their taxes 12% faster, with nearly half finishing in under an hour. These intelligent systems draw data from multiple streams—including real-time and batch data—via Intuit’s internal bus and persistent services. Once processed, the agent analyzes the information to make a decision and take action. These capabilities are made possible by GenOS, Intuit’s custom generative AI operating system. At its heart is GenRuntime, which Srivastava likens to a CPU: it receives the data, reasons over it, and determines an action that’s then executed for the end user. The OS was designed to abstract away technical complexity, so developers don’t need to reinvent risk safeguards or security layers every time they build an agent. Across Intuit’s brands—from TurboTax and QuickBooks to Mailchimp and Credit Karma—GenOS helps create consistent, trusted experiences and ensure robustness, scalability and extensibility across use casesAt Intuit, the creation of GenOS empowers hundreds of developers to build safely and consistently. The platform ensures each team can access shared infrastructure, common safeguards, and model flexibility without duplicating work. For Amex, its enablement layer is designed around a unified control plane, the layer lets teams rapidly develop AI-driven agents while enforcing centralized policies and guardrails. It ensures consistent implementation of risk and governance frameworks while encouraging speed. Developers can deploy experiments quickly, then evaluate and scale based on feedback and performance, all without compromising brand trust.