# What banks announced about AI agents in Q3 2025

Source: https://www.bankingnewsai.com/ai-agents-in-banking/2025-q3

16 banks, 20 dated moves (July to September 2025): 7 in production, 1 rolling out, 2 pilots, 10 announcements. Most active: Axos Bank (3), Citi (2), Goldman (2), U.S. Bank (2), Wells Fargo (1).

## The quarter

In the third quarter of 2025, banks made 20 recorded moves on AI agents across 16 banks, led by Axos Bank with three and Citi, Goldman and U.S. Bank with two each. In production, Citi began rolling out Cognition's Devin to 40,000 developers on July 14, with humans approving all output, and on September 22 put agentic AI into a 5,000-user pilot of Stylus Workspaces. Goldman announced a Devin pilot on July 11, expecting 'hundreds of Devins', and on July 25 its GS AI Assistant reached 46,000 employees. Wells Fargo began rolling agentic AI out to all 215,000 employees on August 5.

U.S. Bank cardholders were enabled for Mastercard Agent Pay by September 30, and on September 16 Amex was among the 60-plus organizations Google named around its Agent Payments Protocol. Axos Bank joined the OutSystems Agent Workbench early-access program on September 30, and Ally said on September 17 that its agents were still experimental, at 50% adoption and 400,000 prompts. Outside the US, Commonwealth Bank described Project Coral on August 15, an agentic tool that raises pull requests engineers must approve, and Scotiabank reported on September 17 that it built five payments agents with EY and Microsoft in under three months. No policy moves were recorded. At quarter end, the USAA Quavo dispute platform, with no go-live date, Huntington's target of 100 use cases from 28 live, and the Citizens plan to reimagine the bank with AI were still at the announcement stage.

_Written from the rows below on Oct 26, 2026._

## The moves

### Sep 2025

| Date | Bank | Move | Stage | Source |
|---|---|---|---|---|
| 2025-09-30 | [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | **Mastercard Agent Pay enabled for U.S. Bank cardholders** Mastercard says Citi and U.S. Bank cardholders were already enabled for Agent Pay transactions, with all U.S. Mastercard cardholders to follow by mid-November. | In production | [Mastercard, Sep 30, 2025](https://mastercard.com/us/en/news-and-trends/stories/2025/agentic-commerce-momentum.html) |
| 2025-09-30 | [Axos Bank](https://www.bankingnewsai.com/banks/axos) | **In OutSystems' Agent Workbench early-access programme** Agents for error-log analysis and document data entry; 'a significant step in our AI strategy'. | In production | [OutSystems (Business Wire), Sep 30, 2025](https://businesswire.com/news/home/20250930527578/en/OutSystems-Announces-General-Availability-of-Agent-Workbench-Empowering-Enterprises-to-Drive-Business-Impact-with-Agentic-Systems) |
| 2025-09-30 | [BancFirst](https://www.bankingnewsai.com/banks/bancfirst) | **WebexOne 2025 names BancFirst as a Webex AI Agent deployment** According to Cisco Webex, BancFirst deployed a Webex AI Agent for internal support (WebexOne 2025 post). The post date is taken from the event announcement. | In production | [Cisco Webex (vendor blog), Sep 30, 2025](https://blog.webex.com/customer-experience/webexone-2025-connected-intelligence-redefining-cx-with-new-innovations) |
| 2025-09-23 | [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank-us) and [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank) | **Google Cloud details the dbLumina research agent** Built for Deutsche Bank Research on Gemini through Vertex AI with retrieval-augmented answers, inline citations and audit logging; adopted by hundreds of research analysts after more than 12 months of development. | Announced | [Google Cloud, Sep 23, 2025](https://cloud.google.com/blog/topics/financial-services/deutsche-bank-delivers-ai-powered-financial-research-with-db-lumina) |
| 2025-09-22 | [Citi](https://www.bankingnewsai.com/banks/citigroup) | **Stylus Workspaces goes agentic** A 5,000-user pilot of agentic AI inside Stylus Workspaces, running on Gemini and Claude models; Griffiths on headcount: 'Does it mean that we need less people? I don't know.' | In production | [Banking Dive, Sep 23, 2025](https://bankingdive.com/news/citi-agentic-AI-tools-stylus-workspaces/760868) |
| 2025-09-18 | [Prosperity](https://www.bankingnewsai.com/banks/prosperity) | **Akuvo takes Vista Equity investment to build agentic AI** American Banker lists Prosperity Bank among Akuvo's more than 150 financial-institution customers; the agentic roadmap is Akuvo's and Prosperity is not described as a party to it. | Announced | [American Banker, Sep 18, 2025](https://www.americanbanker.com/news/collections-fintech-akuvo-gets-funding-for-agentic-ai) |
| 2025-09-17 | [Ally](https://www.bankingnewsai.com/banks/ally) | **400,000 prompts, 50% adoption; agents still experimental** The CIO on an executive-committee AI day, four layers of governance, and agentic experiments for alert handling and password resets. | Pilot | [Banking Dive, Sep 17, 2025](https://bankingdive.com/news/ally-cio-muthukrishnan-banking-agentic-ai-tech/760279) |
| 2025-09-17 | [Scotiabank](https://www.bankingnewsai.com/banks/scotiabank) | **Microsoft and EY prototype payments AI agents** A Global Transaction Banking case study says that with EY and Microsoft the bank built, in under three months on Microsoft's Copilot platform, five agents (data transformation, reconciliation, exception handling, aggregation and report preparation) that produce a Client Insight Report for payments clients, work that took weeks. The bank says the next step is extending agents across payment workflows. | Announced | [Scotiabank Global Transaction Banking newsroom, Sep 17, 2025](https://gtb.scotiabank.com/en/global-transaction-banking/resources/insights/article.insights.how-ai-agents-are-transforming-scotiabank-s-payment-operations.html) |
| 2025-09-16 | [Amex](https://www.bankingnewsai.com/banks/american-express) | **Among 60-plus organisations around Google's AP2** Google names American Express in the group shaping the Agent Payments Protocol for agentic payments. | Announced | [Google Cloud, Sep 16, 2025](https://cloud.google.com/blog/products/ai-machine-learning/announcing-agents-to-payments-ap2-protocol) |
| 2025-09-11 | [Huntington](https://www.bankingnewsai.com/banks/huntington) | **28 generative-AI use cases live, target 100** The CFO says software development is the furthest-advanced use, that technology investment has grown at a 25% compound rate against 5% for total expenses over five years, and that agentic AI is used in software development, employee productivity, customer service and marketing. | Announced | [American Banker, Sep 11, 2025](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai) |
| 2025-09-02 | [USAA](https://www.bankingnewsai.com/banks/usaa) | **USAA Savings Bank selects Quavo for agentic fraud and dispute handling** Quavo says USAA will implement its QFD platform, which uses agentic AI to automate disputes from intake to recovery and resolution; its Aria fraud agent is described as trained on more than 20 million real-world cases. USAA has not published go-live dates. | Announced | [FinTech Global, Sep 4, 2025](https://fintech.global/2025/09/04/usaa-selects-quavos-ai-to-strengthen-compliance) |

### Aug 2025

| Date | Bank | Move | Stage | Source |
|---|---|---|---|---|
| 2025-08-26 | [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | **Patent granted: agentic on-device adaptation** US 12,401,680 B1 covers adjusting on-device model configurations when context changes; a continuation, US 12,603,915 B1, also appears in Google Patents. | Announced | [Google Patents (USPTO), Aug 26, 2025](https://patents.google.com/patent/US12401680B1/en) |
| 2025-08-21 | [Axos Bank](https://www.bankingnewsai.com/banks/axos) | **FY2025 10-K already named agentic AI as a risk** The risk factor on development and use of AI cites agentic AI, third-party models and AI-enabled fraud; full-time employees rose to 1,989 from 1,781. | In production | [SEC EDGAR, Aug 21, 2025](https://www.sec.gov/Archives/edgar/data/1299709/000129970925000125/ax-20250630.htm) |
| 2025-08-15 | [Commonwealth Bank](https://www.bankingnewsai.com/banks/commonwealth-bank) | **AI Powered Engineering and Project Coral** CommBank describes an AI Powered Engineering team created in 2024 and Project Coral, an agentic tool that reads monitoring data, analyses code and raises pull requests with fixes for tech debt; engineers must approve every change. | In production | [Commonwealth Bank of Australia newsroom, Aug 15, 2025](https://commbank.com.au/articles/newsroom/2025/08/ai-powered-engineering.html) |
| 2025-08-05 | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | **Agentic AI to all 215,000 employees** Google Cloud Agentspace, Gemini Deep Research and NotebookLM; Kerrins: 'a big deal for us'. | Rolling out | [American Banker, Aug 5, 2025](https://www.americanbanker.com/news/wells-fargo-plans-to-unleash-googles-agentic-ai-bank-wide) |

### Jul 2025

| Date | Bank | Move | Stage | Source |
|---|---|---|---|---|
| 2025-07-30 | [Axos Bank](https://www.bankingnewsai.com/banks/axos) | **Q4 FY2025 call: AI reads loan covenants; cap on personnel cost growth** Garrabrants described an agent that extracts covenants from commercial loan agreements for attorney review and loads them into the originations system, an AI task force, and a target that personnel and professional-services cost growth not exceed 30% of income growth. | Announced | [The Motley Fool (Yahoo Finance), Jul 30, 2025](https://finance.yahoo.com/markets/stocks/articles/axos-financial-ax-q4-2025-032614266.html) |
| 2025-07-25 | [Goldman](https://www.bankingnewsai.com/banks/goldman-sachs) | **GS AI Assistant reaches the whole workforce** 46,000 employees; a million prompts a month; Devin agents joining developer teams. | Announced | [American Banker, Jul 25, 2025](https://www.americanbanker.com/news/goldman-sachs-staff-now-write-a-million-gen-ai-prompts-a-month) |
| 2025-07-17 | [Citizens](https://www.bankingnewsai.com/banks/citizens) | **Van Saun: 'reimagining the bank with AI in mind'** The objective, set out on the Q2 2025 call, is to redesign how the bank serves customers and runs itself with gen and agentic AI; Van Saun told American Banker 'everything is fair game' and named customer service, fraud, AML and loan servicing as targets. | Announced | [American Banker, Jul 17, 2025](https://www.americanbanker.com/news/citizens-strong-q2-results-driven-by-rising-interest-income) |
| 2025-07-14 | [Citi](https://www.bankingnewsai.com/banks/citigroup) | **Devin coding agents for 40,000 developers** Citi begins rolling out Cognition's Devin to automate software patches, upgrades and language rewrites; agents work only from internal repositories and humans approve all output. Citi Squad had completed 740,000 automated code reviews, about 100,000 hours a week saved. | In production | [American Banker, Jul 14, 2025](https://www.americanbanker.com/news/citi-is-rolling-out-agentic-ai-to-its-40-000-developers) |
| 2025-07-11 | [Goldman](https://www.bankingnewsai.com/banks/goldman-sachs) | **Devin pilot announced: 'hundreds of Devins', maybe thousands** Argenti expects Cognition's agent to raise developer productivity three to four times over earlier AI tools; Goldman is the first major bank to use it, per Cognition, and holds no stake in Cognition. | Pilot | [CNBC, Jul 11, 2025](https://www.cnbc.com/2025/07/11/goldman-sachs-autonomous-coder-pilot-marks-major-ai-milestone.html) |

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Canonical page: https://www.bankingnewsai.com/ai-agents-in-banking/2025-q3
Part of [BankingNewsAI](https://www.bankingnewsai.com/). Every row is a dated, sourced entry on a bank profile on this site; the stage is the one the bank describes. Index of Markdown pages: https://www.bankingnewsai.com/llms.txt.