30 banks put 32 dated AI-agent moves on the record in Q4 2025 (October to December 2025): 9 describe an agent in production, 1 a rollout, 3 a pilot and 19 an announcement. The most active: Capital One (2), PNC (2), BNY (2), U.S. Bank (1) and Schwab (1). In production, for example: BNY, OpenAI case study: 20,000 agent builders, 125+ live use cases (Dec 12, 2025, OpenAI). Every row below links the bank's own source; the full dated record is the tracker.
DATA AS OF OCT 26, 2026 · 141 banks · 260 documents · 52 vendors · 4,879 sources
What moved in Q4 2025?
In the fourth quarter of 2025, banks made 32 recorded moves on AI agents across 30 banks, led by Capital One, PNC and BNY with two each. In production, an OpenAI case study on December 12 counted 20,000 agent builders and 125-plus live use cases at BNY, with a contract review assistant cutting legal review from four hours to one. OCBC's Bank of Singapore announced an agentic Source of Wealth Assistant on October 10 that cuts report preparation from 10 days to an hour, BMO Financial Group reported its first in-house agentic application on December 4, and Schwab said on November 10 that AI agents help engineers finish internal projects about 20% faster.
Pilots were few: Lloyds announced an agentic AI financial assistant on November 6 after testing with 7,000 staff, Synchrony set up an agentic commerce team building its own Synchrony Agent on October 24, and Live Oak described a lending-platform pilot on October 23. In payments, Fifth Third made Brex its commercial-card provider on December 9, covering $5.6 billion of annual card volume, Barclays US expanded its Visa partnership with an agentic-commerce focus on October 29, and MUFG signed an OpenAI agreement on November 12 that includes agentic commerce support and ChatGPT Enterprise for about 35,000 bank employees. At quarter end, PNC's mobile app being built by AI agents, 40% to 50% complete on December 2, Customers Bank's more than 100 agentic use cases, U.S. Bank's agentic-commerce initiative and Deutsche Bank's 2028 AI targets were still announcements.
Written from the rows below on Oct 26, 2026; every bank, number and date is in a row.
Which banks were active on AI agents in Q4 2025?
Capital One with 2 moves, PNC with 2 moves, BNY with 2 moves, U.S. Bank with 1 move, Schwab with 1 move, State Street with 1 move, TD with 1 move and Fifth Third with 1 move. 6 of the 30 banks are groups outside the United States (Standard Chartered, BMO Financial Group, MUFG, Lloyds and DBS and others).
What did each bank announce, and when?
Dec 20259 moves
Ally: Personas launchAnnounced
Six AI agent personas built with LangChain after 16 months of development by Ally Tech Labs.
Standard Chartered: Two AI patent applications published for the Singapore branchAnnounced
US 2025/0390768 A1 (orchestration of multi-agent operations using language models) and US 2025/0390498 A1 (estimating confidence and implementing metacognitive abilities in AI systems), both filed 20 June 2025, name Craig Turrell and Tom Pfaff as inventors and Standard Chartered Bank, Singapore Branch as applicant.
BNY: OpenAI case study: 20,000 agent builders, 125+ live use casesIn production
Pattanaik says 'We're not building side projects. We're changing how the bank works.' A Contract Review Assistant cut legal review from four hours to one across 3,000+ annual vendor agreements, and 99% of staff were trained on generative AI.
Fifth Third: Brex becomes the commercial-card providerRolling out
Multi-year partnership on Brex Embedded; $5.6 billion of annual card volume; Brex AI agents for clients.
Seacoast Bank: Quavo agentic-AI dispute platform adoptedIn production
Full-lifecycle dispute management with AI fraud detection.
BNY: Google Cloud Gemini Enterprise added to ElizaIn production
Employees build agents for data analysis such as parsing financial reports.
TD: 2025 annual report (SEC filing): AI risk framework and US AML machine learningAnnounced
AI models held to the same model-risk standards; generative and agentic AI named as risks; 'further deployments of machine learning and specialized AI' in the US BSA/AML remediation; ~US$52 billion of headroom to the US asset limitation.
BMO and BMO Financial Group: 2025 annual report: AI risk directive and first in-house agentic applicationIn production
An AI risk directive and a Responsible AI Forum that reviews significant AI initiatives; Capital Markets launched its first in-house agentic AI application, analysing historical underwritten loans for bankers; US personal, commercial and wealth businesses unified as U.S. Banking.
PNC: Mobile app being built by orchestrated AI agents, 40–50% completeAnnounced
Head of retail banking Alex Overstrom: a series of orchestrated AI agents is building the new app faster; launch targeted ahead of the June 2026 FirstBank conversion. Earlier, the online-banking rebuild let PNC change in hours what took six months.
Nov 20259 moves
Capital One: Applied AI research agenda publishedAnnounced
LLM training, customisation and alignment; synthetic data; multi-agent reasoning.
Capital One: NeurIPS 2025: 20-plus accepted papersAnnounced
Responsible AI, multi-agent systems, LLM evaluation and fraud detection.
WaFd Bank: Fiscal 2025 10-K adds a dedicated AI risk factorIn production
Covers generative and agentic AI, biased or harmful outputs, limited transparency, evolving AI regulation and reliance on third-party models; separately flags AI-enabled deepfakes as a cyber threat.
Deutsche Bank: Investor Deep Dive sets 2028 AI targetsAnnounced
Agentic AI front-to-back, 15 to 2 core platforms, KYC and mortgage handling-time cuts.
MUFG: OpenAI strategic collaborationAnnounced
MUFG Bank and OpenAI sign a strategic agreement: ChatGPT Enterprise for about 35,000 bank employees from January 2026, an AI champion programme, quarterly strategic reviews, and four retail measures (an AI concierge in MUFG apps, an AI chat for account opening, a possible Apps in ChatGPT link and agentic commerce support).
Schwab: IMPACT 2025: 'the year of the notetaker'; agents write internal code 20% fasterIn production
Dooher says notetakers are the top advisor use; Schwab's engineers use AI agents for internal tasks with about 20% faster project completion; Lisa Salvi expects agentic experimentation in 2026 and adoption from 2027.
U.S. Bank: Agentic commerce named a payments initiativeAnnounced
The deck for the November 7, 2025 BancAnalysts Association of Boston conference, filed with the SEC the day before, lists agentic commerce among five key initiatives for embedded payments.
PNC: Investor deck: new mobile app 'developed using agentic AI'Announced
A conference presentation filed with the SEC previews the 2026 mobile banking launch, built with agentic AI.
Lloyds: AI financial assistant announcedPilot
Lloyds announces a multi-feature agentic AI assistant for the mobile app after testing with 7,000 staff, with spending-insight and savings-and-investment tools first and a wider product range planned for 2026.
Oct 202514 moves
Barclays US: Visa partnership expanded with agentic-commerce focusAnnounced
Covers US retail issuing and new payment experiences including agentic commerce.
DBS: Chief data officer sets out how DBS will govern agentic AIAnnounced
Nimish Panchmatia describes human-supervised governance, the PURE framework, the Responsible Data Use framework, the ADA platform and a cross-functional Responsible AI Committee, with over 10,000 staff on tailored AI learning roadmaps.
Optum Bank: Chief credit officer on agentic AI in small-business lendingAnnounced
American Banker panel: AI investment, silo-busting, evolution not revolution.
Synchrony: Agentic Commerce team and a Synchrony AgentPilot
The Incubation Lab's agentic commerce team works with Mastercard, Visa, Google and retailers and is building its own Synchrony Agent in Synchrony Marketplace to learn how agent-driven purchases affect financing and loyalty.
Customers Bank: Q3 2025 call: more than 100 agentic AI use casesAnnounced
Sidhu traces the programme to a cross-functional AI discovery team formed in December 2023, cites about a 10% productivity lift in various areas and says the bank is preparing to test over 100 agentic AI use cases.
Live Oak: Q3 2025 call: AI 'bigger' than the internet and cloudPilot
Chief Credit Officer Michael Cairns says developers all use Cursor, the insurance group is building its own agents for borrower-insurance follow-up, and Renato Derraik's team is building agentic AI 'both in-house and with partners'; President BJ Losch describes a lending-platform pilot that is 'completely AI-driven'.
Bread Financial: Q3 2025 call: 200-plus models across credit, collections, marketing and fraudAnnounced
Asked about AI and efficiency ratios, Andretta said Bread is a fast follower, that AI is not new to it, that over 200 machine learning models run across credit, collections, marketing and fraud, and that more than 100 processes have been improved with robotic process automation. He added that Bread will be ready with generative and agentic AI.
Atlantic Union: Asbury urges responsible use of generative and agentic AIAnnounced
In his final address as ABA chair, the CEO listed continuing to embrace generative and agentic AI in a responsible manner among the industry's tasks.
BancFirst: Webex customer post names BancFirst againIn production
According to Cisco Webex, BancFirst uses Webex AI Agent for internal support (vendor customer post; BancFirst has not announced the deployment).
Citizens: Q3 2025 deck: agentic AI call centre and agentic infrastructure on the Reimagine listAnnounced
The deck listed an agentic-AI-enabled call centre, building agentic AI infrastructure, AI-driven pricing, credit and collections, AI-driven fraud, KYC and AML tools, and further upskilling of AI/ML talent, with details promised for January.
Banner Bank: Glia award for AI assistantsAnnounced
Glia gave Banner its 2025 Harmonizer Award for unifying voice and digital service with AI agents that extend hours and hand off smoothly to human staff.
OCBC: Bank of Singapore announces agentic Source of Wealth AssistantIn production
The tool drafts know-your-customer source-of-wealth reports from client documents, cutting preparation from 10 days to an hour; relationship managers review the draft before internal assessment. The 2025 annual report says it launched in June 2025 in collaboration with OCBC's group data office.
SoFi: SoFi Tech Solutions publishes agentic-payments guideIn production
A strategic guide for banks and fintechs on AI agents that execute payments; it describes a market view and Galileo products for fraud controls, not an agent-payment product SoFi has launched.
State Street: COO of investment services studies agentic AI at MITAnnounced
Ann Fogarty: 'I want to really understand the opportunities there.'
Where do these rows come from?
Each row is a dated, sourced entry on a bank's profile on this site whose text is about AI agents; the quarter's page is that slice of the full tracker at https://www.bankingnewsai.com/ai-agents-in-banking/announcements. The stage is the one the bank describes. The narrative was written from these rows on Oct 26, 2026 and names only banks that appear in them.
Does this page still change?
Only if a bank profile adds a dated entry for October to December 2025 after the fact, which happens when an older release is found during a refresh. The narrative is dated Oct 26, 2026.
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