47 banks put 71 dated AI-agent moves on the record in Q1 2026 (January to March 2026): 23 describe an agent in production, 4 a rollout, 8 a pilot and 36 an announcement. The most active: BNY (4), Amex (4), Santander (4), NatWest (4) and OCBC (3). In production, for example: Amex, Shareholder letter: AI as accelerant (Mar 25, 2026, Bloomberg). 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 Q1 2026?
In the first quarter of 2026, banks made 69 recorded moves on AI agents across 47 banks, led by BNY, Amex, Santander and NatWest with four each. Many were annual filings: JPMorgan on February 13, Capital One on February 19, Citi on February 20 and BofA on February 25 carried risk factors on agentic or autonomous AI. Zions said on February 24 it uses no fully autonomous AI in critical decisions or client-facing activities, and the new OCBC CEO said on February 25 that agentic AI may not be ready today.
In production, BNY reported 134 digital employees on January 13, and OCBC's March 10 annual report said an agentic source-of-wealth tool cut KYC work from up to 10 days to about one hour. Commonwealth Bank described threat-hunting agents on March 17 that assess emerging threats in 30 minutes instead of two days, and NatWest said on February 13 that agentic pilots were delivering 10x gains.
On payments, DBS became the first Asia-Pacific issuer to pilot Visa Intelligent Commerce on February 16, Santander completed Europe's first live agent payment with Mastercard on March 2, JPMorgan partnered with Mirakl on March 10, Barclays joined Visa Agentic Ready on March 17, and HSBC took part in Hong Kong's first live agentic transaction on March 27. At quarter end, Santander's goal of more than EUR 1bn of AI value by 2028, PNC's $1.5 billion of AI-addressable spend and the Lloyds agentic AI research program with the University of Glasgow 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 Q1 2026?
BNY with 4 moves, Amex with 4 moves, Santander with 4 moves, NatWest with 4 moves, OCBC with 3 moves, Barclays with 3 moves, JPMorgan with 2 moves and Capital One with 2 moves. 14 of the 47 banks are groups outside the United States (Santander, NatWest, OCBC, Barclays and Lloyds and others).
What did each bank announce, and when?
Mar 202624 moves
Lloyds: Four-year agentic AI research programme with the University of GlasgowAnnounced
Each quarter, software and data engineers in Bristol, Manchester and Hyderabad work with agentic AI coding tools on a different type of task to measure the effect on quality and speed of delivery; successful approaches roll out to wider data teams and eventually all software and data engineering teams. The programme funds a PhD, a Masters of Research and a post-doctoral post, and is led for Lloyds by Head of Research Engineering Dr Shane Montague.
HSBC: First live agentic transaction in Hong Kong, with HSBCPilot
Mastercard completes an AI-agent ride booking using Agent Pay, conducted with HSBC and DBS Hong Kong, using tokenised credentials authenticated by Payment Passkeys.
BMO and BMO Financial Group: Investor Day AI scorecardAnnounced
Deck: 2,000+ developers targeting 20-30% productivity, about 10 million employee prompts, $1B+ PPPT by fiscal 2030; U.S. Banking slide lists AIM, Nova, Lexi, ARM and Aura. Darryl White: agentic AI is embedded in client services and credit decisioning.
Amex: Shareholder letter: AI as accelerantIn production
Squeri makes the case for the company's AI efforts after a stock-drop report; Graphite Business Cash card launches with agentic search and checkout.
Amex: Letter details internal AI deploymentRolling out
AI-assisted development tools reach more than 11,000 engineers (coding cycle time down over 30%); the company plans to pilot conversational AI agents for its legacy voice response systems and is piloting AI to classify fraud claims.
Atlantic Union: Annual report: 'exploring' AI, with an agentic-AI risk factorAnnounced
Some models already use AI or machine learning.
Standard Chartered: MAS AI risk toolkit lists Standard Chartered among 24 MindForge participantsAnnounced
The toolkit covers traditional, generative and agentic AI in three documents of 26, 173 and 23 pages; participants include DBS, Julius Baer, OCBC, Standard Chartered and UOB, and MAS will set up an AI risk management workgroup under BuildFin.ai.
OCBC: MAS AI risk-management toolkit includes OCBC as a participantAnnounced
OCBC is among 24 consortium members, with DBS, UOB, Standard Chartered and others, behind the MindForge toolkit covering traditional, generative and agentic AI.
UOB: UOB among 24 participants in MAS MindForge AI risk toolkitAnnounced
The toolkit covers traditional, generative and agentic AI; participants include DBS, Julius Baer, OCBC, Standard Chartered and UOB, and MAS is setting up an AI risk-management workgroup under BuildFin.ai.
ING: Morgan Stanley conference: 'Driving value through digitalisation, scalability and (Gen)AI'Rolling out
ING reports more than 90% of (Gen)AI pilots in production, more than 100 initiatives, instant consumer-credit decisions at 65% in the Netherlands, a first agentic mortgage assistant pilot live in the Netherlands, instant mortgages due in Germany within a year, and a decrease of about 1,250 Operations FTEs expected in 2026.
Barclays: Early issuing partner in Visa Agentic ReadyPilot
Visa launches a programme for issuers to test and validate agent-initiated payments in controlled production environments, starting in Europe and the UK; Barclays is among the early issuing partners listed.
Commonwealth Bank: In-house agentic threat-hunting tools describedIn production
At Gartner's Security and Risk Management Summit in Sydney, Andrew Pade said CBA built two agents because vendors could not keep pace: one assesses emerging threats in 30 minutes instead of two days, the other looks for indicators of compromise; weekly threat signals had risen from 80 million to over 400 billion.
Deutsche Bank and Deutsche Bank: 2025 Form 20-F includes an agentic-AI risk factorIn production
Hallucination, bias, explainability and autonomous agents that could 'distort or override defined objectives'; €1.5 billion of incremental investment including technology and AI to 2028.
Santander: Visa Intelligent Commerce pilot in five Latin American marketsPilot
Santander completes controlled agentic purchases in Argentina, Brazil, Chile, Mexico and Uruguay with Visa Intelligent Commerce (books in four markets, chocolates in Brazil), described as the first end-to-end AI-agent payments in Latin America.
BNY: BNY Pershing reports 160 'digital employees'Announced
Managing Director Ben Harrison tells an advisor conference the firm has agents with employee badge numbers and performance frameworks, overseen by human managers; the group-level count reported in April was about 140.
JPMorgan: J.P. Morgan Payments partners with Mirakl on agentic commercePilot
J.P. Morgan Payments integrates Mirakl Nexus, Mirakl's agentic commerce platform, into its payments infrastructure so AI agents can discover, evaluate and buy products on consumers' behalf: Mirakl handles product discovery, the order lifecycle and marketplace orchestration, while J.P. Morgan Payments provides payment processing, tokenization for AI agent transactions and fraud protection. American Banker reported the companies were beta testing with select retailers, with a broader release planned later in 2026.
Zions: Gemini platform, document AI, and 'no autonomous AI' in client decisionsPilot
The new leadership on AI governance, unstructured-document processing and a measured stance; stablecoin trials planned.
OCBC: 2025 annual report: Next Frontier strategy and agentic source-of-wealth toolIn production
Reports agentic AI in Bank of Singapore's KYC workflow (up to 10 days to about one hour), 20-30% less engineer coding and testing effort, an AI copilot for corporate relationship managers cutting preparation time by up to 30%, and about three in five employees trained in AI, digital or data over three years.
State Street: Manoj Bohra named chief data and AI officerAnnounced
Joined from Google Cloud, where he was a managing director advising financial institutions on data modernisation and generative and agentic AI, after more than two decades at Bank of America; the bank's bio gives him the global strategy for enterprise data, AI and advanced analytics.
Citizens: Proxy statement: AI and agentic AI in how the bank is runAnnounced
Reimagine the Bank described to shareholders.
Synchrony: Consumer survey: 56% used generative AI for holiday shoppingAnnounced
Synchrony's In Sync with Consumers survey finds 34% of generative-AI users compared products and 29% hunted for price; 41% of Gen Z expect to use an AI agent for shopping tasks; Carol Juel calls AI the newest shopping advisor.
Santander: Mastercard Agent Pay: Europe's first live agent paymentRolling out
A controlled-environment payment initiated by an AI agent through Santander's live payments infrastructure; the group's Matías Sánchez leads cards and digital solutions.
Eastern Bank: 2025 10-K: AI 'not currently material'Announced
Defines generative and agentic AI; risks named include flawed or biased data, opaque models, evolving state and federal AI law, agentic-AI synthetic-identity and deepfake fraud, and vendors adding AI to their products.
Santander: Europe's first live agentic payment with MastercardPilot
Santander and Mastercard complete a live end-to-end payment executed by an AI agent using Mastercard Agent Pay, in a controlled environment through Santander's live payments infrastructure; Finextra reports it is still a pilot, not a commercial rollout.
Feb 202636 moves
Valley: 2025 10-K: AI risk factor and an AI governance functionAnnounced
Valley says it has made and will keep making investments in generative, machine-learning and agentic AI, and has implemented an AI governance, oversight and strategic facilitation function covering risk assessment of internal and vendor AI, due diligence, model validation and controls.
BNY: Patent application: orchestrating interaction with an AI applicationAnnounced
US 2026/0057262 A1 describes an AI agent that turns a user message into an inference process, checks an API repository for missing inputs and then executes it.
TD: Q1 fiscal 2026 call: US ML models in transaction monitoring, new KYC platform liveIn production
Salom: the new KYC platform went live to business users that month and more ML models follow in coming quarters; Chun: first scaling of agentic AI in real-estate lending, C$1 billion AI target split C$500 million revenue and C$500 million expense, with upside beyond it.
Atlantic Union: Form 10-K filed with AI model and agentic-AI risk languageAnnounced
Says some models use AI or machine learning, that third-party AI models limit visibility into training data, and that generative models may produce incorrect outputs or release confidential information.
BankUnited: 10-K: current AI use 'not material'Announced
Risk factor on generative and agentic AI, opaque models and vendors' AI.
ING: 2025 Form 20-F: AI Risk Committee and seven-country chatbotsIn production
The annual report says contact centres underwent a GenAI transformation with chatbots live in seven countries, KYC models and AI-driven customer due diligence were introduced, a dedicated central AI Risk Committee was set up for voicebots and agentic AI, and data fluency training reached more than 8,700 participants; a risk factor says AI governance and model-risk controls are being implemented for the EU AI Act.
TD Bank Group: Q1 2026 call: about C$170 million of AI value in 2025Announced
The bank says AI delivered about $170 million in 2025; Chun says the generative knowledge-management tool has reached more than 1,000 Canadian branches and the agentic mortgage project is scaling; the CFO targets $150 million of insurance claims-cost savings.
NatWest: CFO: all complaint letters AI-written with a human checkAnnounced
At a sell-side roundtable Katie Murray said 100% of complaint letters are now produced by AI with a human check, that a further agent for deciding complaint outcomes was being rolled in, and that the bank expected to create another £100 million or more of investment capacity in 2026; she said there was no single point at which AI would solve the cost target.
BofA: 2025 10-K: autonomous AI agents and third-party models as risksIn production
The annual report says expanded use of AI, 'including emerging third-party AI services and autonomous AI agents', may bring data risk, unpredictable system interactions and AI failure, and notes internal AI governance frameworks.
TD: Branch Virtual Assistant expands nationally; agentic lending capability scalesAnnounced
Q1 fiscal 2026 report; CFO targets $150 million of claims-cost cuts with AI.
Ally: 2025 10-K adds a stand-alone AI risk factorAnnounced
Covers generative AI and AI agents producing incorrect or biased output, explainability of frontier models, reliance on a small number of frontier-model developers and state AI laws (Utah, Colorado, Texas, California, New York).
Simmons Bank: 2025 10-K: AI risk factor names agentic AIIn production
Third-party AI models bring risks from how they are developed, trained and deployed; generative models may produce incorrect outputs, release confidential information or reflect biases; AI regulation is uncertain.
Banner Bank: 2025 10-K: AI risk factorAnnounced
Model risk, biased data, black-box explainability, data poisoning and over-reliance on AI; generative and agentic AI named as competitive threats; origination system implemented during 2025.
Santander: Investor day: more than EUR 1bn of AI business value by 2028Announced
Data and AI are called a key lever of ONE Transformation, contributing around one percentage point of cost-to-income improvement; Bloomberg reports about EUR 300m of extra revenue and about EUR 700m of lower costs, with agentic commerce and 'primacy with customers' among the levers.
OCBC: Next Frontier strategy launched; Tan says agentic AI may not be readyIn production
At the Q4 2025 briefing the new CEO set out four shifts including a tech shift built on AI, digital and data, with the cost-to-income ratio held at low to mid 40 per cent. He said some AI technologies were mature enough to have created business synergies, but agentic AI, while promising, may not be ready today. The Business Times reported the bank would invest in using AI internally.
Zions: 2025 10-K: early-stage AI, human review, a Data and AI Governance CommitteeAnnounced
No fully autonomous AI in critical decisions or client-facing activities; risk factor covers hallucinations, bias, confidential-data disclosure and AI-enabled fraud.
Western Alliance: 2025 10-K adds a dedicated AI risk factorIn production
The development and use of AI by the bank or its third- and fourth-party vendors carries risks including 'hallucinations', bias, data leakage and limited transparency of generative or agentic models; AI adoption also adds cyber entry points.
Citi: 2025 10-K: a dedicated AI risk factorIn production
Citi expects to integrate generative AI more broadly, 'including advanced AI capabilities, such as autonomous agents'; it also reports using AI to support governance of data in key regulatory reports and retiring 548 applications in 2025.
Capital One: 2025 10-K: 'our evolving use of AI' is a risk factorIn production
Models and AI in pricing, fraud detection, loan grading, credit and software development; agentic-commerce fraud liability; uncertain IP protection for AI output.
State Street: 2025 10-K: AI, generative AI and agentic AI in the risk factorsAnnounced
AI and machine-learning models used in regulatory capital must comply with the model risk management framework; agentic AI named among technologies requiring 'substantial systems development and expense'.
Old National: 2025 10-K names AI a risk factorIn production
Covers AI 'including digital employees and digital engineers' used by the bank and its vendors, and the risk of failing to achieve expected productivity or cost reduction from AI.
First Financial Bank: 2025 10-K: stand-alone AI risk factorIn production
AI, generative AI, LLMs and AI agents used by customers, vendors and competitors raise fraud, cyber and competitive risk; implementing them can bring data leakage, model bias and decision errors; vendors are asked how they use these tools.
NatWest: CIO frames 2026 as the year transformative AI becomes realAnnounced
Group CIO Scott Marcar wrote that 2025 was about building AI capabilities and 2026 the year the building blocks of transformative AI become a reality, citing a £1.2 billion technology, data and AI investment in 2025 and 25,000 customers due to get an agentic assistant in Cora by the end of the quarter.
DBS: First Asia-Pacific issuer to pilot Visa Intelligent CommercePilot
DBS and Visa demonstrated AI agents completing food and beverage purchases with DBS/POSB cards through issuer-controlled flows, as groundwork for agent-initiated payments.
JPMorgan: 2025 10-K adds a generative and agentic AI risk factorIn production
The annual report lists AI system failures, biased or inaccurate output, agentic systems acting on sensitive data, AI-enabled cyber threats, evolving AI law and AI-driven workforce displacement as risks.
Bread Financial: 10-K: AI knowledge tool, AI risk factor, agentic commerceAnnounced
The 2025 10-K cites an AI-powered knowledge-management solution for care associates, possible use of deep learning and AI tools in credit risk, a Pluralsight-based AI-in-data-science training cohort, and a risk factor on AI regulation, model risk, deepfakes and agentic commerce.
NatWest: FY2025 results: AI deployment at scale and a published AI roadmapIn production
The 2025 results and slides reported Cora at about 13 million conversations, AI call summarisation saving more than 70,000 hours a year, a Chief AI Research Office building proprietary small language models, a piloted fully agentic software-development approach with a more-than-10x productivity gain, and a roadmap running through a Fraud Triage Agent (Q2 2026), Cora voice-to-voice (H2 2026) and 'Cora: Your Homebuying Agent' beyond 2026. The bank said it had accelerated AI and data transformation through partnerships with OpenAI, AWS and Accenture.
NatWest: CEO on the results call: about 35% of code written by AI, agentic pilots at 10xIn production
On the FY2025 results call Paul Thwaite said circa 35% of code was written by AI across around 12,000 engineers, and that pilots of fully agentic software development in the international business and in financial crime were delivering 10x productivity gains under human oversight. The slides listed more than 12,000 coders, double the 2023 figure.
First Horizon: CEO at Bank of America: 10 AI teams, agentic customer service, coding gainsAnnounced
Bryan Jordan says the bank is automating credit underwriting, looking at agentic AI in customer service, and that coding work a software engineer might spend about three weeks on is taking two hours; the CFO adds that AI fraud rules can be built in a day or two and that Salesforce's agentic marketing raised offer take rates.
PNC: BofA conference: the 'Big Five', $1.5 billion of AI-addressable spendAnnounced
CFO Rob Reilly names software, retail operations, AML compliance, the client care centre and commercial loan processing (Midland); the new mobile app was '100%' agentic coding; on vendors, 'everybody, and a lot in-house'.
Morgan Stanley: Finn: 'super agents' from thousands of smaller agents; 3,500 toolsRolling out
At the UBS financial services conference, the head of wealth management describes super agents that answer client questions, open accounts and move money, with the advisor approving each recommendation, and names the Roth Conversion Analyst; Morgan Stanley fell about 2.4% on the day Altruist's AI tax tool hit wealth-manager stocks.
Barclays US and Barclays: 20-F names AI a US Consumer Bank focus areaIn production
Barclays PLC's 2025 annual report lists 'digitisation and AI' among USCB focus areas; 96.2% of interacting customers use digital channels and the cost-to-income ratio fell to 45%. A group risk factor covers generative and agentic AI.
BNY: 134 'digital employees'; $3.8 billion tech spendAnnounced
CNBC: about 19% of revenue, the highest proportion among peers.
Amex: 10-K: agentic commerce as a competitive and model riskAnnounced
Autonomous AI agents transacting for users could disintermediate customer relationships; AI flaws, bias and hallucinations listed among the risks.
Synchrony: 2025 10-K names agentic commerce and gen-AI fraud as risksIn production
AI shopping agents may select the payment method; generative AI may raise information-security and fraud risk, including convincing false identities; the filing also lists generative-AI risk among the areas overseen by management subcommittees that report to the Board.
Barclays: GenAI call summaries at Barclays US Consumer BankAnnounced
More than eight million customer calls summarised since October 2025; described as part of a broader global strategy to use agentic and generative AI.
Jan 202611 moves
Lloyds: FY2025: GenAI delivered about £50 million; over £100 million expected in 2026In production
More than 50 generative AI solutions deployed in 2025; the group will scale agentic AI in 2026 and fully roll out its AI financial assistant. The CEO tells reporters bankers will need to reskill.
Stifel Bank: Stifel Bank named banking partner of agentic-AI firm Kore.aiAnnounced
Kore.ai's growth-investment release thanks 'our banking partner Stifel Bank'.
Wells Fargo: AWS executive hired to expand AI useAnnounced
Faraz Shafiq to study company-wide needs for generative and agentic AI and manage those products.
Capital One: Q4 2025 call: a stack built 'working backwards from the AI revolution'In production
Fairbank says the bank is 'now building AI solutions across our businesses' and that Brex has deployed in-house AI agents for expense management and audit.
Old National: Quavo Customer Confidence AwardAnnounced
Highest client satisfaction in dispute resolution, judged by an agentic-AI disputes provider.
WaFd Bank: AWS lists WaFd among Talkdesk CXA customersAnnounced
An AWS partner blog on agentic customer-experience automation says WaFd modernised its customer experience centre with the Talkdesk Financial Services Experience Cloud, integrating conversational AI into existing systems.
Santander: Getnet sets out its agentic-commerce strategyPilot
With a report by Monitor Deloitte, Getnet describes agent identification and validation, standardised APIs for agent-initiated payments and interoperability with industry protocols, building on its Single Entry Point API; it cites estimates that agentic AI will influence up to 30% of global e-commerce value by 2030.
PNC: Q4 2025 call: 171 opportunities, $1.4 billion addressable spend, 40 more points of operating leverage by 2030Announced
Automation in retail and care-centre operations delivered about 30 points of operating leverage in 2022–25; the AI target is another 40 by 2030; technology spend of about $3.5 billion rises about 10%, with AI 20% of the increase; 'agentic AI for coding' is the headcount example.
U.S. Bank: Innovation team launches AI and blockchain centres of excellenceIn production
After CES, chief innovation officer Don Relyea says the AI Center of Excellence is building agentic, automated services into apps and online banking and working with partners such as Mastercard on agentic commerce.
BNY: FY2025 scorecard: 99% of staff on Eliza, 160 solutions, 134 digital employeesIn production
The fourth-quarter deck adds more than 60 AI-related patent applications; on the call the CFO says BNY still spends more on cyber resiliency than on AI.
Amex: Amex Digital Labs profileAnnounced
Luke Gebb says the lab brings about 15 to 20 initiatives to market a year; it built the first servicing chatbot and the Dining Companion and works with Google and Cloudflare on agentic transaction standards.
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 January to March 2026 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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