# AI agent announcements by bank, 2026: the dated record Source: https://www.bankingnewsai.com/ai-agents-in-banking/announcements Record last changed: Oct 28, 2026 85 banks put 285 dated AI-agent moves on the record in 2026 (to Oct 19, 2026): 71 in production, 21 rolling out, 34 pilots, 158 announcements. 355 moves by 90 banks since Dec 31, 2022, 436 sources. ## Most active banks, 2026 1. [Amex](https://www.bankingnewsai.com/banks/american-express/ai-agents) — 19 moves 2. [ING](https://www.bankingnewsai.com/banks/ing/ai-agents) — 10 moves 3. [NatWest](https://www.bankingnewsai.com/banks/natwest/ai-agents) — 10 moves 4. [Capital One](https://www.bankingnewsai.com/banks/capital-one/ai-agents) — 9 moves 5. [Synchrony](https://www.bankingnewsai.com/banks/synchrony/ai-agents) — 8 moves 6. [Santander](https://www.bankingnewsai.com/banks/santander/ai-agents) — 8 moves 7. [HSBC](https://www.bankingnewsai.com/banks/hsbc/ai-agents) — 8 moves 8. [BNY](https://www.bankingnewsai.com/banks/bny-mellon/ai-agents) — 7 moves 9. [DBS](https://www.bankingnewsai.com/banks/dbs/ai-agents) — 7 moves 10. [Lloyds](https://www.bankingnewsai.com/banks/lloyds/ai-agents) — 7 moves 11. [TD](https://www.bankingnewsai.com/banks/td-bank-us/ai-agents) — 6 moves 12. [HSBC](https://www.bankingnewsai.com/banks/hsbc-usa/ai-agents) — 6 moves 13. [Customers Bank](https://www.bankingnewsai.com/banks/customers/ai-agents) — 6 moves 14. [TD Bank Group](https://www.bankingnewsai.com/banks/td-bank-group/ai-agents) — 6 moves 15. [OCBC](https://www.bankingnewsai.com/banks/ocbc/ai-agents) — 6 moves ## Quarterly roundups - [Q4 2026](https://www.bankingnewsai.com/ai-agents-in-banking/2026-q4) — 15 moves - [Q3 2026](https://www.bankingnewsai.com/ai-agents-in-banking/2026-q3) — 102 moves - [Q2 2026](https://www.bankingnewsai.com/ai-agents-in-banking/2026-q2) — 97 moves - [Q1 2026](https://www.bankingnewsai.com/ai-agents-in-banking/2026-q1) — 71 moves - [Q4 2025](https://www.bankingnewsai.com/ai-agents-in-banking/2025-q4) — 32 moves - [Q3 2025](https://www.bankingnewsai.com/ai-agents-in-banking/2025-q3) — 20 moves ## Per-bank timelines - [Amex](https://www.bankingnewsai.com/banks/american-express/ai-agents) — 21 moves - [Capital One](https://www.bankingnewsai.com/banks/capital-one/ai-agents) — 12 moves - [NatWest](https://www.bankingnewsai.com/banks/natwest/ai-agents) — 11 moves - [ING](https://www.bankingnewsai.com/banks/ing/ai-agents) — 10 moves - [Lloyds](https://www.bankingnewsai.com/banks/lloyds/ai-agents) — 10 moves - [BNY](https://www.bankingnewsai.com/banks/bny-mellon/ai-agents) — 9 moves - [Synchrony](https://www.bankingnewsai.com/banks/synchrony/ai-agents) — 9 moves - [HSBC](https://www.bankingnewsai.com/banks/hsbc/ai-agents) — 8 moves - [Santander](https://www.bankingnewsai.com/banks/santander/ai-agents) — 8 moves - [DBS](https://www.bankingnewsai.com/banks/dbs/ai-agents) — 8 moves - [PNC](https://www.bankingnewsai.com/banks/pnc/ai-agents) — 7 moves - [TD](https://www.bankingnewsai.com/banks/td-bank-us/ai-agents) — 7 moves - [HSBC](https://www.bankingnewsai.com/banks/hsbc-usa/ai-agents) — 7 moves - [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank-us/ai-agents) — 7 moves - [Customers Bank](https://www.bankingnewsai.com/banks/customers/ai-agents) — 7 moves - [OCBC](https://www.bankingnewsai.com/banks/ocbc/ai-agents) — 7 moves - [Citi](https://www.bankingnewsai.com/banks/citigroup/ai-agents) — 6 moves - [State Street](https://www.bankingnewsai.com/banks/state-street/ai-agents) — 6 moves - [Citizens](https://www.bankingnewsai.com/banks/citizens/ai-agents) — 6 moves - [Ally](https://www.bankingnewsai.com/banks/ally/ai-agents) — 6 moves - [Axos Bank](https://www.bankingnewsai.com/banks/axos/ai-agents) — 6 moves - [Bread Financial](https://www.bankingnewsai.com/banks/bread-financial/ai-agents) — 6 moves - [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank/ai-agents) — 6 moves - [TD Bank Group](https://www.bankingnewsai.com/banks/td-bank-group/ai-agents) — 6 moves - [JPMorgan](https://www.bankingnewsai.com/banks/jpmorgan-chase/ai-agents) — 5 moves ## The tracker, newest first ### Oct 2026 | Date | Bank | Move | Stage | Source | |---|---|---|---|---| | 2026-10-19 | [Santander](https://www.bankingnewsai.com/banks/santander) | **NVIDIA: Model Arena, specialised models and a three-year collaboration framework** Santander AI Lab built Model Arena to evaluate open-weight models against banking tasks, specialises models with NVIDIA NeMo Customizer, uses NVIDIA Kumo models for structured data and runs inference in its own architecture with NVIDIA Dynamo-Triton; in selected experimental use cases serving costs fell from around €5 to approximately €0.03 per interaction. A new three-year framework with NVIDIA covers foundation models, AI agents, fraud and AML, real-time decisioning and simulation including a banking digital twin. | Pilot | [Banco Santander newsroom, Oct 19, 2026](https://www.santander.com/en/press-room/press-releases/2026/10/santander-builds-ai-capabilities-that-improve-performance-and-lower-costs-using-nvidia-ai-infrastructure) | | 2026-10-13 | [JPMorgan](https://www.bankingnewsai.com/banks/jpmorgan-chase) | **Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million** Dimon says the bank will not let outside agents operate inside accounts and warns of a 'liability transfer' to customers who use them; the Smart Cash pilot is under way; Barnum puts annual AI spend nearer $700 million than the $2 billion cited a year earlier, calls that figure stale and says AI benefits are not yet visible in results. | Policy | [Banking Dive, Oct 13, 2026](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870) | | 2026-10-13 | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | **Q3 2026 call: AI agents in code, marketing, cyber, underwriting** Scharf cites 'significant management time and resources' on AI and says the Wealth tool is 'the first of several capabilities' in a broader AI strategy; the earnings release reports headcount down 8% year on year. | Announced | [Wells Fargo newsroom, Oct 13, 2026](https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf) | | 2026-10-13 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) and [TD Bank Group](https://www.bankingnewsai.com/banks/td-bank-group) | **Agentic AI extended to mortgage funding and discharge** Two new capabilities coordinate document checks across systems; funding case review in up to half the time; builds on pre-adjudication, which fell from 15 hours to under three minutes. | Rolling out | [TD Bank Group (Canada Newswire via Yahoo Finance), Oct 13, 2026](https://finance.yahoo.com/technology/ai/articles/td-expands-agentic-ai-across-093000362.html) | | 2026-10-13 | [BBVA](https://www.bankingnewsai.com/banks/bbva) | **First European bank to join the Poppy agent protocol** BBVA becomes a design partner in the Sierra AI and Meta draft protocol that lets users authorise AI agents to act with companies; no BBVA service or date is announced. | Announced | [BBVA newsroom, Oct 13, 2026](https://www.bbva.com/en/innovation/bbva-helps-design-a-common-protocol-led-by-sierra-ai-and-meta-to-connect-ai-agents-with-businesses/) | | 2026-10-09 | [HSBC](https://www.bankingnewsai.com/banks/hsbc-usa) and [HSBC](https://www.bankingnewsai.com/banks/hsbc) | **Ant Digital test: AI agents pay with HSBC tokenised deposits** A technical verification test, not a launch, used the Tokenised Deposit Service, now available in the US, with real-time risk checks through HSBC's MCP interface. | Announced | [Ant Digital Technologies (PR Newswire via Yahoo Finance), Oct 9, 2026](https://finance.yahoo.com/technology/ai/articles/ant-digital-technologies-hsbc-announce-063000243.html) | | 2026-10-08 | [Amex](https://www.bankingnewsai.com/banks/american-express) | **Agentic commerce playbook and merchant advisory council** Reported October 8 (released earlier that week): Amex releases a Teneo survey in which about two-thirds of US consumers use AI tools to compare prices and only 15% would let an agent make expensive purchases, and says it is convening a merchant advisory council. | Announced | [Payments Dive, Oct 8, 2026](https://paymentsdive.com/news/amex-advises-businesses-on-ai/832423) | | 2026-10-08 | [RBC](https://www.bankingnewsai.com/banks/rbc) | **OSFI semi-annual risk outlook centres on frontier AI** OSFI says frontier AI amplifies cyber, technology, third-party and reputational risks, notes two 2026 technology risk bulletins on generative and agentic AI and on frontier AI, and says boards and senior management remain accountable. | Announced | [Office of the Superintendent of Financial Institutions, Oct 8, 2026](https://www.osfi-bsif.gc.ca/en/about-osfi/reports-publications/annual-risk-outlook-semi-annual-update-fiscal-year-2026-2027) | | 2026-10-07 | [OCBC](https://www.bankingnewsai.com/banks/ocbc) | **MAS issues final AI Risk Management Guidelines** The guidelines apply to all financial institutions, including OCBC, and take effect on 7 October 2027 for sections 3 and 4 and 7 October 2028 for sections 5 and 6. They cover board oversight, lifecycle controls and accountability for third-party AI; MAS plans to consult on agentic AI guidance in 2027. | Announced | [The Business Times, Oct 7, 2026](https://businesstimes.com.sg/singapore/economy-policy/mas-rolls-out-ai-risk-management-guidelines-singapores-financial-sector) | | 2026-10-06 | [BBVA](https://www.bankingnewsai.com/banks/bbva) | **Strategic Talks #2: 'The Frame' presented to investors** Torres Vila, Bravo and Casas present the agent framework; BBVA reports assistants filtering over half of relationship-manager conversations in Spain, voice agents resolving close to 90% of interactions in pilots in Peru and Mexico, developer productivity up about 28%, and plans to roll Blue out to customers gradually in 2027. | Rolling out | [BBVA newsroom, Oct 6, 2026](https://www.bbva.com/en/innovation/bbva-creates-a-model-to-scale-ai-across-the-group-and-drive-its-customer-centric-transformation/) | | 2026-10-01 | [BNY](https://www.bankingnewsai.com/banks/bny-mellon) | **Russell profile: usage up from about 20% to 99% trained in a year** American Banker says about 20% of staff used Eliza at the start of 2025 against a 65% year-end target; 99% were trained within six months, more than 50% build agents and over 60% of code is built with AI help. It also credits Russell with digital employees that detect and fix code vulnerabilities, now more than 150. | In production | [American Banker, Oct 1, 2026](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-18-leigh-ann-russell-bny) | | 2026-10-01 | [State Street](https://www.bankingnewsai.com/banks/state-street) | **Fogarty: agentic AI 'moved into production', driverless NAV live** American Banker profile says State Street has moved agentic AI capabilities into production under Fogarty's oversight of businesses accounting for more than 80% of consolidated revenue, using automation and AI to reduce manual transactions and aged back-office cash settlements and to improve accounting productivity through 'driverless NAV' technology. | Announced | [American Banker, Oct 1, 2026](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-finance-19-ann-fogarty-state-street) | | 2026-10-01 | [M&T](https://www.bankingnewsai.com/banks/mt-bank) | **Rajwani on AI agents and deposit runs** Speaking for herself, she says agents could make deposit movement faster and more coordinated, but adoption is limited by trust, authentication and liability questions. | Announced | [American Banker, Oct 1, 2026](https://americanbanker.com/news/ai-agent-bank-runs-possible-but-unlikely-experts-say) | | 2026-10-01 | [Amex](https://www.bankingnewsai.com/banks/american-express) | **Marrs: agentic commerce is 'less about tech and more about trust'** Group President of Global Merchant and Network Services Anna Marrs tells American Banker that Amex supports the Agent Payments protocol (an open standard with Google, PayPal and 60-plus other companies) and that AI agents already automate parts of credit underwriting, fraud detection and personalised customer service. | Announced | [American Banker, Oct 1, 2026](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-finance-13-anna-marrs-american-express) | | 2026-10-01 | [Barclays](https://www.bankingnewsai.com/banks/barclays) | **Co-COO on model choice and agentic AI** American Banker quotes Anne Marie Darling that Barclays is not using the most expensive model to go around the block; it reports about 70% of core enterprise data standardised and more than 250 AI-enabled tools and models introduced. | Announced | [American Banker, Oct 1, 2026](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-24-anne-marie-darling-barclays) | ### Sep 2026 | Date | Bank | Move | Stage | Source | |---|---|---|---|---| | 2026-09-30 | [Amex](https://www.bankingnewsai.com/banks/american-express) | **Next-generation Amex Corporate launched, with AI agents planned for fall** New Corporate Cashback Card, expense-management software and the Amex Expense app integrate; Amex says it will introduce an expense agent (reaching employees via SMS/Slack to suggest and help submit expense details) and an insights agent for analysing spending data, plus Accounts Payable software, later in fall 2026. | Rolling out | [American Express (Business Wire via Yahoo Finance), Sep 30, 2026](https://finance.yahoo.com/small-business/articles/american-express-delivers-next-generation-110000142.html) | | 2026-09-30 | [Standard Chartered](https://www.bankingnewsai.com/banks/standard-chartered) | **Trust Bank's Claude-based incident agents reported** Computer Weekly reports that Trust runs AI agents on Amazon Bedrock AgentCore that post a likely root cause before engineers join an incident call, cutting triage to about two minutes; it uses Claude Opus 5 for reasoning and Claude Haiku for simpler tasks, and the agents recommend rather than act. | Announced | [Computer Weekly, Sep 30, 2026](https://www.computerweekly.com/news/366651387/Trust-Bank-cuts-incident-triage-time-to-two-minutes-with-AI-agents) | | 2026-09-30 | [Société Générale](https://www.bankingnewsai.com/banks/societe-generale) | **Group CDO on agentic payments at Sibos 2026** Christophe Tummers, Group Chief Data Officer, sits on a Sibos panel on agentic payments, where speakers say identity verification and trust frameworks must be in place before autonomous payments scale; Société Générale's programme lists the session 'Agentic payments: defining the blueprint for autonomous payments at scale'. | Announced | [Societe Generale, Jul 22, 2026](https://wholesale.banking.societegenerale.com/en/news-insights/all-news-insights/news-details/news/sibos-2026) | | 2026-09-29 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | **Natarajan: cutting latency and token costs with smaller, open-weight models** Chief enterprise AI officer Prem Natarajan says the bank has put more emphasis on agentic AI infrastructure to reduce latency and lower token costs, building customised open-weight and specialised models with less context targeted at the desired output; customer-service agents now edit only one-fifth of AI-drafted copy. | Announced | [Fortune, Sep 29, 2026](http://fortune.com/2026/09/29/how-banks-are-using-ai-agents-copilots-roi) | | 2026-09-29 | [Citizens](https://www.bankingnewsai.com/banks/citizens) | **Coughlin: engineers now 30-40% more productive with AI** American Banker reports the average Citizens engineer is 30% to 40% more productive than a year earlier under the three-year, $300 million Reimagine the Bank project; Coughlin says the role is evolving toward engineers overseeing multiple AI agents, and that AI-existential-risk warnings have 'not really' changed the project's direction. | Announced | [American Banker, Sep 29, 2026](https://www.americanbanker.com/news/tech-leaders-say-ai-could-end-humanity-banks-still-love-it) | | 2026-09-29 | [Valley](https://www.bankingnewsai.com/banks/valley) | **Robbins on CNBC: AI agents not a threat to regional banks** The CEO appears on Power Lunch to discuss whether AI could affect regional banks. | Announced | [CNBC, Sep 29, 2026](https://cnbc.com/video/2026/09/29/valley-national-ceo-ira-robbins-ai-agents-not-a-threat-to-regional-banks.html) | | 2026-09-28 | [JPMorgan](https://www.bankingnewsai.com/banks/jpmorgan-chase) | **Joins Nvidia-led push for open-source AI agent safety tools** JPMorgan signs on to a shared, open-source safety effort for AI agents led by Nvidia, as the industry works out how to give agents more autonomy without losing control. | Announced | [Yahoo Finance, Sep 28, 2026](https://finance.yahoo.com/news/jpmorgan-stock-slips-1-bank-170131116.html) | | 2026-09-28 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | **Shetty: 'agentic AI now must be treated as an end-to-end system'** VP of enterprise AI Rashmi Shetty says 14 years of data-infrastructure work gives agents a strong foundation and context, and that the bank adopts platform-first governance — rule-based validation, sandbox simulations, observability of agent trajectories, standardised harnesses and human-in-the-loop controls for high-risk actions — before developers build agents, rather than retrofitting it later. | In production | [CIO Dive, Sep 28, 2026](https://www.ciodive.com/news/capital-one-agentic-ai-strategy/831435/) | | 2026-09-25 | [Huntington](https://www.bankingnewsai.com/banks/huntington) | **Vakharia on AI in bank marketing** The new chief marketing and digital products officer says customer research is moving to large language models and agentic AI, and that marketing uses AI tools internally for creative development, reviews and workflow. | Announced | [Banking Dive, Sep 25, 2026](https://bankingdive.com/news/huntington-bank-marketing-digital-brand-customer-experience-vakharia/831361) | | 2026-09-25 | [M&T](https://www.bankingnewsai.com/banks/mt-bank) | **FinTech Futures profiles the RDC.AI deployment at M&T** Describes portfolio monitoring with predictive models and agentic workflows, where staff can override or reject recommendations. | Announced | [FinTech Futures, Sep 25, 2026](https://fintechfutures.com/ai-in-fintech/bringing-explainable-ai-to-commercial-and-business-banking) | | 2026-09-24 | [Fulton](https://www.bankingnewsai.com/banks/fulton) | **Salesforce cites Fulton's Agentforce rollout at Dreamforce** First agent set up in one hour after first hearing of Agentforce, power users within a week, 3,000 employees six weeks later; the Hunter outbound sales agent targeted $340,000 of at-risk pipeline. | In production | [Salesforce, Sep 24, 2026](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/) | | 2026-09-24 | [BNP Paribas](https://www.bankingnewsai.com/banks/bnp-paribas) | **Five-year Google Cloud partnership for agentic AI** BNP Paribas and Google Cloud announced a five-year partnership giving access to Gemini Enterprise and Gemini models, starting with agents for corporate credit memos in CIB and Gemini inside LLM@CIB; Nickel Assist already runs on Gemini for 200 customer advisers. | Announced | [BNP Paribas newsroom, Sep 24, 2026](https://group.bnpparibas/en/press-release/bnp-paribas-and-google-cloud-announce-new-partnership-on-agentic-ai-and-cloud-innovation) | | 2026-09-23 | [BofA](https://www.bankingnewsai.com/banks/bank-of-america) | **DeMare: coding is the clearest AI return** At a BofA Securities conference the co-president says about 20,000 developers use coding agents for a 15% to 20% gain, about 95% of staff have AI access, and the bank is assessing third-party providers; Gopalkrishnan says AI investment interest is more than twice last year's and spending will probably double. | Announced | [Banking Dive, Sep 23, 2026](https://www.bankingdive.com/news/bank-of-america-ai-spending-roi-headcount-moynihan/831159) | | 2026-09-23 | [Santander](https://www.bankingnewsai.com/banks/santander-us) and [Santander](https://www.bankingnewsai.com/banks/santander) | **Santander AI Lab launches A2K, a protocol for agent-to-knowledge access** An open specification, running over MCP, A2A and HTTPS, that lets enterprise AI agents discover, select, query, cite, audit and reconcile knowledge bases with scoped authority and lifecycle management. | Announced | [Banco Santander (archived copy of 24 September 2026; original page offline as of 26 October 2026) newsroom, Sep 23, 2026](https://web.archive.org/web/20260924165103/https://www.santander.com/en/stories/a2k-a-new-protocol-for-connecting-ai-agents-to-governed-auditable-enterprise-knowledge) | | 2026-09-23 | [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank-us) and [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank) | **Agentic Source of Wealth KYC tool live in Singapore and Hong Kong** Human-in-the-loop automation of source-of-wealth research for the Private Bank, with a wider rollout planned and a 30% rise in emerging-markets onboarding volumes expected in 2026; no US booking centre is named. | Rolling out | [Finextra, Sep 23, 2026](https://finextra.com/newsarticle/48452/deutsche-bank-estimates-30-uplift-in-client-onboarding-by-deploying-kyc-ai) | | 2026-09-23 | [ING](https://www.bankingnewsai.com/banks/ing) | **CEO at the BofA conference: 600 AI staff, Google as main partner** Steven van Rijswijk describes a centralised approach with clear use cases, 600 people working in AI (300 in a hub in Türkiye), Google as the main partner via VISTA, agentic mortgages cutting complex cases from seven to five days, and conversational banking and a 75% chatbot share to come. | Announced | [Investing.com, Sep 23, 2026](https://investing.com/news/transcripts/ing-at-bank-of-america-31th-annual-financials-ceo-conference-growth-lifts-targets-93CH-4912460) | | 2026-09-22 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | **Agentic-commerce principles with five other banks** With Bank of America, CBA, ING, NatWest and ASB, a paper on transparency, safety, privacy and data, choice and interoperability. | Announced | [American Banker, Sep 23, 2026](https://www.americanbanker.com/payments/news/are-banks-falling-behind-on-agentic-commerce-standards) | | 2026-09-22 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) | **US CIO on guardrails against 'rogue' agentic AI swarms** Kiran Vuppu tells American Banker that agents given a goal can take many possible routes to it, so banks cannot predict every scenario and need continuous monitoring of agent reasoning (chain-of-thought observability) alongside guardrails and human oversight at both design and operational stages. | In production | [American Banker, Sep 22, 2026](https://www.americanbanker.com/news/banks-batten-down-the-hatches-for-rogue-ai-agent-swarms) | | 2026-09-22 | [HSBC](https://www.bankingnewsai.com/banks/hsbc-usa) and [HSBC](https://www.bankingnewsai.com/banks/hsbc) | **Investment in Promenaut; agent orchestration goes live** Chief AI officer David Rice joins Promenaut's board after an HSBC investment; the agentic-workflow platform runs business-case evaluation and pre-coding steps in the software delivery lifecycle, with permissions, audit trails and human-in-the-loop controls. | In production | [Finextra, Sep 22, 2026](https://www.finextra.com/newsarticle/48450/agent-workflow-platform-promenaut-goes-live-at-hsbc) | | 2026-09-22 | [Raymond James](https://www.bankingnewsai.com/banks/raymond-james) | **Meta's Muse reignites the AI selloff** Raymond James shares shed 3.5% as LPL fell 7% and Schwab 6% on fears of consumer AI agents for investors. | Announced | [CNBC, Sep 23, 2026](https://www.cnbc.com/2026/09/23/metas-muse-ai-causes-schwab-selloff.html) | | 2026-09-22 | [ING](https://www.bankingnewsai.com/banks/ing) | **Six banks publish principles for agentic commerce** ING co-authors a paper with ASB Bank, Bank of America, Capital One, Commonwealth Bank of Australia and NatWest calling for transparency, safety, privacy and data, choice and interoperability, including an auditable record of what a customer asked an agent to do. | Announced | [ING Group, ASB Bank, Bank of America, Capital One, Commonwealth Bank of Australia and NatWest Group newsroom, Sep 22, 2026](https://ing.com/binaries/content/assets/documents/news/principles-paper-building-trust-in-agentic-commerce) | | 2026-09-22 | [NatWest](https://www.bankingnewsai.com/banks/natwest) | **Co-publishes principles for trusted agentic commerce** NatWest, ASB Bank, Bank of America, Capital One, Commonwealth Bank of Australia and ING published joint principles warning that agentic shopping is advancing faster than standards and consumer protections and proposing disclosure when an AI agent is involved in a transaction. | Announced | [CNBC, Sep 22, 2026](https://cnbc.com/2026/09/22/banks-warn-ai-shopping-bots-raise-scam-fraud-data-privacy-risks.html) | | 2026-09-17 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) | **US bank details AI in AML, engineering and the call centre** Three AI models in the AML program, an investigator desktop in development, 1,800 developers on GitHub Copilot, and a vendor voice AI agent targeted at about 50% of incoming calls. | Announced | [MarketBeat (Yahoo Finance), Sep 17, 2026](https://finance.yahoo.com/markets/stocks/articles/td-bank-targets-100-u-230222427.html) | | 2026-09-17 | [First Citizens](https://www.bankingnewsai.com/banks/first-citizens) | **CB Insights joins SVB's partner network with its ChatCBI AI agent** SVB (a First Citizens division) clients gain access to CB Insights' market intelligence on 13 million companies and ChatCBI, an AI agent using model context protocol (MCP) tools for market analysis and target sourcing. | In production | [CB Insights (PR Newswire), Sep 17, 2026](https://prnewswire.com/news-releases/cb-insights-joins-silicon-valley-banks-partner-network-to-give-innovators-a-competitive-edge-302881431.html) | | 2026-09-15 | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | **Databricks publishes the CIO's data-and-agents session** With Deloitte, Sankararaman describes a Databricks-based Enterprise Data Hub (more than 35 sources, a platinum layer for regulatory reporting), a governed marketplace, Genie for plain-language queries, a multi-agent framework 'up and running', and a 2027 aim of agent-built data pipelines and an ontology layer. | Rolling out | [Databricks, Sep 15, 2026](https://answers.databricks.com/blueprint-breakthrough-activating-banking-analytics-ai-agentic-use-cases-zA4cdc9C6oQ) | | 2026-09-15 | [CIBC](https://www.bankingnewsai.com/banks/cibc-us) | **Barclays conference: advisers from four to five meetings a day** CFO Sedran's session described CIBC AI as internally built and agentic, with efficiency gains expected from every business unit and functional group each year. | Announced | [Investing.com, Sep 15, 2026](https://uk.investing.com/news/stock-market-news/cibc-at-barclays-conference-higher-returns-steady-growth-93CH-4870088) | | 2026-09-15 | [BNP Paribas](https://www.bankingnewsai.com/banks/bnp-paribas) | **Technology function commits to agentic AI investment in 2026** In a statement written on 12 June 2026 and published on 15 September, the Group said it would invest in agentic AI in 2026 to meet business-line and function needs and optimise end-to-end processes, keeping service continuity, security and cost control as its three priorities, and cited the LLM as a Service platform as a foundation it had built in 2025. | Announced | [BNP Paribas newsroom, Sep 15, 2026](https://group.bnpparibas/en/news/we-are-rolling-out-next-generation-technology-at-scale-to-better-serve-our-clients-and-further-enhance-our-employees-experience) | | 2026-09-15 | [ING](https://www.bankingnewsai.com/banks/ing) | **Barclays conference: AI used to upskill, automate and grow income; 1,250 operational roles** CFO Ida Lerner says ING is reducing 1,250 operational roles in a structured way, applies AI to upskill employees, automate processes and improve income generation, streamlines anti-money-laundering and KYC back-office work and uses agentic AI in Dutch mortgage origination. | Announced | [Investing.com, Sep 15, 2026](https://ca.investing.com/news/stock-market-news/ing-groep-at-barclays-conference-higher-returns-steady-growth-93CH-4840251) | | 2026-09-14 | [BofA](https://www.bankingnewsai.com/banks/bank-of-america) | **Moynihan on agent risk: 'we just don't do that'** After a weekend of public alarm over autonomous AI agents, the CEO says the bank keeps agents under control rather than 'left to operate'. | Announced | [American Banker, Sep 14, 2026](https://www.americanbanker.com/news/bofa-and-pnc-respond-to-rising-ai-fears) | | 2026-09-14 | [PNC](https://www.bankingnewsai.com/banks/pnc) | **President Wiedman on agent risk** After a weekend of public alarm over autonomous AI agents, Wiedman says keeping agents from being 'a little bit too aggressive in what they're trying to get done' is a top priority. | Announced | [American Banker, Sep 14, 2026](https://www.americanbanker.com/news/bofa-and-pnc-respond-to-rising-ai-fears) | | 2026-09-14 | [Fifth Third](https://www.bankingnewsai.com/banks/fifth-third) | **Investor deck lists 'Agentic Jeanie' as a 2026 milestone** Barclays conference presentation: 'Agentic Jeanie & universal search powered by AI' in the bank's two-decade timeline; about 25,200 employees and $300 billion of assets after Comerica. | Announced | [Fifth Third (SEC filing), Sep 14, 2026](https://www.sec.gov/Archives/edgar/data/35527/000003552726000219/a2026barclaysconference-.htm) | | 2026-09-14 | [Scotiabank](https://www.bankingnewsai.com/banks/scotiabank) | **Barclays conference: Ask AI at 18,000 staff, mortgage verification 70% faster** Aris Bogdaneris, Group Head of Canadian Banking, says about 18,000 associates use Ask AI, AI cut mortgage-underwriting verification time by almost 70%, the bank is developing agentic workers to complete whole tasks, and a rebuilt, AI-enabled Tangerine with 2 million customers will be unveiled in coming quarters. | Announced | [Investing.com, Sep 14, 2026](https://investing.com/news/transcripts/scotiabank-at-barclays-conference-strategy-lifts-margins-and-growth-93CH-4900067) | | 2026-09-10 | [WaFd Bank](https://www.bankingnewsai.com/banks/wafd) | **nCino: WaFd piloting Analyst Digital Partner for credit risk** nCino says WaFd is piloting the agent for credit risk assessment and financial analysis. | Pilot | [nCino, Sep 10, 2026](https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai) | | 2026-09-10 | [ServisFirst Bank](https://www.bankingnewsai.com/banks/servisfirst) | **Selects Covecta to deploy agentic AI** First disclosed AI initiative: agents embedded into operational workflows outside mission-critical systems to automate manual work. | Announced | [ServisFirst Bank newsroom, Sep 10, 2026](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations) | | 2026-09-09 | [TD Bank Group](https://www.bankingnewsai.com/banks/td-bank-group) | **Chun: 'sizeable upside' to the C$1 billion target** At the Scotiabank Financials Summit the CEO says an AI agent for collections lifted the customer connect rate to between 20% and 25% from 7% and that the mortgage agent is transferable to small business banking and auto finance. | Announced | [Financial Post via Yahoo Finance, Sep 9, 2026](https://finance.yahoo.com/news/banks-ai-allowing-them-recover-210106543.html) | | 2026-09-03 | [First Citizens](https://www.bankingnewsai.com/banks/first-citizens) | **Chief Data and Analytics Officer on Copilot and AskFirst** Scott Richardson details an enterprise Microsoft Copilot rollout, an AI Academy for persona-based learning, and AskFirst, a natural-language knowledge agent for branch bankers, alongside fraud, compliance and cyber-threat use cases. | Rolling out | [First Citizens Bank newsroom, Sep 3, 2026](https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-Bank) | | 2026-09-02 | [M&T](https://www.bankingnewsai.com/banks/mt-bank) | **Copilots to 15,000-plus employees; agentic AI examined for cyber and fraud** Fast Company's Pacesetters profile of Wisler's transformation. | Pilot | [Fast Company, Sep 2, 2026](https://www.fastcompany.com/91596458/michael-wisler-m-t-bank-pacesetters-2026) | | 2026-09-01 | [MUFG](https://www.bankingnewsai.com/banks/mufg) | **Investors Day: AI agents for relationship managers** Group heads describe AI agents supporting corporate relationship managers end to end, JCIB tools such as Slide Generation AI and an AI assistant, and AI use in the global operations hub; the retail strategy names Google and OpenAI as AI partners. | Rolling out | [Mitsubishi UFJ Financial Group, Inc., Sep 1, 2026](https://www.mufg.jp/dam/ir/presentation/2026/pdf/speech260901_en.pdf) | | 2026-09-01 | [MUFG](https://www.bankingnewsai.com/banks/mufg) | **Kamezawa: AI is a workforce, not a tool** At Nikkei BP's AI Leaders conference, Chairman Hironori Kamezawa says the terms AI agent and AI utilisation no longer feel right because AI is a workforce that coexists with people; MUFG already has results in searching its large body of internal rules and aims for AI to sit fully inside the organisation (Japanese-language report). | Announced | [Nikkei xTECH, Sep 1, 2026](https://xtech.nikkei.com/atcl/nxt/column/18/03671/091700004/) | ### Aug 2026 | Date | Bank | Move | Stage | Source | |---|---|---|---|---| | 2026-08-27 | [Synchrony](https://www.bankingnewsai.com/banks/synchrony) | **Strategy chief on 'healthy paranoia' about agentic commerce** Maran Nalluswami tells PYMNTS the company must place bets along the whole shopping experience because no one has yet won it, and that merchants of different sizes need different AI approaches. | Announced | [PYMNTS, Aug 27, 2026](https://pymnts.com/news/artificial-intelligence/2026/synchrony-says-ai-has-put-every-checkout-in-play) | | 2026-08-27 | [CIBC](https://www.bankingnewsai.com/banks/cibc-us) | **CAI 2.0: an enterprise-wide agentic AI workspace** Piloted in the third quarter: staff connect their data and tools and delegate multistep work to AI agents; the CEO expects headcount to grow over five years alongside productivity gains. AdvisorAssist cuts adviser documentation time by up to 50% in wealth. | Pilot | [CIBC newsroom, Aug 27, 2026](https://www.cibc.com/content/dam/cibc-public-assets/about-cibc/investor-relations/pdfs/quarterly-results/2026/q326report-en.pdf) | | 2026-08-27 | [DBS](https://www.bankingnewsai.com/banks/dbs) | **DBS and Stripe partner on agentic commerce** A memorandum of understanding to accelerate agentic commerce and cross-border payments in Asia, including exploring joint development of agentic AI capabilities for DBS customers. | Pilot | [DBS Group Holdings newsroom, Aug 27, 2026](https://www.dbs.com/newsroom/DBS_and_Stripe_partner_to_accelerate_the_digital_and_AI_powered_economy_in_Asia) | | 2026-08-25 | [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank) | **Design partner for Google's Gemini Enterprise for Financial Services** Early access to a purpose-built agentic platform with a Financial Research agent of more than 50 skills; Deutsche Bank is using it across the Corporate Bank to uncover client needs and streamline acquisition. | In production | [Google Cloud, Aug 25, 2026](https://cloud.google.com/blog/products/ai-machine-learning/introducing-gemini-enterprise-for-financial-services) | | 2026-08-20 | [Frost](https://www.bankingnewsai.com/banks/frost) | **Blend reports agentic Autopilot results across lenders** 50,000-plus live loans since March 2026; Frost's participation undisclosed. | Announced | [Business Wire via FT Markets, Aug 20, 2026](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1) | | 2026-08-20 | [Axos Bank](https://www.bankingnewsai.com/banks/axos) | **Fiscal 2026 10-K lists AI development and use as a risk factor** Agentic and generative AI, third-party models, explainability and evolving AI law. | In production | [SEC EDGAR, Aug 20, 2026](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000060/ax-20260630.htm) | | 2026-08-19 | [DBS](https://www.bankingnewsai.com/banks/dbs) | **Agentic credit-memo solution rolled out to about 1,500 bankers** DBS announced that specialised agents tackling more than 70 tasks now prepare a review-ready first draft of credit memos for large and mid-sized corporate clients; after a pilot with 150 participants the capability was rolled out to approximately 1,500 employees globally. Credit memos can take up to 40% of a relationship manager's time, and the goal is to cut time spent by at least 30%. | In production | [DBS Group newsroom, Aug 19, 2026](https://www.dbs.com/newsroom/DBS_scales_agentic_AI_to_transform_way_of_working_for_corporate_bankers_freeing_up_time_for_more_strategic_client_engagements) | | 2026-08-18 | [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank) | **Agentic resilience platform for DORA exercises** Google Cloud described a Deutsche Bank platform that generates tabletop scenarios from architecture, logs and incident history using LangGraph and Google's Agent Development Kit on Gemini Enterprise Agent Platform, now applied across multiple portfolios. | Announced | [Google Cloud, Aug 18, 2026](https://cloud.google.com/blog/topics/financial-services/building-operational-resilience-with-agentic-ai-in-financial-services) | | 2026-08-15 | [United Community](https://www.bankingnewsai.com/banks/united-community) | **Fraud technology lead on AI agents in risk operations** VP of fraud data and technology Micah Weaver joins an Alloy session on putting AI agents to work in risk and compliance workflows with humans in the loop. | Announced | [American Banker (Partner Insights from Alloy), Aug 15, 2026](https://americanbanker.com/partnerinsights/alloy/webinar/the-backlog-that-never-shrinks-scaling-risk-ops-with-ai) | | 2026-08-13 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | **MACAW and open-weight models, described** A machine-learning engineering leader explains the multi-agent fraud-call workflow and fine-tuning open-weight models on proprietary data. | Announced | [VentureBeat (sponsored by Capital One), Aug 13, 2026](https://venturebeat.com/orchestration/why-capital-one-built-its-multi-agent-ai-platform-around-open-weight-models) | | 2026-08-13 | [Synchrony](https://www.bankingnewsai.com/banks/synchrony) | **First chief AI officer named** Nimrod Barak, effective 30 June 2026, leads enterprise AI strategy, governance and execution, including agentic and intelligent automation; 90% of employees say they trust Synchrony to use AI fairly, ethically and responsibly. | Announced | [Synchrony newsroom, Aug 13, 2026](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html) | | 2026-08-12 | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | **Joins the Agentic AI Foundation as a Gold member** The neutral home of MCP and other agent standards; CIO Chintan Mehta cites interoperability and governance. | Announced | [Agentic AI Foundation (PR Newswire), Aug 12, 2026](https://www.prnewswire.com/news-releases/agentic-ai-foundation-welcomes-57-new-members-gaining-major-financial-services-players-and-apac-leaders-302850143.html) | | 2026-08-12 | [Bread Financial](https://www.bankingnewsai.com/banks/bread-financial) | **Bread Financial joins the Agentic AI Foundation as a Silver member** The Agentic AI Foundation announced 57 new members on August 12, 2026, listing Bread Financial among new Silver members; the foundation said it had grown to 247 member organisations. | Announced | [PR Newswire via Morningstar, Aug 12, 2026](https://www.morningstar.com/news/pr-newswire/20260812dc25298/agentic-ai-foundation-welcomes-57-new-members-gaining-major-financial-services-players-and-apac-leaders) | | 2026-08-11 | [Amex](https://www.bankingnewsai.com/banks/american-express) | **Amex Ventures backs Fazeshift** Autonomous AI agents for accounts receivable, building toward a 'CFO suite built for autonomous finance'. | Announced | [Crowdfund Insider, Aug 12, 2026](https://www.crowdfundinsider.com/2026/08/296407-amex-ventures-backs-fazeshift-to-enable-ai-driven-finance-automation/) | | 2026-08-07 | [Amex](https://www.bankingnewsai.com/banks/american-express) | **Amex GBT's Egencia connector in Claude** Agentic corporate travel through Anthropic's assistant. | In production | [American Banker, Aug 7, 2026](https://www.americanbanker.com/payments/news/amex-gbt-adds-agentic-commerce-to-corporate-travel) | | 2026-08-06 | [Goldman](https://www.bankingnewsai.com/banks/goldman-sachs) | **Forbes: hundreds of agents work beside 12,000 engineers** Goldman is described as the first major bank to deploy virtual software engineers on real production tasks, starting with legacy modernisation. | In production | [Forbes, Aug 6, 2026](https://forbes.com/sites/bernardmarr/2026/08/06/how-goldman-sachs-is-using-agentic-ai-for-software-engineering-at-scale) | | 2026-08-06 | [DBS](https://www.bankingnewsai.com/banks/dbs) | **Q2 briefing: no 2026 AI value target, model-agnostic stack** Tan said DBS has no 2026 target for AI economic value, is focusing agentic work on 12 enterprise journeys, and uses 'US, Chinese, everything' while avoiding reliance on any one provider. | Announced | [DBS Group Holdings newsroom, Aug 7, 2026](https://www.dbs.com/iwov-resources/images/investors/quarterly-financials/2026/2Q26_media_transcript.pdf) | | 2026-08-05 | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | **Innovation Banking joins the debt side of Ordway's $20 million AI round** Ordway, a billing and revenue-automation platform adding AI agents, cash-reconciliation and contract-abstraction features, names Western Alliance Bank's Innovation Banking Group as debt participant. | Announced | [PR Newswire, Aug 5, 2026](https://prnewswire.com/news-releases/ordway-secures-20m-in-growth-capital-to-accelerate-ai-roadmap-302843731.html) | | 2026-08-04 | [Amex](https://www.bankingnewsai.com/banks/american-express) | **Amex Ventures invests in Pie** Pie, an AI-powered growth platform for small businesses, offers AI Search for visibility in assistants such as ChatGPT, Claude and Perplexity and a Front Desk voice agent that answers calls and takes bookings; the release gives no investment amount. | Announced | [Finextra, Aug 4, 2026](https://www.finextra.com/pressarticle/110565/amex-ventures-invests-in-smb-growth--platform-pie) | | 2026-08-03 | [Citizens](https://www.bankingnewsai.com/banks/citizens) | **Q2 2026 10-Q names Reimagine the Bank but carries no AI text** The quarterly report attributes higher outside-services expense to costs of the Reimagine the Bank programme; neither the Q1 nor Q2 2026 10-Q contains the words AI, artificial intelligence, generative or agentic. | Announced | [Citizens Financial Group (SEC filings), Aug 3, 2026](https://www.sec.gov/Archives/edgar/data/759944/000075994426000148/cfg-20260630.htm) | ### Jul 2026 | Date | Bank | Move | Stage | Source | |---|---|---|---|---| | 2026-07-31 | [CIBC](https://www.bankingnewsai.com/banks/cibc-us) | **CAI 2.0 announced; 250 testers; usage figures** CAI reached 50,000+ employees with about 20,000 daily users; CAI 2.0 uses a CIBC-built agentic harness and began with about 250 handpicked testers on OpenAI and Anthropic models at $4 to $250 a month each (group-level). | Announced | [CIBC via CNW (Yahoo Finance), Jul 31, 2026](https://finance.yahoo.com/news/cibc-introduces-first-enterprise-wide-143900920.html) | | 2026-07-31 | [NatWest](https://www.bankingnewsai.com/banks/natwest) | **H1 2026: five agents live, first customer-facing GenAI in Bankline** The interim results reported 7.1 million Cora conversations in H1 2026, colleague usage of AI tools up threefold and AI-powered client intelligence in Private Banking & Wealth Management, five AI agents live supporting colleagues in core processes and the first customer-facing generative AI capability, launched in Bankline. | In production | [NatWest Group plc newsroom, Jul 31, 2026](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/31072026/nwg-h1-2026-results.pdf) | | 2026-07-30 | [ING](https://www.bankingnewsai.com/banks/ing) | **2Q26 results: Instant Mortgages in Germany and agentic mortgages 'live in production'** ING launched Instant Mortgages in Germany with a binding credit decision in under 30 minutes and expanded AI-supported personalised marketing across markets; the CEO calls agentic mortgages live in production, serving more customers without adding FTEs, and says conversational banking in the mobile app will start rolling out soon. | Announced | [ING Groep N.V. newsroom, Jul 30, 2026](https://ing.com/binaries/content/assets/documents/results/2q2026/2q2026-ing-press-release.pdf) | | 2026-07-30 | [BBVA](https://www.bankingnewsai.com/banks/bbva) | **Q2 results release names 'The Frame'** The release says the bank has eight AI initiatives and a global framework, 'The Frame', to industrialise the creation, deployment, management and governance of AI agents at scale; on the call Genç adds that more than 100,000 colleagues actively use AI. | Rolling out | [BBVA newsroom, Jul 30, 2026](https://bbva.com/en/economy-and-finance/earnings-2q2026) | | 2026-07-29 | [UBS](https://www.bankingnewsai.com/banks/ubs) | **2Q26: 560 live use cases, agents for every employee** UBS reports 560 live AI use cases in production (92% up year on year, 920-plus in development), nine large-scale initiatives, about 18,000 developers using AI with over a quarter of suggestions used in production code, and every employee able to create AI agents; the Oxford-UBS Centre officially launches and two Celent 2026 awards recognise its research and wealth AI. | In production | [UBS Group AG and UBS AG (Business Wire), Jul 29, 2026](https://businesswire.com/news/home/20260728010217/en/UBS-AG-UK-Regulatory-Announcement-UBS-reports-2Q26-net-profit-of-USD-2.8bn-and-USD-5.8bn-for-1H26-with-robust-momentum-across-businesses-Group-invested-assets-at-USD-7.3trn-Ad-hoc-announcement-pursuant-to-Article-53-of-the-SIX-Exchange-Regulation-Listing-Rules) | | 2026-07-29 | [OCBC](https://www.bankingnewsai.com/banks/ocbc) | **HELIOS agentic AI cuts private banking onboarding to 15 business days** Agentic platform completes much customer due diligence before the relationship manager engages a prospect; roll-out across Singapore, Hong Kong and Dubai by Q3 2026 and to the Premier Private Client segment by year-end. | Rolling out | [Oversea-Chinese Banking Corporation, Jul 29, 2026](https://ocbc.com/group/media/release/2026/ocbc-harnesses-agentic-ai-to-quicken-onboarding-customers) | | 2026-07-28 | [CIBC](https://www.bankingnewsai.com/banks/cibc-us) | **Best Gen-AI Initiative, third year running** Smart Library and the Agents Marketplace; Request a Call wins Best Digital Transformation Program. | In production | [CNW via FT Markets, Jul 28, 2026](https://markets.ft.com/data/announce/detail?dockey=600-202607280853CANADANWCANADAPR_C7795-1) | | 2026-07-28 | [Bread Financial](https://www.bankingnewsai.com/banks/bread-financial) | **Q2 10-Q: continued AI investment, agentic commerce as a competitive risk** The 10-Q says Bread continues to invest in AI capabilities, technology modernisation, marketing and product innovation, and lists the emergence of agentic commerce among the new technologies that could reduce demand from brand partners. | Pilot | [Bread Financial Holdings (SEC filing), Jul 28, 2026](https://www.sec.gov/Archives/edgar/data/1101215/000110121526000074/bfh-20260630.htm) | | 2026-07-27 | [HSBC](https://www.bankingnewsai.com/banks/hsbc-usa) and [HSBC](https://www.bankingnewsai.com/banks/hsbc) | **Global AI Centre of Excellence in Singapore** HSBC plans to hire more than 100 AI specialists to work with chief AI officer David Rice, starting with agentic treasury, wealth conversations and AI-enabled payments. | Announced | [HSBC newsroom, Jul 27, 2026](https://www.hsbc.com/news-and-views/news/hsbc-news-archive/hsbc-to-establish-global-ai-centre-of-excellence-in-singapore) | | 2026-07-27 | [DBS](https://www.bankingnewsai.com/banks/dbs) | **DBS Joy and digibot go agentic** DBS Joy became fully agentic in Singapore for 350,000 corporate users, to extend to 100,000 users in Hong Kong in September; digibot adds Gen AI and later agentic servicing, all only after customer log-in. | In production | [DBS Group Holdings newsroom, Jul 27, 2026](https://dbs.com/newsroom/DBS_Gen_AI_enabled_virtual_assistants_reach_10_million_customers_and_go_agentic) | | 2026-07-27 | [BMO Financial Group](https://www.bankingnewsai.com/banks/bmo-group) | **Agentic decision-intelligence layer described** BMO's AI Hub sets out a three-layer design (predictive, causal inference, agent) in which an LLM agent explains model scores and recommends actions, grounded in model outputs and policies for auditability. | Announced | [BMO AI Hub newsroom, Jul 27, 2026](https://ai.bmo.com/our-stories/from-prediction-engines-to-decision-engines-building-an-agentic-decision-intelligence-layer) | | 2026-07-24 | [Amex](https://www.bankingnewsai.com/banks/american-express) | **Q2 10-Q lists agentic commerce among strategic dependencies** The filing ties results partly to the ACE kit, Agent Purchase Protection, making Membership assets discoverable on AI platforms and embedding AI into internal processes; it also cites AI usage costs. | In production | [American Express (SEC filings), Jul 24, 2026](https://www.sec.gov/Archives/edgar/data/4962/000000496226000322/axp-20260630.htm) | | 2026-07-24 | [Amex](https://www.bankingnewsai.com/banks/american-express) | **Q2 call: closed loop and intent as the answer to agentic fraud** Squeri says agentic commerce is fraught with fraud and hallucinations and that knowing what the cardholder wanted and what the merchant delivered gives Amex an advantage; agentic initiatives were not in the year's original spending plan. | Announced | [Investing.com, Jul 24, 2026](https://investing.com/news/transcripts/earnings-call-transcript-american-express-beats-q2-2026-eps-shares-fall-93CH-4812024) | | 2026-07-24 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | **Q2 2026 call: low-40s efficiency target for 2027** OpenAI engineers on custom capabilities; multi-agent credit underwriting closed some C&I and CRE loans within a week; efficiency ratio targeted at a low-40% run-rate in 2027 from about 50%. | In production | [MarketBeat via Yahoo Finance, Jul 24, 2026](https://finance.yahoo.com/markets/stocks/articles/customers-bancorp-q2-earnings-call-140353073.html) | | 2026-07-24 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | **Q2 2026 call: underwriting, KYC and close-cycle results** A multi-agentic underwriting process closed loans within a week; AI KYC screening raised productivity 50%; month-end close fell 60%; 46,000 hours saved equals 24 FTEs; Sidhu leads a 40-person team, about 5% of the workforce; the bank says it was first to publish an MCP. | Announced | [Investing.com, Jul 24, 2026](https://investing.com/news/transcripts/earnings-call-transcript-customers-bancorp-posts-strong-q2-2026-growth-93CH-4812021) | | 2026-07-24 | [BNP Paribas](https://www.bankingnewsai.com/banks/bnp-paribas) | **CIB Chief AI Officer sets out a six-pillar agentic framework** Charles Holive described moving from generative AI that speeds individual tasks to agentic AI that rewires end-to-end workflows, with six pillars (business-led strategy, technology orchestration, data as a product, automated governance, people and culture, and FinOps with a value-per-token lens). | Announced | [BNP Paribas Securities Services newsroom, Jul 24, 2026](https://securities.cib.bnpparibas/agentic-ai-for-large-organisations-beyond-token-maxxing) | | 2026-07-23 | [Synchrony](https://www.bankingnewsai.com/banks/synchrony) | **Q2 2026 10-Q carries no AI language** The 10-Q for the quarter ended 30 June 2026, filed two days after the call in which the CFO said 90% of exempt employees use AI tools, contains no mention of AI, generative AI or agentic commerce; the AI risk factors remain in the 2025 10-K. | Announced | [Synchrony Financial (SEC filing), Feb 6, 2026](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm) | | 2026-07-23 | [Valley](https://www.bankingnewsai.com/banks/valley) | **AI strategy slides and a 500-basis-point efficiency thesis** The Q2 deck updates the AI strategy, ecosystem and roadmap first shown in the Q1 deck (adding wire-fraud identification, collections and loan servicing to the use cases); on the call the CFO puts savings at ~$15 million against $3–4 million of new AI spend, and the chief credit officer says agentic AI is not yet in core credit analysis. | Pilot | [Valley National Bancorp (SEC filings), Jul 23, 2026](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm) | | 2026-07-23 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | **Q2 2026 deck: 46,000 hours, 600 agents, 100% licensed** Agentic pods pair engineers with bankers; a 40-person AI mobilization team; top-down targets of a seven-day loan close, commercial onboarding in minutes, and a cubiX agentic interface handling nearly 2 billion client API requests by year-end 2026. | In production | [Customers Bancorp (SEC filings), Jul 23, 2026](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm) | | 2026-07-23 | [ConnectOne](https://www.bankingnewsai.com/banks/connectone) | **Q2 2026 call: agentic tools cut manual process time by over 50%** Sorrentino cites the nCino partnership, with digital agents and business intelligence in the loan platform; the CFO guides operating expenses up about 1.5% sequentially in each of the next two quarters, mainly on staffing. | Announced | [Investing.com, Jul 23, 2026](https://investing.com/news/transcripts/earnings-call-transcript-connectone-bancorp-tops-q2-2026-eps-forecast-93CH-4809455) | | 2026-07-23 | [Bread Financial](https://www.bankingnewsai.com/banks/bread-financial) | **Q2 2026 call: agentic commerce and servicing use cases with partners** Andretta said Bread is integrating AI for productivity, innovation and risk management and collaborating with partners on agentic-commerce and servicing use cases; the CFO said third- and fourth-quarter expenses would rise partly for AI technology, with an opportunity to lean in as agentic opportunities emerge. The 10-Q filed July 28 repeats that Bread continues to invest in AI capabilities. | Pilot | [Bread Financial Holdings (SEC filing), Jul 28, 2026](https://www.sec.gov/Archives/edgar/data/1101215/000110121526000074/bfh-20260630.htm) | | 2026-07-21 | [BofA](https://www.bankingnewsai.com/banks/bank-of-america) | **EricaAssist gets generative AI** Employee-facing agent summarises the call reason and recommends next steps; average call time falls by nearly a minute. | In production | [Bank of America Newsroom, Jul 21, 2026](https://newsroom.bankofamerica.com/content/newsroom/press-releases/2026/07/bank-of-america-enhances-ericaassist-with-generative-ai-to-help-.html) | | 2026-07-20 | [CIBC](https://www.bankingnewsai.com/banks/cibc-us) | **Inside the CAI platform; agentic AI 'with humans in control'** A home-built meeting note-taker, fluency bell curves, and a governance-first agent stance. | In production | [CIBC newsroom, Jul 20, 2026](https://cibc.com/en/about-cibc/future-banking/ai/leadership/scaling-ai-cai-platform.html) | | 2026-07-20 | [HSBC](https://www.bankingnewsai.com/banks/hsbc) | **Founding member of EPAA's AI and agentic payments group** HSBC and Mastercard piloted end-to-end B2B agentic commerce transactions for two Singapore-based clients in May; the working group targets liability, agent-identity and dispute standards across Asia Pacific. | Pilot | [Finextra, Jul 20, 2026](https://finextra.com/pressarticle/110454/hsbc-joins-epaa-agentic-ai-working-group-as-founding-member) | | 2026-07-16 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | **VulnHunter open-sourced** An internally built agentic AI code-security tool released on GitHub under Apache 2.0; the CISO cites the brief window before AI attack tools spread. | In production | [VentureBeat, Jul 17, 2026](https://venturebeat.com/technology/capital-one-releases-vulnhunter-an-open-source-ai-tool-that-finds-software-flaws-before-hackers-do) | | 2026-07-16 | [State Street](https://www.bankingnewsai.com/banks/state-street) | **Investor deck quantifies the 'Tech and AI-enabled Transformation' pillar** ~$1B run-rate benefits by 2029 (~$750M productivity, ~$250M revenue); core agentic platform; ~30-40% developer-productivity increase; ~80% of applications on modern cloud platforms, from ~40%. | Announced | [State Street (SEC filing), Jul 16, 2026](https://www.sec.gov/Archives/edgar/data/93751/000009375126000387/stt2q26earningspresentat.htm) | | 2026-07-16 | [Citizens](https://www.bankingnewsai.com/banks/citizens) | **Q2 2026: AI agents in the back office, a 10x engineering pilot** Back-office re-architecture with AI agents orchestrating end-to-end workflows, AI case classification, AI in credit-card contact centres and a first enterprise-wide AI-chat agent; about $7 million of program costs in the quarter. | Pilot | [Citizens Financial Group (SEC filings), Jul 16, 2026](https://www.sec.gov/Archives/edgar/data/759944/000075994426000133/a2q26earningspresentatio.htm) | | 2026-07-16 | [Ally](https://www.bankingnewsai.com/banks/ally) | **AI agent personas patent application published** US 2026/0203076 A1, filed 14 January 2025, lists Naik, Dubarau, Rajasekaran, Allmond, Lemont, Swistak and Muthukrishnan as inventors; American Banker called Personas 'patent-pending' in June. | Announced | [Google Patents (USPTO), Jul 16, 2026](https://patents.google.com/patent/US20260203076A1/en) | | 2026-07-16 | [RBC](https://www.bankingnewsai.com/banks/rbc) | **OSFI bulletin on generative and agentic AI** OSFI sets out sound practices for generative and agentic AI under its technology, operational-resilience and third-party guidelines (B-13, E-21, B-10), pointing to E-23 for model risk. | Announced | [Office of the Superintendent of Financial Institutions, Jul 16, 2026](https://www.osfi-bsif.gc.ca/en/risks/technology-cyber-risk-management/technology-risk-bulletin/generative-agentic-artificial-intelligence-implications-technology-cyber-security-operational) | | 2026-07-16 | [TD Bank Group](https://www.bankingnewsai.com/banks/td-bank-group) | **OSFI bulletin on generative and agentic AI** OSFI sets out sound practices for generative and agentic AI under its technology, operational-resilience and third-party guidelines (B-13, E-21, B-10), pointing to E-23 for model risk. | Announced | [Office of the Superintendent of Financial Institutions, Jul 16, 2026](https://www.osfi-bsif.gc.ca/en/risks/technology-cyber-risk-management/technology-risk-bulletin/generative-agentic-artificial-intelligence-implications-technology-cyber-security-operational) | | 2026-07-15 | [HSBC](https://www.bankingnewsai.com/banks/hsbc) | **HSBC UK and Visa complete a live agentic card transaction** An HSBC UK card is used for an end-to-end AI-initiated purchase on a live merchant website, described as an industry first, with biometric authentication and permissions to keep customers in control. | Announced | [Finextra, Jul 15, 2026](https://finextra.com/pressarticle/110423/hsbc-uk-trials-ai-shopping-with-visa) | | 2026-07-14 | [Amex](https://www.bankingnewsai.com/banks/american-express) | **Premier member of the x402 Foundation** The Linux Foundation body standardising internet-native payments for AI agents launches with Amex among its premier members. | In production | [Linux Foundation (PR Newswire), Jul 14, 2026](https://www.prnewswire.com/news-releases/linux-foundation-announces-operational-launch-of-x402-foundation-to-standardize-internet-native-payments-for-ai-agents-and-applications-302824778.html) | | 2026-07-14 | [ConnectOne](https://www.bankingnewsai.com/banks/connectone) | **nCino agents live in commercial lending** Banking Advisor in production and two custom agents on nCino's Agentic Operating System; 97.5% less time on document search. | Rolling out | [American Banker, Jul 14, 2026](https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work) | | 2026-07-14 | [Lloyds](https://www.bankingnewsai.com/banks/lloyds) | **AI Adoption Plan for financial services published** HM Treasury publishes the plan by AI Champions Harriet Rees and Dr Rohit Dhawan: ten recommendations including regulation, AI-powered advice, resilience, skills and agentic payments; the government accepts those addressed to it. | Announced | [GOV.UK (HM Treasury), Jul 14, 2026](https://gov.uk/government/publications/ai-adoption-plan-financial-services) | | 2026-07-13 | [UBS](https://www.bankingnewsai.com/banks/ubs-usa) and [UBS](https://www.bankingnewsai.com/banks/ubs) | **Advisor agents described to Reuters** Head of AI product Richard James says advisor agents send thousands of alerts a day and, once an advisor approves, can execute trades and money transfers; UBS says AI lets advisors spend 70% of their time with clients. | In production | [Reuters via Investing.com, Jul 13, 2026](https://www.investing.com/news/stock-market-news/wall-street-banks-ramp-up-digital-assistants-in-bid-towin-productivity-race-4787686) | | 2026-07-08 | [PNC](https://www.bankingnewsai.com/banks/pnc) | **About 115 AI agents built the new app; a PNC digital assistant is planned** Banking Dive: the agents handled development and testing with human review of their output; about 8 million customers use the app, mobile active users up 8% year over year; the release says the platform is designed for embedded generative-AI assistance and that frontier models were used to harden the development process. | Pilot | [Banking Dive, Jul 8, 2026](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/) | | 2026-07-07 | [PNC](https://www.bankingnewsai.com/banks/pnc) | **New mobile app built with agentic development** PNC's agentic development system and patented data-streaming microservices architecture. | Announced | [American Banker, Jul 8, 2026](https://www.americanbanker.com/news/pnc-bank-rolls-out-new-mobile-banking-app) | | 2026-07-07 | [Scotiabank](https://www.bankingnewsai.com/banks/scotiabank) | **AI Consortium launched with Lightworks, Sun Life and TELUS** Members jointly build and own AI control infrastructure; the flagship Agentic Control Plane is in production and processes more than two trillion tokens a month across members. | Announced | [Lightworks, Scotiabank, Sun Life and TELUS (CNW via Yahoo Finance), Jul 7, 2026](https://finance.yahoo.com/technology/ai/articles/lightworks-scotiabank-sun-life-telus-103000294.html) | | 2026-07-06 | [SoFi](https://www.bankingnewsai.com/banks/sofi) | **Engineering blog names Claude, Gitar.ai and Cequence** An in-house merge-review-bot runs on Claude on Bedrock, Claude iterates tests to 80% coverage, Gitar.ai reviews merge requests, and Cequence handles MCP authentication across a monorepo with more than 150 contributors and weekly releases. | In production | [SoFi (engineering blog) newsroom, Jul 6, 2026](https://sofietyblog.sofi.com/leveraging-ai-for-executing-a-complex-mobile-migration) | | 2026-07-03 | [HSBC](https://www.bankingnewsai.com/banks/hsbc-usa) | **SAFR: safeguards for agentic finance at runtime** HSBC is one of eight firms behind the white paper with JPMorganChase, Mastercard and others. | Announced | [PYMNTS, Aug 12, 2026](https://pymnts.com/news/artificial-intelligence/2026/bank-ai-agents-may-need-permission-slip) | | 2026-07-03 | [OCBC](https://www.bankingnewsai.com/banks/ocbc) | **MAS publishes SAFR white paper with an OCBC case study** Safeguards for Agentic Finance at Runtime proposes governance checkpoints that verify and record an AI agent's proposed actions before execution; OCBC is among the firms whose case studies it contains. | Announced | [The Business Times, Jul 3, 2026](https://www.businesstimes.com.sg/companies-markets/mas-partners-finance-industry-players-develop-safeguards-ai-agents) | | 2026-07-02 | [ING](https://www.bankingnewsai.com/banks/ing) | **Live agentic payment with Visa and Worldline in Germany** A consumer sets purchase conditions, a merchant AI agent acts within them, the buyer confirms with biometric authentication through Visa Payment Passkeys and ING authorises the payment; Worldline and ING join Visa's Agentic Ready Programme. | Pilot | [Worldline via GlobeNewswire, Jul 2, 2026](https://globenewswire.com/news-release/2026/07/02/3321259/0/en/worldline-worldline-ing-and-visa-complete-a-live-agentic-payment-transaction-in-europe-press-release.html) | | 2026-07-02 | [BBVA](https://www.bankingnewsai.com/banks/bbva) | **First AI-agent-initiated card payment with Visa** A live agentic-commerce transaction with real card credentials and an active merchant in Spain, using Visa Intelligent Commerce and Payment Passkeys for strong customer authentication. | Announced | [BBVA newsroom, Jul 2, 2026](https://bbva.com/en/innovation/bbva-completes-its-first-ai-agent-initiated-transaction-together-with-visa) | ### Jun 2026 | Date | Bank | Move | Stage | Source | |---|---|---|---|---| | 2026-06-30 | [Morgan Stanley](https://www.bankingnewsai.com/banks/morgan-stanley) | **FIXR: agentic P&L reconciliation cuts the job in half** Three cooperating agents interpret past guidance, learn from controller behaviour and turn repeated patterns into fixed rules; up to six hours per book becomes two to three, about 1,500 hours a week across roughly 100 controllers. | In production | [VentureBeat, Jun 30, 2026](https://venturebeat.com/orchestration/morgan-stanley-cut-its-riskiest-reconciliation-job-in-half-by-making-its-agents-less-autonomous) | | 2026-06-24 | [FNBO](https://www.bankingnewsai.com/banks/fnbo) | **AI agents cut financial-crime investigation time by 50%** Nasdaq Verafin agents for EDD and sanctions triage, on AWS Bedrock. | Announced | [American Banker, Jun 24, 2026](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime) | | 2026-06-23 | [RBC](https://www.bankingnewsai.com/banks/rbc) | **RBC a founding premier member of FINOS AI Fund** The Fintech Open Source Foundation launches an AI Fund anchored by DTCC, Morgan Stanley, RBC and NatWest to build open-source governance, controls and agentic workflow standards for regulated finance. | Announced | [Fintech Open Source Foundation, Jun 23, 2026](https://finos.org/press/finos-launches-ai-fund) | | 2026-06-23 | [NatWest](https://www.bankingnewsai.com/banks/natwest) | **Founding premier member of the FINOS AI Fund** FINOS announced its AI Fund and Governing Board anchored by DTCC, Morgan Stanley, RBC and NatWest as founding premier members, to fund open-source governance, controls and agentic-workflow specifications for regulated financial services. | Announced | [FINOS, Jun 23, 2026](https://finos.org/press/finos-launches-ai-fund) | | 2026-06-22 | [Lloyds](https://www.bankingnewsai.com/banks/lloyds) | **More than 1,000 AI roles planned; AI financial assistant at 500,000 customers** Almost 300 agentic AI roles to be recruited; the AI Academy has logged over 400,000 courses; the AI financial assistant is with more than 500,000 Bank of Scotland customers. | Announced | [Lloyds Banking Group newsroom, Jun 22, 2026](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/1000-new-ai-roles.html) | | 2026-06-20 | [Lloyds](https://www.bankingnewsai.com/banks/lloyds) | **300 agentic-AI specialists to be hired by September** The group head of data and AI science says the recruits will join a 1,000-strong AI team and work with models such as Anthropic's Claude and Google's Gemini, while AI 'will change roles and how we work'. | Announced | [The Guardian, Jun 20, 2026](https://theguardian.com/business/2026/jun/20/lloyds-banking-group-ai-recruitment-drive-300-tech-experts) | | 2026-06-19 | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | **Mansour sets out wealth AI roadmap** Live tools include the Intelligent Banker book and a credit-memo desk tool; next are agentic systems for beneficiary changes and money movement, with humans overseeing, over a three-to-five-year horizon. | Announced | [Financial Planning, Jun 19, 2026](https://financial-planning.com/news/200-000-reasons-to-thoughtfully-integrate-ai-q-a-with-wells-fargos-ai-chief) | | 2026-06-17 | [Pinnacle](https://www.bankingnewsai.com/banks/pinnacle) | **Head of AI scheduled at American Banker's Digital Banking conference** Kevin Johnson's session on AI and data analytics separates agentic AI (takes action) from generative AI (creates content); the session description cites 30-40% faster code development when generative AI is deployed properly. | In production | [American Banker, Apr 21, 2026](https://digital-banking.americanbanker.com/profile/kevin-d-johnson) | | 2026-06-17 | [HSBC](https://www.bankingnewsai.com/banks/hsbc) | **Multi-year partnership with Google Cloud and DeepMind** More than 200 new AI use cases over two years, with Gemini models and the Gemini Enterprise Agent Platform; first areas are hyper-personalised wealth support, financial-crime risk management (twice-as-fast intervention across nearly one billion monitored transactions a month) and an AI decision assistant for frontline staff; prioritised projects each estimated to return more than US$100m. | Announced | [Google Cloud (PR Newswire), Jun 17, 2026](https://www.prnewswire.com/news-releases/hsbc-and-google-cloud-announce-transformative-ai-banking-partnership-302802395.html) | | 2026-06-16 | [Ally](https://www.bankingnewsai.com/banks/ally) | **Pioneer customer of Knotch's ACE** Ally uses the agentic content engine to adapt its website to a prospect's specific financial context. | Announced | [Knotch (PR Newswire), Jun 16, 2026](https://prnewswire.com/news-releases/knotch-launches-ace-the-ai-experience-infrastructure-built-for-the-conversational-web-302802199.html) | | 2026-06-16 | [Regions](https://www.bankingnewsai.com/banks/regions) | **Regions executives booked for American Banker Digital Banking 2026** Lee Wynn on a panel about agentic-AI personalisation (16 June) and Chris Kennedy on an AI-first enterprise session (17 June), per the event profiles. | Announced | [American Banker, Feb 9, 2026](https://digital-banking.americanbanker.com/profile/lee-wynn) | | 2026-06-16 | [Santander](https://www.bankingnewsai.com/banks/santander-us) | **US digital chief on agentic AI personalisation** Drew Burchard speaks on a Digital Banking panel about agentic AI that anticipates customer needs. | Announced | [American Banker, May 11, 2026](https://digital-banking.americanbanker.com/profile/drew-burchard) | | 2026-06-15 | [Morgan Stanley](https://www.bankingnewsai.com/banks/morgan-stanley) | **Strategic investment in Arcade.dev** A startup managing which actions AI agents are authorised to take. | Announced | [The Wall Street Journal, Jun 15, 2026](https://www.wsj.com/cio-journal/arcade-dev-raises-60-million-to-secure-ai-agents-5d07eff4) | | 2026-06-12 | [UBS](https://www.bankingnewsai.com/banks/ubs) | **UBS rejects KPMG report's claim about its AI agents** The Financial Times, relayed by Finextra, reports that KPMG withdrew a report after claims about AI use at several organisations proved false; UBS called the statement that it integrates AI agents across investment advisory, risk management and compliance monitoring 'factually incorrect'. | Announced | [Finextra, Jun 12, 2026](https://finextra.com/newsarticle/47911/kpmg-report-contained-ai-hallucinations-about-ai-use-at-ubs---ft) | | 2026-06-10 | [SoFi](https://www.bankingnewsai.com/banks/sofi) | **Poetic's AI agents run SoFi fraud investigations** The vendor says it reached 99%+ quality executing fraud investigations end-to-end at SoFi in five weeks; the CEO cites auto-decisioning that restores member access 'right away'. | Announced | [PR Newswire (Poetic), Jun 10, 2026](https://www.prnewswire.com/news-releases/poetic-raises-50m-series-a-to-automate-the-worlds-most-complex-enterprise-processes-with-reliable-ai-302796939.html) | | 2026-06-10 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | **cubiX page lists an MCP server and agentic-payment readiness** The bank's payments page offers a cubiX MCP server for LLM access to payment rails and describes the platform as ready for autonomous financial agents; Sidhu later says the bank believes it was the first to publish an MCP in 2025. | In production | [Customers Bank newsroom, Jun 10, 2026](https://customersbank.com/digital-payments) | | 2026-06-10 | [ING](https://www.bankingnewsai.com/banks/ing) | **Agentic mortgage assistant begins scaled rollout** After a March pilot for applications that would normally need manual assessment, ING begins rolling the assistant out across the Netherlands; it analyses applications, explains outcomes and suggests next steps while an ING employee makes the final decision. | Rolling out | [Finextra, Jun 10, 2026](https://finextra.com/newsarticle/47885/ing-deploys-agentic-ai-to-speed-up-mortgage-decisions) | | 2026-06-09 | [Santander](https://www.bankingnewsai.com/banks/santander-us) | **Getnet accepts AI-agent payments** The group's merchant platform opens to agentic commerce. | In production | [PYMNTS, Jun 9, 2026](https://www.pymnts.com/news/b2b-payments/2026/santanders-getnet-plugs-merchants-into-agentic-commerce/) | | 2026-06-09 | [Webster](https://www.bankingnewsai.com/banks/webster) | **Santander's Getnet launches AI-agent payments** First real-world AI-agent payment accepted in Mexico and Latin America with Mastercard Agent Pay; Santander's note says its Payments business has no US presence. | In production | [Banco Santander, Jun 9, 2026](https://santander.com/en/press-room/press-releases/2026/06/getnet-develops-infrastructure-that-enables-businesses-to-accept-ai-agent-initiated-payments) | | 2026-06-09 | [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank-us) | **Depositary bank for Einride, an AI-planning freight company** Deutsche Bank became depositary for the Nasdaq ADR programme of Einride AB, whose platform includes AI-powered planning and autonomous freight; the notice says the services are provided by Deutsche Bank Trust Company Americas or its affiliates. | Announced | [Deutsche Bank (Business Wire via Yahoo Finance), Jun 9, 2026](https://finance.yahoo.com/markets/stocks/articles/deutsche-bank-appointed-depositary-bank-194400099.html) | | 2026-06-09 | [Santander](https://www.bankingnewsai.com/banks/santander) | **Getnet infrastructure for AI agent-initiated payments** Getnet, Santander's merchant payments platform, launches infrastructure for merchants to accept payments initiated by AI agents, and with Mastercard and Neivor completes the first real-world case in Mexico and Latin America using Mastercard Agent Pay. | Pilot | [Banco Santander newsroom, Jun 9, 2026](https://www.santander.com/en/press-room/press-releases/2026/06/getnet-develops-infrastructure-that-enables-businesses-to-accept-ai-agent-initiated-payments) | | 2026-06-08 | [Raymond James](https://www.bankingnewsai.com/banks/raymond-james) | **Seth Ford hired as chief architect to lead AI-ready architecture** Formerly Chief Architect and Head of Agentic Digital Products at Vanguard; he chairs the Technology Review Board and does not report to Feld, though both sit under the CIO's organisation. | Announced | [Raymond James newsroom, Jun 8, 2026](https://raymondjames.com/richmond-branch/about-us/press-releases/2026/06/08/raymond-james-appoints-chief-architect-to-bolster-enterprise-technology-and-ai-strategy) | | 2026-06-08 | [Lloyds](https://www.bankingnewsai.com/banks/lloyds) | **Agentic AI for real-time fraud protection** Multiple AI agents support fraud colleagues during customer calls, built on Envoy; Scam Check, using machine learning and image analysis, is announced for payment journeys. | In production | [Lloyds Banking Group newsroom, Jun 8, 2026](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/lloyds-banking-group-deploys-agentic-ai-to-strengthen-real-time-.html) | | 2026-06-03 | [Morgan Stanley](https://www.bankingnewsai.com/banks/morgan-stanley) | **Opening stock-plan platforms to external AI agents** Clients' agents will pull data from ShareWorks and Equity Edge via MCP; 3,400 administration clients by 2027. | Rolling out | [CNBC, Jun 3, 2026](https://www.cnbc.com/2026/06/03/ai-agents-morgan-stanley-wealth-management-funnel.html) | | 2026-06-03 | [Santander](https://www.bankingnewsai.com/banks/santander-us) and [Santander](https://www.bankingnewsai.com/banks/santander) | **Group signs AI memorandum with G42** Covers AI-enabled advisory and savings, a banking intelligence layer and agentic financial services, with G42's Inception and Presight; definitive agreements are still to be signed. | Announced | [Banco Santander newsroom, Jun 3, 2026](https://santander.com/en/press-room/press-releases/2026/06/banco-santander-and-g42-sign-memorandum-of-understanding-to-explore-strategic-cooperation-in-artificial-intelligence) | | 2026-06-03 | [SoFi](https://www.bankingnewsai.com/banks/sofi) | **Oscilar names SoFi in its AI Agent Hub launch** Oscilar reports SoFi cut time-to-market for credit-risk strategies by 50% using its Workflow Generator Agent and improved decisioning speed by more than 30%. | Announced | [Oscilar (PR Newswire), Jun 3, 2026](https://www.prnewswire.com/news-releases/oscilar-launches-agent-hub-the-first-unified-ai-agent-platform-spanning-fraud-compliance-credit-and-onboarding-302789709.html) | | 2026-06-02 | [ING](https://www.bankingnewsai.com/banks/ing) | **Live end-to-end agentic payment with Worldline and Mastercard** An ING customer used an AI assistant to choose and buy concert tickets, with the assistant carrying out every step to payment on infrastructure based entirely in Europe; the companies describe it as Europe's first end-to-end agentic payment transaction. | Pilot | [Finextra, Jun 2, 2026](https://finextra.com/newsarticle/47844/ing-complete-live-end-to-end-european-agentic-payment-transaction) | | 2026-06-01 | [Citi](https://www.bankingnewsai.com/banks/citigroup) | **Agentic AI in cards** Mastercard Agent Pay and Citi Flex Pay capabilities in a card portfolio serving more than 70 million customers. | Announced | [American Banker, Jun 1, 2026](https://www.americanbanker.com/news/citis-pam-habner-is-23-on-the-most-innovative-people-in-finance-ranking) | | 2026-06-01 | [Truist](https://www.bankingnewsai.com/banks/truist) | **'Digital teammates' to be hired in 2026** Hagerman describes agents that are trained, promoted, corrected and retired like staff. | Announced | [American Banker, Jun 1, 2026](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking) | | 2026-06-01 | [Synchrony](https://www.bankingnewsai.com/banks/synchrony) | **PRISM cashflow underwriting honoured; Juel profile** American Banker reports nearly 50,000 customers approved in 2025 who would otherwise have been declined; a companion profile lists four AI bets: agentic commerce, back-office rethinks, merchant onboarding and faster risk anticipation. | Announced | [American Banker, Jun 1, 2026](https://americanbanker.com/news/synchronys-prism-is-one-of-the-innovations-of-the-year-honoree) | | 2026-06-01 | [BMO Financial Group](https://www.bankingnewsai.com/banks/bmo-group) | **American Banker names Milchanowski among most innovative people in finance** The profile lists Erqu (a conversational layer over equity research) and MORA (an agent that automates due diligence on metals storage vendors) rolled out in 2025, plus a two-year PhD-level quantum game-theory partnership with Democritus University of Thrace. | In production | [American Banker, Jun 1, 2026](https://www.americanbanker.com/news/bmos-kristin-milchanowski-is-39-on-the-most-innovative-people-in-finance-ranking) | ### May 2026 | Date | Bank | Move | Stage | Source | |---|---|---|---|---| | 2026-05-29 | [WaFd Bank](https://www.bankingnewsai.com/banks/wafd) | **nCino AI agent on the nSight stage** Jill Boyle shows how WaFd uses nCino's Analyst Digital Partner for loan-document review and covenant work that used to be keyed into spreadsheets. | Pilot | [nCino, May 29, 2026](https://ncino.com/en-SEA/blog/nsight-2026-recap) | | 2026-05-29 | [UOB](https://www.bankingnewsai.com/banks/uob) | **AI and technology MoU with FPT** UOB and Vietnam's FPT agreed to explore AI and digital innovation in banking, legacy modernisation and pilots in Vietnam and other markets, with a detailed plan due within 90 days; the release says UOB aims to accelerate adoption of generative and agentic AI. | Pilot | [United Overseas Bank, May 29, 2026](https://www.uobgroup.com/uobgroup/newsroom/news-releases/2026/uob-fpt-mou.page) | | 2026-05-27 | [City National](https://www.bankingnewsai.com/banks/city-national) | **RBC researchers win the ICAIF agentic-retrieval challenge** Borealis AI first among global teams on financial-filing analysis. | Pilot | [RBC, May 27, 2026](https://jobs.rbc.com/ca/en/rbc-researchers-win-global-ai-challenge-for-finance) | | 2026-05-27 | [RBC](https://www.bankingnewsai.com/banks/rbc) | **Borealis wins ICAIF agentic retrieval challenge** RBC Borealis researchers take first place in the AI Agentic Retrieval Grand Challenge at the 2025 ACM International Conference on AI in Finance, for finding relevant content in complex financial filings. | Announced | [Royal Bank of Canada, May 27, 2026](https://jobs.rbc.com/ca/en/rbc-researchers-win-global-ai-challenge-for-finance) | | 2026-05-27 | [Scotiabank](https://www.bankingnewsai.com/banks/scotiabank) | **Q2 2026 call: four principles of the AI approach** Thomson sets out security, flexibility (model-agnostic, no single vendor), data and platform-first thinking, adding that the platform enables AI agents and continuous monitoring of models in production. | In production | [Yahoo Finance, May 27, 2026](https://finance.yahoo.com/quote/BNS/earnings/BNS-Q2-2026-earnings_call-566349.html) | | 2026-05-27 | [Scotiabank](https://www.bankingnewsai.com/banks/scotiabank) | **Q2 2026 report names frontier AI as a cyber risk** The report to shareholders says advances in generative and agentic AI create new attack vectors and cites Anthropic's Claude Mythos Preview as enabling rapid discovery of unknown vulnerabilities; the bank is moving to a real-time automated security model with AI-enabled detection and response. Technology spend rose 9% to C$1.4 billion in the quarter. | Announced | [Scotiabank (The Bank of Nova Scotia) newsroom, May 27, 2026](https://scotiabank.com/content/dam/scotiabank/corporate/quarterly-reports/2026/q2/Q226_Shareholders_Report-EN.pdf) | | 2026-05-26 | [SouthState](https://www.bankingnewsai.com/banks/southstate) | **Nichols on agentic commerce at FinovateSpring** Keynote arguing AI agents, paid through tokenised and programmable money, will carry out tasks such as travel planning and booking on customers' behalf. | Announced | [Finovate, May 26, 2026](https://finovate.com/how-tokenization-ai-and-banks-can-drive-the-future-of-commerce) | | 2026-05-21 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) and [TD Bank Group](https://www.bankingnewsai.com/banks/td-bank-group) | **First agentic AI model, in real-estate secured lending** Generates application summary memos for underwriters in minutes; human in the loop. | Announced | [TD Bank Group newsroom, May 21, 2026](https://stories.td.com/ca/en/news/2026-05-21-td-launches-agentic-ai-to-transform-real-estate-secured-lend) | | 2026-05-19 | [JPMorgan](https://www.bankingnewsai.com/banks/jpmorgan-chase) | **CIO: early AI tools lift productivity up to 30%** Beer tells Bloomberg TV agentic AI promises more, while the bank races to contain new risks. | In production | [Bloomberg, May 19, 2026](https://www.bloomberg.com/news/articles/2026-05-19/jpmorgan-s-cio-sees-big-leadership-test-as-ai-fuels-major-shift) | | 2026-05-19 | [DBS](https://www.bankingnewsai.com/banks/dbs) | **'Show me your agent': Tan outlines personal, team and enterprise agents** Tan told The Business Times that staff had created 10,000 personal agents since late 2025, that seven in 10 employees use Gen AI tools (1.8 million prompts a month), and that enterprise-agent work was under way in 11 areas. | Rolling out | [DBS Group Holdings (reprint of a Business Times interview) newsroom, May 19, 2026](https://dbs.com/media/features/ceo-tan-shu-shan-on-how-agentic-ai-is-transforming-the-bank.page) | | 2026-05-14 | [SouthState](https://www.bankingnewsai.com/banks/southstate) | **Co-developing agents on Fiserv's agentOS** Alongside City National, Bank OZK and Salem Five; deployments from summer 2026. | Announced | [American Banker, May 14, 2026](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai) | | 2026-05-14 | [Bank OZK](https://www.bankingnewsai.com/banks/bank-ozk) | **Named a co-developer of Fiserv's agentOS agents** Fiserv's agentic-AI operating system launches; Salem Five, City National Bank, Bank OZK and SouthState are co-developing the next wave of agents, with deployments beginning in the summer. | Announced | [American Banker, May 14, 2026](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai) | | 2026-05-14 | [First Interstate](https://www.bankingnewsai.com/banks/first-interstate) | **Fiserv agentOS: commercial loan onboarding agent in pilot** One of six banks co-developing agents with Fiserv and OpenAI. | Pilot | [American Banker, May 14, 2026](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai) | | 2026-05-14 | [First Interstate](https://www.bankingnewsai.com/banks/first-interstate) | **Fiserv release names First Interstate an agentOS pilot bank** First Interstate and Boulder Dam Credit Union run pilots 'with measurable results'; four more banks co-develop the next agents. | Pilot | [Fiserv (GlobeNewswire), May 14, 2026](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html) | | 2026-05-14 | [First Interstate](https://www.bankingnewsai.com/banks/first-interstate) | **AWS release: agentOS runs on Amazon Bedrock AgentCore** According to AWS, Fiserv runs agentOS on Amazon Bedrock AgentCore with OpenAI as a collaborator; First Interstate Bank is named as one of two pilot clients, across commercial loan onboarding and operational reporting. | Pilot | [Fiserv via Amazon press centre, May 14, 2026](https://press.aboutamazon.com/aws/2026/5/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking) | | 2026-05-13 | [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank) | **TPRM AI: agentic vendor-risk assessment** The multi-agent tool, implemented in December 2025, analyses up to five evidence documents in under two minutes against about 30 minutes for one manually, at around 90% accuracy, with human assessors making the final decision. | Announced | [Deutsche Bank newsroom, May 13, 2026](https://www.db.com/news/detail/20260513-putting-agentic-ai-to-work-in-third-party-risk-management?language_id=1) | | 2026-05-07 | [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | **Multiyear AWS agreement for cloud and generative AI** Hundreds of mission-critical applications move to AWS; Amazon Bedrock, Nova Sonic and Connect Customer underpin GenAI and AI agents; corporate CIO Andy Bingenheimer describes the contact-centre rollout at AWS's New York symposium. | Announced | [American Banker, May 7, 2026](https://americanbanker.com/news/u-s-bank-cobank-rocket-share-ai-use-cases-at-aws-event) | | 2026-05-07 | [MUFG](https://www.bankingnewsai.com/banks/mufg) | **Strategic alliance with Google in retail** MUFG agrees a first phase focused on AI with Google Cloud: agentic commerce and agentic payments infrastructure on Google Cloud, Google Cloud AI for marketing analytics, and bundled Google services; Nikkei Asia reports pilot tests of Google AI on its financial platform in fiscal 2026. | Announced | [Mitsubishi UFJ Financial Group, Inc., May 7, 2026](https://www.mufg.jp/dam/pressrelease/2026/pdf/news-20260507-001_ja.pdf) | | 2026-05-06 | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | **Q1 10-Q repeats the agentic-AI risk factor** The 10-Q carries the agentic-AI and third-party-model risk factor and the cyber-attack language on generative AI and deepfakes. | In production | [Simmons First National (SEC filings), May 6, 2026](https://www.sec.gov/Archives/edgar/data/90498/000162828026031205/sfnc-20260331.htm) | | 2026-05-05 | [BNY](https://www.bankingnewsai.com/banks/bny-mellon) | **Named among Anthropic's finance-agent customers** Anthropic's launch of ten finance agent templates carries a BNY statement: 'With Eliza and Claude, we're giving processes new digital employees who work the case end to end.' | In production | [Anthropic, May 5, 2026](https://www.anthropic.com/news/finance-agents) | | 2026-05-05 | [Axos Bank](https://www.bankingnewsai.com/banks/axos) | **Hearn: 300 AI testers cut to a team of five to seven** At the AI Agent Conference in New York, Kevin Hearn said giving 300 staff an AI agent produced 300 different results, so a small central team now tests agents and governs them. Axos builds business-analyst, Scrum Master and engineering agents on OutSystems Agent Workbench. | In production | [AI Business, May 5, 2026](https://aibusiness.com/agentic-ai/enterprises-contain-agents-balance-risk-reward) | | 2026-05-05 | [Arvest](https://www.bankingnewsai.com/banks/arvest) | **Security engineer on agentic-AI risk** Arvest's principal security engineer endorses Trent AI's AI Security Maturity Model for finding agentic-AI gaps against NIST AI RMF and the EU AI Act. | Pilot | [Trent AI (Business Wire), May 5, 2026](https://www.businesswire.com/news/home/20260505309646/en/Trent-AI-Announces-AI-Security-Maturity-Model-for-Agentic-Era) | | 2026-05-05 | [NatWest](https://www.bankingnewsai.com/banks/natwest) | **Agentic complaints handling enters FCA AI Live Testing** NatWest's Head of Responsible AI described testing an agentic AI model that investigates complaints across multiple data sources and presents a summarised view to a colleague complaint handler for approval, with performance tracked daily on accuracy, coherence and hallucination. | Pilot | [NatWest Group newsroom, May 5, 2026](https://natwestgroup.com/news-and-insights/latest-stories/ai-and-data/2026/may/collaborating-with-the-financial-conduct-authority-on-testing-ag.html) | | 2026-05-04 | [BMO Financial Group](https://www.bankingnewsai.com/banks/bmo-group) | **FIS names BMO among first deployers of an Anthropic-built AML agent** BMO and Amalgamated Bank are in development with FIS's Financial Crimes AI Agent, built with Anthropic's Claude; general availability is planned for the second half of 2026. | Announced | [FIS (Business Wire via FT Markets), May 4, 2026](https://markets.ft.com/data/announce/detail?dockey=600-202605041800BIZWIRE_USPRX____20260504_BW126906-1) | | 2026-05-01 | [Citi](https://www.bankingnewsai.com/banks/citigroup) | **Arc agent platform launched** A platform for building and scaling AI agents, first for developers' internal use cases, then in everyday workflows; 'for the first time, we can deploy embedded AI agents at enterprise scale', said then-CTO David Griffiths. | Rolling out | [CIO Dive, May 1, 2026](https://www.ciodive.com/news/citi-launches-arc-scale-ai-agents/819113/) | | 2026-05-01 | [Lloyds](https://www.bankingnewsai.com/banks/lloyds) | **Envoy agent platform unveiled** Internal platform to build and run AI agents with built-in safety checks, audit trail and an Agent Marketplace, built with Google Cloud. | In production | [Lloyds Banking Group newsroom, May 1, 2026](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/lloyds-banking-group-unveils-envoy.html) | | 2026-05-01 | [NatWest](https://www.bankingnewsai.com/banks/natwest) | **Q1 2026: four AI agents live for commercial customers' onboarding** The Q1 2026 announcement reported four AI-enabled agents live across onboarding and mandates in Commercial & Institutional with embedded human oversight, and that Cora handled 11% more chats than in Q1 2025, 20% of them by generative AI. | In production | [NatWest Group plc (via FT Markets), May 1, 2026](https://markets.ft.com/data/announce/detail?dockey=1323-17572982-6KO5L6JMVM203E07K6DAEHJ83P) | | 2026-05-01 | [NatWest](https://www.bankingnewsai.com/banks/natwest) | **Q1 call: over 40% of code written by AI; 3 engineers and 7 agents deliver in hours** On the first-quarter call Paul Thwaite said over 40% of NatWest code is now written by AI, that a proposition typically needing 12 engineers and 6 weeks can in some cases be delivered by 3 engineers and 7 agents in 6 hours, and that 24,000 start-ups were onboarded in the quarter, 25% more than a year earlier, helped by agentic onboarding. | Announced | [Investing.com, May 1, 2026](https://investing.com/news/transcripts/earnings-call-transcript-natwest-groups-q1-2026-shows-strong-eps-revenue-miss-93CH-4652238) | ### Apr 2026 | Date | Bank | Move | Stage | Source | |---|---|---|---|---| | 2026-04-30 | [ING](https://www.bankingnewsai.com/banks/ing) | **1Q26 call: more than 75% of chats resolved by AI** The CEO reports more than 90% of AI pilots in production, more than 75% of customer chats fully resolved by AI without human support, more than 7 million customers reached by hyper-personalised campaigns, agentic mortgages live in the Netherlands, global hubs holding 27% of tech employees and 40% of the operations workforce, and a 0.6% fall in FTEs against 2% cost growth over 12 months. | Rolling out | [ING Groep N.V. newsroom, Apr 30, 2026](https://ing.com/binaries/content/assets/documents/results/1q2026/1q2026-ing-press-release.pdf) | | 2026-04-30 | [BBVA](https://www.bankingnewsai.com/banks/bbva) | **Q1 2026 call: from eight initiatives to industrialising AI agents** Genç says BBVA is moving towards 'a truly AI-driven bank' by industrialising the creation, governance and operation of AI agents at scale, and that early results are promising; the Q1 release repeats the point. | Announced | [BBVA newsroom, Apr 30, 2026](https://bbva.com/en/economy-and-finance/earnings-1q2026) | | 2026-04-29 | [Synchrony](https://www.bankingnewsai.com/banks/synchrony) | **Proxy statement: Board Technology Committee covers agentic AI** The Technology Committee, chaired by Art Coviello, reviews generative AI technologies such as agentic AI, and the Board holds deep dives on generative AI alongside credit and cybersecurity. | In production | [Synchrony Financial (SEC filing), Apr 29, 2026](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000017/0001601712-26-000017.txt) | | 2026-04-28 | [Amex](https://www.bankingnewsai.com/banks/american-express) | **Amex executive on agentic standards at Nacha panel** SVP Stefan Olofsson names Amex, Stripe, OpenAI, EMVCo and the FIDO Alliance among the groups working on agentic standards and says the ecosystem needs interoperability. | Announced | [Payments Dive, Apr 29, 2026](https://paymentsdive.com/news/amex-pushes-for-agentic-standards/818782) | | 2026-04-24 | [Huntington](https://www.bankingnewsai.com/banks/huntington) | **50 agents in production, 60-plus in development** About 15 new agents a month; the CFO as AI strategist. | In production | [Fortune, Apr 24, 2026](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/) | | 2026-04-24 | [Commonwealth Bank](https://www.bankingnewsai.com/banks/commonwealth-bank) | **Agentic fraud system deployed** CommBank deploys an agentic AI system that detects emerging fraud and scam patterns and proposes detection rules, reviewed by analysts before use; built in three months on Snowflake and the bank's cloud core banking platform. | In production | [Commonwealth Bank of Australia newsroom, Apr 24, 2026](https://commbank.com.au/articles/newsroom/2026/04/ai-agent-spots-fraud-in-real-time.html) | | 2026-04-23 | [Huntington](https://www.bankingnewsai.com/banks/huntington) | **Q1 call: about $50 million of expense tuning, agentic momentum** The CFO says the baseline expense action is about $50 million and that management is accelerating efficiency programmes, with encouraging momentum 'particularly in agentic process transformation'. | Announced | [earnings call transcript (The Motley Fool), Apr 23, 2026](https://fool.com/earnings/call-transcripts/2026/05/04/huntington-hban-q1-2026-earnings-transcript) | | 2026-04-23 | [Amex](https://www.bankingnewsai.com/banks/american-express) | **Q1 call: 'a new era of commerce'** Agentic and generative AI emphasised; more marketing and technology spend planned. | Announced | [American Banker, Apr 23, 2026](https://www.americanbanker.com/payments/news/amex-earnings-beat-wall-street-estimates) | | 2026-04-23 | [Amex](https://www.bankingnewsai.com/banks/american-express) | **Q1 call: 'data is king' in the agentic world** Squeri reports a 30% benefit for programmers, says the ACE kit requires an agent to declare intent so it can be matched with the purchase, and flags coming announcements with leading AI companies. | Announced | [The Motley Fool, Apr 23, 2026](https://fool.com/earnings/call-transcripts/2026/04/23/amex-axp-q1-2026-earnings-call-transcript) | | 2026-04-23 | [Valley](https://www.bankingnewsai.com/banks/valley) | **CEO lists AI use cases already in production** A voice AI agent calling past-due auto-loan customers, fraud and alert-prioritisation tools, next-best-offer sales AI; about 100 fewer employees over the year, with some of the savings reinvested in AI. | In production | [Valley National Bancorp (SEC filings), Apr 23, 2026](https://www.sec.gov/Archives/edgar/data/714310/000071431026000020/exhibit991earningsrelease0.htm) | | 2026-04-23 | [Valley](https://www.bankingnewsai.com/banks/valley) | **First-quarter deck presents Valley's AI strategy, use cases and journey** Slides set out guiding principles (measurable value, responsible AI), an AI team reporting to the head of data and analytics, and five use cases including agentic AI for credit underwriting; the roadmap runs from foundations (2023-2025) to 'AI portfolio execution' (2025-2027) and an AI-native organisation from 2028. | Announced | [Valley National Bancorp (SEC filings), Apr 23, 2026](https://www.sec.gov/Archives/edgar/data/714310/000071431026000020/a1q26earningspresentatio.htm) | | 2026-04-23 | [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | **Q1 2026 call: Ranger and a three-pronged AI strategy** In-house multi-LLM platform used by about 80% of employees; agents live in loan operations and fraud; credit agents next quarter; 280 employee-built agents; selective third-party AI. | Rolling out | [The Motley Fool (Yahoo Finance), Apr 23, 2026](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html) | | 2026-04-23 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | **Q1 2026 deck: AI roadmap and per-employee metrics** Roadmap from a governance-and-data foundation (2024) through piloting use cases in production (2025) and deploying use cases and agentic resources (2026) to end-to-end mass deployment (2027+); revenue per employee $981,000 in 2025. | Pilot | [Customers Bancorp (SEC filings), Apr 23, 2026](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000062/q126investorpresentation.htm) | | 2026-04-23 | [Live Oak](https://www.bankingnewsai.com/banks/live-oak) | **Q1 2026 call: 300-plus employee-built agents** Management describes the bank moving to an 'AI-native framework' with over 300 employee-built AI agents in use. | In production | [Moby via Yahoo Finance, Apr 23, 2026](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-inc-q1-123000818.html) | | 2026-04-22 | [Citi](https://www.bankingnewsai.com/banks/citigroup) | **Citi Sky unveiled with Google Cloud and DeepMind** Built on Gemini Enterprise Agent Platform with DeepMind real-time avatar technology; English and Spanish at launch; phased rollout to Citigold clients from the summer. | In production | [Citigroup (PR Newswire), Apr 22, 2026](https://www.prnewswire.com/news-releases/citi-wealth-unveils-citi-sky--an-ai-powered-member-of-the-citi-wealth-team-built-using-google-cloud-and-google-deepmind-technologies-302749822.html) | | 2026-04-22 | [Raymond James](https://www.bankingnewsai.com/banks/raymond-james) | **Q2 call: Rai piloted with a few hundred advisors; agentic AI next** Technology spend now more than $1.1 billion a year; the CEO calls margin estimates from AI 'too preliminary' and names agentic AI as the next phase. | Pilot | [Yahoo Finance, Apr 22, 2026](https://finance.yahoo.com/markets/stocks/articles/raymond-james-rjf-q2-2026-234354155.html) | | 2026-04-22 | [Stifel Bank](https://www.bankingnewsai.com/banks/stifel-bank) | **Q1 2026: AI first of four strategic topics; agentic AI and sweep cash** The deck lists AI first; the CEO said AI is good at summarising and organising but lacks advisers' judgment, and that the firm has unused levers such as platform and account fees if agentic AI moves sweep cash. | Announced | [Stifel Financial (SEC filings), Apr 22, 2026](https://www.sec.gov/Archives/edgar/data/720672/000119312526168288/d113868dex993.htm) | | 2026-04-21 | [Synchrony](https://www.bankingnewsai.com/banks/synchrony) | **Q1 2026 call: 90% of professionals use AI; agentic commerce a 'big area of focus'** The CFO says Synchrony wants financing embedded where purchases complete inside AI platforms and that coders and 90% of the professional workforce use gen-AI tools, with speed to market the nearest-term benefit. | Announced | [Investing.com, Apr 21, 2026](https://investing.com/news/transcripts/earnings-call-transcript-synchrony-financial-beats-q1-2026-forecasts-93CH-4626359) | | 2026-04-21 | [United Community](https://www.bankingnewsai.com/banks/united-community) | **Q1 call: AI's 'strong payback'** Fraud losses down 50% over two years partly thanks to vendors' AI; contact-centre chatbots take more calls with the same agents; AI-assisted programming; agentic AI for processes such as flood checks at the conversational stage. | Announced | [United Community Banks (SEC filings), Apr 21, 2026](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm) | | 2026-04-21 | [Stifel Bank](https://www.bankingnewsai.com/banks/stifel-bank) | **Shareholder letter: 'AI: a headwind or a tailwind?'** AI agents gather information and prepare analysis before advisers meet clients; AI is changing how research analysts, bankers and capital-markets teams work. | Announced | [Stifel Financial newsroom, Apr 21, 2026](https://www.stifel.com/Newsletters/AdGraphics/newsletters/ShareholderLetter2025/2025-AR-Shareholder-Letter.pdf) | | 2026-04-20 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | **ICLR 2026: alignment and guardian-model research** Gold sponsor and contributor on LLM alignment, uncertainty and responsible agentic systems, including the DynaGuard guardian model. | Announced | [Capital One newsroom, Apr 20, 2026](https://www.capitalone.com/tech/ai/capital-one-at-iclr-2026/) | | 2026-04-20 | [HSBC](https://www.bankingnewsai.com/banks/hsbc-usa) and [HSBC](https://www.bankingnewsai.com/banks/hsbc) | **Agentic trade-finance proof of concept with Microsoft, ANZ and Lloyds** Microsoft describes a prototype shown at Sibos 2025 in which AI agents inside ERP systems extract and validate trade data and send it to banks including HSBC. | Pilot | [Microsoft, Apr 20, 2026](https://www.microsoft.com/en-us/microsoft-cloud/blog/financial-services/2026/04/20/reimagining-trade-finance-with-ai-a-collaborative-proof-of-concept-from-microsoft-anz-hsbc-and-lloyds/) | | 2026-04-20 | [Zions](https://www.bankingnewsai.com/banks/zions) | **Q1 2026 call: CEO on AI use cases and the agentic-AI threat** Appraisal, document and contract review, and AI in credit review to widen the population of deals examined; clean data from the core replacement is the advantage; concerns about agentic AI and deposit margins 'get overplayed'. | Announced | [Yahoo Finance, Apr 21, 2026](https://finance.yahoo.com/markets/stocks/articles/zions-zion-q1-2026-earnings-135526314.html) | | 2026-04-16 | [Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | **Q1 call: 'Schwab is already an AI-enabled company'** Wurster lays out an AI roadmap: an investor AI assistant from June built with 'a leading AI agent firm', a voice agent with human handoffs, generative search on schwab.com and Wealth.com AI estate planning, alongside AI tools for all 33,000 employees. | Pilot | [The Motley Fool (Yahoo Finance), Apr 16, 2026](https://finance.yahoo.com/markets/stocks/articles/schwab-schw-q1-2026-earnings-145425271.html) | | 2026-04-16 | [BNY](https://www.bankingnewsai.com/banks/bny-mellon) | **Q1 deck: 50% daily users, >50% building agents, ~220 solutions, ~140 digital employees** Record quarterly revenue; the transformation agenda's metrics. | Announced | [BNY newsroom, Apr 16, 2026](https://www.bny.com/assets/corporate/documents/pdf/investor-relations/earnings/quarterly-update-presentation-1q-2026.pdf) | | 2026-04-16 | [Amex](https://www.bankingnewsai.com/banks/american-express) | **Agrees to buy Hypercard** Agentic expense management; AI talent for commercial services. | Rolling out | [American Banker, Apr 16, 2026](https://www.americanbanker.com/payments/news/amex-agrees-to-buy-more-tools-to-feed-its-ai-plans) | | 2026-04-16 | [DBS](https://www.bankingnewsai.com/banks/dbs) | **Group COO sets out agent control-plane advice after visiting AI labs** Derrick Goh wrote that after a Silicon Valley trip to OpenAI, Anthropic, Google, Microsoft, Cursor and LangChain he advised an agentic control plane for oversight of all enterprise agents, that over 70% of staff use DBS-GPT, and that DBS aims to save people, not jobs. | Announced | [Euromoney (DBS-sponsored article by Group COO Derrick Goh), Apr 16, 2026](https://www.euromoney.com/article/1knptsrkpgtcc4sksw488gkw0/insights-from-dbs-on-being-a-trusted-ai-enabled-bank-with-a-heart/) | | 2026-04-16 | [TD Bank Group](https://www.bankingnewsai.com/banks/td-bank-group) | **Chun on Anthropic and personal AI agents for front-line colleagues** At the annual meeting he tells the Globe and Mail that TD does some work with Anthropic but is not in the limited Claude Mythos preview, and that TD plans a personal AI agent for each employee that summarises a client's portfolio and past conversations. | Announced | [The Globe and Mail, Apr 16, 2026](https://theglobeandmail.com/business/article-anthropic-claude-mythos-software-rollout-td-ceo) | | 2026-04-15 | [BofA](https://www.bankingnewsai.com/banks/bank-of-america) | **Q1 2026 call: all 200,000 teammates have AI access** Moynihan cites 90 AI installations working and says the bank will be 'more agentic versus prompt' as its 90,000-strong sales force moves to agent tools. | Announced | [The Motley Fool (Yahoo Finance), Apr 15, 2026](https://finance.yahoo.com/markets/stocks/articles/bofa-bac-q1-2026-earnings-153843706.html) | | 2026-04-15 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | **Shareholder letter: 'This is not AI theater'** AI in production writing code, automating manual processes, routing customer communications and accelerating underwriting; phase two is end-to-end workflows run by AI agents under human supervision. | In production | [Customers Bancorp (SEC filings), Apr 15, 2026](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000053/annualreviewletterwithap.htm) | | 2026-04-14 | [Amex](https://www.bankingnewsai.com/banks/american-express) | **ACE developer kit and Agent Purchase Protection** Integrate Amex payments in agentic experiences; protection for purchases by registered AI agents. | In production | [American Express, Apr 14, 2026](https://www.americanexpress.com/en-us/newsroom/articles/innovation/american-express-debuts-agentic-commerce-experiences--ace--devel.html) | | 2026-04-14 | [Amex](https://www.bankingnewsai.com/banks/american-express) | **Amex Ventures backs Bluefish** An agentic marketing platform Amex also uses to understand how it shows up in AI channels. | Announced | [Bluefish (PR Newswire), Apr 14, 2026](https://www.prnewswire.com/news-releases/bluefish-raises-43-million-series-b-to-power-agentic-marketing-for-the-fortune-500-302741124.html) | | 2026-04-13 | [Fifth Third](https://www.bankingnewsai.com/banks/fifth-third) | **Newline MCP server adds Skills** Standardises how AI models use tools and workflows for embedded-finance clients. | In production | [Fifth Third (Business Wire via Yahoo Finance), Apr 13, 2026](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html) | | 2026-04-08 | [State Street](https://www.bankingnewsai.com/banks/state-street) | **2026 proxy credits the COO with a comprehensive AI strategy and an agentic platform push** The HRC applied a +2.5% individual modifier to Mostapha Tahiri's 2025 award for delivering a 'comprehensive artificial intelligence (AI) strategy' and moving to a platform-and-pods model to accelerate an Agentic AI platform; CEO and CFO scorecards cite AI-enabled capabilities and AI-driven client tools. | Announced | [State Street (SEC filing), Apr 8, 2026](https://www.sec.gov/Archives/edgar/data/93751/000114036126013817/ny20058931x1_def14a.htm) | | 2026-04-08 | [Bread Financial](https://www.bankingnewsai.com/banks/bread-financial) | **CTO: own agentic AI platform, one-year vendor contracts** Fortune reported Driscoll keeps generative-AI vendor agreements to one year, sometimes pays two vendors to compare them, and could replace vendors such as Harvey and Jasper as Bread develops its own agentic AI platform. | Announced | [Fortune, Apr 8, 2026](https://fortune.com/2026/04/08/amid-the-saaspocalypse-cios-and-ctos-take-a-harder-line-with-their-vendors) | | 2026-04-07 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | **Brex deal closes** Brex, which Capital One's January announcement said serves over 25,000 companies, brings a suite of agentic AI products to the business-banking strategy. | Announced | [Capital One newsroom, Apr 7, 2026](https://www.capitalone.com/about/newsroom/capital-one-completes-acquisition-of-brex/) | | 2026-04-03 | [Sallie Mae](https://www.bankingnewsai.com/banks/sallie-mae) | **Unit21 release names Sallie Mae as a customer** The release describes a fraud and AML platform with AI agents that draft investigation narratives; it does not describe Sallie Mae's deployment. | In production | [Unit21 (Business Wire), Apr 3, 2026](https://www.businesswire.com/news/home/20260403313048/en/Unit21-Appoints-Tyler-Allen-as-Chief-Executive-Officer-as-Company-Accelerates-AI-Risk-Infrastructure-Vision) | | 2026-04-01 | [HSBC](https://www.bankingnewsai.com/banks/hsbc-usa) | **Partner bank for Mastercard's agentic payment in Hong Kong** An AI agent books and pays for an airport ride share using Mastercard's agent-authorisation protocol. | Announced | [American Banker, Apr 2, 2026](https://americanbanker.com/payments/news/visa-mastercard-expand-agentic-ai-deployments) | ### Mar 2026 | Date | Bank | Move | Stage | Source | |---|---|---|---|---| | 2026-03-30 | [Lloyds](https://www.bankingnewsai.com/banks/lloyds) | **Four-year agentic AI research programme with the University of Glasgow** 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. | Announced | [Lloyds Banking Group newsroom, Mar 30, 2026](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/lloyds-uog-announce-ai-research.html) | | 2026-03-27 | [HSBC](https://www.bankingnewsai.com/banks/hsbc) | **First live agentic transaction in Hong Kong, with HSBC** Mastercard completes an AI-agent ride booking using Agent Pay, conducted with HSBC and DBS Hong Kong, using tokenised credentials authenticated by Payment Passkeys. | Pilot | [Mastercard, Mar 27, 2026](https://mastercard.com/news/ap/en-hk/newsroom/press-releases/en-hk/2026/mastercard-completes-its-first-live-agentic-transaction-in-hong-kong) | | 2026-03-26 | [BMO](https://www.bankingnewsai.com/banks/bmo-us) and [BMO Financial Group](https://www.bankingnewsai.com/banks/bmo-group) | **Investor Day AI scorecard** 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. | Announced | [BMO Financial Group (investor relations) newsroom, Mar 26, 2026](https://www.bmo.com/ir/files/pdfs/BMOInvestorDayPresentation.pdf) | | 2026-03-25 | [Amex](https://www.bankingnewsai.com/banks/american-express) | **Shareholder letter: AI as accelerant** 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. | In production | [Bloomberg, Mar 25, 2026](https://www.bloomberg.com/news/articles/2026-03-25/amex-makes-case-for-its-ai-efforts-in-wake-of-stock-drop-turmoil) | | 2026-03-25 | [Amex](https://www.bankingnewsai.com/banks/american-express) | **Letter details internal AI deployment** 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. | Rolling out | [American Express, Mar 25, 2026](https://www.americanexpress.com/en-us/newsroom/articles/financial-news/2026-chairman-s-letter-to-shareholders.html) | | 2026-03-25 | [Atlantic Union](https://www.bankingnewsai.com/banks/atlantic-union) | **Annual report: 'exploring' AI, with an agentic-AI risk factor** Some models already use AI or machine learning. | Announced | [Atlantic Union Bankshares newsroom, Mar 25, 2026](https://investors.atlanticunionbank.com/sec-filings/all-sec-filings/content/0001104659-26-034181/aub-20251231xars.pdf) | | 2026-03-20 | [Standard Chartered](https://www.bankingnewsai.com/banks/standard-chartered) | **MAS AI risk toolkit lists Standard Chartered among 24 MindForge participants** 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. | Announced | [The Business Times, Mar 20, 2026](https://www.businesstimes.com.sg/companies-markets/mas-launches-ai-risk-toolkit-financial-institutions-case-studies-dbs-peers) | | 2026-03-20 | [OCBC](https://www.bankingnewsai.com/banks/ocbc) | **MAS AI risk-management toolkit includes OCBC as a participant** OCBC is among 24 consortium members, with DBS, UOB, Standard Chartered and others, behind the MindForge toolkit covering traditional, generative and agentic AI. | Announced | [The Business Times, Mar 20, 2026](https://businesstimes.com.sg/companies-markets/mas-launches-ai-risk-toolkit-financial-institutions-case-studies-dbs-peers) | | 2026-03-20 | [UOB](https://www.bankingnewsai.com/banks/uob) | **UOB among 24 participants in MAS MindForge AI risk toolkit** 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. | Announced | [The Business Times, Mar 20, 2026](https://businesstimes.com.sg/companies-markets/mas-launches-ai-risk-toolkit-financial-institutions-case-studies-dbs-peers) | | 2026-03-18 | [ING](https://www.bankingnewsai.com/banks/ing) | **Morgan Stanley conference: 'Driving value through digitalisation, scalability and (Gen)AI'** 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. | Rolling out | [ING Groep N.V. newsroom, Mar 18, 2026](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf) | | 2026-03-17 | [Barclays](https://www.bankingnewsai.com/banks/barclays) | **Early issuing partner in Visa Agentic Ready** 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. | Pilot | [Visa, Mar 17, 2026](https://www.visa.co.uk/about-visa/newsroom/press-releases.3437886.html) | | 2026-03-17 | [Commonwealth Bank](https://www.bankingnewsai.com/banks/commonwealth-bank) | **In-house agentic threat-hunting tools described** 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. | In production | [The Register, Mar 17, 2026](https://theregister.com/2026/03/17/commonwealth_bank_ai_defense) | | 2026-03-12 | [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank-us) and [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank) | **2025 Form 20-F includes an agentic-AI risk factor** 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. | In production | [Deutsche Bank AG (SEC filings), Mar 12, 2026](https://www.sec.gov/Archives/edgar/data/1159508/000115950826000017/db-20251231.htm) | | 2026-03-12 | [Santander](https://www.bankingnewsai.com/banks/santander) | **Visa Intelligent Commerce pilot in five Latin American markets** 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. | Pilot | [Banco Santander newsroom, Mar 12, 2026](https://santander.com/en/press-room/press-releases/2026/03/santander-and-visa-deliver-latin-americas-first-end-to-end-payments-powered-by-ai-agents) | | 2026-03-11 | [BNY](https://www.bankingnewsai.com/banks/bny-mellon) | **BNY Pershing reports 160 'digital employees'** 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. | Announced | [BNY newsroom, Apr 16, 2026](https://www.bny.com/assets/corporate/documents/pdf/investor-relations/earnings/quarterly-update-presentation-1q-2026.pdf) | | 2026-03-10 | [JPMorgan](https://www.bankingnewsai.com/banks/jpmorgan-chase) | **J.P. Morgan Payments partners with Mirakl on agentic commerce** 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. | Pilot | [Finovate, Mar 10, 2026](https://finovate.com/jp-morgan-payments-taps-mirakl-to-enable-agentic-commerce/) | | 2026-03-10 | [Zions](https://www.bankingnewsai.com/banks/zions) | **Gemini platform, document AI, and 'no autonomous AI' in client decisions** The new leadership on AI governance, unstructured-document processing and a measured stance; stablecoin trials planned. | Pilot | [American Banker, Mar 10, 2026](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins) | | 2026-03-10 | [OCBC](https://www.bankingnewsai.com/banks/ocbc) | **2025 annual report: Next Frontier strategy and agentic source-of-wealth tool** 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. | In production | [Oversea-Chinese Banking Corporation (via HKMA Banking Disclosure Repository), Mar 10, 2026](https://vpr.hkma.gov.hk/statics/assets/doc/100020/ar_25/ar_25_eng.pdf) | | 2026-03-06 | [State Street](https://www.bankingnewsai.com/banks/state-street) | **Manoj Bohra named chief data and AI officer** 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. | Announced | [State Street newsroom, Sep 24, 2026](https://www.statestreet.com/us/en/about/our-people/leadership/manoj-bohra) | | 2026-03-05 | [Citizens](https://www.bankingnewsai.com/banks/citizens) | **Proxy statement: AI and agentic AI in how the bank is run** Reimagine the Bank described to shareholders. | Announced | [Citizens Financial Group newsroom, Mar 5, 2026](https://investor.citizensbank.com/~/media/Files/C/CitizensBank-IR/cfg-pxy-2026-wo24-web-ready.pdf) | | 2026-03-02 | [Synchrony](https://www.bankingnewsai.com/banks/synchrony) | **Consumer survey: 56% used generative AI for holiday shopping** 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. | Announced | [Synchrony (PR Newswire) newsroom, Mar 2, 2026](https://investors.synchrony.com/news-events/financial-news/detail/558/generative-ai-is-fast-becoming-consumers-go-to-shopping-advisor) | | 2026-03-02 | [Santander](https://www.bankingnewsai.com/banks/santander-us) | **Mastercard Agent Pay: Europe's first live agent payment** 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. | Rolling out | [Banco Santander newsroom, Mar 2, 2026](https://www.santander.com/en/press-room/press-releases/2026/03/santander-and-mastercard-complete-europes-first-live-end-to-end-payment-executed-by-an-ai-agent) | | 2026-03-02 | [Eastern Bank](https://www.bankingnewsai.com/banks/eastern) | **2025 10-K: AI 'not currently material'** 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. | Announced | [Eastern Bankshares (SEC filings), Mar 2, 2026](https://www.sec.gov/Archives/edgar/data/1810546/000162828026013126/ebc-20251231.htm) | | 2026-03-02 | [Santander](https://www.bankingnewsai.com/banks/santander) | **Europe's first live agentic payment with Mastercard** 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. | Pilot | [Banco Santander newsroom, Mar 2, 2026](https://santander.com/content/dam/santander-com/en/documentos/notas-de-prensa/2026/03/np-2026-03-02-santander-y-mastercard-completan-el-primer-pago-real-ejecutado-por-un-agente-de-ia-en-europa-en.pdf) | ### Feb 2026 | Date | Bank | Move | Stage | Source | |---|---|---|---|---| | 2026-02-27 | [Valley](https://www.bankingnewsai.com/banks/valley) | **2025 10-K: AI risk factor and an AI governance function** 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. | Announced | [Valley National Bancorp (SEC filings), Feb 27, 2026](https://www.sec.gov/Archives/edgar/data/714310/000071431026000017/vly-20251231.htm) | | 2026-02-26 | [BNY](https://www.bankingnewsai.com/banks/bny-mellon) | **Patent application: orchestrating interaction with an AI application** 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. | Announced | [Google Patents (USPTO), Feb 26, 2026](https://patents.google.com/patent/US20260057262A1/en) | | 2026-02-26 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) | **Q1 fiscal 2026 call: US ML models in transaction monitoring, new KYC platform live** 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. | In production | [TD Bank Group newsroom, Feb 26, 2026](https://www.td.com/content/dam/tdcom/canada/about-td/pdf/quarterly-results/2026/q1/2026-q1-td-transcript.pdf) | | 2026-02-26 | [Atlantic Union](https://www.bankingnewsai.com/banks/atlantic-union) | **Form 10-K filed with AI model and agentic-AI risk language** 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. | Announced | [SEC (EDGAR), Feb 26, 2026](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm) | | 2026-02-26 | [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | **10-K: current AI use 'not material'** Risk factor on generative and agentic AI, opaque models and vendors' AI. | Announced | [SEC EDGAR, Feb 26, 2026](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm) | | 2026-02-26 | [ING](https://www.bankingnewsai.com/banks/ing) | **2025 Form 20-F: AI Risk Committee and seven-country chatbots** 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. | In production | [ING Groep N.V. (SEC filing), Feb 26, 2026](https://www.sec.gov/Archives/edgar/data/0001039765/000162828026011979/ing-20251231.htm) | | 2026-02-26 | [TD Bank Group](https://www.bankingnewsai.com/banks/td-bank-group) | **Q1 2026 call: about C$170 million of AI value in 2025** 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. | Announced | [Banking Dive, Mar 3, 2026](https://www.bankingdive.com/news/td-bank-150m-insurance-cost-reductions-ai-chun-salom/813637/) | | 2026-02-26 | [NatWest](https://www.bankingnewsai.com/banks/natwest) | **CFO: all complaint letters AI-written with a human check** 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. | Announced | [NatWest Group plc newsroom, Feb 26, 2026](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/02052025/natwest-group-q4-25-sellside-roundtable-transcript.pdf) | | 2026-02-25 | [BofA](https://www.bankingnewsai.com/banks/bank-of-america) | **2025 10-K: autonomous AI agents and third-party models as risks** 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. | In production | [Bank of America (SEC filings), Feb 25, 2026](https://www.sec.gov/Archives/edgar/data/70858/000007085826000157/bac-20251231.htm) | | 2026-02-25 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) | **Branch Virtual Assistant expands nationally; agentic lending capability scales** Q1 fiscal 2026 report; CFO targets $150 million of claims-cost cuts with AI. | Announced | [TD Bank Group newsroom, Feb 25, 2026](https://www.td.com/content/dam/tdcom/canada/about-td/pdf/quarterly-results/2026/q1/2026-q1-report-shareholders-en.pdf) | | 2026-02-25 | [Ally](https://www.bankingnewsai.com/banks/ally) | **2025 10-K adds a stand-alone AI risk factor** 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). | Announced | [Ally Financial (SEC filings), Feb 25, 2026](https://www.sec.gov/Archives/edgar/data/40729/000004072926000005/ally-20251231.htm) | | 2026-02-25 | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | **2025 10-K: AI risk factor names agentic AI** 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. | In production | [Simmons First National (SEC filings), Feb 25, 2026](https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm) | | 2026-02-25 | [Banner Bank](https://www.bankingnewsai.com/banks/banner) | **2025 10-K: AI risk factor** 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. | Announced | [Banner Corporation (SEC filings), Feb 25, 2026](https://www.sec.gov/Archives/edgar/data/946673/000094667326000009/banr-20251231.htm) | | 2026-02-25 | [Santander](https://www.bankingnewsai.com/banks/santander) | **Investor day: more than EUR 1bn of AI business value by 2028** 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. | Announced | [Banco Santander newsroom, Feb 25, 2026](https://santander.com/en/press-room/press-releases/2026/02/2026-santander-investor-day) | | 2026-02-25 | [OCBC](https://www.bankingnewsai.com/banks/ocbc) | **Next Frontier strategy launched; Tan says agentic AI may not be ready** 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. | In production | [The Straits Times, Feb 25, 2026](https://straitstimes.com/business/banking/ocbc-q4-profit-up-3-to-1-75-billion-to-beat-forecasts-proposes-special-dividend) | | 2026-02-24 | [Zions](https://www.bankingnewsai.com/banks/zions) | **2025 10-K: early-stage AI, human review, a Data and AI Governance Committee** No fully autonomous AI in critical decisions or client-facing activities; risk factor covers hallucinations, bias, confidential-data disclosure and AI-enabled fraud. | Announced | [Zions Bancorporation (SEC filings), Feb 24, 2026](https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm) | | 2026-02-23 | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | **2025 10-K adds a dedicated AI risk factor** 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. | In production | [Western Alliance Bancorporation (SEC filings), Feb 23, 2026](https://www.sec.gov/Archives/edgar/data/1212545/000162828026010336/wal-20251231.htm) | | 2026-02-20 | [Citi](https://www.bankingnewsai.com/banks/citigroup) | **2025 10-K: a dedicated AI risk factor** 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. | In production | [Citigroup (SEC filings), Feb 20, 2026](https://www.sec.gov/Archives/edgar/data/831001/000083100126000011/c-20251231.htm) | | 2026-02-19 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | **2025 10-K: 'our evolving use of AI' is a risk factor** Models and AI in pricing, fraud detection, loan grading, credit and software development; agentic-commerce fraud liability; uncertain IP protection for AI output. | In production | [Capital One via SEC EDGAR, Feb 19, 2026](https://www.sec.gov/Archives/edgar/data/927628/000092762826000024/cof-20251231.htm) | | 2026-02-19 | [State Street](https://www.bankingnewsai.com/banks/state-street) | **2025 10-K: AI, generative AI and agentic AI in the risk factors** 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'. | Announced | [State Street (SEC filing), Feb 19, 2026](https://www.sec.gov/Archives/edgar/data/93751/000009375126000124/stt-20251231.htm) | | 2026-02-19 | [Old National](https://www.bankingnewsai.com/banks/old-national) | **2025 10-K names AI a risk factor** 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. | In production | [Old National Bancorp (SEC filings), Feb 19, 2026](https://www.sec.gov/Archives/edgar/data/707179/000070717926000010/onb-20251231.htm) | | 2026-02-19 | [First Financial Bank](https://www.bankingnewsai.com/banks/first-financial-ohio) | **2025 10-K: stand-alone AI risk factor** 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. | In production | [First Financial Bancorp (SEC filings), Feb 19, 2026](https://www.sec.gov/Archives/edgar/data/708955/000070895526000028/ffbc-20251231.htm) | | 2026-02-17 | [NatWest](https://www.bankingnewsai.com/banks/natwest) | **CIO frames 2026 as the year transformative AI becomes real** 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. | Announced | [Finextra, Feb 17, 2026](https://finextra.com/newsarticle/47312/natwest-boasts-of-ai-benefits) | | 2026-02-16 | [DBS](https://www.bankingnewsai.com/banks/dbs) | **First Asia-Pacific issuer to pilot Visa Intelligent Commerce** 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. | Pilot | [DBS Group Holdings newsroom, Feb 16, 2026](https://dbs.com/newsroom/DBS_is_first_bank_in_Asia_Pacific_to_pilot_Visa_Intelligent_Commerce_for_everyday_payments) | | 2026-02-13 | [JPMorgan](https://www.bankingnewsai.com/banks/jpmorgan-chase) | **2025 10-K adds a generative and agentic AI risk factor** 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. | In production | [JPMorgan Chase & Co. (SEC filings), Feb 13, 2026](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm) | | 2026-02-13 | [Bread Financial](https://www.bankingnewsai.com/banks/bread-financial) | **10-K: AI knowledge tool, AI risk factor, agentic commerce** 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. | Announced | [Bread Financial Holdings (SEC filing), Feb 13, 2026](https://www.sec.gov/Archives/edgar/data/1101215/000110121526000016/bfh-20251231.htm) | | 2026-02-13 | [NatWest](https://www.bankingnewsai.com/banks/natwest) | **FY2025 results: AI deployment at scale and a published AI roadmap** 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. | In production | [NatWest Group plc (company announcement) newsroom, Feb 13, 2026](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/nwg-company-announcement.pdf) | | 2026-02-13 | [NatWest](https://www.bankingnewsai.com/banks/natwest) | **CEO on the results call: about 35% of code written by AI, agentic pilots at 10x** 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. | In production | [NatWest Group plc newsroom, Feb 13, 2026](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/24102025/natwest-group-q425-management-presentation-transcript.pdf) | | 2026-02-11 | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | **CEO at Bank of America: 10 AI teams, agentic customer service, coding gains** 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. | Announced | [Investing.com, Feb 11, 2026](https://investing.com/news/transcripts/first-horizon-at-bank-of-america-conference-strategic-growth-focus-93CH-4500462) | | 2026-02-10 | [PNC](https://www.bankingnewsai.com/banks/pnc) | **BofA conference: the 'Big Five', $1.5 billion of AI-addressable spend** 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'. | Announced | [Investing.com, Feb 10, 2026](https://www.investing.com/news/transcripts/pnc-financial-at-bank-of-america-conference-strategic-growth-in-2026-93CH-4497725) | | 2026-02-10 | [Morgan Stanley](https://www.bankingnewsai.com/banks/morgan-stanley) | **Finn: 'super agents' from thousands of smaller agents; 3,500 tools** 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. | Rolling out | [WealthManagement.com, Feb 10, 2026](https://www.wealthmanagement.com/artificial-intelligence/morgan-stanley-s-wealth-head-addresses-ai-driven-pressures) | | 2026-02-10 | [Barclays US](https://www.bankingnewsai.com/banks/barclays-us) and [Barclays](https://www.bankingnewsai.com/banks/barclays) | **20-F names AI a US Consumer Bank focus area** 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. | In production | [SEC (Barclays PLC 20-F), Feb 10, 2026](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm) | | 2026-02-09 | [BNY](https://www.bankingnewsai.com/banks/bny-mellon) | **134 'digital employees'; $3.8 billion tech spend** CNBC: about 19% of revenue, the highest proportion among peers. | Announced | [CNBC, Feb 9, 2026](https://www.cnbc.com/2026/02/09/digital-employees-ai-bootcamps-americas-oldest-bank-spends-billions-on-tech.html) | | 2026-02-06 | [Amex](https://www.bankingnewsai.com/banks/american-express) | **10-K: agentic commerce as a competitive and model risk** Autonomous AI agents transacting for users could disintermediate customer relationships; AI flaws, bias and hallucinations listed among the risks. | Announced | [American Express (SEC filings), Feb 6, 2026](https://www.sec.gov/Archives/edgar/data/4962/000000496226000080/axp-20251231.htm) | | 2026-02-06 | [Synchrony](https://www.bankingnewsai.com/banks/synchrony) | **2025 10-K names agentic commerce and gen-AI fraud as risks** 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. | In production | [Synchrony Financial (SEC filing), Feb 6, 2026](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm) | | 2026-02-05 | [Barclays](https://www.bankingnewsai.com/banks/barclays) | **GenAI call summaries at Barclays US Consumer Bank** More than eight million customer calls summarised since October 2025; described as part of a broader global strategy to use agentic and generative AI. | Announced | [Barclays newsroom, Feb 5, 2026](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/) | ### Jan 2026 | Date | Bank | Move | Stage | Source | |---|---|---|---|---| | 2026-01-29 | [Lloyds](https://www.bankingnewsai.com/banks/lloyds) | **FY2025: GenAI delivered about £50 million; over £100 million expected in 2026** 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. | In production | [Lloyds Banking Group newsroom, Jan 29, 2026](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/ai-driven-benefits-2026.html) | | 2026-01-27 | [Stifel Bank](https://www.bankingnewsai.com/banks/stifel-bank) | **Stifel Bank named banking partner of agentic-AI firm Kore.ai** Kore.ai's growth-investment release thanks 'our banking partner Stifel Bank'. | Announced | [Kore.ai (Business Wire), Jan 27, 2026](https://www.businesswire.com/news/home/20260127097719/en/Kore.ai-Secures-Strategic-Growth-Investment-from-AllianceBernstein-to-Scale-the-Next-Phase-of-Agentic-Enterprise-AI) | | 2026-01-26 | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | **AWS executive hired to expand AI use** Faraz Shafiq to study company-wide needs for generative and agentic AI and manage those products. | Announced | [Bloomberg, Jan 26, 2026](https://www.bloomberg.com/news/articles/2026-01-26/wells-fargo-taps-amazon-web-services-executive-to-expand-ai-use) | | 2026-01-22 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | **Q4 2025 call: a stack built 'working backwards from the AI revolution'** 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. | In production | [The Motley Fool (Yahoo Finance), Jan 23, 2026](https://finance.yahoo.com/news/capital-one-cof-q4-2025-002436593.html) | | 2026-01-22 | [Old National](https://www.bankingnewsai.com/banks/old-national) | **Quavo Customer Confidence Award** Highest client satisfaction in dispute resolution, judged by an agentic-AI disputes provider. | Announced | [Old National Bancorp newsroom, Jan 22, 2026](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Receives-2026-Trust-in-Banking-Award) | | 2026-01-20 | [WaFd Bank](https://www.bankingnewsai.com/banks/wafd) | **AWS lists WaFd among Talkdesk CXA customers** 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. | Announced | [Amazon Web Services, Jan 20, 2026](https://aws.amazon.com/blogs/apn/how-talkdesk-cxa-and-aws-are-redefining-customer-experience-with-agentic-ai/) | | 2026-01-20 | [Santander](https://www.bankingnewsai.com/banks/santander) | **Getnet sets out its agentic-commerce strategy** 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. | Pilot | [Banco Santander newsroom, Jan 20, 2026](https://santander.com/en/press-room/press-releases/2026/01/getnet-outlines-its-agentic-commerce-strategy-as-ai-is-set-to-influence-30-of-global-e-commerce-by-2030) | | 2026-01-16 | [PNC](https://www.bankingnewsai.com/banks/pnc) | **Q4 2025 call: 171 opportunities, $1.4 billion addressable spend, 40 more points of operating leverage by 2030** 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. | Announced | [Banking Dive, Jan 21, 2026](https://www.bankingdive.com/news/pnc-bank-ceo-demchak-earnings-regional-scale-automation/810116/) | | 2026-01-13 | [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | **Innovation team launches AI and blockchain centres of excellence** 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. | In production | [American Banker, Jan 13, 2026](https://americanbanker.com/news/what-u-s-banks-innovation-leaders-liked-at-ces-this-year) | | 2026-01-13 | [BNY](https://www.bankingnewsai.com/banks/bny-mellon) | **FY2025 scorecard: 99% of staff on Eliza, 160 solutions, 134 digital employees** 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. | In production | [BNY (SEC filing), Jan 13, 2026](https://www.sec.gov/Archives/edgar/data/1390777/000139077726000004/ex993_quarterlyupdatepre.htm) | | 2026-01-07 | [Amex](https://www.bankingnewsai.com/banks/american-express) | **Amex Digital Labs profile** 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. | Announced | [Forbes, Jan 7, 2026](https://www.forbes.com/sites/peterhigh/2026/01/07/amex-digital-labs-is-scaling-innovation-from-experiment-to-enterprise/) | ### Dec 2025 | Date | Bank | Move | Stage | Source | |---|---|---|---|---| | 2025-12-31 | [Ally](https://www.bankingnewsai.com/banks/ally) | **Personas launch** Six AI agent personas built with LangChain after 16 months of development by Ally Tech Labs. | Announced | [American Banker, Jun 1, 2026](https://americanbanker.com/news/allys-personas-is-on-of-the-innovation-of-the-year-honorees) | | 2025-12-25 | [Standard Chartered](https://www.bankingnewsai.com/banks/standard-chartered) | **Two AI patent applications published for the Singapore branch** 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. | Announced | [Google Patents (USPTO), Dec 25, 2025](https://patents.google.com/patent/US20250390768A1/en) | | 2025-12-12 | [BNY](https://www.bankingnewsai.com/banks/bny-mellon) | **OpenAI case study: 20,000 agent builders, 125+ live use cases** 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. | In production | [OpenAI, Dec 12, 2025](https://openai.com/index/bny/) | | 2025-12-09 | [Fifth Third](https://www.bankingnewsai.com/banks/fifth-third) | **Brex becomes the commercial-card provider** Multi-year partnership on Brex Embedded; $5.6 billion of annual card volume; Brex AI agents for clients. | Rolling out | [Fifth Third newsroom, Dec 9, 2025](https://onlinebanking.53.com/content/fifth-third/en/media-center/press-releases/2025/press-release-2025-12-09.html) | | 2025-12-09 | [Seacoast Bank](https://www.bankingnewsai.com/banks/seacoast) | **Quavo agentic-AI dispute platform adopted** Full-lifecycle dispute management with AI fraud detection. | In production | [Quavo (GlobeNewswire), Dec 9, 2025](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html) | | 2025-12-08 | [BNY](https://www.bankingnewsai.com/banks/bny-mellon) | **Google Cloud Gemini Enterprise added to Eliza** Employees build agents for data analysis such as parsing financial reports. | In production | [Banking Dive, Dec 9, 2025](https://www.bankingdive.com/news/bny-google-cloud-agentic-AI-robin-vince/807390/) | | 2025-12-04 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) | **2025 annual report (SEC filing): AI risk framework and US AML machine learning** 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. | Announced | [TD Bank Group (SEC filing), Dec 4, 2025](https://www.sec.gov/Archives/edgar/data/947263/000156276225000289/ex992.htm) | | 2025-12-04 | [BMO](https://www.bankingnewsai.com/banks/bmo-us) and [BMO Financial Group](https://www.bankingnewsai.com/banks/bmo-group) | **2025 annual report: AI risk directive and first in-house agentic application** 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. | In production | [Bank of Montreal (SEC filing), Dec 4, 2025](https://www.sec.gov/Archives/edgar/data/927971/000119312525307982/d938207dex992.htm) | | 2025-12-02 | [PNC](https://www.bankingnewsai.com/banks/pnc) | **Mobile app being built by orchestrated AI agents, 40–50% complete** 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. | Announced | [Banking Dive, Dec 2, 2025](https://www.bankingdive.com/news/pnc-digital-banking-mobile-app-branch-expansion-retail-overstrom/806716/) | ### Nov 2025 | Date | Bank | Move | Stage | Source | |---|---|---|---|---| | 2025-11-20 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | **Applied AI research agenda published** LLM training, customisation and alignment; synthetic data; multi-agent reasoning. | Announced | [Capital One newsroom, Nov 20, 2025](https://www.capitalone.com/tech/ai/applied-ai-research) | | 2025-11-20 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | **NeurIPS 2025: 20-plus accepted papers** Responsible AI, multi-agent systems, LLM evaluation and fraud detection. | Announced | [Capital One newsroom, Nov 20, 2025](https://www.capitalone.com/tech/ai/neurips-2025/) | | 2025-11-18 | [WaFd Bank](https://www.bankingnewsai.com/banks/wafd) | **Fiscal 2025 10-K adds a dedicated AI risk factor** 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. | In production | [WaFd, Inc. (SEC filings), Nov 18, 2025](https://www.sec.gov/Archives/edgar/data/936528/000093652825000117/wfsl-20250930.htm) | | 2025-11-17 | [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank-us) | **Investor Deep Dive sets 2028 AI targets** Agentic AI front-to-back, 15 to 2 core platforms, KYC and mortgage handling-time cuts. | Announced | [Deutsche Bank newsroom, Nov 17, 2025](https://investor-relations.db.com/files/documents/other-presentations-and-events/2025/IDD-2025-Presentation-Private-Bank-Claudio-de-Sanctis.pdf) | | 2025-11-12 | [MUFG](https://www.bankingnewsai.com/banks/mufg) | **OpenAI strategic collaboration** 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). | Announced | [Mitsubishi UFJ Financial Group, Inc., Nov 12, 2025](https://www.mufg.jp/dam/pressrelease/2025/pdf/news-20251112-001_ja.pdf) | | 2025-11-10 | [Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | **IMPACT 2025: 'the year of the notetaker'; agents write internal code 20% faster** 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. | In production | [InvestmentNews, Nov 10, 2025](https://www.investmentnews.com/fintech/schwab-2025-was-the-year-of-the-notetaker-but-ais-next-role-is-less-certain/262981) | | 2025-11-07 | [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | **Agentic commerce named a payments initiative** 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. | Announced | [U.S. Bancorp via SEC EDGAR, Nov 7, 2025](https://www.sec.gov/Archives/edgar/data/36104/000003610425000066/baab2025usbconferencedec.htm) | | 2025-11-07 | [PNC](https://www.bankingnewsai.com/banks/pnc) | **Investor deck: new mobile app 'developed using agentic AI'** A conference presentation filed with the SEC previews the 2026 mobile banking launch, built with agentic AI. | Announced | [PNC via SEC EDGAR, Nov 7, 2025](https://www.sec.gov/Archives/edgar/data/713676/000071367625000136/a2025_11x07xbaabxvf.htm) | | 2025-11-06 | [Lloyds](https://www.bankingnewsai.com/banks/lloyds) | **AI financial assistant announced** 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. | Pilot | [Lloyds Banking Group newsroom, Nov 6, 2025](https://lloydsbankinggroup.com/media/press-releases/2025/lloyds-banking-group-2025/lloyds-banking-group-unveils-uks-first-ai-powered-financial-assistant.html) | ### Oct 2025 | Date | Bank | Move | Stage | Source | |---|---|---|---|---| | 2025-10-29 | [Barclays US](https://www.bankingnewsai.com/banks/barclays-us) | **Visa partnership expanded with agentic-commerce focus** Covers US retail issuing and new payment experiences including agentic commerce. | Announced | [Visa, Oct 29, 2025](https://www.visa.co.uk/about-visa/newsroom/press-releases.3413006.html) | | 2025-10-29 | [DBS](https://www.bankingnewsai.com/banks/dbs) | **Chief data officer sets out how DBS will govern agentic AI** 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. | Announced | [DBS Group Holdings newsroom, Oct 29, 2025](https://dbs.com/artificial-intelligence-machine-learning/artificial-intelligence/agentic-ai-is-here-are-we-ready-to-govern-it.html) | | 2025-10-27 | [Optum Bank](https://www.bankingnewsai.com/banks/optum-bank) | **Chief credit officer on agentic AI in small-business lending** American Banker panel: AI investment, silo-busting, evolution not revolution. | Announced | [American Banker, Oct 27, 2025](https://americanbanker.com/video/small-business-banking-2025/the-promises-and-pitfalls-of-agentic-ai-for-small-business-lending) | | 2025-10-24 | [Synchrony](https://www.bankingnewsai.com/banks/synchrony) | **Agentic Commerce team and a Synchrony Agent** 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. | Pilot | [Synchrony newsroom, Oct 24, 2025](https://synchrony.com/contenthub/insights/blog-post-by-mike-storiale.html) | | 2025-10-24 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | **Q3 2025 call: more than 100 agentic AI use cases** 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. | Announced | [The Motley Fool via Yahoo Finance, Oct 24, 2025](https://finance.yahoo.com/news/customers-bancorp-q3-2025-earnings-194423044.html) | | 2025-10-23 | [Live Oak](https://www.bankingnewsai.com/banks/live-oak) | **Q3 2025 call: AI 'bigger' than the internet and cloud** 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'. | Pilot | [earnings call transcript (The Motley Fool), Oct 23, 2025](https://fool.com/earnings/call-transcripts/2026/04/22/live-oak-lob-q3-2025-earnings-transcript) | | 2025-10-23 | [Bread Financial](https://www.bankingnewsai.com/banks/bread-financial) | **Q3 2025 call: 200-plus models across credit, collections, marketing and fraud** 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. | Announced | [Investing.com, Oct 23, 2025](https://investing.com/news/transcripts/earnings-call-transcript-bread-financial-q3-2025-reports-strong-earnings-beat-93CH-4305227) | | 2025-10-20 | [Atlantic Union](https://www.bankingnewsai.com/banks/atlantic-union) | **Asbury urges responsible use of generative and agentic AI** 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. | Announced | [ABA Banking Journal, Oct 20, 2025](https://bankingjournal.aba.com/2025/10/asbury-energized-to-keep-fighting-for-banking-industry/) | | 2025-10-20 | [BancFirst](https://www.bankingnewsai.com/banks/bancfirst) | **Webex customer post names BancFirst again** According to Cisco Webex, BancFirst uses Webex AI Agent for internal support (vendor customer post; BancFirst has not announced the deployment). | In production | [Cisco Webex (vendor customer post), Oct 20, 2025](https://blog.webex.com/customer-experience/momentum-meet-impact-strong-customer-adoption-webex-ai-agent-contact-center/) | | 2025-10-15 | [Citizens](https://www.bankingnewsai.com/banks/citizens) | **Q3 2025 deck: agentic AI call centre and agentic infrastructure on the Reimagine list** 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. | Announced | [Citizens Financial Group (SEC filings), Oct 15, 2025](https://www.sec.gov/Archives/edgar/data/759944/000075994425000139/cfg3q25earningspresentat.htm) | | 2025-10-14 | [Banner Bank](https://www.bankingnewsai.com/banks/banner) | **Glia award for AI assistants** 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. | Announced | [Glia, Oct 14, 2025](https://www.glia.com/news/glia-announces-2025-catalyst-awards-winners-celebrating-ai-driven-breakthroughs-in-community-banking) | | 2025-10-10 | [OCBC](https://www.bankingnewsai.com/banks/ocbc) | **Bank of Singapore announces agentic Source of Wealth Assistant** 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. | In production | [The Business Times, Oct 10, 2025](https://www.businesstimes.com.sg/companies-markets/bank-singapores-new-ai-tool-does-one-hour-what-used-take-10-days) | | 2025-10-08 | [SoFi](https://www.bankingnewsai.com/banks/sofi) | **SoFi Tech Solutions publishes agentic-payments guide** 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. | In production | [SoFi Tech Solutions newsroom, Oct 8, 2025](https://tech.sofi.com/blog/agentic-payments-secure-ai-banks-fintechs) | | 2025-10-01 | [State Street](https://www.bankingnewsai.com/banks/state-street) | **COO of investment services studies agentic AI at MIT** Ann Fogarty: 'I want to really understand the opportunities there.' | Announced | [American Banker, Oct 1, 2025](https://www.americanbanker.com/news/2025-the-most-powerful-women-in-finance-no-19-ann-fogarty-state-street) | ### 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) | ### Jun 2025 | Date | Bank | Move | Stage | Source | |---|---|---|---|---| | 2025-06-11 | [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | **Named a Talkdesk CXA user at launch** Talkdesk lists BankUnited among customers already using its Customer Experience Automation platform, which orchestrates multiple AI agents across the customer journey; Talkdesk's customer story credits CXA with the bank's contact-centre gains, including 15–20% higher IVR containment. | Announced | [Talkdesk, Jun 11, 2025](https://www.talkdesk.com/news-and-press/press-releases/talkdesk-cxa/) | | 2025-06-02 | [Lloyds](https://www.bankingnewsai.com/banks/lloyds) | **Aritra Chakravarty becomes Head of Agentic AI** He joins the AI Centre of Excellence from Jiffy.ai, previously spent 12 years at HSBC, and works under Rohit Dhawan; the date is the reported start date. | Announced | [FinTech Futures, Jun 2, 2025](https://fintechfutures.com/job-cuts-new-hires/lloyds-banking-group-appoints-aritra-chakravarty-as-head-of-agentic-ai) | ### May 2025 | Date | Bank | Move | Stage | Source | |---|---|---|---|---| | 2025-05-14 | [Amex](https://www.bankingnewsai.com/banks/american-express) | **Amex Ventures joins Nekuda's $5 million round** Nekuda builds credential and authorisation infrastructure so AI agents can make autonomous payments; Madrona led, with Visa Ventures also participating. | Announced | [Nekuda (Business Wire), May 14, 2025](https://businesswire.com/news/home/20250514808097/en/Nekuda-Raises-$5M-Led-by-Madrona-Together-with-Amex-Ventures-and-Visa-Ventures-to-Power-Agentic-Payments) | | 2025-05-13 | [USAA](https://www.bankingnewsai.com/banks/usaa) | **TechTarget interview: EagleGPT, code assist and an AI council** Bajaj describes EagleGPT for the workforce, code assist for all software engineers, a front-office AI over 20,000 documents, a Watsonx Orchestrate agent for data-access requests, and an AI council with four executive-council members; about a dozen gen-AI solutions were implemented in 2024. | Rolling out | [TechTarget, May 13, 2025](https://www.techtarget.com/ai/news/366623771/USAA-takes-an-experiment-and-see-approach-with-AI) | ### Apr 2025 | Date | Bank | Move | Stage | Source | |---|---|---|---|---| | 2025-04-09 | [Lloyds](https://www.bankingnewsai.com/banks/lloyds) | **Vertex AI migration and agentic prototype announced** At Google Cloud Next, Lloyds says 15 modelling systems have moved to Vertex AI, 300-plus data scientists use it, more than 80 ML use cases and 18 GenAI systems are live, and an agentic customer prototype built with Google Cloud is due later in 2025. | In production | [American Banker, Apr 9, 2025](https://americanbanker.com/news/lloyds-bank-moves-forward-with-ai-using-google-technology) | | 2025-04-01 | [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank-us) | **Agent on a $610 million AI data-centre financing** DBTCA administrative and collateral agent for a 50 MW Virginia site leased to CoreWeave. | Announced | [Deutsche Bank Corporate Bank newsroom, Apr 1, 2025](https://corporates.db.com/more/latest-news/deutsche-bank-supports-data-centre-development-in-virginia) | ### Mar 2025 | Date | Bank | Move | Stage | Source | |---|---|---|---|---| | 2025-03-31 | [NatWest](https://www.bankingnewsai.com/banks/natwest) | **Amazon Connect AI agents tested with experienced contact-centre colleagues** AWS described NatWest testing Amazon Connect AI agents in one business division with a limited group of its most experienced agents, using Amazon Lex to pick the ten most common call reasons and Amazon S3 as the knowledge store; the stated aims were faster resolution, lower average handle time and better adherence to process. | Pilot | [Amazon Web Services (AWS Contact Center blog), Mar 31, 2025](https://aws.amazon.com/blogs/contact-center/insights-and-learning-of-amazon-q-in-connect-at-natwest) | | 2025-03-27 | [Commonwealth Bank](https://www.bankingnewsai.com/banks/commonwealth-bank) | **Seattle Technology Hub opens** CommBank opens a hub whose first cohort works on agentic and generative AI services for small-business banking, with three-week exchanges alongside AWS, Anthropic, H2O and Microsoft; the Sydney Morning Herald reports 200 staff were to rotate through over the next 12 months. | Announced | [Commonwealth Bank of Australia newsroom, Mar 27, 2025](https://commbank.com.au/articles/newsroom/2025/03/ai-tech-hub-capabilities.html) | | 2025-03-17 | [ServisFirst Bank](https://www.bankingnewsai.com/banks/servisfirst) | **Metro Bank deploys Covecta across its commercial loan lifecycle** Metro Bank reported each task done with agentic AI "evidenced a 60-80% reduction in time"; Covecta runs alongside Infosys Topaz there. Reference deployment for the vendor, not ServisFirst. | Announced | [FinTech Futures, Mar 17, 2025](https://fintechfutures.com/bankingtech/metro-bank-deploys-agentic-ai-across-commercial-lending-with-covecta) | | 2025-03-04 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | **Chat Concierge launches for auto dealers** A multi-agent assistant that compares vehicles, books appointments and hands off to sales, on the Auto Navigator platform. | In production | [Capital One newsroom, Mar 5, 2025](https://www.capitalone.com/tech/ai/future-of-ai-car-dealerships-shopping) | ### Feb 2025 | Date | Bank | Move | Stage | Source | |---|---|---|---|---| | 2025-02-28 | [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | **First AI risk factor in the 10-K** The 2024 annual report says generative and agentic AI present opportunities and risks, that 'our current use of AI is not material to our operations', that models may be opaque or rest on flawed data, and that third-party providers are expected to add AI features; the 2023 annual report has no AI discussion. | Announced | [SEC EDGAR, Feb 20, 2024](https://www.sec.gov/Archives/edgar/data/1504008/000150400824000006/bku-20231231.htm) | | 2025-02-19 | [Axos Bank](https://www.bankingnewsai.com/banks/axos) | **Ascendion to apply AI-powered engineering to the Zenith platform** Zenith is an all-in-one accounting, cash-management, bill-pay and payroll platform for entertainment business managers. Ascendion's AVA+ platform of AI agents is to raise developer productivity, alongside AI-enhanced features and self-healing algorithms. | Announced | [Ascendion (PR Newswire), Feb 19, 2025](https://www.prnewswire.com/news-releases/ascendion-and-axos-bank-partner-to-revolutionize-digital-banking-302379008.html) | ### Dec 2024 | Date | Bank | Move | Stage | Source | |---|---|---|---|---| | 2024-12-16 | [HSBC](https://www.bankingnewsai.com/banks/hsbc-usa) | **US Innovation Banking outlook: 'The Agentic Age'** HSBC's US tech-sector report finds US venture investment in AI companies nearing the scale of the rest of the venture market. | Announced | [HSBC (Business Wire), Dec 16, 2024](https://businesswire.com/news/home/20241216302330/en/HSBC-Report-Shows-Venture-Ecosystem-Recalibrates-for-Economic-Growth-While-Private-Companies-Contend-with-Exit-Backlog-and-Investor-Shift-to-AI) | | 2024-12-11 | [Fulton](https://www.bankingnewsai.com/banks/fulton) | **NICE CXone Copilot, Autopilot and Expert selected** Generative-AI agent assist trained on Fulton's knowledge articles, omnichannel self-service and a consolidated knowledge base. | Announced | [NICE, Dec 11, 2024](https://www.nice.com/press-releases/fulton-bank-revolutionizes-financial-services-interactions-with-nice-cxone-mpower-copilot-and-autopilot) | | 2024-12-02 | [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank-us) | **Depositary bank for Pony AI's ADRs** The autonomous-driving company's Nasdaq ADR programme, with the services provided by Deutsche Bank Trust Company Americas or its affiliates. | Announced | [Deutsche Bank (Business Wire), Dec 2, 2024](https://www.businesswire.com/news/home/20241202012674/en/Deutsche-Bank-appointed-as-depositary-bank-for-the-sponsored-American-Depositary-Receipt-program-of-Pony-AI-Inc.) | ### Aug 2024 | Date | Bank | Move | Stage | Source | |---|---|---|---|---| | 2024-08-02 | [SouthState](https://www.bankingnewsai.com/banks/southstate) | **AutoGPT agent runs a deposit campaign** Forbes reports the bank gave an agent product descriptions and rates and asked it to raise $2 million in HSA deposits by email; it raised $2.3 million from 5,500-plus accounts in a little over three weeks. | Pilot | [Forbes, Aug 2, 2024](https://forbes.com/sites/ronshevlin/2024/08/02/the-next-wave-of-ai-in-banking-intelligent-autonomous-agents) | ### May 2024 | Date | Bank | Move | Stage | Source | |---|---|---|---|---| | 2024-05-03 | [Ally](https://www.bankingnewsai.com/banks/ally) | **Ally reviews Amazon Bedrock and autonomous agents** TechTarget reports Ally.ai's first model route is Azure OpenAI (GPT-3.5 Turbo and GPT-4), Bedrock is in a three-to-four-month governance review, code generation gives 25% to 35% developer gains, and AI Days trained more than 4,600 staff in 2023. | Announced | [TechTarget, May 3, 2024](https://www.techtarget.com/it-strategy/feature/Allys-generative-AI-strategy-eyes-multiple-LLMs-AI-agents) | ### Dec 2022 | Date | Bank | Move | Stage | Source | |---|---|---|---|---| | 2022-12-31 | [Huntington](https://www.bankingnewsai.com/banks/huntington) | **Two AI agents in production** The baseline Wasserman later cites for the agentic build-out. | In production | [Fortune, Apr 24, 2026](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/) | --- Canonical page: https://www.bankingnewsai.com/ai-agents-in-banking/announcements 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.