What AI tools do banks use?
Banks buy AI in 10 broad categories: fraud detection, AML compliance, credit decisioning, conversational AI, document AI, enterprise AI assistants, AI infrastructure (GPUs, accelerators and model-serving software), model-risk and AI-governance tooling, and the AI built into their core and digital-banking platforms. Each category page here is a buyer's guide with a comparison table, and each vendor page states what the vendor sells, how it is priced (a published list price where one exists, otherwise “not published”), who owns it, and which of the 120 largest US banks are publicly named as customers, taken from our bank pages and sourced. No vendor pays to be listed.
01
Fraud detection
Real-time scoring of payments, logins and applications for fraud and scams, including identity, behavioural-biometric and voice checks.
02
AML compliance
Transaction monitoring, screening, customer risk scoring and investigation tools for anti-money-laundering and financial-crime compliance.
03
Credit decisioning
Machine-learning underwriting models and decision engines for consumer, card and small-business lending.
04
Conversational AI
Digital assistants, chat and voice agents, and contact-centre AI for customer and member service.
05
Document AI
Document intelligence and loan-operations automation: extracting, checking and spreading financial documents, closing and trust review.
06
Enterprise AI assistants
General-purpose LLM assistants and model platforms banks license for employees and developers: Copilot, ChatGPT Enterprise, Claude, Gemini, Bedrock, GitHub Copilot.
07
AI infrastructure
GPUs, AI accelerators and inference systems, and the model-serving and training software banks run on-premises or in a private cloud.
08
Model risk and AI governance
Model inventory, validation, monitoring and AI governance tooling for model-risk and compliance teams.
09
Banking platforms
AI built into core, digital-banking and loan-origination platforms from the providers banks already run on.
10
Data and analytics
Consumer, credit and identity data, entity resolution and decision-intelligence platforms that a bank's models and AI agents run on.
Which AI vendors are most adopted among the 120 largest US banks?
Counted from the published vendor pages: a bank appears only where the vendor page cites a source naming it as a customer (selected, pilot, rolling out or in production). 68 vendor pages are published so far; the table grows as categories go live.
Which vendors are covered so far?
Fraud detection · AML compliance
Feedzai
RiskOps platform for bank fraud, scam and AML prevention: transaction scoring, behavioral biometrics and network intelligence.
Fraud detection
Featurespace
Real-time behavioral fraud and AML scoring for banks and processors (The Featurespace Platform, formerly ARIC Risk Hub); a Visa unit.
Fraud detection
BioCatch
Behavioral-biometric and device intelligence that scores digital banking sessions for account takeover, scams, mules and application fraud.
Fraud detection · AML compliance
Sardine
Fraud and AML platform: device and behavioral signals, transaction monitoring, sanctions screening and AI agents for alert review.
Fraud detection
Socure
Identity verification, fraud scoring and watchlist screening for account opening and login, run on its RiskOS decisioning platform.
Fraud detection · AML compliance
Alloy
Identity and fraud prevention platform: onboarding KYC/KYB, fraud and login risk scoring, AML monitoring and data orchestration.
Fraud detection
Pindrop
Phone-channel fraud scoring, passive caller authentication and voice deepfake detection for bank contact centers.
Fraud detection · AML compliance · Data and analytics
LexisNexis Risk Solutions
Fraud, identity and financial-crime compliance data and analytics: ThreatMetrix, Emailage, IDVerse, Bridger Insight XG and Firco.
Fraud detection · Data and analytics
DataVisor
Real-time fraud and AML decisioning platform using unsupervised machine learning, rules, device intelligence and Vera AI agents.
Fraud detection · Credit decisioning
Oscilar
No-code risk decisioning platform with AI agents for fraud, credit underwriting, onboarding and AML compliance.
Fraud detection
Prove Identity
Phone-based identity verification and authentication: Pre-Fill onboarding, passive authentication and AI-agent verification.
Fraud detection · Document AI
Mitek
Mobile check deposit capture, check fraud scoring and identity verification (document, selfie, liveness, deepfake detection) for banks.
Fraud detection · AML compliance
Jumio
Identity verification platform: ID and selfie checks, liveness and deepfake detection, AML screening and continuous identity monitoring.
Fraud detection · AML compliance
Persona
Identity verification platform: government ID, selfie and database checks, KYC/KYB, watchlist screening, case review and fraud-ring graphs.
AML compliance · Fraud detection
NICE Actimize
Fraud, AML, sanctions screening, KYC, case management and trade surveillance software for banks, on X-Sight and Xceed platforms.
AML compliance · Fraud detection
Hawk
AML transaction monitoring, sanctions and customer screening, fraud prevention and AI investigation agents for banks and payment firms.
AML compliance · Data and analytics
Quantexa
Decision Intelligence platform: entity resolution and network analytics for AML, KYC and fraud; Cloud AML SaaS for US mid-size banks.
AML compliance
ComplyAdvantage
AML screening, monitoring and payment screening on its own risk data (sanctions, PEPs, adverse media), with AI agents for alert review.
AML compliance · Fraud detection
Unit21
Fraud and AML platform: transaction monitoring, screening, case management and SAR filing, with AI agents that run alert investigations.
AML compliance
SymphonyAI
Financial-crime software for banks: AML transaction monitoring, sanctions screening, KYC, payment fraud and AI investigation agents.
AML compliance · Data and analytics
Palantir (Foundry and AIP)
Data and AI platforms (Foundry, AIP) that banks configure for onboarding, KYC, customer data and anti-financial-crime work.
AML compliance · Fraud detection
Nasdaq Verafin
Cloud financial-crime platform for banks: fraud detection, BSA/AML monitoring, sanctions screening, case management and AI agents.
AML compliance
ThetaRay
AI anti-money-laundering software: transaction monitoring, payment and customer screening, customer risk scoring and agentic investigations.
AML compliance
Silent Eight
AI agents that investigate and close sanctions, name-screening, adverse-media and transaction-monitoring alerts for banks.
AML compliance
Fenergo
Client lifecycle management software for KYC, onboarding, screening and AML transaction monitoring, with Fen-AI governed AI agents.
Credit decisioning · Fraud detection
Zest AI
AI credit underwriting for banks and credit unions, plus fraud detection (Zest Protect) and gen-AI lending intelligence (LuLu).
Credit decisioning · Fraud detection
Provenir
Cloud decisioning platform for credit risk, fraud and identity, with a data marketplace, case management and AI models.
Credit decisioning · Fraud detection
FICO
FICO Platform decisioning and analytics software for origination, account management and fraud (Falcon), plus the FICO Score.
Credit decisioning
Scienaptic AI
AI credit-decisioning models and platform for consumer lending, mainly US credit unions, with fraud checks and an agentic AI layer (iCUE).
Credit decisioning
Taktile
Low-code decision engine and AI-agent platform for credit underwriting, onboarding, fraud and AML decisions at lenders and insurers.
Credit decisioning · Fraud detection · Data and analytics
Experian
Credit bureau and decisioning software vendor: Ascend analytics platform, PowerCurve decisioning, CrossCore fraud and identity checks.
Conversational AI
Kasisto
Banking-specific conversational and agentic AI (KAI, KAIgentic, KaiGPT) for digital assistants and staff; part of Backbase since June 2026.
Conversational AI
Glia
Contact-centre and AI platform for banks and credit unions: voice and digital AI agents, staff copilot, outbound AI and CRM.
Conversational AI
interface.ai
Voice, chat and employee AI agents (BankGPT) and an agentic contact centre (Nexus) for credit unions and community banks.
Conversational AI
Talkdesk
Cloud contact centre with AI agents (Autopilot, Copilot, voice biometrics) and a Financial Services Experience Cloud for banks.
Conversational AI
Personetics
AI that turns bank transaction data into personalised insights, advice and offers in the bank's app, plus tools for relationship managers.
Conversational AI
Eltropy
Texting, video, chat and AI voice and agent platform for credit unions and community banks, plus collections and payments tools.
Document AI
Ocrolus
Classifies, extracts and checks lending documents (bank statements, pay stubs, tax forms) and returns cash-flow and income analytics.
Document AI · AML compliance
Abrigo
Lending, loan review, CECL and AML software for US community and regional banks, with generative and agentic AI assistants added since 2025.
Document AI
Snapdocs
Digital mortgage closing platform (eClosing, eVault, notary network) with AI quality control of closing and funding documents.
Document AI · Credit decisioning
Covecta
Agentic AI for banks and lenders: pre-built agents that read documents, draft credit memos and run loan and deposit operations checks.
Document AI
Vanilla
Estate planning platform for wealth advisors and trust companies that reads and summarizes wills and trusts with AI, citing the source page.
Document AI
Blend
Origination software for mortgages, home equity, consumer loans and deposit accounts; its Autopilot AI agent reviews borrower documents.
Document AI
Medius
Accounts-payable automation for companies: AI invoice capture and coding, approvals, AP fraud checks and embedded supplier payments.
Enterprise AI assistants
Microsoft 365 Copilot
AI assistant inside Word, Excel, Outlook and Teams, grounded in a firm's Microsoft 365 data, plus Copilot Studio for building agents.
Enterprise AI assistants
ChatGPT Enterprise (OpenAI)
OpenAI's workplace ChatGPT with admin controls and no training on business data by default, plus API access to GPT models.
Enterprise AI assistants
Claude (Anthropic)
Anthropic's Claude models and workplace plans (Team, Enterprise), sold direct and through AWS and Microsoft.
Enterprise AI assistants
Gemini Enterprise (Google Cloud)
Google Cloud's workplace AI app and agent platform on Gemini models, connecting to Google Workspace, Microsoft 365 and business data.
Enterprise AI assistants
Amazon Bedrock (AWS)
AWS service giving one API to foundation models from Amazon, Anthropic, OpenAI, Meta and others, plus AgentCore for running agents.
Enterprise AI assistants
Microsoft Foundry (formerly Azure AI Foundry)
Azure platform for building AI apps and agents on models from OpenAI, Anthropic, Meta and others; includes Azure OpenAI.
Enterprise AI assistants
GitHub Copilot
AI coding assistant and coding agent in the IDE, CLI and GitHub.com, with Business and Enterprise plans billed per seat plus AI credits.
AI infrastructure
SambaNova
AI-inference chip maker selling RDU systems for on-premises use (SambaRack, SambaStack) and a per-token open-model API (SambaCloud).
AI infrastructure
NVIDIA
GPU and AI-systems maker: DGX systems plus the NVIDIA AI Enterprise stack (NeMo, NIM, Triton) banks run on-premises or in the cloud.
Model risk and AI governance
ValidMind
Model inventory, validation and documentation automation, monitoring and AI governance for banks; agent controls in early access.
Model risk and AI governance
Credo AI
AI governance SaaS: registry of AI use cases, agents and vendors, policy packs (EU AI Act, NIST AI RMF, ISO 42001), agent controls.
Model risk and AI governance
SAS Model Risk Management
SAS module for model inventory, validation workflow, findings, monitoring and model-risk reporting, on the SAS Viya platform.
Model risk and AI governance
Monitaur
AI governance SaaS: inventory, common controls, vendor governance, drift and bias monitoring, and FlightSim black-box AI testing.
Model risk and AI governance
Yields
Model risk management and AI governance platform: model inventory, tiering, workflow engine, documentation, validation and monitoring.
Banking platforms · Fraud detection
ACI Worldwide
Payments software for banks: real-time and card payment processing (ACI Connetic, BASE24) with AI fraud management.
Banking platforms
Fiserv
Core, card and payments provider adding AI to its platforms: agentOS agents for bank workflows, AI card-fraud decisioning.
Banking platforms
FIS
Core, digital and card-processing provider adding AI agents (an Anthropic-built AML agent), AI card-fraud tools and AI lending tools.
Banking platforms
Jack Henry
Core, digital (Banno), payments and fraud platforms for community banks and credit unions, adding AI via Google Cloud's Gemini.
Banking platforms
Q2
Digital banking, fraud (Centrix) and relationship-pricing platform for US banks, with an AI agent layer (Q2 Assistant) and ML fraud models.
Banking platforms · Document AI
nCino
Cloud lending and onboarding platform for banks with gen-AI (Banking Advisor), role-based AI agents (Digital Partners) and credit analytics.
Banking platforms
Temenos
Swiss core, digital, payments and wealth banking software with embedded AI copilots, a sanctions-screening AI agent and explainable AI.
Banking platforms · Conversational AI
Backbase
AI-native Banking OS layered over a bank's core for channels, staff and AI agents; owns Kasisto's conversational AI since June 2026.
Banking platforms
Alkami
Digital banking, account opening (MANTL) and data-marketing platform for US banks and credit unions, with predictive AI models.
Banking platforms
Finastra
Bank software for lending (Loan IQ, LaserPro, Mortgagebot) and payments (Global PAYplus), with AI add-ons for payment repair.
Which AI vendors do the largest US banks use?
From the 120 bank pages on this site, the published vendor pages name these bank customers: Microsoft Copilot (25 banks: BofA, Wells Fargo, PNC, BNY, State Street, Fifth Third, BMO, First Citizens, Citizens, M&T, KeyBank, Northern Trust, HSBC, UBS, Santander, Western Alliance, SouthState, Barclays US, United Community, Bank of Hawaii, TowneBank, First Merchants, Popular, OceanFirst and Live Oak); Claude (24 banks: JPMorgan, BofA, Citi, Wells Fargo, Goldman, Morgan Stanley, U.S. Bank, Schwab, BNY, Fifth Third, BMO, Citizens, Amex, Santander, Flagstar, SoFi, Barclays US, Raymond James, Deutsche Bank, BankUnited, Axos Bank, Optum Bank, OceanFirst and Live Oak); ChatGPT Enterprise (17 banks: JPMorgan, Goldman, Morgan Stanley, U.S. Bank, BNY, TD, Citizens, HSBC, UBS, Santander, SouthState, Bank OZK, Deutsche Bank, First Interstate, Customers Bank, Synchrony and OceanFirst); GitHub Copilot (11 banks: Goldman, U.S. Bank, BNY, TD, Fifth Third, Citizens, Amex, Northern Trust, Regions, CIBC and Deutsche Bank); Amazon Bedrock (11 banks: U.S. Bank, Citizens, Flagstar, SouthState, SoFi, Bank OZK, BankUnited, FNBO, First Interstate, Synchrony and USAA); Gemini Enterprise (11 banks: Citi, Wells Fargo, Goldman, U.S. Bank, BNY, Huntington, Santander, Zions, Deutsche Bank, Optum Bank and USAA); Verafin (8 banks: Pinnacle, FNBO, United Bank, United Community, First Interstate, Busey Bank, OceanFirst and ConnectOne); NVIDIA (6 banks: Capital One, PNC, BNY, Amex, Santander and Deutsche Bank); NICE Actimize (5 banks: Fifth Third, KeyBank, Valley, Associated and Cathay Bank); Personetics (5 banks: U.S. Bank, Truist, Huntington, KeyBank and Central Bank); nCino (5 banks: M&T, Zions, First Horizon, WaFd Bank and ConnectOne); Blend (4 banks: U.S. Bank, Huntington, BMO and Frost); Glia (4 banks: Columbia, Busey Bank, Banner Bank and Live Oak); Socure (4 banks: Citi, Capital One, SoFi and Atlantic Union); ACI Worldwide (4 banks: BMO, City National, Webster and First Hawaiian); Snapdocs (4 banks: BNY, Zions, Trustmark and FirstBank); Finastra (4 banks: PNC, Citizens, EverBank and Trustmark); Mitek (4 banks: JPMorgan, BofA, U.S. Bank and Capital One); BioCatch (3 banks: BofA, Citi and Wells Fargo); FICO (3 banks: TD, BMO and Santander); Microsoft Foundry (3 banks: BNY, Ally and Northern Trust); Talkdesk (3 banks: BankUnited, WaFd Bank and TowneBank); Alloy (3 banks: Ally, Banc of California and Eastern Bank); Fenergo (3 banks: U.S. Bank, State Street and Northern Trust); LexisNexis Risk (3 banks: City National, EverBank and Cathay Bank); Fiserv (3 banks: SouthState, Bank OZK and First Interstate); Abrigo (2 banks: Old National and Seacoast Bank); Jack Henry (2 banks: Simmons Bank and First United Bank); Pindrop (2 banks: M&T and FNBO); Prove Identity (2 banks: FNBO and Synchrony); Quantexa (2 banks: Morgan Stanley and BNY); Feedzai (2 banks: Citi and SoFi); Zest AI (2 banks: Zions and First Hawaiian); Palantir (2 banks: Citi and Customers Bank); Backbase (1 bank: JPMorgan); DataVisor (1 bank: SoFi); Experian (1 bank: Santander); Kasisto (1 bank: JPMorgan); Oscilar (1 bank: SoFi); Provenir (1 bank: SoFi); Q2 (1 bank: First Hawaiian); Unit21 (1 bank: Sallie Mae); Vanilla (1 bank: BOK Financial); Covecta (1 bank: ServisFirst Bank); Featurespace (1 bank: U.S. Bank); Ocrolus (1 bank: SoFi); SambaNova (1 bank: JPMorgan). A bank is counted only where the vendor page cites a source naming it, from the bank, the vendor or the press. More vendors are being added category by category.
Is vendor pricing on these pages accurate?
A price is shown only when the vendor publishes it on its own pricing page, documentation or its own cloud-marketplace listing, with the date it was checked, or when a filing, procurement record or allowed press source reports a contract value. Each published price names the product it covers; the category comparison tables show a price only when it is for the AI product the category is about, not for an adjacent product such as a credit score or a notary plan. Most bank-software vendors sell through enterprise contracts and publish nothing; the pages say 'Not published' rather than estimate.
How are vendors chosen and are they paid placements?
No vendor pays to be listed and there are no affiliate links. Categories are fixed (10 of them) and each covers the vendors banks most often name in filings, releases and the trade press. 10 categories are live so far; a vendor page is published only once every dated claim on it is sourced.
How do the vendor pages relate to the bank pages?
The bank pages record what each of the 120 largest US banks has said and done with AI, including the vendors it works with. The vendor pages turn that around: for each vendor, which of those banks use it, for what, and at what stage (selected, pilot, rolling out, in production), with the source for each.
Every bank's next AI vendor deal, the morning after.
when a bank picks an AI vendor, or a vendor ships for banks, it is in the next morning's brief · six sourced stories · 7 am PT · free
plus every regulation, bank and agent page update, the morning after · leave any morning