# Axos Financial: AI strategy

Source: https://www.bankingnewsai.com/banks/axos
Last updated: Oct 19, 2026

*A digital, proprietary-technology bank (its 10-K contrasts it with 'branch-intensive banking models') that now writes 90% of its committed code with AI, has more than 500 staff on an enterprise AI assistant, bought an AI-native fintech for its 'Archie' CFO agent, and tells investors the goal is to scale without hiring or offshoring.*

## How is Axos Bank using AI?

Axos Financial, the Las Vegas-domiciled, San Diego-run parent of Axos Bank, a federal savings association with $30.0 billion of assets that serves customers nationwide through 'digital online and mobile banking platforms, low-cost distribution channels and affinity partners' (its 10-K contrasts this with 'branch-intensive banking models'), is the most quantified AI adopter of its size. On the April 2026 earnings call president and CEO Greg Garrabrants said Axos had 'established the governance framework and infrastructure to educate, train, and deploy AI tools to all Axos team members' and was now 'focused on scaling the usage of artificial intelligence across more use cases': more than 500 team members use an enterprise AI assistant, technical users of AI tools rose 37% since the start of calendar 2026, AI's share of committed code reached 90%, and the bank is 'adding specialized agents to test, automate, and QC various work product'. In January he told investors AI in software development and credit workflows would let teams 'take on more projects concurrently without the need to increase the pace of new hires or offshoring', that commercial lending had expanded AI use 'in various credit underwriting and portfolio management workflows', and that he could 'feel and taste' a bending of the development cost curve; CFO Derrick Walsh credits operational initiatives and greater use of AI tools with productivity benefits. The programme is visible in hiring: open roles on its careers site include AI platform engineer, lead AI engineer, cloud and AI security engineer and AI enablement specialist. Consumer-bank developers build agents on OutSystems Agent Workbench for error-log analysis and document data entry. Deals extend it: Verdant Commercial Capital ($43.5 million, September 2025), $2.3 billion of Jenius Bank consumer deposits (closed 2 May 2026), a Capital One IRA portfolio agreed at about $3.2 billion in April 2026 and closed at about $1.9 billion on 21 September 2026, and Arc Technologies (closed 20 July 2026), an AI-native fintech whose 'Archie' CFO agent and agentic finance tools Axos will embed in small-business banking. Fiscal 2026 net income was $490.4 million, or $8.48 per diluted share, on a 'best-in-class' margin. Axos Bank is supervised by the OCC as a savings association, and its 10-K lists the development and use of AI, including agentic and generative AI, among its risk factors.

## At a glance

| Field | Value |
| --- | --- |
| Lead bank | Axos Bank |
| Ticker | AX |
| Headquarters | Las Vegas, NV (operations: San Diego, CA) |
| Consolidated assets | $29,962 million |
| Federal Reserve rank | n/a (not in the Fed commercial-bank release) |
| Charter | Federal savings association (OCC); lead bank of Axos Financial, outside the Fed's commercial-bank ranking |

## What AI partnerships and patents does Axos Bank have?

Axos names few AI partners and no cloud or model provider in the filings, releases and transcripts reviewed. The record shows Claude Enterprise from Anthropic (per the Yahoo Finance transcript), OutSystems Agent Workbench, Ascendion's AVA+ agents for the Zenith platform, the Arc Technologies acquisition and the OttoMoto lending platform. Axos Bank holds four US patent documents on online authentication through virtual desktops, inherited from BofI Federal Bank; none concern AI, and no AI patent filing by Axos was found. ([Yahoo Finance](https://finance.yahoo.com/quote/AX/earnings/AX-Q3-2026-earnings_call-548685.html), [OutSystems (Business Wire)](https://businesswire.com/news/home/20250930527578/en/OutSystems-Announces-General-Availability-of-Agent-Workbench-Empowering-Enterprises-to-Drive-Business-Impact-with-Agentic-Systems), [Ascendion (PR Newswire)](https://www.prnewswire.com/news-releases/ascendion-and-axos-bank-partner-to-revolutionize-digital-banking-302379008.html), [Axos Financial](https://investors.axosfinancial.com/news-events/press-releases/news-details/2026/Axos-Financial-Inc--to-Acquire-Arc-Technologies-Inc-/default.aspx), [Bank Automation News](https://bankautomationnews.com/allposts/business-banking/5-questions-with-axos-bank-head-of-commercial-digital-jennifer-taylor), [Google Patents (USPTO)](https://patents.google.com/patent/US11290445B2/en), [Google Patents (USPTO)](https://patents.google.com/patent/US11777923B2/en), [Google Patents (USPTO)](https://patents.google.com/patent/US11936646B2/en), [Google Patents (USPTO)](https://patents.google.com/patent/US20240098082A1/en))

| Item | What it is | Status | Date | Sources |
| --- | --- | --- | --- | --- |
| Anthropic (Claude Enterprise) | Enterprise AI assistant used by more than 500 team members; named in the Yahoo Finance transcript only; another transcript has 'Cloud Enterprise' | In production | 2026-04-30 | [Yahoo Finance](https://finance.yahoo.com/quote/AX/earnings/AX-Q3-2026-earnings_call-548685.html) |
| OutSystems Agent Workbench | Platform for internal agents: error-log analysis, document data entry, business-analyst, Scrum Master and engineering agents | In production | 2025-09-30 | [OutSystems (Business Wire)](https://businesswire.com/news/home/20250930527578/en/OutSystems-Announces-General-Availability-of-Agent-Workbench-Empowering-Enterprises-to-Drive-Business-Impact-with-Agentic-Systems), [AI Business](https://aibusiness.com/agentic-ai/enterprises-contain-agents-balance-risk-reward) |
| Ascendion | AI-powered engineering (AVA+ agents) and AI-enhanced features for the Zenith platform | Announced | 2025-02-19 | [Ascendion (PR Newswire)](https://www.prnewswire.com/news-releases/ascendion-and-axos-bank-partner-to-revolutionize-digital-banking-302379008.html) |
| Arc Technologies | Acquired AI-native cash-management and debt-marketplace platform with the Archie CFO agent; backed by Y Combinator, Bain Capital Ventures and NFX | Rolling out | 2026-07-20 | [Axos Financial](https://investors.axosfinancial.com/news-events/press-releases/news-details/2026/Axos-Financial-Inc--to-Acquire-Arc-Technologies-Inc-/default.aspx), [American Banker](https://www.americanbanker.com/news/axos-to-buy-san-francisco-fintech-and-its-ai-technology), [Axos Financial (Business Wire)](https://businesswire.com/news/home/20260730727486/en/Axos-Financial-Inc.-Reports-Fiscal-Year-2026-Results) |
| OttoMoto | Embedded-lending platform for auto-dealer onboarding that Bank Automation News calls AI-powered | Announced | 2025-05-06 | [Bank Automation News](https://bankautomationnews.com/allposts/business-banking/5-questions-with-axos-bank-head-of-commercial-digital-jennifer-taylor) |
| US 11,290,445 B2 | Online authentication systems and methods (virtual desktop, secure browser); assigned to Axos Bank | Granted | 2022-03-29 | [Google Patents (USPTO)](https://patents.google.com/patent/US11290445B2/en) |
| US 11,777,923 B2 | Continuation of the online authentication family | Granted | 2023-10-03 | [Google Patents (USPTO)](https://patents.google.com/patent/US11777923B2/en) |
| US 11,936,646 B2 | Online authentication, filed by BofI Federal Bank (US 2019/0253415 A1) and assigned to Axos Bank | Granted | 2024-03-19 | [Google Patents (USPTO)](https://patents.google.com/patent/US11936646B2/en) |
| US 2024/0098082 A1 | Further continuation of the online authentication family | Published application | 2024-03-21 | [Google Patents (USPTO)](https://patents.google.com/patent/US20240098082A1/en) |

## Flagship platform: Enterprise AI programme, OutSystems Agent Workbench and Arc

Axos built its Universal Digital Bank platform largely in house and has spent fiscal 2026 layering AI across it. On the April 2026 call CEO Greg Garrabrants said the bank had 'established the governance framework and infrastructure to educate, train, and deploy AI tools to all Axos team members' and was scaling use cases: more than 500 team members on an enterprise AI assistant, technical users of AI tools up 37% since the start of calendar 2026, AI's share of committed code at 90%, and 'specialized agents to test, automate, and QC various work product'. Consumer-bank developers use OutSystems Agent Workbench to build agents that analyse error logs and automate document data entry, which SVP Kevin Hearn called 'a significant step in our AI strategy'. In July 2026 Axos acquired Arc Technologies, an AI-native cash-management and debt-marketplace platform for technology companies whose 'Archie' CFO agent and 'agentic finance tools' the bank intends to fold into its small-business banking. No AI budget is disclosed. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html), [OutSystems (Business Wire)](https://businesswire.com/news/home/20250930527578/en/OutSystems-Announces-General-Availability-of-Agent-Workbench-Empowering-Enterprises-to-Drive-Business-Impact-with-Agentic-Systems), [Axos Financial](https://investors.axosfinancial.com/news-events/press-releases/news-details/2026/Axos-Financial-Inc--to-Acquire-Arc-Technologies-Inc-/default.aspx), [American Banker](https://www.americanbanker.com/news/axos-to-buy-san-francisco-fintech-and-its-ai-technology))

## Key points

- AI writes 90% of committed code; technical AI users up 37% in calendar 2026; 500-plus staff on an enterprise AI assistant; specialised agents test, automate and QC work (Q3 FY2026 call).
- Stated goal (January 2026): AI-enabled development lets teams take on more projects 'without the need to increase the pace of new hires or offshoring'; AI also supports commercial credit underwriting, portfolio management, and compliance and risk monitoring.
- Open AI roles on the careers site include AI platform engineer, lead AI engineer, AI enablement specialist and cloud and AI security engineer (listed below, as of 1 October 2026).
- OutSystems Agent Workbench agents in the consumer bank (error-log analysis, document data entry).
- Arc Technologies acquired 20 July 2026: AI-native cash management and debt marketplace with an 'Archie' CFO agent, to be embedded in small-business banking.
- FY2026 net income $490.4 million ($8.48); total assets $30.0 billion; deposits $24.6 billion after the $2.3 billion Jenius deposit purchase; the Capital One IRA purchase closed on 21 September 2026 at about $1.9 billion of deposits ($3.2 billion at signing).
- Per the Yahoo Finance transcript of the April 2026 call, the enterprise AI assistant used by more than 500 team members is Claude Enterprise (Anthropic); the Motley Fool transcript of the same call renders it 'Cloud Enterprise', so the vendor rests on one transcript.
- Build-first technology: Jonathan Crane says Axos owns its systems rather than rely on vendors, has delivered more than 100 custom apps, is building Axos Universal Core as a fully owned core banking system, and sells white-label versions of its software to other providers (American Banker, June 2026).
- Governance by a small central team: Kevin Hearn gave 300 staff an AI agent, got 300 different results, and cut the testing group to five to seven people who test agents, set the approved tools and keep them without access to the outside world (AI Business, May 2026).
- July 2025 call: Garrabrants described an agent that reads commercial loan agreements, extracts the covenants for attorney review and uploads them to the originations system, and said Axos caps personnel and professional-services cost growth at 30% of income growth.
- Client-facing AI came by acquisition: Garrabrants said on the July 2026 call that Axos had not had an AI product for clients before Arc, whose backers include Y Combinator, Bain Capital Ventures and NFX; the integration adds about $1 million a month to expenses.
- Headcount and ratios: full-time employees rose 10% to 2,191 in fiscal 2026 and non-interest expense rose 24% to $732.7 million, with the efficiency ratio at 49.49% against 46.84%; Garrabrants also said Axos added offshore staff to absorb the Jenius onboarding.
- Patents: Axos Bank holds four US patent documents (three granted, one pending) on online authentication through virtual desktops, inherited from BofI Federal Bank; none of the records found concern AI.

## Timeline

- Sep 24, 2026 — **Proxy: Technology Committee chair named; Axos Clearing head retired** The 2026 proxy lists director Uzair Dada as chair of the Axos Bank Technology Committee, and says David Crow, EVP and head of Axos Clearing, retired on 1 September 2026; Michael Watson is EVP and head of Axos Securities. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000073/ax-20260924.htm))
- Sep 21, 2026 — **Capital One IRA acquisition closes** About $1.9 billion of IRA deposits acquired, against about $3.2 billion at signing. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000066/ax-20260921.htm))
- Aug 20, 2026 — **FY2026 10-K: headcount up 10% to 2,191** Full-time employees rose from 1,989 to 2,191 over the year to 30 June 2026; non-interest expense rose 24% to $732.7 million and the efficiency ratio moved to 49.49% from 46.84%. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000060/ax-20260630.htm), [Axos Financial (Business Wire)](https://businesswire.com/news/home/20260730727486/en/Axos-Financial-Inc.-Reports-Fiscal-Year-2026-Results))
- Aug 20, 2026 — **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. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000060/ax-20260630.htm))
- Jul 30, 2026 — **Q4 FY2026 call: Arc supplies the first client-facing AI product** Garrabrants said Axos had done a lot on AI internally but had no AI product for clients before Arc, and that the deal brought someone to lead consumer and client-facing AI work. Integration adds about $1 million a month to expenses. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-axos-beats-q4-2026-estimates-as-shares-rise-after-hours-93CH-4826506))
- Jul 30, 2026 — **Fiscal 2026 results** Net income $490.4 million; EPS $8.48; assets $30.0 billion; CFO cites AI productivity gains. ([Axos Financial (Business Wire)](https://businesswire.com/news/home/20260730727486/en/Axos-Financial-Inc.-Reports-Fiscal-Year-2026-Results), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-axos-beats-q4-2026-estimates-as-shares-rise-after-hours-93CH-4826506))
- Jul 20, 2026 — **Arc acquisition closes** Integration into small-business banking; about $1 million a month added to expenses. ([Axos Financial (Business Wire)](https://businesswire.com/news/home/20260730727486/en/Axos-Financial-Inc.-Reports-Fiscal-Year-2026-Results), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-axos-beats-q4-2026-estimates-as-shares-rise-after-hours-93CH-4826506))
- Jul 7, 2026 — **Arc Technologies acquisition announced** AI-native cash management and capital markets platform; 'Archie' CFO agent. ([Axos Financial](https://investors.axosfinancial.com/news-events/press-releases/news-details/2026/Axos-Financial-Inc--to-Acquire-Arc-Technologies-Inc-/default.aspx), [American Banker](https://www.americanbanker.com/news/axos-to-buy-san-francisco-fintech-and-its-ai-technology))
- Jun 1, 2026 — **American Banker ranks Jonathan Crane 35th most innovative in finance** Crane leads a three-year plan covering next-generation mobile banking, FedNow, RTP and Zelle, crypto capabilities and Axos Universal Core, a fully owned core banking system; he has delivered more than 100 custom apps. ([American Banker](https://americanbanker.com/news/axos-banks-jonathan-crane-is-35-on-the-most-innovative-people-in-finance-ranking))
- May 5, 2026 — **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. ([AI Business](https://aibusiness.com/agentic-ai/enterprises-contain-agents-balance-risk-reward))
- May 2, 2026 — **Jenius deposit acquisition closes** About $2.3 billion of deposits acquired. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000038/ax-20260502.htm), [Axos Financial (Business Wire)](https://businesswire.com/news/home/20260730727486/en/Axos-Financial-Inc.-Reports-Fiscal-Year-2026-Results))
- Apr 30, 2026 — **Q3 call transcript on Yahoo Finance names Claude Enterprise** Garrabrants is recorded saying more than 500 team members use Claude Enterprise to improve the speed, quality and productivity of workflows; the Motley Fool transcript of the same call renders the name as 'Cloud Enterprise'. ([Yahoo Finance](https://finance.yahoo.com/quote/AX/earnings/AX-Q3-2026-earnings_call-548685.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html))
- Apr 30, 2026 — **Q3 FY2026 call: 90% of committed code from AI** Governance framework in place; 500-plus users; technical users up 37%; specialised QA agents. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html), [Axos Financial (Business Wire)](https://www.businesswire.com/news/home/20260430101393/en/Axos-Financial-Inc.-Reports-Third-Quarter-Fiscal-Year-2026-Results))
- Apr 22, 2026 — **Agreement to buy $3.2 billion of Capital One IRA deposits** IRAs held in savings and CD accounts, about $3.2 billion at signing; regulatory approval received in May. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000027/ax-20260422.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-axos-beats-q4-2026-estimates-as-shares-rise-after-hours-93CH-4826506))
- Feb 12, 2026 — **Agreement to buy Jenius Bank's consumer deposits** All US consumer deposits of SMBC MANUBANK's digital bank, estimated at about $2.6 billion at signing. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000018/ax-20260212.htm))
- Jan 29, 2026 — **Q2 FY2026 call: scale without hiring or offshoring** AI deployed through the software development life cycle and credit workflows; cost curve 'bending'. ([Yahoo Finance](https://finance.yahoo.com/quote/AX/earnings/AX-Q2-2026-earnings_call-406169.html))
- Oct 30, 2025 — **Q1 FY2026 call: AI across risk, compliance, credit, operations, legal, marketing and finance** AI 'having an impact on our efficiency and software development'. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/news/axos-financial-ax-q1-2026-000522658.html))
- Sep 30, 2025 — **In OutSystems' Agent Workbench early-access programme** Agents for error-log analysis and document data entry; 'a significant step in our AI strategy'. ([OutSystems (Business Wire)](https://businesswire.com/news/home/20250930527578/en/OutSystems-Announces-General-Availability-of-Agent-Workbench-Empowering-Enterprises-to-Drive-Business-Impact-with-Agentic-Systems))
- Sep 22, 2025 — **Verdant Commercial Capital acquisition announced** $43.5 million for an equipment-leasing lender; first deal since 2019; Axos technology to cut Verdant's costs. ([American Banker](https://americanbanker.com/news/axos-financial-buys-equipment-leasing-business-for-43-5m))
- Aug 21, 2025 — **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. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970925000125/ax-20250630.htm))
- Jul 30, 2025 — **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. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-financial-ax-q4-2025-032614266.html))
- May 27, 2025 — **Head of commercial digital: AI and ML on the roadmap** Jennifer Taylor told Bank Automation News that Axos uses AI and ML to help clients learn its products and that AI/ML and real-time payments are on the 12 to 18 month roadmap. The article also reports the 6 May partnership with OttoMoto, an embedded-lending platform for auto-dealer onboarding that it calls AI-powered. ([Bank Automation News](https://bankautomationnews.com/allposts/business-banking/5-questions-with-axos-bank-head-of-commercial-digital-jennifer-taylor))
- Feb 19, 2025 — **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. ([Ascendion (PR Newswire)](https://www.prnewswire.com/news-releases/ascendion-and-axos-bank-partner-to-revolutionize-digital-banking-302379008.html))
- Mar 19, 2024 — **Axos Bank granted a patent on online authentication** US 11,936,646 B2, filed by BofI Federal Bank in 2019 and now assigned to Axos Bank, covers authentication through a virtual desktop and secure browser. A continuation was published on 21 March 2024. None of the Axos patent records found concern AI. ([Google Patents (USPTO)](https://patents.google.com/patent/US11936646B2/en), [Google Patents (USPTO)](https://patents.google.com/patent/US20240098082A1/en))

## Where AI runs

| Use case | What | Status | Detail | Sources |
| --- | --- | --- | --- | --- |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | AI-assisted software development | In production | 90% of committed code AI-generated; agents for testing, automation and QC; development cost curve bending. | [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html), [Yahoo Finance](https://finance.yahoo.com/quote/AX/earnings/AX-Q2-2026-earnings_call-406169.html) |
| [Credit scoring & underwriting](https://www.bankingnewsai.com/ai-regulation/by-use-case#credit-underwriting) | AI in commercial credit underwriting and portfolio management | In production | Manual, repetitive underwriting and monitoring tasks automated. | [Yahoo Finance](https://finance.yahoo.com/quote/AX/earnings/AX-Q2-2026-earnings_call-406169.html) |
| [AI governance (general)](https://www.bankingnewsai.com/ai-regulation/by-use-case#governance-general) | AI governance framework and enterprise AI assistant | In production | Governance framework and infrastructure to educate, train and deploy AI tools to all team members; more than 500 on an enterprise AI assistant. | [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html) |
| [Third-party & vendor AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#third-party-vendors) | OutSystems Agent Workbench agents | In production | Error-log analysis and document data-entry agents in the consumer bank, built without specialised AI hires. | [OutSystems (Business Wire)](https://businesswire.com/news/home/20250930527578/en/OutSystems-Announces-General-Availability-of-Agent-Workbench-Empowering-Enterprises-to-Drive-Business-Impact-with-Agentic-Systems) |
| [Customer-facing chatbots](https://www.bankingnewsai.com/ai-regulation/by-use-case#customer-chatbots) | Arc 'Archie' CFO agent | Rolling out | Agentic finance tools for small businesses via Arc. | [American Banker](https://www.americanbanker.com/news/axos-to-buy-san-francisco-fintech-and-its-ai-technology), [Axos Financial](https://investors.axosfinancial.com/news-events/press-releases/news-details/2026/Axos-Financial-Inc--to-Acquire-Arc-Technologies-Inc-/default.aspx) |
| [Model risk management](https://www.bankingnewsai.com/ai-regulation/by-use-case#model-risk) | AI risk-factor disclosure | In production | 10-K covers agentic and generative AI, third-party model dependence, bias, explainability and evolving regulation. | [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000060/ax-20260630.htm) |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | Claude Enterprise for 500-plus staff | In production | Used by more than 500 team members to improve the speed, quality and productivity of workflows, per the Yahoo Finance transcript of the April 2026 call. | [Yahoo Finance](https://finance.yahoo.com/quote/AX/earnings/AX-Q3-2026-earnings_call-548685.html) |
| [Credit scoring & underwriting](https://www.bankingnewsai.com/ai-regulation/by-use-case#credit-underwriting) | Covenant extraction from commercial loan agreements | In production | An agent reads the agreement, presents covenants to an attorney, learns from corrections and uploads them to the commercial originations system for tracking. | [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-financial-ax-q4-2025-032614266.html) |
| [AI governance (general)](https://www.bankingnewsai.com/ai-regulation/by-use-case#governance-general) | Central AI test team and approved-tool gate | In production | Five to seven people test and refine agents; tools are defined centrally, sensitive data is kept out and agents have no access to the outside world. | [AI Business](https://aibusiness.com/agentic-ai/enterprises-contain-agents-balance-risk-reward) |
| [Third-party & vendor AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#third-party-vendors) | Ascendion AVA+ agents for Zenith | Announced | AI-powered engineering, AI-enhanced features and self-healing algorithms on the Zenith platform for entertainment business managers. | [Ascendion (PR Newswire)](https://www.prnewswire.com/news-releases/ascendion-and-axos-bank-partner-to-revolutionize-digital-banking-302379008.html) |
| [Customer-facing chatbots](https://www.bankingnewsai.com/ai-regulation/by-use-case#customer-chatbots) | AI and ML to teach commercial clients the products | In production | Head of commercial digital Jennifer Taylor says Axos uses AI and ML to help clients learn its products; AI/ML is on the 12 to 18 month roadmap. | [Bank Automation News](https://bankautomationnews.com/allposts/business-banking/5-questions-with-axos-bank-head-of-commercial-digital-jennifer-taylor) |
| [Cybersecurity](https://www.bankingnewsai.com/ai-regulation/by-use-case#cybersecurity) | AI-enabled attack and fraud risk disclosure | In production | The 10-K says criminals using AI may raise the frequency and severity of attacks; the chief risk officer and chief information security officer report cyber risk to the board. | [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000060/ax-20260630.htm) |

## Disclosed numbers

| Measure | Value | As of | Sources |
| --- | --- | --- | --- |
| Share of committed code written by AI | 90% | Apr 30, 2026 | [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html) |
| Team members using the enterprise AI assistant | > 500; technical AI users +37% since January 2026 | Apr 30, 2026 | [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html) |
| Fiscal 2026 net income / diluted EPS | $490.4 million / $8.48 | Jul 30, 2026 | [Axos Financial (Business Wire)](https://businesswire.com/news/home/20260730727486/en/Axos-Financial-Inc.-Reports-Fiscal-Year-2026-Results) |
| Total assets / deposits | $30.0 billion / $24.6 billion | Jun 30, 2026 | [Axos Financial (Business Wire)](https://businesswire.com/news/home/20260730727486/en/Axos-Financial-Inc.-Reports-Fiscal-Year-2026-Results) |
| Deposit acquisitions | $2.3 billion Jenius (closed May 2026); about $1.9 billion of Capital One IRAs (closed September 2026; $3.2 billion at signing) | Sep 21, 2026 | [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000038/ax-20260502.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000027/ax-20260422.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000066/ax-20260921.htm) |
| Full-time employees | 2,191 (1,989 a year earlier; 1,781 in June 2024) | Jun 30, 2026 | [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000060/ax-20260630.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970925000125/ax-20250630.htm) |
| Non-interest expense / efficiency ratio, fiscal 2026 | $732.7 million (+24%) / 49.49% against 46.84%; Q4 includes a $21.0 million Axos Clearing legal accrual | Jun 30, 2026 | [Axos Financial (Business Wire)](https://businesswire.com/news/home/20260730727486/en/Axos-Financial-Inc.-Reports-Fiscal-Year-2026-Results) |
| Axos Clearing assets under custody and administration | $47.8 billion | Jun 30, 2026 | [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000060/ax-20260630.htm) |
| Arc integration cost | About $1 million a month added to non-interest expense | Jul 30, 2026 | [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-axos-beats-q4-2026-estimates-as-shares-rise-after-hours-93CH-4826506) |
| Arc equity raised before the deal | $31 million | Jul 7, 2026 | [American Banker](https://www.americanbanker.com/news/axos-to-buy-san-francisco-fintech-and-its-ai-technology) |
| Consumer deposit growth against operations staffing | Deposit base up more than seven times with barely any added people in consumer deposit operations (CEO) | Jul 30, 2026 | [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-axos-beats-q4-2026-estimates-as-shares-rise-after-hours-93CH-4826506) |
| Custom apps delivered by the enterprise technology head | More than 100 | Jun 1, 2026 | [American Banker](https://americanbanker.com/news/axos-banks-jonathan-crane-is-35-on-the-most-innovative-people-in-finance-ranking) |
| Cap on personnel and professional-services cost growth | 30% of net interest and non-interest income growth (management target) | Jul 30, 2025 | [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-financial-ax-q4-2025-032614266.html) |

## Quotes

> "Having established the governance framework and infrastructure to educate, train, and deploy AI tools to all Axos team members, we are now focused on scaling the usage of artificial intelligence across more use cases." — Gregory Garrabrants, President and CEO, Apr 30, 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html))

> "They will also allow our team to take on more projects concurrently without the need to increase the pace of new hires or offshoring." — Gregory Garrabrants, President and CEO, Jan 29, 2026 ([Yahoo Finance](https://finance.yahoo.com/quote/AX/earnings/AX-Q2-2026-earnings_call-406169.html))

> "By creating and embedding agents into our operations, we are building a more intelligent and responsive banking ecosystem that is ready for the future of finance." — Kevin Hearn, SVP, Head of Consumer Bank Development, Sep 30, 2025 ([OutSystems (Business Wire)](https://businesswire.com/news/home/20250930527578/en/OutSystems-Announces-General-Availability-of-Agent-Workbench-Empowering-Enterprises-to-Drive-Business-Impact-with-Agentic-Systems))

> "We've done a lot on the AI front internally, focused on improving internal operations and all those sorts of things. We haven't yet had a product that we roll out to clients that will allow them to use artificial intelligence." — Gregory Garrabrants, President and CEO, Jul 30, 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-axos-beats-q4-2026-estimates-as-shares-rise-after-hours-93CH-4826506))

> "We needed somebody who was going to do consumer and client-facing AI work, and now we have somebody." — Gregory Garrabrants, President and CEO, Jul 30, 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-axos-beats-q4-2026-estimates-as-shares-rise-after-hours-93CH-4826506))

> "But I do really believe that it is going to bend the cost curve in the operations side." — Gregory Garrabrants, President and CEO, Jul 30, 2025 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-financial-ax-q4-2025-032614266.html))

> "The winning banks won't just look like software companies. They will be software companies that happen to hold a banking charter." — Jonathan Crane, SVP, Head of Consumer Bank, Securities and Enterprise Technology, Jun 1, 2026 ([American Banker](https://americanbanker.com/news/axos-banks-jonathan-crane-is-35-on-the-most-innovative-people-in-finance-ranking))

> "Governance being that we are using it appropriately. We are not feeding information we should not be. It does not have access to the outside world." — Kevin Hearn, SVP, Head of Consumer Bank Development, May 5, 2026 ([AI Business](https://aibusiness.com/agentic-ai/enterprises-contain-agents-balance-risk-reward))

## Who runs AI

- **Gregory Garrabrants** — President and CEO ([LinkedIn](https://www.linkedin.com/in/gregorygarrabrants)) ([Axos Financial (Business Wire)](https://businesswire.com/news/home/20260730727486/en/Axos-Financial-Inc.-Reports-Fiscal-Year-2026-Results), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html))
- **Derrick Walsh** — EVP and Chief Financial Officer ([LinkedIn](https://www.linkedin.com/in/derrick-k-walsh-cpa-0b59694)) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-axos-beats-q4-2026-estimates-as-shares-rise-after-hours-93CH-4826506), [Axos Financial (Business Wire)](https://www.businesswire.com/news/home/20260430101393/en/Axos-Financial-Inc.-Reports-Third-Quarter-Fiscal-Year-2026-Results))
- **Raymond Matsumoto** — EVP and Chief Operating Officer ([LinkedIn](https://www.linkedin.com/in/raymond-matsumoto-1263049)) ([Axos Bank](https://axosbank.com/about-us/executive-team))
- **John Tolla** — EVP and Chief Risk Officer ([LinkedIn](https://www.linkedin.com/in/jctolla)) ([Axos Bank](https://axosbank.com/about-us/executive-team), [American Banker](https://americanbanker.com/news/some-want-basel-changes-for-certain-non-qm-and-hltv-loans), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000060/ax-20260630.htm))
- **Jonathan Crane** — SVP, Head of Consumer Bank, Securities and Enterprise Technology ([LinkedIn](https://www.linkedin.com/in/jonathanpscrane)) ([American Banker](https://digital-banking.americanbanker.com/profile/jonathan-crane), [American Banker](https://americanbanker.com/news/axos-banks-jonathan-crane-is-35-on-the-most-innovative-people-in-finance-ranking))
- **Kevin Hearn** — SVP, Head of Consumer Bank Development ([LinkedIn](https://www.linkedin.com/in/kevinhearnsd)) ([OutSystems (Business Wire)](https://businesswire.com/news/home/20250930527578/en/OutSystems-Announces-General-Availability-of-Agent-Workbench-Empowering-Enterprises-to-Drive-Business-Impact-with-Agentic-Systems), [AI Business](https://aibusiness.com/agentic-ai/enterprises-contain-agents-balance-risk-reward))
- **Nick Lombardo** — CEO and Co-Founder, Arc (an Axos company) ([LinkedIn](https://www.linkedin.com/in/nicholas-m-lombardo)) ([Axos Financial](https://investors.axosfinancial.com/news-events/press-releases/news-details/2026/Axos-Financial-Inc--to-Acquire-Arc-Technologies-Inc-/default.aspx), [American Banker](https://www.americanbanker.com/news/axos-to-buy-san-francisco-fintech-and-its-ai-technology))
- **Marc Kantor** — SVP, Head of Commercial Operations and Technology, and COO of Zenith Information Systems (as of February 2025) ([Ascendion (PR Newswire)](https://www.prnewswire.com/news-releases/ascendion-and-axos-bank-partner-to-revolutionize-digital-banking-302379008.html))
- **David Park** — EVP, Head of Axos Commercial Bank (sponsor of the Ascendion AI-engineering partnership for Zenith) ([Ascendion (PR Newswire)](https://www.prnewswire.com/news-releases/ascendion-and-axos-bank-partner-to-revolutionize-digital-banking-302379008.html))
- **Jennifer Taylor** — Head of Commercial Digital (AI and ML in client education; roadmap owner) ([Bank Automation News](https://bankautomationnews.com/allposts/business-banking/5-questions-with-axos-bank-head-of-commercial-digital-jennifer-taylor))
- **Uzair Dada** — Independent director; chair of the Axos Bank Technology Committee ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000073/ax-20260924.htm))

## Open AI roles

9 open AI-related postings on [the careers site](https://axos.wd5.myworkdayjobs.com/en-US/Axos) as of Oct 1, 2026. A snapshot of current openings, not a source: postings close.

- [AI Enablement Specialist](https://axos.wd5.myworkdayjobs.com/en-US/Axos/job/HQ---San-Diego-CA/AI-Enablement-Specialist_JR5216) — HQ - San Diego, CA — posted Aug 28, 2026
- [AI Platform Engineer](https://axos.wd5.myworkdayjobs.com/en-US/Axos/job/HQ---San-Diego-CA/AI-Platform-Engineer_JR4943) — HQ - San Diego, CA (+1 location) — posted Aug 27, 2026
- [Sr. AI Engineer](https://axos.wd5.myworkdayjobs.com/en-US/Axos/job/Manila-Philippines/Sr-AI-Engineer_JR5101) — Manila, Philippines — posted Sep 2, 2026
- [Lead AI Engineer](https://axos.wd5.myworkdayjobs.com/en-US/Axos/job/Manila-Philippines/Lead-AI-Engineer_JR5099) — Manila, Philippines
- [AI & Automation Engineer](https://axos.wd5.myworkdayjobs.com/en-US/Axos/job/Manila-Philippines/AI---Automation-Engineer_JR4828) — Manila, Philippines
- [Cloud and AI Security Engineer](https://axos.wd5.myworkdayjobs.com/en-US/Axos/job/Manila-Philippines/Cloud-and-AI-Security-Engineer_JR4815-1) — Manila, Philippines
- [JBATA - AI Automation Developer](https://axos.wd5.myworkdayjobs.com/en-US/Axos/job/HQ---San-Diego-CA/JBATA---AI-Automation-Developer_JR4837) — HQ - San Diego, CA
- [Technical Product Manager, AI](https://axos.wd5.myworkdayjobs.com/en-US/Axos/job/Centennial-CO/AI---Automation-Solution-Architect_JR4729) — Centennial, CO
- [VP, Senior Data Scientist - Marketing Intelligence](https://axos.wd5.myworkdayjobs.com/en-US/Axos/job/San-Diego-CA/VP--Sr-Manager--Lead-Intelligence---Signal-Strategy_JR4187) — San Diego, CA

## Which AI vendors and fintechs does Axos Bank work with?

| Company | What Axos Bank uses it for | Status | Category |
| --- | --- | --- | --- |
| [Claude (Anthropic)](https://www.bankingnewsai.com/vendors/anthropic-claude) | More than 500 team members use Claude Enterprise to improve the speed, quality and productivity of workflows, per the CEO on the Q3 FY2026 call (one of two transcripts renders the name 'Cloud Enterprise'). | In production | [Enterprise AI assistants](https://www.bankingnewsai.com/ai-tools/enterprise-ai-assistants) |

Each vendor and fintech page cites the source for the relationship. [AI tools for banks](https://www.bankingnewsai.com/ai-tools) · [fintech and neobank AI dossiers](https://www.bankingnewsai.com/fintech).

## Regulators it answers to

- [OCC](https://www.bankingnewsai.com/ai-regulation/occ) — Axos Bank is an OCC-supervised federal savings association; the 2026 model-risk bulletin and gen-AI risk perspective govern AI in underwriting, QC and development. See [OCC Bulletin 2026-13](https://www.bankingnewsai.com/ai-regulation/documents/occ-bulletin-2026-13), [OCC Semiannual Risk Perspective, Spring 2026](https://www.bankingnewsai.com/ai-regulation/documents/occ-semiannual-risk-perspective-spring-2026).
- [Federal Reserve](https://www.bankingnewsai.com/ai-regulation/federal-reserve) — Axos Financial is a Fed-supervised savings and loan holding company; SR 11-7 and SR 23-4 apply to model risk and to third-party AI dependencies such as OutSystems and Arc. See [SR 11-7](https://www.bankingnewsai.com/ai-regulation/documents/fed-sr-11-7), [SR 23-4](https://www.bankingnewsai.com/ai-regulation/documents/fed-sr-23-4).
- [CFPB](https://www.bankingnewsai.com/ai-regulation/cfpb) — Consumer deposits, mortgages and small-business tools carry UDAAP, chatbot and adverse-action duties for AI in service and credit. See [CFPB Chatbots in Consumer Finance (issue spotlight, 2023)](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-chatbots-in-consumer-finance-2023), [ECOA / Regulation B adverse action (15 U.S.C. 1691(d); 12 CFR 1002.9)](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-ecoa-regulation-b-adverse-action).
- [SEC](https://www.bankingnewsai.com/ai-regulation/sec) — Quantified AI claims on earnings calls and AI risk factors in the 10-K sit within SEC scrutiny; Axos Clearing and Axos Invest are SEC-registered. See [Division of Examinations FY2026 Priorities](https://www.bankingnewsai.com/ai-regulation/documents/sec-exam-priorities-fy2026).

## What the record suggests

### The metrics are the differentiator

Code share, user counts and growth rates give investors and examiners something to audit; the next step is outcome metrics such as cycle time per credit decision or cost per account.

### AI in credit workflows needs validation evidence

AI in commercial underwriting and portfolio-management workflows is exactly where the OCC will ask for independent validation, sampling and human override rates.

### Arc turns internal AI into a product

Embedding a CFO agent in small-business banking moves Axos from cost-side AI to revenue-side AI, and into CFPB chatbot territory for any consumer-facing use.

### 'No new hires' is a claim to track

Headcount versus asset growth is the simplest test of the operating-leverage thesis; report it quarterly.

## FAQ

### Does Axos Bank use AI?

Yes, extensively. Axos says AI now writes 90% of its committed code, more than 500 team members use an enterprise AI assistant, and specialised agents test and quality-check work. It uses OutSystems Agent Workbench agents in its consumer bank, applies AI to commercial credit underwriting and portfolio management, and in July 2026 acquired Arc Technologies for its AI-native small-business finance platform.

### Why isn't Axos in the Federal Reserve's large-bank ranking?

Axos Bank is a federal savings association, not a commercial bank, so the Fed's Large Commercial Banks release omits it. With $30.0 billion of holding-company assets at June 30, 2026 it would sit around rank 65 to 70 if included, so it is placed here by size, like Charles Schwab Bank.

### Who leads AI at Axos Bank?

Axos has not named a chief AI officer, chief information officer, chief technology officer or chief data officer in the filings and leadership page reviewed. CEO Greg Garrabrants reports AI metrics to investors. Jonathan Crane, SVP and head of consumer banking, securities and enterprise technology, runs the build-first technology programme. Kevin Hearn, SVP and head of consumer bank development, runs a small central AI test team on OutSystems. Marc Kantor and Jennifer Taylor cover commercial technology and digital, Nick Lombardo leads Arc, John Tolla, chief risk officer, owns enterprise risk, and director Uzair Dada chairs the bank's Technology Committee.

### Which AI vendors does Axos Bank use?

The Yahoo Finance transcript of the April 2026 call has Greg Garrabrants saying more than 500 team members use Claude Enterprise, Anthropic's enterprise plan. Consumer-bank developers build agents on OutSystems Agent Workbench, and Ascendion's AVA+ agents support the Zenith platform for entertainment business managers. In July 2026 Axos bought Arc Technologies for its Archie CFO agent. Bank Automation News describes OttoMoto, used for auto-dealer onboarding, as an AI-powered embedded-lending platform. Axos has not named a cloud or model provider beyond these.

### What has Axos said about AI and headcount?

In January 2026 Garrabrants said AI tools would let teams take on more projects without increasing the pace of new hires or offshoring. In July 2026 he said Axos had grown its consumer deposit base more than seven times while barely adding people to consumer deposit operations, but also added offshore staff to absorb the Jenius onboarding. The 10-K shows full-time employees rose 10% to 2,191 in fiscal 2026, and the efficiency ratio moved to 49.49% from 46.84%.

## Sources (30)

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