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Axos Financial vs peers
AI and technology compared

Last updated Oct 19, 2026 · 7 peers · 85 sources cited

How does Axos Financial compare with its peers on AI and technology?

Axos scores 56.7 on this site's US AI disclosure index (#50 of 120), sixth of the eight digital banks and technology-led commercial lenders in its peer group: behind SoFi (80.4), Ally (76.5), Customers Bancorp (75.5), Western Alliance (71.8) and USAA (63.1), ahead of Live Oak (53.1) and The Bancorp (21.3). It has eight independent sources against a peer median of 13 and the second-fewest disclosed figures, but ranks third on its own disclosures (16) and on named leaders (11). Three things separate it from named peers. Coding: CEO Greg Garrabrants said on April 30, 2026 that AI writes 90% of Axos's committed code; Customers Bancorp's CEO put his bank's share at about half (April 2026). Build-first: Axos runs its own Universal Digital Bank platform and builds agents on OutSystems with a central test team of five to seven people, and more than 500 staff use an enterprise assistant that one transcript of the April call names as Claude Enterprise. Client AI by acquisition: Axos had no AI product for clients until it bought Arc Technologies and its Archie CFO agent (closed July 20, 2026), while SoFi's Coach logged nearly 500,000 member conversations by July 2026. Where it trails is outcome reporting: Western Alliance counts 150,000-plus employee hours saved and Customers 46,000, and Axos has published no hours, savings or AI budget.[1][2][3][4][5][6][7][8][9][10]

Data as of Oct 19, 2026 · Axos Bank profile updated Oct 19, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

Where it leads

Where does Axos Bank lead its peers on AI?

01

The highest AI share of code on the record in the group

Garrabrants told investors on April 30, 2026 that AI's share of Axos's committed code had reached 90% and that technical users of AI tools were up 37% since January. Customers Bancorp's CEO told CNBC in April 2026 that AI writes about half of his bank's code, and SoFi reports migrating more than 2 million lines of mobile code with AI tooling (July 2026).[1][2][11]

02

Bought an AI-native fintech rather than partnering

Axos closed its purchase of Arc Technologies, whose Archie CFO agent and agentic finance tools it is embedding in small-business banking, on July 20, 2026, adding about $1 million a month in expenses. Among peers, Customers Bancorp chose an OpenAI strategic collaboration (April 2026) and Live Oak invested in the AI origination start-up Casca as a design partner (August 2025).[12][7][6][13][14]

03

More of its own disclosure than most peers

Axos's profile records 16 primary disclosures, third of eight behind SoFi and Customers Bancorp (20 each), and 11 named AI and technology leaders, third against a peer median of 8. Its fiscal 2026 10-K lists the development and use of AI, including agentic and generative AI, among its risk factors.[15][16][17]

04

A stated headcount discipline tied to AI

In January 2026 Garrabrants said AI would let teams take on more projects without increasing the pace of new hires or offshoring, and in July 2025 he set a cap on personnel and professional-services cost growth at 30% of income growth. Full-time staff still rose 10% to 2,191 in fiscal 2026, so the claim is on the record and testable.[18][19][15]

Where it trails

Where does Axos Bank trail its peers on AI?

01

Thin independent coverage

Axos has eight independent sources on its AI on this site's index, sixth of eight, against 21 for Ally and 20 for USAA and a peer median of 13. Independent coverage carries 45% of the index weight, which is why Axos sits behind Western Alliance and USAA despite stronger own disclosure.[20][4]

02

No outcome figures for its AI

Axos reports adoption (90% of code, 500-plus assistant users) but no hours or dollars saved. Western Alliance counts 150,000-plus employee hours and $10 million-plus of productivity value (May 2026), Customers Bancorp 46,000 hours or 24 full-time equivalents (July 2026), and The Bancorp a $300,000 tool expected to avoid about $1.5 million of run-rate expense.[1][9][10][21][22]

03

Client-facing AI arrived late, by acquisition

Garrabrants said in July 2026 that Axos had not had an AI product for clients before Arc. SoFi launched SoFi Coach in June 2026 and reported nearly 500,000 conversations by July, and Customers Bancorp announced ElevenLabs voice and chat agents for service and account opening in June 2026.[6][23][8][24]

04

No named executive for AI

Axos has not named a chief AI, data or technology officer in the filings and leadership page reviewed; AI sits with the CEO, enterprise technology head Jonathan Crane and consumer development head Kevin Hearn. Ally appointed Mark Mathewson chief information and data officer in July 2026, and Live Oak's 10-K names a chief information and digital officer.[16][25][26][27]

AI index

Where does Axos Bank rank against its peers on AI disclosure?

Scores from the US AI disclosure index of 120 banks (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.

BankScoreRankIndependent sourcesOwn disclosuresUse cases in productionMoves, last 12 monthsNamed AI platform
SoFi Technologies80.4#20 of 120152014 of 1728SoFi Coach, Composer by SoFi and the Galileo / Technisys stack[28][23][29][11]
Ally Financial76.5#27 of 12022169 of 1320Ally.ai and the Personas[30][31][32]
Customers Bancorp75.5#29 of 120132011 of 1623OpenAI strategic collaboration, AI Innovation Lab and cubiX payments network[13][33][34][35]
Western Alliance Bancorporation71.8#32 of 120131416 of 1718Triangle of Fraud Protection and the enterprise AI programme[36][37][38][39]
USAA Federal Savings Bank63.1#46 of 1202088 of 1411EagleGPT[40]
Axos Financial (this page)56.7#50 of 12081610 of 1217Enterprise AI programme, OutSystems Agent Workbench and Arc[1][3][12][20]
Live Oak Bancshares53.1#54 of 12010156 of 1016Casca AI loan origination (Live Oak Express)[14][41][42][43]
The Bancorp, Inc.21.3#96 of 120564 of 1015Not disclosed
Component by component

On which parts of the AI record is Axos Bank ahead of or behind its peers?

Each row is one input of the index, counted on the profiles of Axos Bank and the 7 peers that are scored on the same basis. "Place" is Axos Bank's position in the group of 8 (1st = most).

Component (weight)Axos BankPeer medianMost in the groupPlace
Independent sources (45%)813Ally (22)7th of 8
Use cases in production (10%)109Western Alliance (16)4th of 8
Own primary disclosures (10%)1615SoFi (20)3rd of 8
Dated moves, last 12 months (10%)1718SoFi (28)5th of 8
Disclosed numbers (5%)1317Customers Bank (23)7th of 8
Named AI leaders (5%)118Ally (14)3rd of 8
Use cases described (5%)1214SoFi (17)6th of 8
Head to head

What has each bank in Axos Bank's peer group disclosed about its AI?

Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.

BankPlatform or assistant, as the profile names itAI leaders namedHeadline AI number disclosedPatents on the recordOpen AI roles
Axos FinancialEnterprise AI programme, OutSystems Agent Workbench and Arc[1][3][12][20]11, incl. Gregory Garrabrants (President and CEO)[7][1]Share of committed code written by AI: 90% (Apr 30, 2026)[1]4 patents listed on the profile, e.g. US 2024/0098082 A1 (Further continuation of the online authentication family)[44]9 open AI roles (Oct 1, 2026); most in AI engineering
SoFi TechnologiesSoFi Coach, Composer by SoFi and the Galileo / Technisys stack[28][23][29][11]10, incl. Anthony Noto (Chief Executive Officer)[45][28]Mobile monorepo migrated with AI tooling: > 2 million lines; 40,000+ tests (Jul 6, 2026)[11]2 patents listed on the profile, e.g. US 2024/0403952 A1 (Continuation of the fairness patent)[46]5 open AI roles (Oct 1, 2026); most in ML & data science
Ally FinancialAlly.ai and the Personas[30][31][32]14, incl. Michael Rhodes (Chief Executive Officer)[26][47]Employees with Ally.ai access: 10,000+ (Jul 23, 2025)[30]4 patents listed on the profile, e.g. US 2026/0211928 A1 (Hybrid long-context summarisation)[48]2 open AI roles (Oct 1, 2026); most in AI security
Customers BancorpOpenAI strategic collaboration, AI Innovation Lab and cubiX payments network[13][33][34][35]7, incl. Sam Sidhu (President and CEO, Customers Bancorp)[33][35][49][50]Hours saved by AI workflows (Q1 2026): 28,000 (≈ 15 FTE) (Apr 27, 2026)[33]Not disclosed1 open AI roles (Sep 24, 2026); most in AI engineering
Western Alliance BancorporationTriangle of Fraud Protection and the enterprise AI programme[36][37][38][39]12, incl. Ken Vecchione (Chairman)[51][52][53]Employee hours saved by AI: 150,000+ (estimate based on Microsoft Copilot usage) (May 12, 2026)[9]Not disclosed5 open AI roles (Sep 24, 2026); most in AI engineering
Live Oak BancsharesCasca AI loan origination (Live Oak Express)[14][41][42][43]8, incl. James S. (Chip) Mahan III (Chairman and CEO)[14][54]Employee-built AI agents: More than 300 (Apr 23, 2026)[55]2 patents listed on the profile, e.g. US 2025/0370791 A1 (Dynamic task generation engine)[56]Not surveyed
USAA Federal Savings BankEagleGPT[40]7, incl. Juan C. Andrade (President and Chief Executive Officer, USAA)[57][58]Employees on the AI Aware course: All 38,000 (Oct 23, 2024)[59]9 patents listed on the profile, e.g. US 12,682,402 B1 (Intelligent inspection for property and casualty claims: severity code and loss reports before customers call)[60]Not surveyed
The Bancorp, Inc.Not disclosed4, incl. Damian Kozlowski (Chief Executive Officer)[61][62][22]First AI use case: investment and expected cost avoidance: $300,000 invested; about $1.5 million of run-rate expense expected to be avoided (Oct 31, 2025)[22]Not disclosed2 open AI roles (Oct 5, 2026); most in AI product & strategy
Last 12 months

What are the latest dated moves on the AI record of Axos Bank and its peers?

The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.

DateBankMove
Oct 8, 2026Live OakGlia names Live Oak a Catalyst Awards Pacesetter[63]
Oct 1, 2026AllyCRO: AI should be 'an accelerant', not just something to control[64]
Sep 24, 2026Axos BankProxy: Technology Committee chair named; Axos Clearing head retired[17]
Sep 22, 2026SoFiSoFiUSD settlement live on Mastercard[65]
Sep 21, 2026Axos BankCapital One IRA acquisition closes[66]
Sep 16, 2026Western AllianceBarclays conference: 15 AI use cases, top five for 2027[67]
Sep 16, 2026Western AllianceAI team first used to defend against Mythos[67]
Sep 15, 2026AllyBarclays conference: AI funded by streamlining[68]
Sep 8, 2026The BancorpChime says it will buy a bank of its own[69]
Sep 4, 2026The BancorpApex 2030 restructuring: 64 jobs cut, more automation and AI[62]
Aug 21, 2026SoFiCoach rolled out widely; actions still member-authorised[70]
Aug 7, 2026Customers BankQ2 2026 10-Q: no AI language[71][72]
Aug 4, 2026USAAUSAA and Bank of America cross-license patent portfolios[73][74]
Aug 4, 2026Live OakQ2 10-Q lists AI deployment risk among forward-looking factors[75]
Jul 24, 2026Customers BankQ2 2026 call: underwriting, KYC and close-cycle results[21]
Jul 14, 2026USAAPatent granted: loss reports before the customer calls[60]
AI in the workforce and in code

How does Axos's internal AI use compare with its peers'?

Each bank's own figures, measured differently: share of code, users, agents built, hours saved. They rank disclosure, not efficiency.

BankTools and model partnerAdoption disclosedOutcome disclosed
AxosEnterprise AI assistant (Claude Enterprise per one transcript); OutSystems Agent Workbench agents; specialised QA agentsMore than 500 assistant users; technical AI users up 37% in 2026; 90% of committed code from AI (April 2026)None published[1][5][3]
Customers BancorpOpenAI strategic collaboration with engineers on site; MicrosoftMore than 600 agents deployed; about half of code written by AI46,000 hours saved, equal to 24 FTEs (Q2 2026)[13][49][10][2][21]
Western AllianceMicrosoft Copilot and an enterprise AI programmeNot published150,000-plus hours saved; $10 million-plus productivity value; lending cycle time down 25% (May 2026)[9]
Live OakAI tools for all of its roughly 1,000 employees; developers on CursorMore than 640 agents and skills built by staff (July 2026)Not published[76][77][78]
SoFiAI tooling across engineering; Poetic agents for fraud investigationsMore than 2 million lines of mobile code migrated with AI (July 2026)Poetic reports 99%+ quality on end-to-end fraud investigations[11][79]
AllyAlly.ai over Microsoft's Azure OpenAI Service10,000-plus employees with access; 57% active users in 2025Call summaries covering about 5 million calls[30][80]
USAAEagleGPT for the workforce; code assist for all software engineersAI Aware course for all 38,000 employees (2024)About a dozen gen-AI solutions implemented in 2024[40][59]
The BancorpIn-house tool for financial-crimes narrativesFirst AI use case (October 2025)$300,000 build; about $1.5 million of run-rate expense expected to be avoided[22]
AI that customers see

How does Axos's customer-facing AI compare with other digital banks'?

What each bank puts in front of its own customers. Internal tools are in the table above.

BankCustomer-facing AILaunchedScale disclosed
AxosArc's Archie CFO agent and agentic finance tools for technology and growth companies, to be embedded in small-business bankingArc acquisition closed July 20, 2026Not published[12][20][7]
SoFiSoFi Coach, a chat-based financial guide built with planners; Cash Coach before itJune 2, 2026 (Coach); October 2025 (Cash Coach)Nearly 500,000 conversations, over 90% positive feedback (July 2026)[23][28][8]
Customers BancorpElevenLabs voice and digital service agents and conversational account opening; a cubiX MCP server for LLM access to payment railsJune 2026Not published[24][81]
Live OakLive Oak Express SBA loans originated on Casca's AI platform; Glia Banking AI for serviceRollout planned for Q4 2025; piloting in Q1 2026$56 million of Express originations in Q1 2026; 93% first-contact resolution on Glia[41][42][63]
Western AllianceAI-based claim validation inside its Digital Disbursements fraud screening2024723 million fraudulent claims prevented in 2024[37][82]
Build or partner

Does Axos build its AI or buy it, compared with its peers?

How each bank sources its technology and AI, in its own words or its executives'.

BankApproachEvidenceDate
AxosBuild first: owns its systems, more than 100 custom apps, Axos Universal Core as a fully owned core; buys capabilities it lacks (Arc)Jonathan Crane: 'The winning banks ... will be software companies that happen to hold a banking charter'June 2026[25][12]
Customers BancorpPartner with a frontier lab: OpenAI teams on site; may co-create tools OpenAI could sell to other banksStrategic collaboration announced April 27, 2026April 2026[13][2]
Live OakInvest in and design-partner with a start-up (Casca) while staff build their own agentsLive Oak Ventures in Casca's $29 million Series AAugust 2025[14][41]
SoFiOwns its technology stack through Galileo and Technisys, now SoFi Technology SolutionsRebrand disclosed on the Q1 2026 callApril 2026[83]
AllyPlatform over a hyperscaler model service: Ally.ai routes to Azure OpenAIOpened to all employees after 18 months and 2,200 testersJuly 2025[30][84]
The peer group

Which banks are Axos Bank's peers, and why these?

Axos Financial is compared here with SoFi Technologies, Ally Financial, Customers Bancorp, Western Alliance Bancorporation, Live Oak Bancshares, USAA Federal Savings Bank and The Bancorp, Inc.: chosen by the editors for this page (see the note below the table). Axos Financial is classed as a digital or direct bank in the West.

Axos is an online-first bank that funds national specialty commercial lending with online deposits and runs a clearing and RIA custody arm, so it is compared with digital banks (SoFi, Ally, USAA, The Bancorp) and technology-led national commercial lenders (Customers, Western Alliance, Live Oak) rather than with regional branch banks of similar size.

Common questions

Is Axos better than SoFi at AI?

The record cannot settle capability, but SoFi has put more on it: this site's disclosure index scores SoFi 80.4 and Axos 56.7. SoFi's AI faces members, with SoFi Coach reaching nearly 500,000 conversations by July 2026; Axos's AI faces its own operations, with 90% of committed code written by AI (April 2026), and its first client product arrived with the Arc acquisition in July 2026.[8][23][1][6]

How does Axos compare with Customers Bancorp on AI?

Both quantify how much of their software AI writes. Axos reports 90% of committed code from AI; Customers' CEO says about half. Customers chose a strategic collaboration with OpenAI (April 2026) and reports 46,000 hours saved and more than 600 agents; Axos builds on OutSystems, uses an enterprise assistant named as Claude Enterprise in one transcript, and reports no hours saved.[1][2][13][10][3][5]

Does Axos Bank have an AI assistant for customers?

Not a consumer banking assistant. Garrabrants said in July 2026 that Axos had done a lot on AI internally but had not had an AI product for clients before buying Arc Technologies, whose Archie CFO agent is being embedded in small-business banking. SoFi Coach for members and Customers Bancorp's ElevenLabs service agents are the closest peer examples.[6][20][23][24]

Which AI vendors does Axos use compared with its peers?

The Yahoo Finance transcript of Axos's April 2026 call names Claude Enterprise from Anthropic for more than 500 staff; another transcript renders it 'Cloud Enterprise'. Axos also uses OutSystems Agent Workbench. Customers Bancorp names OpenAI, Ally routes Ally.ai to Microsoft's Azure OpenAI Service, Western Alliance cites Microsoft Copilot, and Live Oak's developers use Cursor.[5][1][3][13][30][9][77]

How does Axos's efficiency compare now that it uses AI?

Axos's efficiency ratio moved to 49.49% in fiscal 2026 from 46.84% as non-interest expense rose 24% to $732.7 million, including a $21.0 million Axos Clearing legal accrual in the fourth quarter. Customers Bancorp targets a low-40s efficiency ratio in 2027 from about 50%, citing AI. Neither figure isolates AI's effect.[7][85][2]

Why does Axos rank sixth in its peer group on this site's index?

The index weighs independent coverage at 45%, and Axos has eight independent sources against a peer median of 13; it also discloses fewer figures than most peers. It ranks third on its own disclosures and on named leaders. The score measures what is on the public record about each bank's AI, not which bank uses AI better.[20][1]

How does Axos's AI compare with Ally's?

Ally has more on the record (76.5 against 56.7 on this site's index) and published a rollout: Ally.ai opened to all 10,000-plus employees in July 2025 after 18 months of testing, and 57% of full-time staff were active AI users in 2025. Axos reports a smaller assistant user base, more than 500 staff, but a higher AI share of code, 90%.[30][80][1]

Peers on this site
SoFi AI strategy →How SoFi Technologies compares with its peers →Ally AI strategy →How Ally Financial compares with its peers →Customers Bank AI strategy →How Customers Bancorp compares with its peers →Western Alliance AI strategy →How Western Alliance Bancorporation compares with its peers →Live Oak Bank AI strategy →How Live Oak Bancshares compares with its peers →USAA Bank AI strategy →How USAA Federal Savings Bank compares with its peers →The Bancorp Bank AI strategy →How The Bancorp, Inc. compares with its peers →
Deeper on Axos Bank
Axos Bank AI strategy: the full profile →Axos Financial competitors and alternatives →Axos Bank AI strategy profile →Axos competitors and alternatives →SoFi AI profile →Customers Bancorp AI profile →Live Oak AI profile →AI disclosure index: the largest US banks ranked →Which banks lead in AI, topic by topic →
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  74. USAA and BofA swap patent rights in first two-way deal
    American Banker · Aug 5, 2026
  75. Live Oak Bancshares, Inc. Form 10-Q for the quarter ended June 30, 2026
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  76. Live Oak (LOB) Q1 2026 Earnings Transcript
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  77. Live Oak (LOB) Q3 2025 Earnings Transcript
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  78. Earnings call transcript: Live Oak Bancshares tops Q2 2026 estimates
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  80. Ally Financial 2025 Annual Report (CEO letter and Form 10-K)
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  81. Digital Payments for Business (cubiX)
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  82. Western Alliance co-created tech blocks class action fraud
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  83. SoFi (SOFI) Q1 2026 Earnings Call Transcript
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  84. Ally's generative AI strategy eyes multiple LLMs, AI agents
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  85. Customers Bancorp Q2 Earnings Call Highlights
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