# Axos Financial vs peers: AI and technology compared

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

*Part of the [Axos Financial AI strategy profile](https://www.bankingnewsai.com/banks/axos). Peer group: SoFi Technologies, Ally Financial, Customers Bancorp, Western Alliance Bancorporation, Live Oak Bancshares, USAA Federal Savings Bank, The Bancorp, Inc..*

## 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. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html), [CNBC](https://www.cnbc.com/2026/04/27/openai-partners-with-customers-bank-in-push-to-automate-finance.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), [AI Business](https://aibusiness.com/agentic-ai/enterprises-contain-agents-balance-risk-reward), [Yahoo Finance](https://finance.yahoo.com/quote/AX/earnings/AX-Q3-2026-earnings_call-548685.html), [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://businesswire.com/news/home/20260730727486/en/Axos-Financial-Inc.-Reports-Fiscal-Year-2026-Results), [SEC (SoFi Technologies 8-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000050/a2026q2earningsrelease.htm), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm))

## Where does Axos Bank lead its peers on AI?

- **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). ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html), [CNBC](https://www.cnbc.com/2026/04/27/openai-partners-with-customers-bank-in-push-to-automate-finance.html), [SoFi (engineering blog)](https://sofietyblog.sofi.com/leveraging-ai-for-executing-a-complex-mobile-migration))
- **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). ([Axos Financial](https://investors.axosfinancial.com/news-events/press-releases/news-details/2026/Axos-Financial-Inc--to-Acquire-Arc-Technologies-Inc-/default.aspx), [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), [Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [Live Oak Bancshares (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/08/19/3135818/36594/en/Live-Oak-Ventures-Participates-in-Financing-of-Cascading-AI-Inc.html))
- **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. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000060/ax-20260630.htm), [Axos Bank](https://axosbank.com/about-us/executive-team), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000073/ax-20260924.htm))
- **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. ([Yahoo Finance](https://finance.yahoo.com/quote/AX/earnings/AX-Q2-2026-earnings_call-406169.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-financial-ax-q4-2025-032614266.html), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000060/ax-20260630.htm))

## Where does Axos Bank trail its peers on AI?

- **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. ([American Banker](https://www.americanbanker.com/news/axos-to-buy-san-francisco-fintech-and-its-ai-technology), [AI Business](https://aibusiness.com/agentic-ai/enterprises-contain-agents-balance-risk-reward))
- **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. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-customers-bancorp-posts-strong-q2-2026-growth-93CH-4812021), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q3-2025-misses-eps-forecast-revenue-beats-93CH-4324073))
- **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. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-axos-beats-q4-2026-estimates-as-shares-rise-after-hours-93CH-4826506), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1), [SEC (SoFi Technologies 8-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000050/a2026q2earningsrelease.htm), [Customers Bank (Business Wire)](https://businesswire.com/news/home/20260602834906/en/Customers-Bank-and-ElevenLabs-to-Deploy-AI-Powered-Conversational-Agents-Across-Customer-and-Employee-Experiences))
- **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. ([Axos Bank](https://axosbank.com/about-us/executive-team), [American Banker](https://americanbanker.com/news/axos-banks-jonathan-crane-is-35-on-the-most-innovative-people-in-finance-ranking), [Ally Financial](https://media.ally.com/2026-07-13-Ally-Financial-Names-Mark-Mathewson-Chief-Information-and-Data-Officer), [Live Oak Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/1462120/000146212026000020/lob-20251231.htm))

## 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.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [SoFi Technologies](https://www.bankingnewsai.com/banks/sofi) | [80.4](https://www.bankingnewsai.com/banks/ai-index) | #20 of 120 | [15](https://www.bankingnewsai.com/banks/sofi#sources) | [20](https://www.bankingnewsai.com/banks/sofi#sources) | [14 of 17](https://www.bankingnewsai.com/banks/sofi#where) | [28](https://www.bankingnewsai.com/banks/sofi#timeline) | SoFi Coach, Composer by SoFi and the Galileo / Technisys stack ([American Banker](https://americanbanker.com/news/sofi-targets-bank-deposits-with-consumer-facing-ai), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606230800BIZWIRE_USPRX____20260623_BW095057-1), [SoFi (engineering blog)](https://sofietyblog.sofi.com/leveraging-ai-for-executing-a-complex-mobile-migration)) |
| [Ally Financial](https://www.bankingnewsai.com/banks/ally) | [76.5](https://www.bankingnewsai.com/banks/ai-index) | #27 of 120 | [22](https://www.bankingnewsai.com/banks/ally#sources) | [16](https://www.bankingnewsai.com/banks/ally#sources) | [9 of 13](https://www.bankingnewsai.com/banks/ally#where) | [20](https://www.bankingnewsai.com/banks/ally#timeline) | Ally.ai and the Personas ([Ally Financial](https://media.ally.com/2025-07-23-Ally-Financial-rolls-out-proprietary-AI-platform-enterprise-wide), [American Banker](https://americanbanker.com/news/how-sathish-muthukrishnan-keeps-allys-data-safe-from-gen-ai), [American Banker](https://americanbanker.com/news/allys-personas-is-on-of-the-innovation-of-the-year-honorees)) |
| [Customers Bancorp](https://www.bankingnewsai.com/banks/customers) | [75.5](https://www.bankingnewsai.com/banks/ai-index) | #29 of 120 | [13](https://www.bankingnewsai.com/banks/customers#sources) | [20](https://www.bankingnewsai.com/banks/customers#sources) | [11 of 16](https://www.bankingnewsai.com/banks/customers#where) | [23](https://www.bankingnewsai.com/banks/customers#timeline) | OpenAI strategic collaboration, AI Innovation Lab and cubiX payments network ([Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bancorp](https://customersbank.com/pdf/260122-presentation.pdf), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026)) |
| [Western Alliance Bancorporation](https://www.bankingnewsai.com/banks/western-alliance) | [71.8](https://www.bankingnewsai.com/banks/ai-index) | #32 of 120 | [13](https://www.bankingnewsai.com/banks/western-alliance#sources) | [14](https://www.bankingnewsai.com/banks/western-alliance#sources) | [16 of 17](https://www.bankingnewsai.com/banks/western-alliance#where) | [18](https://www.bankingnewsai.com/banks/western-alliance#timeline) | Triangle of Fraud Protection and the enterprise AI programme ([American Banker](https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [American Banker](https://americanbanker.com/news/innovation-of-the-year-2025-meet-the-honorees), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1)) |
| [USAA Federal Savings Bank](https://www.bankingnewsai.com/banks/usaa) | [63.1](https://www.bankingnewsai.com/banks/ai-index) | #46 of 120 | [20](https://www.bankingnewsai.com/banks/usaa#sources) | [8](https://www.bankingnewsai.com/banks/usaa#sources) | [8 of 14](https://www.bankingnewsai.com/banks/usaa#where) | [11](https://www.bankingnewsai.com/banks/usaa#timeline) | EagleGPT ([TechTarget](https://www.techtarget.com/ai/news/366623771/USAA-takes-an-experiment-and-see-approach-with-AI)) |
| [Axos Financial (this page)](https://www.bankingnewsai.com/banks/axos) | [56.7](https://www.bankingnewsai.com/banks/ai-index) | #50 of 120 | [8](https://www.bankingnewsai.com/banks/axos#sources) | [16](https://www.bankingnewsai.com/banks/axos#sources) | [10 of 12](https://www.bankingnewsai.com/banks/axos#where) | [17](https://www.bankingnewsai.com/banks/axos#timeline) | Enterprise AI programme, OutSystems Agent Workbench and Arc ([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)) |
| [Live Oak Bancshares](https://www.bankingnewsai.com/banks/live-oak) | [53.1](https://www.bankingnewsai.com/banks/ai-index) | #54 of 120 | [10](https://www.bankingnewsai.com/banks/live-oak#sources) | [15](https://www.bankingnewsai.com/banks/live-oak#sources) | [6 of 10](https://www.bankingnewsai.com/banks/live-oak#where) | [16](https://www.bankingnewsai.com/banks/live-oak#timeline) | Casca AI loan origination (Live Oak Express) ([Live Oak Bancshares (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/08/19/3135818/36594/en/Live-Oak-Ventures-Participates-in-Financing-of-Cascading-AI-Inc.html), [American Banker](https://www.americanbanker.com/news/huntington-live-oak-to-invest-in-deploy-gen-ai-based-lending), [American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-inc-q2-123000999.html)) |
| [The Bancorp, Inc.](https://www.bankingnewsai.com/banks/the-bancorp) | [21.3](https://www.bankingnewsai.com/banks/ai-index) | #96 of 120 | [5](https://www.bankingnewsai.com/banks/the-bancorp#sources) | [6](https://www.bankingnewsai.com/banks/the-bancorp#sources) | [4 of 10](https://www.bankingnewsai.com/banks/the-bancorp#where) | [15](https://www.bankingnewsai.com/banks/the-bancorp#timeline) | Not disclosed |

## 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 Bank | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 8 | 13 | [Ally (22)](https://www.bankingnewsai.com/banks/ally) | 7th of 8 |
| Use cases in production (10%) | 10 | 9 | [Western Alliance (16)](https://www.bankingnewsai.com/banks/western-alliance) | 4th of 8 |
| Own primary disclosures (10%) | 16 | 15 | [SoFi (20)](https://www.bankingnewsai.com/banks/sofi) | 3rd of 8 |
| Dated moves, last 12 months (10%) | 17 | 18 | [SoFi (28)](https://www.bankingnewsai.com/banks/sofi) | 5th of 8 |
| Disclosed numbers (5%) | 13 | 17 | [Customers Bank (23)](https://www.bankingnewsai.com/banks/customers) | 7th of 8 |
| Named AI leaders (5%) | 11 | 8 | [Ally (14)](https://www.bankingnewsai.com/banks/ally) | 3rd of 8 |
| Use cases described (5%) | 12 | 14 | [SoFi (17)](https://www.bankingnewsai.com/banks/sofi) | 6th of 8 |

## 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.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [Axos Financial](https://www.bankingnewsai.com/banks/axos) | Enterprise AI programme, OutSystems Agent Workbench and Arc ([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)) | [11, incl. Gregory Garrabrants (President and CEO)](https://www.bankingnewsai.com/banks/axos#people) ([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)) | 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)) | 4 patents listed on the profile, e.g. US 2024/0098082 A1 (Further continuation of the online authentication family) ([Google Patents (USPTO)](https://patents.google.com/patent/US20240098082A1/en)) | [9 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/axos#roles) |
| [SoFi Technologies](https://www.bankingnewsai.com/banks/sofi) | SoFi Coach, Composer by SoFi and the Galileo / Technisys stack ([American Banker](https://americanbanker.com/news/sofi-targets-bank-deposits-with-consumer-facing-ai), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606230800BIZWIRE_USPRX____20260623_BW095057-1), [SoFi (engineering blog)](https://sofietyblog.sofi.com/leveraging-ai-for-executing-a-complex-mobile-migration)) | [10, incl. Anthony Noto (Chief Executive Officer)](https://www.bankingnewsai.com/banks/sofi#people) ([American Banker](https://americanbanker.com/news/sofis-anthony-noto-is-9-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://americanbanker.com/news/sofi-targets-bank-deposits-with-consumer-facing-ai)) | Mobile monorepo migrated with AI tooling: > 2 million lines; 40,000+ tests (Jul 6, 2026) ([SoFi (engineering blog)](https://sofietyblog.sofi.com/leveraging-ai-for-executing-a-complex-mobile-migration)) | 2 patents listed on the profile, e.g. US 2024/0403952 A1 (Continuation of the fairness patent) ([Google Patents (USPTO)](https://patents.google.com/patent/US20240403952A1/en)) | [5 open AI roles (Oct 1, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/sofi#roles) |
| [Ally Financial](https://www.bankingnewsai.com/banks/ally) | Ally.ai and the Personas ([Ally Financial](https://media.ally.com/2025-07-23-Ally-Financial-rolls-out-proprietary-AI-platform-enterprise-wide), [American Banker](https://americanbanker.com/news/how-sathish-muthukrishnan-keeps-allys-data-safe-from-gen-ai), [American Banker](https://americanbanker.com/news/allys-personas-is-on-of-the-innovation-of-the-year-honorees)) | [14, incl. Michael Rhodes (Chief Executive Officer)](https://www.bankingnewsai.com/banks/ally#people) ([Ally Financial](https://media.ally.com/2026-07-13-Ally-Financial-Names-Mark-Mathewson-Chief-Information-and-Data-Officer), [Reuters](https://reuters.com/markets/deals/consumer-lender-ally-financial-sell-credit-card-business-cardworks-2025-01-22)) | Employees with Ally.ai access: 10,000+ (Jul 23, 2025) ([Ally Financial](https://media.ally.com/2025-07-23-Ally-Financial-rolls-out-proprietary-AI-platform-enterprise-wide)) | 4 patents listed on the profile, e.g. US 2026/0211928 A1 (Hybrid long-context summarisation) ([Google Patents (USPTO)](https://patents.google.com/patent/US20260211928A1/en)) | [2 open AI roles (Oct 1, 2026); most in AI security](https://www.bankingnewsai.com/banks/ally#roles) |
| [Customers Bancorp](https://www.bankingnewsai.com/banks/customers) | OpenAI strategic collaboration, AI Innovation Lab and cubiX payments network ([Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bancorp](https://customersbank.com/pdf/260122-presentation.pdf), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026)) | [7, incl. Sam Sidhu (President and CEO, Customers Bancorp)](https://www.bankingnewsai.com/banks/customers#people) ([American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026), [The Motley Fool via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/cubi-q1-2026-earnings-transcript-164432008.html), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000053/annualreviewletterwithap.htm)) | Hours saved by AI workflows (Q1 2026): 28,000 (≈ 15 FTE) (Apr 27, 2026) ([American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/customers#roles) |
| [Western Alliance Bancorporation](https://www.bankingnewsai.com/banks/western-alliance) | Triangle of Fraud Protection and the enterprise AI programme ([American Banker](https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [American Banker](https://americanbanker.com/news/innovation-of-the-year-2025-meet-the-honorees), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1)) | [12, incl. Ken Vecchione (Chairman)](https://www.bankingnewsai.com/banks/western-alliance#people) ([Western Alliance Bancorporation](https://investors.westernalliancebancorporation.com/files/doc_presentations/2026/05/WAL_InvestorDay_2026_Final.pdf), [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/western-alliance-appoints-ceo-kenneth-130000207.html), [Yahoo Finance](https://finance.yahoo.com/quote/WAL-PA/earnings/WAL-PA-Q2-2026-earnings_call-652989.html)) | Employee hours saved by AI: 150,000+ (estimate based on Microsoft Copilot usage) (May 12, 2026) ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm)) | Not disclosed | [5 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/western-alliance#roles) |
| [Live Oak Bancshares](https://www.bankingnewsai.com/banks/live-oak) | Casca AI loan origination (Live Oak Express) ([Live Oak Bancshares (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/08/19/3135818/36594/en/Live-Oak-Ventures-Participates-in-Financing-of-Cascading-AI-Inc.html), [American Banker](https://www.americanbanker.com/news/huntington-live-oak-to-invest-in-deploy-gen-ai-based-lending), [American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-inc-q2-123000999.html)) | [8, incl. James S. (Chip) Mahan III (Chairman and CEO)](https://www.bankingnewsai.com/banks/live-oak#people) ([Live Oak Bancshares (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/08/19/3135818/36594/en/Live-Oak-Ventures-Participates-in-Financing-of-Cascading-AI-Inc.html), [Live Oak Bancshares (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/22/3331734/36594/en/Live-Oak-Bancshares-Inc-Reports-Second-Quarter-2026-Results.html)) | Employee-built AI agents: More than 300 (Apr 23, 2026) ([Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-inc-q1-123000818.html)) | 2 patents listed on the profile, e.g. US 2025/0370791 A1 (Dynamic task generation engine) ([Google Patents (USPTO)](https://patents.google.com/patent/US20250370791A1/en)) | Not surveyed |
| [USAA Federal Savings Bank](https://www.bankingnewsai.com/banks/usaa) | EagleGPT ([TechTarget](https://www.techtarget.com/ai/news/366623771/USAA-takes-an-experiment-and-see-approach-with-AI)) | [7, incl. Juan C. Andrade (President and Chief Executive Officer, USAA)](https://www.bankingnewsai.com/banks/usaa#people) ([USAA](https://mobile.usaa.com/inet/wc/about_usaa_corporate_governance_executive_council), [Fortune](https://fortune.com/2026/03/01/usaa-ceo-juan-andrade-gen-z-not-as-well-off-as-boomers-gen-x-take-ownership-success)) | Employees on the AI Aware course: All 38,000 (Oct 23, 2024) ([MIT Sloan Management Review](https://sloanreview.mit.edu/article/how-genai-helps-usaa-innovate)) | 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) ([Google Patents (USPTO)](https://patents.google.com/patent/US12682402B1/en)) | Not surveyed |
| [The Bancorp, Inc.](https://www.bankingnewsai.com/banks/the-bancorp) | Not disclosed | [4, incl. Damian Kozlowski (Chief Executive Officer)](https://www.bankingnewsai.com/banks/the-bancorp#people) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q4-2025-misses-eps-forecast-stock-drops-93CH-4476230), [The Bancorp (Business Wire via Yahoo Finance)](https://finance.yahoo.com/small-business/articles/bancorp-advances-apex-2030-continued-200500324.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q3-2025-misses-eps-forecast-revenue-beats-93CH-4324073)) | 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) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q3-2025-misses-eps-forecast-revenue-beats-93CH-4324073)) | Not disclosed | [2 open AI roles (Oct 5, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/the-bancorp#roles) |

## 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.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 8, 2026 | [Live Oak](https://www.bankingnewsai.com/banks/live-oak) | Glia names Live Oak a Catalyst Awards Pacesetter ([Glia (Business Wire via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/4-banks-credit-unions-recognized-134500710.html)) |
| Oct 1, 2026 | [Ally](https://www.bankingnewsai.com/banks/ally) | CRO: AI should be 'an accelerant', not just something to control ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-9-stephanie-richard-ally-financial)) |
| Sep 24, 2026 | [Axos Bank](https://www.bankingnewsai.com/banks/axos) | Proxy: Technology Committee chair named; Axos Clearing head retired ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000073/ax-20260924.htm)) |
| Sep 22, 2026 | [SoFi](https://www.bankingnewsai.com/banks/sofi) | SoFiUSD settlement live on Mastercard ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202609220800BIZWIRE_USPRX____20260922_BW545634-1)) |
| Sep 21, 2026 | [Axos Bank](https://www.bankingnewsai.com/banks/axos) | Capital One IRA acquisition closes ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000066/ax-20260921.htm)) |
| Sep 16, 2026 | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | Barclays conference: 15 AI use cases, top five for 2027 ([Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090)) |
| Sep 16, 2026 | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | AI team first used to defend against Mythos ([Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090)) |
| Sep 15, 2026 | [Ally](https://www.bankingnewsai.com/banks/ally) | Barclays conference: AI funded by streamlining ([Investing.com](https://uk.investing.com/news/stock-market-news/ally-financial-at-barclays-conference-profit-gains-meet-lingering-headwinds-93CH-4870182)) |
| Sep 8, 2026 | [The Bancorp](https://www.bankingnewsai.com/banks/the-bancorp) | Chime says it will buy a bank of its own ([American Banker](https://americanbanker.com/payments/news/how-the-banking-as-a-service-model-is-changing)) |
| Sep 4, 2026 | [The Bancorp](https://www.bankingnewsai.com/banks/the-bancorp) | Apex 2030 restructuring: 64 jobs cut, more automation and AI ([The Bancorp (Business Wire via Yahoo Finance)](https://finance.yahoo.com/small-business/articles/bancorp-advances-apex-2030-continued-200500324.html)) |
| Aug 21, 2026 | [SoFi](https://www.bankingnewsai.com/banks/sofi) | Coach rolled out widely; actions still member-authorised ([The Financial Brand](https://thefinancialbrand.com/news/banking-technology/how-sofis-coach-app-delivers-personalized-actionable-advice-and-drives-the-banks-expansion-plans-199145)) |
| Aug 7, 2026 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | Q2 2026 10-Q: no AI language ([Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000095/cubi-20260630.htm), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000068/cubi-20260331.htm)) |
| Aug 4, 2026 | [USAA](https://www.bankingnewsai.com/banks/usaa) | USAA and Bank of America cross-license patent portfolios ([Banking Dive](https://bankingdive.com/news/usaa-bank-of-america-patent-agreement-bofa/827102), [American Banker](https://americanbanker.com/news/usaa-and-bofa-swap-patent-rights-in-first-two-way-deal)) |
| Aug 4, 2026 | [Live Oak](https://www.bankingnewsai.com/banks/live-oak) | Q2 10-Q lists AI deployment risk among forward-looking factors ([Live Oak Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/1462120/000146212026000058/lob-20260630.htm)) |
| Jul 24, 2026 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | Q2 2026 call: underwriting, KYC and close-cycle results ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-customers-bancorp-posts-strong-q2-2026-growth-93CH-4812021)) |
| Jul 14, 2026 | [USAA](https://www.bankingnewsai.com/banks/usaa) | Patent granted: loss reports before the customer calls ([Google Patents (USPTO)](https://patents.google.com/patent/US12682402B1/en)) |

## 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.

| Bank | Tools and model partner | Adoption disclosed | Outcome disclosed |
| --- | --- | --- | --- |
| Axos | Enterprise AI assistant (Claude Enterprise per one transcript); OutSystems Agent Workbench agents; specialised QA agents | More than 500 assistant users; technical AI users up 37% in 2026; 90% of committed code from AI (April 2026) | None published ([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-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)) |
| Customers Bancorp | OpenAI strategic collaboration with engineers on site; Microsoft | More than 600 agents deployed; about half of code written by AI | 46,000 hours saved, equal to 24 FTEs (Q2 2026) ([Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [The Motley Fool via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/cubi-q1-2026-earnings-transcript-164432008.html), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm), [CNBC](https://www.cnbc.com/2026/04/27/openai-partners-with-customers-bank-in-push-to-automate-finance.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-customers-bancorp-posts-strong-q2-2026-growth-93CH-4812021)) |
| Western Alliance | Microsoft Copilot and an enterprise AI programme | Not published | 150,000-plus hours saved; $10 million-plus productivity value; lending cycle time down 25% (May 2026) ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm)) |
| Live Oak | AI tools for all of its roughly 1,000 employees; developers on Cursor | More than 640 agents and skills built by staff (July 2026) | Not published ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/23/live-oak-lob-q1-2026-earnings-transcript), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/22/live-oak-lob-q3-2025-earnings-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-live-oak-bancshares-tops-q2-2026-estimates-93CH-4809313)) |
| SoFi | AI tooling across engineering; Poetic agents for fraud investigations | More than 2 million lines of mobile code migrated with AI (July 2026) | Poetic reports 99%+ quality on end-to-end fraud investigations ([SoFi (engineering blog)](https://sofietyblog.sofi.com/leveraging-ai-for-executing-a-complex-mobile-migration), [PR Newswire (Poetic)](https://www.prnewswire.com/news-releases/poetic-raises-50m-series-a-to-automate-the-worlds-most-complex-enterprise-processes-with-reliable-ai-302796939.html)) |
| Ally | Ally.ai over Microsoft's Azure OpenAI Service | 10,000-plus employees with access; 57% active users in 2025 | Call summaries covering about 5 million calls ([Ally Financial](https://media.ally.com/2025-07-23-Ally-Financial-rolls-out-proprietary-AI-platform-enterprise-wide), [Ally Financial](https://media.ally.com/image/Ally_2025AnnualReport_Final-accessible+%2B+10-K.pdf)) |
| USAA | EagleGPT for the workforce; code assist for all software engineers | AI Aware course for all 38,000 employees (2024) | About a dozen gen-AI solutions implemented in 2024 ([TechTarget](https://www.techtarget.com/ai/news/366623771/USAA-takes-an-experiment-and-see-approach-with-AI), [MIT Sloan Management Review](https://sloanreview.mit.edu/article/how-genai-helps-usaa-innovate)) |
| The Bancorp | In-house tool for financial-crimes narratives | First AI use case (October 2025) | $300,000 build; about $1.5 million of run-rate expense expected to be avoided ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q3-2025-misses-eps-forecast-revenue-beats-93CH-4324073)) |

## 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.

| Bank | Customer-facing AI | Launched | Scale disclosed |
| --- | --- | --- | --- |
| Axos | Arc's Archie CFO agent and agentic finance tools for technology and growth companies, to be embedded in small-business banking | Arc acquisition closed July 20, 2026 | Not published ([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)) |
| SoFi | SoFi Coach, a chat-based financial guide built with planners; Cash Coach before it | June 2, 2026 (Coach); October 2025 (Cash Coach) | Nearly 500,000 conversations, over 90% positive feedback (July 2026) ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1), [American Banker](https://americanbanker.com/news/sofi-targets-bank-deposits-with-consumer-facing-ai), [SEC (SoFi Technologies 8-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000050/a2026q2earningsrelease.htm)) |
| Customers Bancorp | ElevenLabs voice and digital service agents and conversational account opening; a cubiX MCP server for LLM access to payment rails | June 2026 | Not published ([Customers Bank (Business Wire)](https://businesswire.com/news/home/20260602834906/en/Customers-Bank-and-ElevenLabs-to-Deploy-AI-Powered-Conversational-Agents-Across-Customer-and-Employee-Experiences), [Customers Bank](https://customersbank.com/digital-payments)) |
| Live Oak | Live Oak Express SBA loans originated on Casca's AI platform; Glia Banking AI for service | Rollout planned for Q4 2025; piloting in Q1 2026 | $56 million of Express originations in Q1 2026; 93% first-contact resolution on Glia ([American Banker](https://www.americanbanker.com/news/huntington-live-oak-to-invest-in-deploy-gen-ai-based-lending), [American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending), [Glia (Business Wire via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/4-banks-credit-unions-recognized-134500710.html)) |
| Western Alliance | AI-based claim validation inside its Digital Disbursements fraud screening | 2024 | 723 million fraudulent claims prevented in 2024 ([Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [American Banker](https://americanbanker.com/news/western-alliance-co-created-tech-blocks-class-action-fraud)) |

## 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'.

| Bank | Approach | Evidence | Date |
| --- | --- | --- | --- |
| Axos | Build 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 ([American Banker](https://americanbanker.com/news/axos-banks-jonathan-crane-is-35-on-the-most-innovative-people-in-finance-ranking), [Axos Financial](https://investors.axosfinancial.com/news-events/press-releases/news-details/2026/Axos-Financial-Inc--to-Acquire-Arc-Technologies-Inc-/default.aspx)) |
| Customers Bancorp | Partner with a frontier lab: OpenAI teams on site; may co-create tools OpenAI could sell to other banks | Strategic collaboration announced April 27, 2026 | April 2026 ([Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [CNBC](https://www.cnbc.com/2026/04/27/openai-partners-with-customers-bank-in-push-to-automate-finance.html)) |
| Live Oak | Invest in and design-partner with a start-up (Casca) while staff build their own agents | Live Oak Ventures in Casca's $29 million Series A | August 2025 ([Live Oak Bancshares (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/08/19/3135818/36594/en/Live-Oak-Ventures-Participates-in-Financing-of-Cascading-AI-Inc.html), [American Banker](https://www.americanbanker.com/news/huntington-live-oak-to-invest-in-deploy-gen-ai-based-lending)) |
| SoFi | Owns its technology stack through Galileo and Technisys, now SoFi Technology Solutions | Rebrand disclosed on the Q1 2026 call | April 2026 ([Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/sofi-sofi-q1-2026-earnings-call-transcript/)) |
| Ally | Platform over a hyperscaler model service: Ally.ai routes to Azure OpenAI | Opened to all employees after 18 months and 2,200 testers | July 2025 ([Ally Financial](https://media.ally.com/2025-07-23-Ally-Financial-rolls-out-proprietary-AI-platform-enterprise-wide), [TechTarget](https://www.techtarget.com/it-strategy/feature/Allys-generative-AI-strategy-eyes-multiple-LLMs-AI-agents)) |

## 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. ([SEC (SoFi Technologies 8-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000050/a2026q2earningsrelease.htm), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-axos-beats-q4-2026-estimates-as-shares-rise-after-hours-93CH-4826506))

### 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. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html), [CNBC](https://www.cnbc.com/2026/04/27/openai-partners-with-customers-bank-in-push-to-automate-finance.html), [Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm), [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), [Yahoo Finance](https://finance.yahoo.com/quote/AX/earnings/AX-Q3-2026-earnings_call-548685.html))

### 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. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-axos-beats-q4-2026-estimates-as-shares-rise-after-hours-93CH-4826506), [American Banker](https://www.americanbanker.com/news/axos-to-buy-san-francisco-fintech-and-its-ai-technology), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1), [Customers Bank (Business Wire)](https://businesswire.com/news/home/20260602834906/en/Customers-Bank-and-ElevenLabs-to-Deploy-AI-Powered-Conversational-Agents-Across-Customer-and-Employee-Experiences))

### 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. ([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), [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), [Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [Ally Financial](https://media.ally.com/2025-07-23-Ally-Financial-rolls-out-proprietary-AI-platform-enterprise-wide), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/22/live-oak-lob-q3-2025-earnings-transcript))

### 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. ([Axos Financial (Business Wire)](https://businesswire.com/news/home/20260730727486/en/Axos-Financial-Inc.-Reports-Fiscal-Year-2026-Results), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/customers-bancorp-q2-earnings-call-140353073.html), [CNBC](https://www.cnbc.com/2026/04/27/openai-partners-with-customers-bank-in-push-to-automate-finance.html))

### 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. ([American Banker](https://www.americanbanker.com/news/axos-to-buy-san-francisco-fintech-and-its-ai-technology), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html))

### 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%. ([Ally Financial](https://media.ally.com/2025-07-23-Ally-Financial-rolls-out-proprietary-AI-platform-enterprise-wide), [Ally Financial](https://media.ally.com/image/Ally_2025AnnualReport_Final-accessible+%2B+10-K.pdf), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html))

## Peers on this site

- [SoFi Technologies AI strategy](https://www.bankingnewsai.com/banks/sofi) · [vs peers](https://www.bankingnewsai.com/banks/sofi/vs-peers)
- [Ally Financial AI strategy](https://www.bankingnewsai.com/banks/ally) · [vs peers](https://www.bankingnewsai.com/banks/ally/vs-peers)
- [Customers Bancorp AI strategy](https://www.bankingnewsai.com/banks/customers) · [vs peers](https://www.bankingnewsai.com/banks/customers/vs-peers)
- [Western Alliance Bancorporation AI strategy](https://www.bankingnewsai.com/banks/western-alliance) · [vs peers](https://www.bankingnewsai.com/banks/western-alliance/vs-peers)
- [Live Oak Bancshares AI strategy](https://www.bankingnewsai.com/banks/live-oak) · [vs peers](https://www.bankingnewsai.com/banks/live-oak/vs-peers)
- [USAA Federal Savings Bank AI strategy](https://www.bankingnewsai.com/banks/usaa) · [vs peers](https://www.bankingnewsai.com/banks/usaa/vs-peers)
- [The Bancorp, Inc. AI strategy](https://www.bankingnewsai.com/banks/the-bancorp) · [vs peers](https://www.bankingnewsai.com/banks/the-bancorp/vs-peers)

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