# Barclays US Consumer Bank: AI strategy

Source: https://www.bankingnewsai.com/banks/barclays-us
Last updated: Oct 25, 2026

*A co-brand credit-card issuer that has put generative AI into its contact centres at scale (eight million call summaries in four months) under a group-wide AI programme, and is adding an $800 million personal-loan platform.*

## How is Barclays US using AI?

Barclays US Consumer Bank, the Wilmington, Delaware card issuer that runs co-brand programmes for JetBlue, Wyndham, Carnival, Gap and, since 2025, General Motors, with more than 25 million customers (per Barclays' 2025 annual report) and roughly $32 billion of receivables ($29.7 billion at 30 June 2026 after it sold the American Airlines portfolio), has one of the clearest disclosed production generative-AI deployments among midsize US banks. Since October 2025 it has used GenAI to summarise every contact-centre interaction, capturing the reason for the call, actions taken and next steps so agents have context for complex or repeat calls; by 5 February 2026 more than eight million calls had been summarised, and chief operating officer Tony Castañon said the bank was measuring 'shorter call resolution times, fewer repeat calls and improved customer satisfaction scores'. The bank is explicit that the tool does not make decisions about accounts or interact with customers, which keeps it outside the CFPB's chatbot concerns. The deployment is part of Barclays PLC's group programme for scaling agentic and generative AI, alongside a gen-AI chatbot for quotes in global markets and, from April 2026, a global head of data science and applied AI in research. Strategically the US bank is growing beyond cards: it completed the $800 million acquisition of Best Egg, a direct-to-consumer personal-loan platform servicing $11 billion of loans, on 1 May 2026, and its expanded Visa agreement of October 2025 explicitly covers agentic commerce. Barclays Bank Delaware is a state nonmember bank supervised by the FDIC and, as a foreign-owned card lender, sits under the CFPB's credit-card rules; it does not disclose US AI spending separately from the group.

## At a glance

| Field | Value |
| --- | --- |
| Lead bank | Barclays Bank Delaware |
| Ticker | BCS (Barclays PLC) |
| Headquarters | Wilmington, DE |
| Consolidated assets | $43,454 million |
| Federal Reserve rank | 51 |
| Charter | Delaware state nonmember bank (FDIC); subsidiary of Barclays PLC |

## What AI partnerships and patents does Barclays US Consumer Bank have?

The US bank names few AI partners of its own. Its public AI record is the GenAI call summariser, a conversational tool launching in its app, an expanded Visa agreement that mentions agentic commerce, and an FIS core upgrade that FIS links to AI-powered insights. Group-level partners are Microsoft (about 100,000 Copilot licences), Anthropic, AWS, Databricks and GitLab. Barclays Bank Delaware holds five patent records, none on AI; group AI filings (fraud decisioning and machine-learning change-risk scoring) are assigned to Barclays Execution Services Ltd. No GPU vendor or AI spend for the US bank is public. ([Microsoft](https://ukstories.microsoft.com/features/barclays-rolls-out-microsoft-365-copilot-to-100000-colleagues/), [SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm), [Anthropic](https://www.anthropic.com/news/barclays-scales-claude), [Visa](https://www.visa.co.uk/about-visa/newsroom/press-releases.3413006.html), [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/barclays-fis-extend-partnership-supporting-120000205.html), [Google Patents (USPTO)](https://patents.google.com/patent/US20240037559A1/en), [Google Patents (USPTO)](https://patents.google.com/patent/US11424930B2/en))

| Item | What it is | Status | Date | Sources |
| --- | --- | --- | --- | --- |
| Microsoft 365 Copilot (group) | About 100,000 licences across the group; the 2025 announcement covered 100,000 colleagues, integrated into the bank's colleague productivity tool | In production | 2025-06-09 | [Microsoft](https://ukstories.microsoft.com/features/barclays-rolls-out-microsoft-365-copilot-to-100000-colleagues/), [SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm) |
| Anthropic Claude (group) | UK colleague knowledge assistant, Global Markets email triage and Claude Code for developers; the announcement does not name the US bank | Rolling out | 2026-10-01 | [Anthropic](https://www.anthropic.com/news/barclays-scales-claude) |
| AWS, Databricks and GitLab (group) | Named in the 20-F as technology partners for data, digital and AI; GitLab tools reach 19,000 developers | In production | 2026-02-10 | [SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm) |
| Microsoft and Harvard Business School Frontier Firms | Barclays recognised as one of the inaugural Frontier Firms, a programme for organisations putting AI at the heart of transformation | Recognition | 2025-11 | [SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm) |
| Visa | Multi-year agreement including US retail issuing; the release names account-to-account payments and agentic commerce as emerging experiences | Announced | 2025-10-29 | [Visa](https://www.visa.co.uk/about-visa/newsroom/press-releases.3413006.html), [PYMNTS](https://www.pymnts.com/partnerships/2025/visa-barclays-expand-partnership-with-agentic-commerce-focus/) |
| FIS Profile core | Cloud-ready deposits core with real-time data streaming; FIS cites AI-powered insights as a benefit | Rolling out | 2026-04-14 | [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/barclays-fis-extend-partnership-supporting-120000205.html) |
| FICO Scam Signal (UK cards) | Real-time telephony data used in card fraud decisions at Barclays Bank, with a forecast 6% cut in card fraud; a UK programme, not the US bank | In production | 2025-07-10 | [Business Wire (FICO)](https://businesswire.com/news/home/20250710543430/en/Barclays-and-FICO-Win-Credit-Award-for-Excellence-in-Fraud-Prevention) |
| Samsung Wallet | Galaxy Card on Visa, provisioned into Samsung Wallet (a payments partnership, not AI) | In production | 2026-07-20 | [PR Newswire (Barclays)](https://prnewswire.com/news-releases/samsung-launches-its-first-credit-card-in-the-us--a-mobile-wallet-experience-that-turns-everyday-spending-into-cash-rewards-302830013.html) |
| US 2024/0037559 A1 | Improvements in fraud detection: a ruleset combining model scores (possibly a neural network) with rules; assigned to Barclays Execution Services Ltd | Published application | 2024-02-01 | [Google Patents (USPTO)](https://patents.google.com/patent/US20240037559A1/en) |
| US 2025/0284579 A1 | Determining risk of changes to a computing environment: predictive-model risk score for change requests; assigned to Barclays Execution Services Ltd | Published application | 2025-09-11 | [Google Patents (USPTO)](https://patents.google.com/patent/US20250284579A1/en) |
| US 2025/0284815 A1 | Managing changes to a computing environment: machine learning on change-request text; assigned to Barclays Execution Services Ltd | Published application | 2025-09-11 | [Google Patents (USPTO)](https://patents.google.com/patent/US20250284815A1/en) |
| Barclays Bank Delaware patent portfolio | Five Google Patents records, newest US 11,424,930 B2 (account information); none concerns AI | Granted | 2022-08-23 | [Google Patents (USPTO)](https://patents.google.com/patent/US11424930B2/en) |

## Flagship platform: GenAI call summarisation under Barclays' group AI programme

Since October 2025 Barclays US Consumer Bank has used generative AI to summarise contact-centre calls, capturing the reason for the call, actions taken and next steps so that the next agent starts with context; more than eight million calls had been summarised by February 2026, with shorter resolution times, fewer repeat calls and better satisfaction scores reported. The tool does not make account decisions or talk to customers. It sits inside Barclays PLC's group strategy for scaling agentic and generative AI, which in markets includes BARXBot, a client-facing gen-AI chatbot for requests for quotes, and in research a new global head of data science and applied AI. Best Egg, acquired for $800 million on 1 May 2026, adds a direct-to-consumer personal-loan origination platform with $11 billion of serviced loans. ([Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/), [American Banker](https://www.americanbanker.com/news/barclays-to-buy-best-egg-for-800m-and-expand-u-s-footprint), [Business Wire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604141058BIZWIRE_USPRX____20260414_BW065778-1))

## Key points

- Production gen-AI at scale: contact-centre call summaries since October 2025, more than eight million by February 2026, with measured gains in resolution time, repeat calls and satisfaction.
- Deliberately non-decisional: the tool does not act on accounts or speak to customers; qualified agents keep those responsibilities.
- Part of a group programme: Barclays PLC's strategy for scaling agentic and generative AI includes a markets chatbot (BARXBot) and a new global head of data science and applied AI in research (April 2026).
- Fraud and agentic commerce: the expanded Visa partnership (October 2025) targets agentic commerce and account-to-account payments.
- Growth beyond cards: Best Egg acquired for $800 million (closed 1 May 2026), adding a personal-loan origination platform servicing $11 billion of loans.
- Scale: more than 25 million customers and 20 partner brands at end-2025 (Barclays 20-F), ~$32 billion of card receivables; Barclays became General Motors' card issuer in 2025, replacing Goldman Sachs under a deal announced in October 2024 (Banking Dive).
- AI is a named US focus area in the parent's 2025 annual report on Form 20-F: 'Investing in digitisation and AI to deliver enhanced customer experiences and operational efficiencies', with 96.2% of interacting customers using digital channels and the US cost-to-income ratio down to 45% from 51% in 2023.
- Group AI risk is disclosed at Barclays PLC level: the 20-F's risk factor on generative and agentic AI and machine learning covers third-party providers and new AI laws, including in certain US states.
- Core modernisation: a multi-year FIS extension (April 2026) moves the $25 billion-plus online deposits business onto the cloud-ready FIS Profile core with real-time data streaming.
- Conversational AI is launching in the US bank's app: on the 10 February 2026 results call the group chief executive said the tool accelerates customer query responses by 95%, and that more than half of US Consumer Bank customer journeys should be digitally personalised by 2028.
- The half-year results are silent on AI: the 28 July 2026 call transcript has no mention of AI, and the interim results announcement uses the term only in its list of forward-looking risks. US Consumer Bank coverage that day was Best Egg, the American Airlines portfolio exit (about $6.5 billion of receivables) and a 39% cost:income ratio.
- Group AI assets are large but not tied to the US bank by name: about 100,000 Microsoft 365 Copilot licences, AI tools for 19,000 developers (early productivity gains of about 15%) and a Barclays AI platform, with AWS, Microsoft, GitLab and Databricks named as technology partners in the 20-F. Finextra reports a group GenAI Centre of Excellence.
- Governance is set in London: a Head of AI/ML Risk, unnamed in the 20-F, reports into the Global Head of Model Risk Management, who reports to the Group Chief Risk Officer; the Board Risk Committee took focused AI updates in 2025, including AI-driven fraud and AI-driven cyber risk.
- No AI patents sit under the US bank's name: Barclays Bank Delaware has five Google Patents records, none on AI. Group AI filings are assigned to Barclays Execution Services Ltd, including a published fraud-detection application (US 2024/0037559 A1) and two machine-learning change-risk applications published in September 2025.
- No US-specific AI executive is named in the public record. Group chief data officer Luke Ashton, in post since 2020, was announced as leaving for the ONS on 7 May 2026; the sources reviewed do not name a successor.

## Timeline

- Oct 1, 2026 — **Group expands Anthropic collaboration** Claude powers a UK colleague knowledge assistant and Global Markets email triage, and Claude Code is expected to reach 50% of developers by end-2026. The announcement does not name the US bank. ([Anthropic](https://www.anthropic.com/news/barclays-scales-claude))
- Jul 28, 2026 — **Half-year results: no AI discussion on the call** The Q2 call transcript contains no mention of AI. The US Consumer Bank reported a 39% cost:income ratio (48% a year earlier), a c.£225m gain on the American Airlines portfolio sale and Best Egg costs of $45 million a month from May. ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/07/28/barclays-bcs-q2-2026-earnings-call-transcript), [Barclays PLC (SEC filing)](https://www.sec.gov/Archives/edgar/data/312069/000165495426006931/a0595o.htm))
- Jul 20, 2026 — **Samsung Galaxy Card: first wallet-native card** Co-brand with Samsung and Visa; Barclays extends its servicing APIs into Samsung's operating system and wallet so cardholders never need the bank's app. ([American Banker](https://www.americanbanker.com/payments/news/samsung-launches-galaxy-credit-card-to-rival-apple-card))
- May 7, 2026 — **US Consumer Bank travel report finds 46% use AI for deals** A Burson survey of 1,002 US adults with a rewards card, published by Barclays US Consumer Bank, finds 46% use AI to find flight and hotel deals and 43% to build itineraries. It measures customers, not the bank's own AI use. ([PR Newswire (Barclays)](https://prnewswire.com/news-releases/barclays-report-finds-travelers-seek-more-control-through-rewards-planning-and-ai-302764792.html))
- May 7, 2026 — **Group chief data officer to leave for the ONS** The Office for National Statistics names Luke Ashton, Barclays Group Chief Data Officer since 2020 and Process Automation Lead from 2024, as its director general for digital, data and technology. ([Office for National Statistics](https://www.ons.gov.uk/news/news/onsannouncesappointmentofnewdirectorgeneralfordigitaldataandtechnology))
- May 1, 2026 — **Best Egg acquisition completed** Barclays Bank Delaware closes the $800 million purchase. ([PR Newswire (Barclays)](https://prnewswire.com/news-releases/barclays-completes-acquisition-of-best-egg-302760261.html))
- Apr 14, 2026 — **Global head of data science and applied AI appointed** Barclays Research hires Sahana Athreya in New York. ([Business Wire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604141058BIZWIRE_USPRX____20260414_BW065778-1))
- Apr 14, 2026 — **FIS core-banking partnership extended** Multi-year deal puts the online deposits business on the cloud-ready FIS Profile core, with real-time data streaming; FIS cites 'AI-powered insights' as part of the modernisation. ([Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/barclays-fis-extend-partnership-supporting-120000205.html))
- Feb 10, 2026 — **20-F sets out AI risk governance** A Head of AI/ML Risk reports into Model Risk Management and chairs cross-functional AI oversight through the Group AI Governance Council; the Board Risk Committee took AI updates covering AI-driven fraud and AI-driven cyber risk. ([SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm))
- Feb 10, 2026 — **20-F names the group AI platform and technology partners** Reports about 100,000 Copilot licences, a Barclays AI platform, AWS, Microsoft, GitLab and Databricks as partners, AI tools for 19,000 developers with early gains of about 15%, and recognition as an inaugural Microsoft and Harvard Business School Frontier Firm in November 2025. ([SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm))
- Feb 10, 2026 — **Results call: conversational AI in the US Consumer Bank app** The group chief executive says a conversational AI tool is launching in the US app and accelerates customer query responses by 95%, that more than half of US Consumer Bank journeys should be digitally personalised by 2028, and that the group has more than 250 AI tools and models in use. ([Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html))
- Feb 10, 2026 — **20-F names AI a US Consumer Bank focus area** Barclays PLC's 2025 annual report lists 'digitisation and AI' among USCB focus areas; 96.2% of interacting customers use digital channels and the cost-to-income ratio fell to 45%. A group risk factor covers generative and agentic AI. ([SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm))
- Feb 5, 2026 — **GenAI call summaries disclosed** Eight million-plus calls summarised since October 2025; no account decisions by AI. Finextra reports a group GenAI Centre of Excellence behind the programme. ([Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/), [Finextra](https://finextra.com/newsarticle/47276/barclays-us-consumer-bank-reports-meaningful-gains-from-call-centre-genai))
- Nov 3, 2025 — **US CMO on the partnership model** 20 million customers and ~$32 billion of receivables; GM card won in 2025, replacing Goldman Sachs, which Banking Dive had reported in October 2024 when the deal was announced. ([Banking Dive](https://www.bankingdive.com/news/6-questions-with-barclays-us-cmo/804511/), [Banking Dive](https://www.bankingdive.com/news/barclays-replaces-goldman-sachs-gm-credit-card-issuer/729751/))
- Oct 29, 2025 — **Visa partnership expanded with agentic-commerce focus** Covers US retail issuing and new payment experiences including agentic commerce. ([PYMNTS](https://www.pymnts.com/partnerships/2025/visa-barclays-expand-partnership-with-agentic-commerce-focus/), [Visa](https://www.visa.co.uk/about-visa/newsroom/press-releases.3413006.html))
- Oct 28, 2025 — **Best Egg acquisition announced for $800 million** Personal-loan platform to complement partnership cards; close expected Q2 2026. ([American Banker](https://www.americanbanker.com/news/barclays-to-buy-best-egg-for-800m-and-expand-u-s-footprint))
- Sep 11, 2025 — **Two machine-learning change-risk applications published** US 2025/0284579 A1 scores the risk of a change request with a predictive model; US 2025/0284815 A1 applies machine learning to the text of change requests. Both are assigned to Barclays Execution Services Ltd. ([Google Patents (USPTO)](https://patents.google.com/patent/US20250284579A1/en), [Google Patents (USPTO)](https://patents.google.com/patent/US20250284815A1/en))
- Jul 1, 2025 — **Craig Bright and Anne Marie Darling become Group Co-COOs** They co-lead technology, operations and Barclays Execution Services, the group service company that holds the group's AI patent filings. ([Barclays](https://home.barclays/news/press-releases/2025/07/barclays-announces-updates-to-group-executive-committee/))
- Jun 9, 2025 — **Microsoft 365 Copilot for 100,000 colleagues** Barclays and Microsoft announce the rollout, integrated into the bank's colleague productivity tool as a single agent, after a 15,000-colleague deployment. The 20-F later reports about 100,000 licences. ([Microsoft](https://ukstories.microsoft.com/features/barclays-rolls-out-microsoft-365-copilot-to-100000-colleagues/), [SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm))
- May 19, 2025 — **Head of data and generative AI platforms hired** Victor Casas Hernandez joined Barclays in London from a consultancy, previously at JPMorgan; the same report names Gaurav Mittal as head of AI/ML engineering for the markets division. ([eFinancialCareers](https://www.efinancialcareers.com/news/ex-jp-morgan-director-takes-top-barclays-gen-ai-role-after-colombian-escapade))
- Feb 1, 2024 — **Fraud-detection patent application published** US 2024/0037559 A1, assigned to Barclays Execution Services Ltd, describes a ruleset that combines fraud-model scores (the model may be a neural network) with rules to reach a fraud decision on a transaction. It is a group filing, not a Barclays Bank Delaware one. ([Google Patents (USPTO)](https://patents.google.com/patent/US20240037559A1/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) | GenAI contact-centre call summarisation | In production | Reason, actions and next steps captured for every call; 8 million-plus summaries. | [Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/) |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | Agentic commerce readiness with Visa | Announced | Expanded agreement targets agent-initiated and account-to-account payments. | [PYMNTS](https://www.pymnts.com/partnerships/2025/visa-barclays-expand-partnership-with-agentic-commerce-focus/) |
| [Credit scoring & underwriting](https://www.bankingnewsai.com/ai-regulation/by-use-case#credit-underwriting) | Best Egg digital personal-loan origination | In production | Direct-to-consumer platform with $40 billion originated since 2013. | [American Banker](https://www.americanbanker.com/news/barclays-to-buy-best-egg-for-800m-and-expand-u-s-footprint) |
| [Model risk management](https://www.bankingnewsai.com/ai-regulation/by-use-case#model-risk) | Group AI and machine-learning risk factor | In production | Barclays PLC's 20-F risk factor on generative and agentic AI and ML covers third-party providers' AI use and evolving AI law in Europe and certain US states. | [SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm) |
| [Third-party & vendor AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#third-party-vendors) | FIS Profile core for online deposits | Rolling out | Cloud-ready core with real-time data streaming to consumer channels; FIS frames the programme as enabling AI-powered insights. | [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/barclays-fis-extend-partnership-supporting-120000205.html) |
| [Trading & capital markets](https://www.bankingnewsai.com/ai-regulation/by-use-case#trading-markets) | Group gen-AI in markets and research | In production | BARXBot for RFQs; applied-AI team embedding alternative data in research. | [Business Wire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604141058BIZWIRE_USPRX____20260414_BW065778-1) |
| [Customer-facing chatbots](https://www.bankingnewsai.com/ai-regulation/by-use-case#customer-chatbots) | Conversational AI tool in the US Consumer Bank app | Rolling out | Launching in the US app; the group chief executive says it accelerates customer query responses by 95% and enables more personalised service. Scope, vendor and guardrails are not disclosed. | [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html) |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | Digital personalisation of customer journeys | Announced | Target of more than half of US Consumer Bank customer journeys digitally personalised by 2028, with AI tools deployed to improve personalisation and ease of use. | [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html) |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | Microsoft 365 Copilot (group) | In production | About 100,000 licences across the bank, announced in June 2025 for 100,000 colleagues; the sources do not say how many sit in the US bank. | [Microsoft](https://ukstories.microsoft.com/features/barclays-rolls-out-microsoft-365-copilot-to-100000-colleagues/), [SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm) |
| [AI-generated code & coding agents](https://www.bankingnewsai.com/ai-regulation/by-use-case#ai-generated-code) | AI tools for developers (group) | In production | 19,000 developers have access to AI tools through the group's GitLab rollout, with early productivity gains of about 15%; a Claude Code target of 50% of developers by end-2026 was announced in October 2026. | [SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm), [Anthropic](https://www.anthropic.com/news/barclays-scales-claude) |
| [Model risk management](https://www.bankingnewsai.com/ai-regulation/by-use-case#model-risk) | Head of AI/ML Risk and Group AI Governance Council | In production | The AI Policy and AI Standard are overseen by a Head of AI/ML Risk reporting into Model Risk Management; the council gives cross-functional oversight and the Head sets AI risk appetite and reports to group and local-entity board risk committees. | [SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm) |
| [Cybersecurity](https://www.bankingnewsai.com/ai-regulation/by-use-case#cybersecurity) | Agentic AI attack-surface risk | In production | The 20-F says agentic AI with access to systems, data and third-party tools creates an expanded attack surface; the Board Risk Committee received an update on AI-driven cybersecurity risks. | [SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm) |

## Disclosed numbers

| Measure | Value | As of | Sources |
| --- | --- | --- | --- |
| Calls summarised by GenAI since October 2025 | > 8 million | Feb 5, 2026 | [Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/) |
| US card customers / receivables | ≈ 20 million / ≈ $32 billion | Nov 3, 2025 | [Banking Dive](https://www.bankingdive.com/news/6-questions-with-barclays-us-cmo/804511/) |
| Best Egg acquisition | $800 million; $11 billion serviced portfolio | May 1, 2026 | [American Banker](https://www.americanbanker.com/news/barclays-to-buy-best-egg-for-800m-and-expand-u-s-footprint) |
| USCB customers / partner brands | > 25 million / 20 | Dec 31, 2025 | [SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm) |
| Interacting customers using digital channels | 96.2% | Dec 31, 2025 | [SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm) |
| USCB cost-to-income ratio | 45% (2025), from 49% (2024) and 51% (2023) | Dec 31, 2025 | [SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm) |
| Online deposits | > $25 billion | Apr 14, 2026 | [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/barclays-fis-extend-partnership-supporting-120000205.html) |
| Personal loans facilitated by Best Egg since 2013 | > $40 billion | Oct 28, 2025 | [American Banker](https://www.americanbanker.com/news/barclays-to-buy-best-egg-for-800m-and-expand-u-s-footprint) |
| Microsoft 365 Copilot licences across the group | c.100,000 | Dec 31, 2025 | [SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm) |
| AI tools and models in use across the group | More than 250 | Feb 10, 2026 | [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html) |
| Query-response speed-up from the US app's conversational AI tool | 95% faster (chief executive's figure at launch) | Feb 10, 2026 | [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html) |
| Target share of US Consumer Bank customer journeys digitally personalised by 2028 | More than half | Feb 10, 2026 | [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html) |
| Developers with AI tools (group) | 19,000; early productivity gains of c.15% | Dec 31, 2025 | [SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm) |
| Group gross efficiency savings | c.£350 million in H1 2026; c.£2 billion targeted over the next three years | Jul 28, 2026 | [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/07/28/barclays-bcs-q2-2026-earnings-call-transcript), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html) |
| US Consumer Bank cost:income ratio, first half | 39% (H1 2025: 48%), including a c.£225m American Airlines gain on sale | Jun 30, 2026 | [Barclays PLC (SEC filing)](https://www.sec.gov/Archives/edgar/data/312069/000165495426006931/a0595o.htm) |
| US Consumer Bank end net receivables (reported) | $29.7 billion (30 June 2025: $32.9 billion) | Jun 30, 2026 | [Barclays PLC (SEC filing)](https://www.sec.gov/Archives/edgar/data/312069/000165495426006931/a0595o.htm) |
| Rewards-card holders using AI to find travel deals (Burson survey, n=1,002) | 46% | May 7, 2026 | [PR Newswire (Barclays)](https://prnewswire.com/news-releases/barclays-report-finds-travelers-seek-more-control-through-rewards-planning-and-ai-302764792.html) |

## Quotes

> "We continue to measure the benefits from shorter call resolution times, fewer repeat calls and improved customer satisfaction scores." — Tony Castañon, Chief Operating Officer, Barclays US Consumer Bank, Feb 5, 2026 ([Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/))

> "We recognize how powerful AI can be for our customer facing teams." — Tony Castañon, Chief Operating Officer, Barclays US Consumer Bank, Feb 5, 2026 ([Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/))

> "This acquisition aligns with our strategy by expanding our personal lending capabilities and supporting the development of a more diversified, digitally-focused consumer bank." — Denny Nealon, CEO, Barclays US Consumer Bank, May 1, 2026 ([PR Newswire (Barclays)](https://prnewswire.com/news-releases/barclays-completes-acquisition-of-best-egg-302760261.html))

> "We're very much focused on the digital ecosystem experience, and then our partners help develop the experiential side." — Lili Tomovich, Chief Marketing and Experience Officer, Nov 3, 2025 ([Banking Dive](https://www.bankingdive.com/news/6-questions-with-barclays-us-cmo/804511/))

> "In the U.S. Consumer Bank, we are launching a conversational AI tool in our app. This accelerates customer query responses by 95% and enables more personalized service." — C.S. Venkatakrishnan, Group Chief Executive, Feb 10, 2026 ([Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html))

> "By 2028, we expect more than half of our customer journeys in the U.S. Consumer Bank to be digitally personalized." — C.S. Venkatakrishnan, Group Chief Executive, Feb 10, 2026 ([Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html))

> "Our U.S. consumer bank is entirely digital with over 25 million customers and not a single branch." — C.S. Venkatakrishnan, Group Chief Executive, Jul 28, 2026 ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/07/28/barclays-bcs-q2-2026-earnings-call-transcript))

> "Our roll-out of Copilot, integrated with our colleague productivity tool, is a significant step forward in simplifying the way we work, making it easier to get things done." — Craig Bright, Group Co-Chief Operating Officer (then Group Chief Information Officer), Jun 9, 2025 ([Microsoft](https://ukstories.microsoft.com/features/barclays-rolls-out-microsoft-365-copilot-to-100000-colleagues/))

> "As we expand our deposits business and bring new products to market, we have invested in digital capabilities and are simplifying our processes to create a better customer experience." — James Capolongo, Head of Banking, Barclays US Consumer Bank, Apr 14, 2026 ([Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/barclays-fis-extend-partnership-supporting-120000205.html))

## Who runs AI

- **Denny Nealon** — CEO, Barclays US Consumer Bank ([LinkedIn](https://www.linkedin.com/in/denny-nealon-763663b/)) ([American Banker](https://www.americanbanker.com/news/barclays-to-buy-best-egg-for-800m-and-expand-u-s-footprint), [PR Newswire (Barclays)](https://prnewswire.com/news-releases/barclays-completes-acquisition-of-best-egg-302760261.html))
- **Tony Castañon** — Chief Operating Officer, Barclays US Consumer Bank (until mid-2026) ([Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/))
- **James Capolongo** — Head of Banking, Barclays US Consumer Bank (deposits and core-platform modernisation) ([Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/barclays-fis-extend-partnership-supporting-120000205.html))
- **Lili Tomovich** — Chief Marketing and Experience Officer ([LinkedIn](https://www.linkedin.com/in/ltomovich/)) ([Banking Dive](https://www.bankingdive.com/news/6-questions-with-barclays-us-cmo/804511/))
- **Sahana Athreya** — Global Head of Data Science and Applied AI, Barclays Research (group) ([LinkedIn](https://www.linkedin.com/in/sahana-athreya/)) ([Business Wire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604141058BIZWIRE_USPRX____20260414_BW065778-1))
- **Craig Bright** — Group Co-Chief Operating Officer and Barclays Execution Services Co-CEO since July 2025; Group Chief Information Officer from 2020 (technology, data and AI platforms) ([Barclays](https://home.barclays/news/press-releases/2025/07/barclays-announces-updates-to-group-executive-committee/), [Microsoft](https://ukstories.microsoft.com/features/barclays-rolls-out-microsoft-365-copilot-to-100000-colleagues/), [Anthropic](https://www.anthropic.com/news/barclays-scales-claude))
- **Anne Marie Darling** — Group Co-Chief Operating Officer and Barclays Execution Services Co-CEO since July 2025; joined from Goldman Sachs in April 2025 ([Barclays](https://home.barclays/news/press-releases/2025/07/barclays-announces-updates-to-group-executive-committee/), [Anthropic](https://www.anthropic.com/news/barclays-scales-claude))
- **Luke Ashton** — Group Chief Data Officer since 2020 and Process Automation Lead from 2024; announced as leaving for the Office for National Statistics in May 2026 ([Office for National Statistics](https://www.ons.gov.uk/news/news/onsannouncesappointmentofnewdirectorgeneralfordigitaldataandtechnology))
- **Victor Casas Hernandez** — Head of Data and Generative AI Platforms, Barclays (joined May 2025; formerly global head of data science, machine learning and AI for JPMorgan's technology infrastructure team) ([eFinancialCareers](https://www.efinancialcareers.com/news/ex-jp-morgan-director-takes-top-barclays-gen-ai-role-after-colombian-escapade))
- **Gaurav Mittal** — Head of AI/ML Engineering, Barclays markets division (as of May 2025) ([eFinancialCareers](https://www.efinancialcareers.com/news/ex-jp-morgan-director-takes-top-barclays-gen-ai-role-after-colombian-escapade))
- **Doug Villone** — Head of US Cards and Partnerships, Barclays US Consumer Bank (co-brand programmes including the Samsung Galaxy Card) ([PR Newswire (Barclays)](https://prnewswire.com/news-releases/barclays-report-finds-travelers-seek-more-control-through-rewards-planning-and-ai-302764792.html))
- **Brad Rogoff** — Global Head of Research, Barclays (oversees the Data Science and Applied AI team) ([Business Wire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604141058BIZWIRE_USPRX____20260414_BW065778-1))
- **Paul Ricci** — Chief Executive Officer, Best Egg (digital personal-loan platform acquired 1 May 2026) ([PR Newswire (Barclays)](https://prnewswire.com/news-releases/barclays-to-acquire-leading-us-personal-loan-originator-best-egg-302595886.html), [PR Newswire (Barclays)](https://prnewswire.com/news-releases/barclays-completes-acquisition-of-best-egg-302760261.html))

## Open AI roles

Data as of Oct 25, 2026 (2026-10-25) · read from the bank's own careers site, re-checked weekly.

9 open AI-related postings on [the careers site](https://barclays.wd3.myworkdayjobs.com/en-US/External_Career_Site_Barclays) as of Oct 25, 2026. A snapshot of current openings, not a source: postings close.

- [Director, Principal Engineer - Applied AI](https://barclays.wd3.myworkdayjobs.com/en-US/External_Career_Site_Barclays/job/Pune-Gera-Commerzone-SEZ/Principal-Engineer---Advanced-Technologies_JR-0000087522) — Pune Gera Commerzone SEZ (+1 more)
- [Liquid Financing Data/AI Engineer – VP](https://barclays.wd3.myworkdayjobs.com/en-US/External_Career_Site_Barclays/job/New-York-745-7th-Avenue/Liquid-Financing-Data-AI-Engineer---VP_JR-0000128970-1) — New York, 745 7th Avenue
- [Principal Forward Deployed Data Scientist](https://barclays.wd3.myworkdayjobs.com/en-US/External_Career_Site_Barclays/job/Building-300-Whippany-Campus-Jefferson-Park/Principal-Forward-Deployed-Data-Scientist_JR-0000136246) — Building 300 Whippany Campus Jefferson Park (+1 more) — posted Oct 22, 2026
- [Lead Engineer - AI Platform](https://barclays.wd3.myworkdayjobs.com/en-US/External_Career_Site_Barclays/job/Bengaluru-Maruthi-Onyx---TESCO-TSA/Lead-Engineer---Applied-AI_JR-0000103428-2) — Bengaluru Maruthi Onyx TESCO TSA (+1 more)
- [GEN AI Architect](https://barclays.wd3.myworkdayjobs.com/en-US/External_Career_Site_Barclays/job/Knutsford-Radbroke-Hall/GEN-AI-Architect_JR-0000108423) — Knutsford Radbroke Hall (+2 more) — posted Oct 21, 2026
- [Product Owner - AI Products](https://barclays.wd3.myworkdayjobs.com/en-US/External_Career_Site_Barclays/job/Canary-Wharf-1-Churchill-Place/AI-Product-Manager_JR-0000114860) — Canary Wharf 1 Churchill Place (+2 more) — posted Oct 23, 2026
- [AI Platform Engineer](https://barclays.wd3.myworkdayjobs.com/en-US/External_Career_Site_Barclays/job/Knutsford-Radbroke-Hall/Senior-Software-Engineer_JR-0000082428) — Knutsford Radbroke Hall (+1 more) — posted Oct 19, 2026
- [AI Software Engineer](https://barclays.wd3.myworkdayjobs.com/en-US/External_Career_Site_Barclays/job/Knutsford-Radbroke-Hall/AI-Software-Engineer_JR-0000108383) — Knutsford Radbroke Hall (+2 more)
- [Fraud Analytics - Data Scientist](https://barclays.wd3.myworkdayjobs.com/en-US/External_Career_Site_Barclays/job/Northampton-Barclays-Campus-Pavilion-Drive/Fraud-Analytics---Data-Scientist_JR-0000125725) — Northampton Barclays Campus Pavilion Drive (+1 more) — posted Oct 23, 2026

## Which AI vendors and fintechs does Barclays US work with?

| Company | What Barclays US uses it for | Status | Category |
| --- | --- | --- | --- |
| [Claude (Anthropic)](https://www.bankingnewsai.com/vendors/anthropic-claude) | Group-wide expansion of Barclays' Anthropic collaboration: a UK colleague knowledge assistant live since 2025, Claude models triaging about 120,000 Global Markets client emails a day, and a target for Claude Code to reach 50% of developers by end-2026; Barclays' own disclosure does not confirm scope for the US bank. | Rolling out | [Enterprise AI assistants](https://www.bankingnewsai.com/ai-tools/enterprise-ai-assistants) |
| [Visa](https://www.bankingnewsai.com/fintech/visa) | Expanded Visa partnership for US retail issuing, including agentic commerce | Announced | Fintech · Card network |

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

- [FDIC](https://www.bankingnewsai.com/ai-regulation/fdic) — Barclays Bank Delaware is a state nonmember bank; the FDIC is its primary federal supervisor for AI in servicing and fraud. See [FDIC FIL-29-2023](https://www.bankingnewsai.com/ai-regulation/documents/fdic-fil-29-2023).
- [CFPB](https://www.bankingnewsai.com/ai-regulation/cfpb) — Card servicing, personal lending through Best Egg and any future customer-facing AI fall under the chatbot circular, ECOA and credit-card rules. 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).
- [Federal Reserve](https://www.bankingnewsai.com/ai-regulation/federal-reserve) — Barclays' US intermediate holding company is Fed-supervised; group AI governance flows through it. 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).
- [UK (BoE / PRA / FCA)](https://www.bankingnewsai.com/ai-regulation/uk) — Group AI strategy and model risk are set in London under the PRA's model-risk principles and the UK regulators' AI surveys. See [PRA SS1/23](https://www.bankingnewsai.com/ai-regulation/documents/pra-ss1-23-model-risk-management), [2026 BoE/FCA AI survey](https://www.bankingnewsai.com/ai-regulation/documents/uk-ai-in-financial-services-survey-2026).

## What the record suggests

### Call summarisation is the safe first agentic step

Eight million summaries with no decision authority is the template other card issuers will copy; the measured metrics make it auditable.

### Best Egg brings model-driven credit into scope

A digital personal-loan platform runs on underwriting models; expect ECOA adverse-action and fair-lending questions to move from cards to loans.

### Agentic commerce makes the issuer the gatekeeper

As shopping agents transact on cards, the issuer's fraud signals and Visa's agent rails decide which bots are customers; publish the policy.

### US AI spend is undisclosed

Group-level AI investment is reported in London; a US breakdown would help FDIC and CFPB examiners size the programme.

## FAQ

### How does Barclays US Consumer Bank use generative AI?

Since October 2025 it has used generative AI to summarise contact-centre calls, recording the reason for the call, the actions taken and next steps so agents have context. More than eight million calls had been summarised by February 2026. The tool does not make decisions about customer accounts or interact with customers directly.

### What is Barclays Bank Delaware?

Barclays Bank Delaware, operating as Barclays US Consumer Bank, is the Wilmington-based US consumer banking subsidiary of Barclays PLC. It issues co-brand credit cards for partners such as JetBlue, Wyndham, Carnival and General Motors, takes online deposits, and since 1 May 2026 owns Best Egg, a personal-loan origination platform.

### Who leads AI at Barclays US Consumer Bank?

No single AI head is named for the US bank. Denny Nealon is chief executive of Barclays US Consumer Bank, and chief operating officer Tony Castañon fronted the GenAI call-summary programme in February 2026. Group direction sits in London with Craig Bright and Anne Marie Darling, Group Co-Chief Operating Officers since July 2025. Barclays Research hired Sahana Athreya as global head of data science and applied AI in April 2026, and group chief data officer Luke Ashton was announced as leaving for the ONS in May 2026. A Head of AI/ML Risk, unnamed in the 20-F, reports into model risk.

### Does Barclays US Consumer Bank use Microsoft Copilot, Claude or other AI platforms?

Barclays does not say which platforms the US bank uses. At group level it reports about 100,000 Microsoft 365 Copilot licences, AI tools for 19,000 developers with early productivity gains of about 15%, and named technology partners AWS, Microsoft, GitLab and Databricks. An expanded Anthropic collaboration announced on 1 October 2026 covers UK knowledge search, Global Markets email triage and Claude Code, and does not name the US bank. The US bank's disclosed AI uses are the GenAI call summariser and a conversational tool in its app.

### Has Barclays US Consumer Bank filed AI patents?

Not under its own name. Barclays Bank Delaware has five Google Patents records, the newest granted on 23 August 2022 for account information, and none concerns AI. Group AI filings sit with Barclays Execution Services Ltd: US 2024/0037559 A1, published on 1 February 2024, combines fraud-model scores, which may come from a neural network, with rules to decide whether a transaction is fraud, and two applications published on 11 September 2025 (US 2025/0284579 A1 and US 2025/0284815 A1) use machine learning on computing-environment change requests. No source says the US bank uses them.

## Sources (28)

1. Samsung launches Galaxy credit card to rival Apple Card — American Banker, Jul 20, 2026. https://www.americanbanker.com/payments/news/samsung-launches-galaxy-credit-card-to-rival-apple-card
2. Barclays to buy Best Egg for $800M and expand U.S. footprint — American Banker, Oct 28, 2025. https://www.americanbanker.com/news/barclays-to-buy-best-egg-for-800m-and-expand-u-s-footprint
3. Barclays PLC Annual Report 2025 on Form 20-F — SEC (Barclays PLC 20-F), Feb 10, 2026. https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm
4. Barclays Completes Acquisition of Best Egg — PR Newswire (Barclays), May 1, 2026. https://prnewswire.com/news-releases/barclays-completes-acquisition-of-best-egg-302760261.html
5. Barclays and FIS Extend Partnership Supporting Bank's Online Deposits Growth — Business Wire via Yahoo Finance, Apr 14, 2026. https://finance.yahoo.com/markets/stocks/articles/barclays-fis-extend-partnership-supporting-120000205.html
6. 6 questions with Barclays' US CMO — Banking Dive, Nov 3, 2025. https://www.bankingdive.com/news/6-questions-with-barclays-us-cmo/804511/
7. Barclays harnesses GenAI to deliver world-class customer service — Barclays, Feb 5, 2026. https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/
8. Barclays Research Appoints Sahana Athreya as Global Head of Data Science & Applied AI — Business Wire via FT Markets, Apr 14, 2026. https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604141058BIZWIRE_USPRX____20260414_BW065778-1
9. Visa and Barclays Expand Partnership With Agentic Commerce Focus — PYMNTS, Oct 29, 2025. https://www.pymnts.com/partnerships/2025/visa-barclays-expand-partnership-with-agentic-commerce-focus/
10. Barclays to roll out Microsoft 365 Copilot to 100,000 colleagues, transforming employee experience — Microsoft, Jun 9, 2025. https://ukstories.microsoft.com/features/barclays-rolls-out-microsoft-365-copilot-to-100000-colleagues/
11. Barclays announces updates to Group Executive Committee — Barclays, Jul 1, 2025. https://home.barclays/news/press-releases/2025/07/barclays-announces-updates-to-group-executive-committee/
12. Ex-JPMorgan director takes top Barclays Gen AI role after Colombian escapade — eFinancialCareers, May 19, 2025. https://www.efinancialcareers.com/news/ex-jp-morgan-director-takes-top-barclays-gen-ai-role-after-colombian-escapade
13. Barclays and FICO Win Credit Award for Excellence in Fraud Prevention — Business Wire (FICO), Jul 10, 2025. https://businesswire.com/news/home/20250710543430/en/Barclays-and-FICO-Win-Credit-Award-for-Excellence-in-Fraud-Prevention
14. Barclays and Visa Extend Partnership to Bring Customers Next Gen Payment Experiences and Shape the Future of Payments — Visa, Oct 29, 2025. https://www.visa.co.uk/about-visa/newsroom/press-releases.3413006.html
15. Barclays to Acquire Leading U.S. Personal Loan Originator Best Egg — PR Newswire (Barclays), Oct 28, 2025. https://prnewswire.com/news-releases/barclays-to-acquire-leading-us-personal-loan-originator-best-egg-302595886.html
16. BARCLAYS PLC ORD 25P (BARC.L) Q4 FY2025 earnings call transcript — Yahoo Finance (Quartr), Feb 10, 2026. https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html
17. Barclays US Consumer Bank reports meaningful gains from call centre GenAI — Finextra, Feb 11, 2026. https://finextra.com/newsarticle/47276/barclays-us-consumer-bank-reports-meaningful-gains-from-call-centre-genai
18. Barclays Report Finds Travelers Seek More Control Through Rewards, Planning, and AI — PR Newswire (Barclays), May 7, 2026. https://prnewswire.com/news-releases/barclays-report-finds-travelers-seek-more-control-through-rewards-planning-and-ai-302764792.html
19. ONS announces appointment of new Director General for Digital, Data and Technology — Office for National Statistics, May 7, 2026. https://www.ons.gov.uk/news/news/onsannouncesappointmentofnewdirectorgeneralfordigitaldataandtechnology
20. Samsung launches its first credit card in the U.S. — PR Newswire (Barclays), Jul 20, 2026. https://prnewswire.com/news-releases/samsung-launches-its-first-credit-card-in-the-us--a-mobile-wallet-experience-that-turns-everyday-spending-into-cash-rewards-302830013.html
21. Barclays (BCS) Q2 2026 Earnings Call Transcript — earnings call transcript (The Motley Fool), Jul 28, 2026. https://fool.com/earnings/call-transcripts/2026/07/28/barclays-bcs-q2-2026-earnings-call-transcript
22. Barclays PLC Interim Results Announcement 30 June 2026 (Form 6-K) — Barclays PLC (SEC filing), Jul 28, 2026. https://www.sec.gov/Archives/edgar/data/312069/000165495426006931/a0595o.htm
23. Barclays scales Claude to upgrade operations and improve client experience — Anthropic, Oct 1, 2026. https://www.anthropic.com/news/barclays-scales-claude
24. US 2024/0037559 A1: Improvements in fraud detection (Barclays Execution Services Ltd) — Google Patents (USPTO), Feb 1, 2024. https://patents.google.com/patent/US20240037559A1/en
25. US 2025/0284579 A1: Determining risk of changes to a computing environment (Barclays Execution Services Ltd) — Google Patents (USPTO), Sep 11, 2025. https://patents.google.com/patent/US20250284579A1/en
26. US 2025/0284815 A1: Managing changes to a computing environment (Barclays Execution Services Ltd) — Google Patents (USPTO), Sep 11, 2025. https://patents.google.com/patent/US20250284815A1/en
27. US 11,424,930 B2: Systems and methods for providing account information (Barclays Bank Delaware) — Google Patents (USPTO), Aug 23, 2022. https://patents.google.com/patent/US11424930B2/en
28. Barclays replaces Goldman Sachs as GM card issuer — Banking Dive, Oct 14, 2024. https://www.bankingdive.com/news/barclays-replaces-goldman-sachs-gm-credit-card-issuer/729751/

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