# Barclays US Consumer Bank vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/barclays-us/vs-peers
Last updated: Oct 20, 2026

*Part of the [Barclays US Consumer Bank AI strategy profile](https://www.bankingnewsai.com/banks/barclays-us). Peer group: Synchrony Financial, Bread Financial Holdings, Capital One, American Express, Citigroup, Goldman Sachs, Ally Financial, SoFi Technologies.*

## How does Barclays US Consumer Bank compare with its peers on AI and technology?

On this site's AI disclosure index Barclays US Consumer Bank scores 55.5 (#51 of 120 US banks), eighth in a nine-bank group of card issuers and direct banks, ahead only of Bread Financial (50.5) and far behind Citigroup (94.9), American Express (93.1) and Capital One (86.9). Its record is narrow but concrete. Since October 2025 it has used generative AI to summarise every contact-centre call, more than 8 million by February 5, 2026, without letting the tool act on accounts or speak to customers. Bread Financial says it now reviews 100% of customer calls with AI, against a 2% to 3% sample before (September 2025). On February 10, 2026 the Barclays group chief executive said a conversational AI tool launching in the US app answers customer queries 95% faster. Where Barclays US trails is everything that sits at group level in London: the 100,000 Microsoft 365 Copilot licences, AI tools for 19,000 developers and the October 2026 Anthropic expansion are not broken out for the US bank, and no US-specific AI executive is named. Its card peers disclose more of their own: Synchrony says nearly 100% of its professional workforce has used AI tools since 2024 (August 2026), Citi reports 80%+ of colleagues using AI tools (April 2026) and Amex launched its Agentic Commerce Experiences developer kit in April 2026. Barclays' own agentic-commerce step is an expanded Visa partnership (October 2025). ([Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/), [Investing.com](https://investing.com/news/transcripts/bread-financial-at-barclays-conference-strategic-moves-and-market-insights-93CH-4231903), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html), [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), [Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [Citigroup](https://www.citigroup.com/rcs/citigpa/storage/public/Earnings/Q12026/2026psqtr1rslt.pdf), [American Express](https://www.americanexpress.com/en-us/newsroom/articles/innovation/american-express-debuts-agentic-commerce-experiences--ace--devel.html), [PYMNTS](https://www.pymnts.com/partnerships/2025/visa-barclays-expand-partnership-with-agentic-commerce-focus/))

## Where does Barclays US lead its peers on AI?

- **More disclosed AI numbers than most of the group.** Barclays US places 2nd of nine on disclosed numbers (17, against a median of 16): 8 million-plus GenAI call summaries (February 2026), a 95% faster query response from the US app's conversational AI (February 2026), 96.2% of interacting customers on digital channels and a 45% cost-to-income ratio for 2025. ([Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html), [SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm))
- **Generative AI in the contact centre at full scale.** Barclays US summarises every contact-centre interaction with GenAI, more than 8 million calls in four months to February 2026. Bread Financial, its closest peer by size, reports reviewing 100% of calls with AI (September 2025) but no summary count; Amex's travel assistant serves 5,000 counselors (April 2025). ([Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/), [Investing.com](https://investing.com/news/transcripts/bread-financial-at-barclays-conference-strategic-moves-and-market-insights-93CH-4231903), [VentureBeat](https://venturebeat.com/ai/how-amex-uses-ai-to-increase-efficiency-40-fewer-it-escalations-85-travel-assistance-boost))
- **A wallet-native co-brand card with Samsung.** In July 2026 Barclays and Samsung launched the Galaxy credit card, with Barclays extending its servicing APIs into Samsung's operating system and wallet so cardholders need not open the bank's app; American Banker framed it as a rival to Apple Card, issued by Goldman Sachs. ([American Banker](https://www.americanbanker.com/payments/news/samsung-launches-galaxy-credit-card-to-rival-apple-card), [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))

## Where does Barclays US trail its peers on AI?

- **Least independent coverage in the group.** Barclays US scores 9 on independent sources, 9th of nine against a median of 23; Citigroup scores 42 and Goldman Sachs 39. Most of its AI record comes from group press releases, the Barclays PLC 20-F and the group's results calls rather than reporting on the US bank. ([Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/), [SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html))
- **Employee AI is reported for the group, not the US bank.** Barclays reports about 100,000 Copilot licences and AI tools for 19,000 developers group-wide but does not say how many sit in Wilmington. US peers count their own: Synchrony says nearly 100% of its professional workforce uses AI tools, Goldman Sachs gave GS AI Assistant to all 46,000 employees and Ally gave Ally.ai to 10,000-plus. ([SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm), [Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [American Banker](https://www.americanbanker.com/news/goldman-sachs-staff-now-write-a-million-gen-ai-prompts-a-month), [Ally Financial](https://media.ally.com/2025-07-23-Ally-Financial-rolls-out-proprietary-AI-platform-enterprise-wide))
- **No named US AI leader.** The public record names no AI executive at the US bank; the group chief data officer, Luke Ashton, was announced in May 2026 as leaving for the Office for National Statistics. Synchrony names a chief AI officer, Nimrod Barak, and says nearly all of its professional workforce has used AI tools since 2024. ([Office for National Statistics](https://www.ons.gov.uk/news/news/onsannouncesappointmentofnewdirectorgeneralfordigitaldataandtechnology), [Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html))
- **Agentic commerce: a partnership, not a product.** Barclays' agentic-commerce step is the October 2025 Visa partnership expansion. American Express launched an Agentic Commerce Experiences developer kit and protection for purchases by registered agents in April 2026, and Bread Financial joined the Agentic AI Foundation in August 2026. ([PYMNTS](https://www.pymnts.com/partnerships/2025/visa-barclays-expand-partnership-with-agentic-commerce-focus/), [American Express](https://www.americanexpress.com/en-us/newsroom/articles/innovation/american-express-debuts-agentic-commerce-experiences--ace--devel.html), [PR Newswire via Morningstar](https://www.morningstar.com/news/pr-newswire/20260812dc25298/agentic-ai-foundation-welcomes-57-new-members-gaining-major-financial-services-players-and-apac-leaders))

## Where does Barclays US 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Citigroup](https://www.bankingnewsai.com/banks/citigroup) | [94.9](https://www.bankingnewsai.com/banks/ai-index) | #2 of 120 | [42](https://www.bankingnewsai.com/banks/citigroup#sources) | [19](https://www.bankingnewsai.com/banks/citigroup#sources) | [15 of 20](https://www.bankingnewsai.com/banks/citigroup#where) | [34](https://www.bankingnewsai.com/banks/citigroup#timeline) | Citi Stylus Workspaces ([The Wall Street Journal](https://www.wsj.com/cio-journal/the-ai-superfans-companies-count-on-to-convert-the-skeptics-5b301a90), [Citigroup](https://www.citigroup.com/rcs/citigpa/storage/public/Earnings/Q12026/2026psqtr1rslt.pdf)) |
| [American Express](https://www.bankingnewsai.com/banks/american-express) | [93.1](https://www.bankingnewsai.com/banks/ai-index) | #3 of 120 | [30](https://www.bankingnewsai.com/banks/american-express#sources) | [28](https://www.bankingnewsai.com/banks/american-express#sources) | [13 of 24](https://www.bankingnewsai.com/banks/american-express#where) | [32](https://www.bankingnewsai.com/banks/american-express#timeline) | Agentic Commerce Experiences (ACE) and Amex Agent Purchase Protection ([American Express](https://www.americanexpress.com/en-us/newsroom/articles/innovation/american-express-debuts-agentic-commerce-experiences--ace--devel.html), [American Express via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604160915BIZWIRE_USPRX____20260415_BW433431-1), [American Banker](https://www.americanbanker.com/payments/news/amex-introduces-agentic-commerce-developers-kit)) |
| [Capital One](https://www.bankingnewsai.com/banks/capital-one) | [86.9](https://www.bankingnewsai.com/banks/ai-index) | #9 of 120 | [25](https://www.bankingnewsai.com/banks/capital-one#sources) | [45](https://www.bankingnewsai.com/banks/capital-one#sources) | [13 of 13](https://www.bankingnewsai.com/banks/capital-one#where) | [25](https://www.bankingnewsai.com/banks/capital-one#timeline) | Chat Concierge and the in-house agent stack ([Capital One](https://www.capitalone.com/tech/ai/future-of-ai-car-dealerships-shopping), [Capital One](https://www.capitalone.com/tech/ai/applied-ai-research), [American Banker](https://www.americanbanker.com/news/goldman-sachs-capital-one-prep-for-self-driving-ai-agents)) |
| [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)) |
| [Goldman Sachs](https://www.bankingnewsai.com/banks/goldman-sachs) | [79.9](https://www.bankingnewsai.com/banks/ai-index) | #22 of 120 | [39](https://www.bankingnewsai.com/banks/goldman-sachs#sources) | [15](https://www.bankingnewsai.com/banks/goldman-sachs#sources) | [7 of 13](https://www.bankingnewsai.com/banks/goldman-sachs#where) | [28](https://www.bankingnewsai.com/banks/goldman-sachs#timeline) | GS AI Platform and GS AI Assistant ([American Banker](https://www.americanbanker.com/news/goldman-sachs-staff-now-write-a-million-gen-ai-prompts-a-month), [American Banker](https://www.americanbanker.com/news/goldman-sachs-marco-argenti-is-3-on-the-most-innovative-people-in-finance)) |
| [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)) |
| [Synchrony Financial](https://www.bankingnewsai.com/banks/synchrony) | [68.8](https://www.bankingnewsai.com/banks/ai-index) | #35 of 120 | [12](https://www.bankingnewsai.com/banks/synchrony#sources) | [15](https://www.bankingnewsai.com/banks/synchrony#sources) | [10 of 15](https://www.bankingnewsai.com/banks/synchrony#where) | [20](https://www.bankingnewsai.com/banks/synchrony#timeline) | Synchrony GPT and the ChatGPT Enterprise rollout ([Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [Synchrony (PR Newswire)](https://investors.synchrony.com/news-events/financial-news/detail/586/synchrony-announces-enterprise-collaboration-with-openai-to-power-the-next-era-of-agentic-commerce), [American Banker](https://americanbanker.com/news/synchronys-carol-juel-is-29-on-the-most-innovative-people-in-finance-ranking)) |
| [Barclays US Consumer Bank (this page)](https://www.bankingnewsai.com/banks/barclays-us) | [55.5](https://www.bankingnewsai.com/banks/ai-index) | #51 of 120 | [10](https://www.bankingnewsai.com/banks/barclays-us#sources) | [11](https://www.bankingnewsai.com/banks/barclays-us#sources) | [8 of 12](https://www.bankingnewsai.com/banks/barclays-us#where) | [16](https://www.bankingnewsai.com/banks/barclays-us#timeline) | GenAI call summarisation under Barclays' group AI programme ([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)) |
| [Bread Financial Holdings](https://www.bankingnewsai.com/banks/bread-financial) | [50.5](https://www.bankingnewsai.com/banks/ai-index) | #57 of 120 | [10](https://www.bankingnewsai.com/banks/bread-financial#sources) | [12](https://www.bankingnewsai.com/banks/bread-financial#sources) | [10 of 12](https://www.bankingnewsai.com/banks/bread-financial#where) | [12](https://www.bankingnewsai.com/banks/bread-financial#timeline) | In-house agentic AI platform and AI knowledge-management tool ([Fortune](https://fortune.com/2026/04/08/amid-the-saaspocalypse-cios-and-ctos-take-a-harder-line-with-their-vendors), [Bread Financial Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1101215/000110121526000016/bfh-20251231.htm)) |

## On which parts of the AI record is Barclays US ahead of or behind its peers?

Each row is one input of the index, counted on the profiles of Barclays US and the 8 peers that are scored on the same basis. "Place" is Barclays US's position in the group of 9 (1st = most).

| Component (weight) | Barclays US | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 10 | 23.5 | [Citi (42)](https://www.bankingnewsai.com/banks/citigroup) | 8th of 9 |
| Use cases in production (10%) | 8 | 11.5 | [Citi (15)](https://www.bankingnewsai.com/banks/citigroup) | 8th of 9 |
| Own primary disclosures (10%) | 11 | 17.5 | [Capital One (45)](https://www.bankingnewsai.com/banks/capital-one) | 9th of 9 |
| Dated moves, last 12 months (10%) | 16 | 26.5 | [Citi (34)](https://www.bankingnewsai.com/banks/citigroup) | 8th of 9 |
| Disclosed numbers (5%) | 17 | 16 | [Citi (19)](https://www.bankingnewsai.com/banks/citigroup) | 2nd of 9 |
| Named AI leaders (5%) | 13 | 10.5 | [Citi (18)](https://www.bankingnewsai.com/banks/citigroup) | 4th of 9 |
| Use cases described (5%) | 12 | 14 | [Amex (24)](https://www.bankingnewsai.com/banks/american-express) | 8th of 9 |

## What has each bank in Barclays US'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 |
| --- | --- | --- | --- | --- | --- |
| [Barclays US Consumer Bank](https://www.bankingnewsai.com/banks/barclays-us) | GenAI call summarisation under Barclays' group AI programme ([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)) | [13, incl. Denny Nealon (CEO, Barclays US Consumer Bank)](https://www.bankingnewsai.com/banks/barclays-us#people) ([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)) | 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/)) | 3 patents listed on the profile, e.g. US 2025/0284815 A1 (Managing changes to a computing environment: machine learning on change-request text) ([Google Patents (USPTO)](https://patents.google.com/patent/US20250284815A1/en)) | [2 open AI roles (Oct 1, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/barclays-us#roles) |
| [Synchrony Financial](https://www.bankingnewsai.com/banks/synchrony) | Synchrony GPT and the ChatGPT Enterprise rollout ([Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [Synchrony (PR Newswire)](https://investors.synchrony.com/news-events/financial-news/detail/586/synchrony-announces-enterprise-collaboration-with-openai-to-power-the-next-era-of-agentic-commerce), [American Banker](https://americanbanker.com/news/synchronys-carol-juel-is-29-on-the-most-innovative-people-in-finance-ranking)) | [11, incl. Brian Doubles (President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/synchrony#people) ([Investing.com](https://ng.investing.com/news/transcripts/earnings-call-transcript-synchrony-beats-q2-2026-eps-forecast-as-sales-hit-record-93CH-2609405), [Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-announces-executive-leadership-changes.html)) | Professional workforce using AI tools since 2024: Nearly 100% (Aug 13, 2026) ([Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html)) | 5 patents listed on the profile, e.g. US 2026/0006097 A1 (Custom filtering and routing of large-language-model content) ([Google Patents (USPTO)](https://patents.google.com/patent/US20260006097A1/en)) | Not surveyed |
| [Bread Financial Holdings](https://www.bankingnewsai.com/banks/bread-financial) | In-house agentic AI platform and AI knowledge-management tool ([Fortune](https://fortune.com/2026/04/08/amid-the-saaspocalypse-cios-and-ctos-take-a-harder-line-with-their-vendors), [Bread Financial Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1101215/000110121526000016/bfh-20251231.htm)) | [4, incl. Ralph Andretta (President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/bread-financial#people) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bread-financial-tops-q2-2026-estimates-on-strong-credit-sales-93CH-4809145)) | Customer calls reviewed with AI: 100% of calls, versus a sample of 2% to 3% before (Sep 9, 2025) ([Investing.com](https://investing.com/news/transcripts/bread-financial-at-barclays-conference-strategic-moves-and-market-insights-93CH-4231903)) | 1 patent listed on the profile, e.g. US 2024/0403876 A1 (Sub-merchant identification number ingestion) ([Google Patents (USPTO)](https://patents.google.com/patent/US20240403876A1/en)) | Not surveyed |
| [Capital One](https://www.bankingnewsai.com/banks/capital-one) | Chat Concierge and the in-house agent stack ([Capital One](https://www.capitalone.com/tech/ai/future-of-ai-car-dealerships-shopping), [Capital One](https://www.capitalone.com/tech/ai/applied-ai-research), [American Banker](https://www.americanbanker.com/news/goldman-sachs-capital-one-prep-for-self-driving-ai-agents)) | [9, incl. Richard Fairbank (Founder, Chairman and CEO)](https://www.bankingnewsai.com/banks/capital-one#people) ([Capital One via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/927628/000119312526124157/d860581dars.pdf)) | Evident AI index rank: #2 of 50 (four editions running) (Oct 6, 2026) ([American Banker](https://www.americanbanker.com/news/jpmorganchase-capital-one-top-ai-ranking-once-again), [American Banker](https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens)) | 2 patents listed on the profile, e.g. EP4776166A1: Safeguarding user-facing AI models (Published application) ([Google Patents (EPO)](https://patents.google.com/patent/EP4776166A1/en)) | [12+ open AI roles (Oct 1, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/capital-one#roles) |
| [American Express](https://www.bankingnewsai.com/banks/american-express) | Agentic Commerce Experiences (ACE) and Amex Agent Purchase Protection ([American Express](https://www.americanexpress.com/en-us/newsroom/articles/innovation/american-express-debuts-agentic-commerce-experiences--ace--devel.html), [American Express via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604160915BIZWIRE_USPRX____20260415_BW433431-1), [American Banker](https://www.americanbanker.com/payments/news/amex-introduces-agentic-commerce-developers-kit)) | [9, incl. Stephen J. Squeri (Chairman and CEO)](https://www.bankingnewsai.com/banks/american-express#people) ([American Express via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603250800BIZWIRE_USPRX____20260324_BW120486-1), [American Banker](https://www.americanbanker.com/payments/news/amex-reports-earnings-in-line-with-analyst-expectations)) | AI productivity in coding and testing: ≈ 30% (Q1 2026); coding cycle-time target −30% to −40% (Q2 2026) (Jul 24, 2026) ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/american-express-company-q1-2026-164752186.html), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/american-express-company-q2-2026-123000218.html)) | 7 patents listed on the profile, e.g. US 2026/0189520 A1 (Agentic architecture request routing using a payload-embedded token) ([Google Patents (USPTO)](https://patents.google.com/patent/US20260189520A1/en)) | [12+ open AI roles (Oct 1, 2026); most in agentic AI & LLM](https://www.bankingnewsai.com/banks/american-express#roles) |
| [Citigroup](https://www.bankingnewsai.com/banks/citigroup) | Citi Stylus Workspaces ([The Wall Street Journal](https://www.wsj.com/cio-journal/the-ai-superfans-companies-count-on-to-convert-the-skeptics-5b301a90), [Citigroup](https://www.citigroup.com/rcs/citigpa/storage/public/Earnings/Q12026/2026psqtr1rslt.pdf)) | [18, incl. Tim Ryan (Head of Technology and Business Enablement)](https://www.bankingnewsai.com/banks/citigroup#people) ([Reuters](https://www.reuters.com/business/finance/citigroup-says-ai-helps-speed-account-openings-systems-upgrades-2026-04-08/)) | Colleagues using AI tools: 80%+ (Apr 14, 2026) ([Citigroup](https://www.citigroup.com/rcs/citigpa/storage/public/Earnings/Q12026/2026psqtr1rslt.pdf)) | 4 patents listed on the profile, e.g. US 12,450,494 B1 (Validating autonomous AI agents using generative AI) ([Google Patents (USPTO)](https://patents.google.com/patent/US12450494B1/en)) | [12+ open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/citigroup#roles) |
| [Goldman Sachs](https://www.bankingnewsai.com/banks/goldman-sachs) | GS AI Platform and GS AI Assistant ([American Banker](https://www.americanbanker.com/news/goldman-sachs-staff-now-write-a-million-gen-ai-prompts-a-month), [American Banker](https://www.americanbanker.com/news/goldman-sachs-marco-argenti-is-3-on-the-most-innovative-people-in-finance)) | [16, incl. Marco Argenti (Chief Information Officer)](https://www.bankingnewsai.com/banks/goldman-sachs#people) ([CNBC](https://www.cnbc.com/2026/02/06/anthropic-goldman-sachs-ai-model-accounting.html), [American Banker](https://www.americanbanker.com/news/goldman-sachs-marco-argenti-is-3-on-the-most-innovative-people-in-finance)) | Employees with GS AI Assistant: 46,000 (all) (Jul 25, 2025) ([American Banker](https://www.americanbanker.com/news/goldman-sachs-staff-now-write-a-million-gen-ai-prompts-a-month)) | 5 patents listed on the profile, e.g. US 2026/0072655 A1 (Context injection for AI coding assistants) ([Google Patents (USPTO)](https://patents.google.com/patent/US20260072655A1/en)) | [12+ open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/goldman-sachs#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) |
| [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) |

## What are the latest dated moves on the AI record of Barclays US 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 13, 2026 | [Goldman](https://www.bankingnewsai.com/banks/goldman-sachs) | Q3 2026 call: Solomon sets out AI guardrails and compute-supply risk ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-goldman-sachs-tops-q3-2026-estimates-as-revenue-rises-93CH-4947164), [American Banker](https://americanbanker.com/news/goldmans-solomon-wants-clear-human-accountability-on-ai)) |
| Oct 13, 2026 | [Amex](https://www.bankingnewsai.com/banks/american-express) | Intent Intelligence framework published ([American Express via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202610130930BIZWIRE_USPRX____20261013_BW636634-1), [TechCrunch](https://techcrunch.com/2026/10/13/amex-introduces-a-framework-to-prevent-ai-agents-from-making-unauthorized-purchases)) |
| Oct 8, 2026 | [Goldman](https://www.bankingnewsai.com/banks/goldman-sachs) | Sneader: new joiners 'are managing agents' ([Bloomberg](https://bloomberg.com/news/articles/2026-10-08/young-bankers-to-manage-ai-agents-from-start-goldman-exec-says)) |
| Oct 8, 2026 | [Amex](https://www.bankingnewsai.com/banks/american-express) | Agentic commerce playbook and merchant advisory council ([Payments Dive](https://paymentsdive.com/news/amex-advises-businesses-on-ai/832423)) |
| Oct 6, 2026 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | Second on the Evident AI index for a fourth year ([American Banker](https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens), [Banking Dive](https://www.bankingdive.com/news/banks-ai-guardrails-accelerate/832216/)) |
| 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)) |
| Oct 1, 2026 | [Citi](https://www.bankingnewsai.com/banks/citigroup) | Payments chief: no AI model to authorise payments ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-7-debopama-sen-citi)) |
| Oct 1, 2026 | [Barclays US](https://www.bankingnewsai.com/banks/barclays-us) | Group expands Anthropic collaboration ([Anthropic](https://www.anthropic.com/news/barclays-scales-claude)) |
| Sep 30, 2026 | [Synchrony](https://www.bankingnewsai.com/banks/synchrony) | Oxford Economics study and an AI-platform partnership for CareCredit ([Synchrony (PR Newswire)](https://www.prnewswire.com/news-releases/synchrony-and-oxford-economics-find-trust-will-define-the-future-of-ai-shopping-302894036.html), [Synchrony (PR Newswire)](https://investors.synchrony.com/news-events/financial-news/detail/590/carecredit-partners-with-vetspire-to-modernize-veterinary-payments-with-ai-enabled-practice-solutions)) |
| Sep 29, 2026 | [Citi](https://www.bankingnewsai.com/banks/citigroup) | Market Guide platform relaunched with AI at Sibos ([Citigroup (Business Wire)](https://secure.businesswire.com/news/home/20260929289110/en/Citi-Investor-Services-Reimagines-Market-Guide-Platform-Harnessing-AI-to-Deliver-Timely-Intelligence-for-Decision-Makers)) |
| Sep 29, 2026 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | Natarajan: cutting latency and token costs with smaller, open-weight models ([Fortune](http://fortune.com/2026/09/29/how-banks-are-using-ai-agents-copilots-roi)) |
| 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 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)) |
| Aug 27, 2026 | [Synchrony](https://www.bankingnewsai.com/banks/synchrony) | Strategy chief on 'healthy paranoia' about agentic commerce ([PYMNTS](https://pymnts.com/news/artificial-intelligence/2026/synchrony-says-ai-has-put-every-checkout-in-play)) |
| 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 12, 2026 | [Bread Financial](https://www.bankingnewsai.com/banks/bread-financial) | Bread Financial joins the Agentic AI Foundation as a Silver member ([PR Newswire via Morningstar](https://www.morningstar.com/news/pr-newswire/20260812dc25298/agentic-ai-foundation-welcomes-57-new-members-gaining-major-financial-services-players-and-apac-leaders)) |
| Jul 28, 2026 | [Bread Financial](https://www.bankingnewsai.com/banks/bread-financial) | Q2 10-Q: continued AI investment, agentic commerce as a competitive risk ([Bread Financial Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1101215/000110121526000074/bfh-20260630.htm)) |
| Jul 28, 2026 | [Barclays US](https://www.bankingnewsai.com/banks/barclays-us) | Half-year results: no AI discussion on the call ([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)) |

## How does Barclays US's customer-service AI compare with other card issuers'?

The customer-facing or contact-centre AI each bank has disclosed, with its scale and date. A blank means nothing is disclosed, not that nothing exists.

| Bank | Tool | Scale or result disclosed | Date |
| --- | --- | --- | --- |
| Barclays US | GenAI summary of every contact-centre call; tool does not act on accounts or talk to customers | More than 8 million calls summarised since October 2025 | February 5, 2026 ([Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/)) |
| Barclays US | Conversational AI in the US app | Customer query responses 95% faster (group CEO); more than half of journeys digitally personalised by 2028 (target) | February 10, 2026 ([Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html)) |
| Bread Financial | AI review of customer calls | 100% of calls reviewed, against a 2% to 3% sample before | September 9, 2025 ([Investing.com](https://investing.com/news/transcripts/bread-financial-at-barclays-conference-strategic-moves-and-market-insights-93CH-4231903)) |
| SoFi | SoFi Coach, an in-app AI financial coach | Nearly 500,000 conversations; over 90% positive feedback | July 29, 2026 ([SEC (SoFi Technologies 8-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000050/a2026q2earningsrelease.htm), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/sofi-technologies-q2-earnings-call-170406461.html)) |
| American Express | AI assistant for travel counselors | 5,000 counselors in 19 markets; over 85% report time saved | April 2, 2025 ([VentureBeat](https://venturebeat.com/ai/how-amex-uses-ai-to-increase-efficiency-40-fewer-it-escalations-85-travel-assistance-boost)) |
| Capital One | Chat Concierge for auto dealers | 55% lift in dealer engagement and serious leads (reported) | July 2, 2025 ([VentureBeat](https://venturebeat.com/ai/capital-one-builds-agentic-ai-to-supercharge-auto-sales)) |

## How does AI use inside Barclays compare with its card and direct-bank peers?

Workforce AI tools and adoption as each bank reports them. Barclays' figures are group-wide, not for the US bank alone.

| Bank | Tool | Adoption disclosed | Date |
| --- | --- | --- | --- |
| Barclays (group) | Microsoft 365 Copilot; AI coding tools; more than 250 AI tools and models | About 100,000 Copilot licences; 19,000 developers with early productivity gains of about 15% | December 31, 2025; February 10, 2026 ([SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html)) |
| Synchrony | Synchrony GPT; ChatGPT Enterprise | Nearly 100% of the professional workforce has used AI tools since 2024 | August 13, 2026 ([Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [Synchrony (PR Newswire)](https://investors.synchrony.com/news-events/financial-news/detail/586/synchrony-announces-enterprise-collaboration-with-openai-to-power-the-next-era-of-agentic-commerce)) |
| Citigroup | Citi Stylus Workspaces and other AI tools | 80%+ of colleagues using AI tools | April 14, 2026 ([Citigroup](https://www.citigroup.com/rcs/citigpa/storage/public/Earnings/Q12026/2026psqtr1rslt.pdf)) |
| Goldman Sachs | GS AI Assistant | All 46,000 employees | July 25, 2025 ([American Banker](https://www.americanbanker.com/news/goldman-sachs-staff-now-write-a-million-gen-ai-prompts-a-month)) |
| Ally | Ally.ai | 10,000-plus employees with access | July 23, 2025 ([Ally Financial](https://media.ally.com/2025-07-23-Ally-Financial-rolls-out-proprietary-AI-platform-enterprise-wide)) |
| American Express | AI in coding and testing | About 30% productivity in Q1 2026; coding cycle-time target of 30% to 40% lower | July 24, 2026 ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/american-express-company-q1-2026-164752186.html), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/american-express-company-q2-2026-123000218.html)) |

## How do the card issuers compare on agentic commerce?

What each issuer has disclosed about AI shopping agents, as product, partnership or risk.

| Bank | What it has disclosed | Kind | Date |
| --- | --- | --- | --- |
| Barclays US | Expanded Visa partnership covering US retail issuing, agentic commerce and account-to-account payments | Partnership | October 29, 2025 ([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)) |
| American Express | Agentic Commerce Experiences (ACE) developer kit; protection for purchases by registered AI agents | Product | April 14, 2026 ([American Express](https://www.americanexpress.com/en-us/newsroom/articles/innovation/american-express-debuts-agentic-commerce-experiences--ace--devel.html)) |
| Synchrony | 10-K warns AI shopping agents may select the payment method at the point of sale; strategy chief describes 'healthy paranoia' | Risk and strategy | February and August 2026 ([Synchrony Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm), [PYMNTS](https://pymnts.com/news/artificial-intelligence/2026/synchrony-says-ai-has-put-every-checkout-in-play)) |
| Bread Financial | 10-Q lists agentic commerce among technologies that could reduce demand from brand partners; joined the Agentic AI Foundation | Risk and membership | July 28 and August 12, 2026 ([Bread Financial Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1101215/000110121526000074/bfh-20260630.htm), [PR Newswire via Morningstar](https://www.morningstar.com/news/pr-newswire/20260812dc25298/agentic-ai-foundation-welcomes-57-new-members-gaining-major-financial-services-players-and-apac-leaders)) |

## Which parts of Barclays' AI programme reach the US bank?

Barclays PLC's 2025 annual report names 'Investing in digitisation and AI to deliver enhanced customer experiences and operational efficiencies' as a US Consumer Bank focus area, and two US deployments are on the record: GenAI call summaries since October 2025 and a conversational AI tool in the US app announced in February 2026. In April 2026 the bank also extended its FIS partnership to move its more than $25 billion online deposits business onto the cloud-ready FIS Profile core. ([SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm), [Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html), [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/barclays-fis-extend-partnership-supporting-120000205.html))

Most of the rest is group infrastructure: the Barclays AI platform, about 100,000 Copilot licences, AWS, Microsoft, GitLab and Databricks as named partners, AI risk governed by a Head of AI/ML Risk in London, and the October 2026 Anthropic expansion, whose announcement does not name the US bank. That is the opposite of US peers such as Capital One and Synchrony, which run their AI programmes inside the card business and disclose them in their own filings. ([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), [Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [Capital One via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/927628/000092762826000024/cof-20251231.htm))

## Which banks are Barclays US's peers, and why these?

Barclays US Consumer Bank is compared here with Synchrony Financial, Bread Financial Holdings, Capital One, American Express, Citigroup, Goldman Sachs, Ally Financial and SoFi Technologies: chosen by the editors for this page (see the note below the table). Barclays US Consumer Bank is classed as a card issuer and consumer lender in the Southeast.

The computed group mixed in Associated, Prosperity, EverBank and Sallie Mae; this group holds the US card issuers that compete with Barclays US for co-brand partners and cardholders (Synchrony, Bread Financial, Capital One, American Express, Citigroup and Goldman Sachs, Apple Card's issuer) and the direct banks and personal lenders it meets in online savings and, since Best Egg, personal loans (Ally and SoFi).

## Common questions

### Is Barclays US better than Synchrony at AI?

The record cannot settle capability, but Synchrony has put more on it: 68.8 on this site's disclosure index against Barclays US's 55.5. Synchrony names a chief AI officer and says nearly 100% of its professional workforce uses AI tools. Barclays US discloses a larger single deployment: more than 8 million GenAI call summaries by February 2026. ([Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/))

### Does Barclays US have an AI assistant like Capital One or Bank of America?

It is launching one. On February 10, 2026 the Barclays group chief executive said a conversational AI tool was launching in the US Consumer Bank app and answers customer queries 95% faster; scope and vendor are not disclosed. Bank of America says its Erica assistant has helped more than 24.6 million clients. ([Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html))

### How does Barclays US compare with Bread Financial on AI?

They are the two lowest scorers in the group, Barclays US at 55.5 and Bread at 50.5. Both have put AI into call handling: Barclays summarises every contact-centre call with GenAI, and Bread reviews 100% of calls with AI. Bread also runs an in-house agentic AI platform and joined the Agentic AI Foundation in August 2026. ([Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/), [Investing.com](https://investing.com/news/transcripts/bread-financial-at-barclays-conference-strategic-moves-and-market-insights-93CH-4231903), [PR Newswire via Morningstar](https://www.morningstar.com/news/pr-newswire/20260812dc25298/agentic-ai-foundation-welcomes-57-new-members-gaining-major-financial-services-players-and-apac-leaders))

### How does Barclays US's technology spending compare?

Barclays does not disclose a US technology budget. The group reported about £350 million of gross efficiency savings in the first half of 2026 and targets about £2 billion over three years, and the US Consumer Bank's cost:income ratio fell to 39% in the first half of 2026, including a gain on the American Airlines portfolio sale. ([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), [Barclays PLC (SEC filing)](https://www.sec.gov/Archives/edgar/data/312069/000165495426006931/a0595o.htm))

### Is Barclays US's AI run from the UK?

Largely. AI governance, the group AI platform, Copilot licences and the Anthropic collaboration are group-level, and the 20-F's Head of AI/ML Risk reports into group Model Risk Management. The US bank's own disclosed AI is the contact-centre summary tool and the conversational AI in its app. ([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), [Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html))

### How does Barclays US compare with American Express on AI?

Amex has put far more on the record: 93.1 on this site's index against 55.5, including the ACE developer kit for agentic commerce (April 2026) and about 30% AI productivity in coding and testing (Q1 2026). Barclays US's agentic-commerce work is an expanded Visa partnership, and its headline deployment is GenAI call summaries. ([American Express](https://www.americanexpress.com/en-us/newsroom/articles/innovation/american-express-debuts-agentic-commerce-experiences--ace--devel.html), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/american-express-company-q1-2026-164752186.html), [PYMNTS](https://www.pymnts.com/partnerships/2025/visa-barclays-expand-partnership-with-agentic-commerce-focus/), [Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/))

### What did Best Egg add to Barclays US's technology?

A digital direct-to-consumer personal-loan platform focused on prime borrowers, bought for $800 million and closed on May 1, 2026. Best Egg has facilitated more than $40 billion of personal loans since 2013 and services an $11 billion portfolio, which puts Barclays US against SoFi and LendingClub in personal loans. ([PR Newswire (Barclays)](https://prnewswire.com/news-releases/barclays-completes-acquisition-of-best-egg-302760261.html), [American Banker](https://www.americanbanker.com/news/barclays-to-buy-best-egg-for-800m-and-expand-u-s-footprint), [Barclays PLC (SEC filing)](https://www.sec.gov/Archives/edgar/data/312069/000165495426006931/a0595o.htm))

## Peers on this site

- [Synchrony Financial AI strategy](https://www.bankingnewsai.com/banks/synchrony) · [vs peers](https://www.bankingnewsai.com/banks/synchrony/vs-peers)
- [Bread Financial Holdings AI strategy](https://www.bankingnewsai.com/banks/bread-financial) · [vs peers](https://www.bankingnewsai.com/banks/bread-financial/vs-peers)
- [Capital One AI strategy](https://www.bankingnewsai.com/banks/capital-one) · [vs peers](https://www.bankingnewsai.com/banks/capital-one/vs-peers)
- [American Express AI strategy](https://www.bankingnewsai.com/banks/american-express) · [vs peers](https://www.bankingnewsai.com/banks/american-express/vs-peers)
- [Citigroup AI strategy](https://www.bankingnewsai.com/banks/citigroup) · [vs peers](https://www.bankingnewsai.com/banks/citigroup/vs-peers)
- [Goldman Sachs AI strategy](https://www.bankingnewsai.com/banks/goldman-sachs) · [vs peers](https://www.bankingnewsai.com/banks/goldman-sachs/vs-peers)
- [Ally Financial AI strategy](https://www.bankingnewsai.com/banks/ally) · [vs peers](https://www.bankingnewsai.com/banks/ally/vs-peers)
- [SoFi Technologies AI strategy](https://www.bankingnewsai.com/banks/sofi) · [vs peers](https://www.bankingnewsai.com/banks/sofi/vs-peers)

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