What technology stack does Commonwealth Bank run?
Commonwealth Bank runs on AWS, its primary cloud provider. It finished moving its data platform there in June 2025 (over 61,000 data pipelines), and then modernised its SAP core banking platform onto SAP S/4HANA on Amazon EC2 high-memory instances in an 18-month project with SAP, SAP Fioneer, Accenture, AWS and Red Hat. The core, which handles about 40% of Australia's payments, was fully offline for three hours at cutover; AWS reports 30% faster response times, 30% lower daily operating costs and about 26 million core banking events a day streamed through Amazon MSK into an Amazon S3 data repository. AI runs on top: an AI factory on Amazon EC2 P5 instances for fine-tuning large language models (2024), Amazon Bedrock for Companion, Snowflake under the agentic fraud system, and Microsoft Copilot Studio, Dynamics 365 and Foundry for the contact-centre orchestration agent. Engineering is itself agent-assisted: Lumos, a multi-agent workflow built with AWS ProServe, prepares 20 to 30 applications a quarter for the cloud, and an AWS DevOps agent, first tested in September 2025, now investigates incidents for on-call engineers.[1][2][3][4][5][6][7][8]
Data as of Oct 16, 2026 · Commonwealth Bank profile updated Oct 13, 2026 · 26 sources cited on this page · 140 banks profiled on this site · Markdown
Which platforms make up Commonwealth Bank's stack?
Vendors and dates as the bank, AWS and Microsoft describe them.
| Layer | What runs there | Vendors | Since |
|---|---|---|---|
| Core banking | Nine SAP applications including the real-time core ledger, moved to SAP S/4HANA on Amazon EC2 U7i high-memory instances with EBS io2 and FSx for NetApp ONTAP storage; sub-two-minute failover engineered with Red Hat and AWS; 16 million active customer accounts | SAP, SAP Fioneer, Accenture, AWS, Red Hat | Cutover late September 2025 (announced October 7, 2025)[9][2][3] |
| Data platform | Over 61,000 data pipelines migrated, begun July 2024 with HCLTech; about 26 million core banking events a day streamed in real time via Amazon MSK into Amazon S3 | AWS, HCLTech | June 4, 2025[1][3] |
| Model training | AI factory on Amazon EC2 P5 instances for testing, fine-tuning and training large language models | AWS | 2024[4][10] |
| Real-time decisioning | Customer Engagement Engine running over 2,000 real-time machine learning models across banking channels | In-house | Since 2015[11][4] |
| Generative AI applications | Companion built with Amazon Bedrock; a CommBiz messaging service on Bedrock Knowledge Bases with Claude 3 and Cohere models | AWS, Anthropic, Cohere | 2025-2026[3][10] |
| Fraud analytics | Agentic fraud-pattern system on Snowflake's data cloud and the cloud core banking platform, built in three months | Snowflake | April 24, 2026[5] |
| Contact centre | Central orchestration agent routing intents to bots, retrieval-augmented answers or humans; over 2 million conversations a month | Microsoft (Copilot Studio, Dynamics 365, Foundry) | July 2026[6][12] |
| Analytics | Twelve years of on-premises Tableau data moved to Salesforce-managed Tableau Cloud for more than 25,000 users; dashboard load times down 33%; access to Tableau Agent and Pulse | Salesforce | June 2026[13] |
How does Commonwealth Bank use AI agents to build and run its technology?
Internal tools, with the results the bank's engineers have reported. Human review is required before changes are merged in each case described.
| Tool | What it does | Reported result | Date |
|---|---|---|---|
| AI Powered Engineering team | Unit launched in July 2024 to test AI-assisted tools 'across the entire software delivery lifecycle' for about 10,000 engineers and tech specialists | More than 7,800 engineers enabled with GenAI tools and coding assistants by June 30, 2026 | January 2025[14][11] |
| Lumos | Multi-agent workflow for requirements, code and network analysis, design and cyber documents and code transformation (OpenRewrite plus Amazon Q Developer); moving from Pydantic orchestration to Amazon Bedrock AgentCore | From about 10 applications a year to 20 to 30 a quarter; 370 legacy applications scoped | September 23, 2025[7] |
| Lumos, next phase | Agents that start modernisation unprompted, keep documentation current and map cross-repository dependencies; 'modernisation pathways' still a work in progress | Planned | December 4, 2025[15] |
| AWS DevOps agent | Investigates incidents in parallel with the paged on-call engineer and proposes a root cause and remediation; aimed at about half of internal and AWS support requests | Root cause of a test network fault in under 15 minutes (AWS) or 25 minutes (CBA); 30 to 50 minutes for on-call root cause | December 2025 to May 2026[16][8] |
| Project Coral and Patchwork | Agents that read monitoring data and raise pull requests for tech debt and code or infrastructure-as-code fixes; engineers approve every change | Over 80% of 7,800 engineers use AI coding agents | 2025-2026[17][8][18] |
What has the modernisation delivered, by the bank's and AWS's account?
AWS's case study reports 30% faster response times, 30% lower daily operating costs and an unbroken run of 42 consecutive months of rising retail Net Promoter Score through the migration, after moving 70 terabytes of data and running 8,000 end-to-end tests. CBA's own account says payment updates that took about six seconds now appear by the time a customer changes screens, and that eight teams monitoring separate layers were merged into one full-stack team.[3][2]
At the FY25 results Comyn tied the modernisation to delivery speed: 35% more technology changes, 30% fewer critical incidents and 25% better recovery time, with 2,000 engineers hired in the year, 700 of them in Bangalore. Victoria Ledda, then CIO Business Technology and Group CIO from July 1, 2026, said of the cloud core that 'big data and AI services are going to be key to evolving this workload'. The bank has not published the total cost of the migration.[19][2]
What does the Commonwealth Bank profile record on this topic?
The rows below are the entries of the CommBank AI strategy profile that bear on this page, as of Oct 13, 2026; the profile holds the full record of 36 dated moves, 20 use cases and 54 sources.
| Use case | What the record shows | Status | Source |
|---|---|---|---|
| Strategic partnerships with AWS, Anthropic, Microsoft and OpenAI | The annual report names the four as strategic partners; the bank also holds an equity investment in Anthropic and co-developed an orchestration agent with Microsoft. | In production | [11][20][12] |
| ChatIT employee IT-support agent | A generative AI assistant in Microsoft Teams, built on Azure and Copilot Studio, that answers IT questions and runs automated fixes; over 2.3 million messages and more than 12,000 automated fixes in the first six months of automation, with a staff satisfaction score of 4.63 out of 5. | In production | [21] |
| Project Coral agentic tech-debt remediation | An agent framework built by graduate and distinguished engineers that connects to monitoring tools, analyses code and raises pull requests; engineers must review and approve every change. The Chief AI Officer reports over 80% of the 7,800 engineers use AI coding agents. | In production | [17][18] |
| Date | Move | Detail | Source |
|---|---|---|---|
| Jul 10, 2026 | Orchestration agent to extend beyond retail | iTnews reports a central AI orchestration agent, co-developed with Microsoft for two years on Copilot Studio, Dynamics 365 and Microsoft Foundry, will be applied beyond retail support; about 84.6% of self-service messaging interactions were resolved end to end in May 2026. | [12] |
| May 13, 2026 | San Francisco Technology Hub opens | A second US hub, after Seattle, embeds CommBank squads with OpenAI, AWS, Anthropic and Microsoft; co-CIO Rodrigo Castillo says more than 70% of engineering teams use AI tools. | [22] |
| Apr 24, 2026 | Agentic fraud system deployed | CommBank deploys an agentic AI system that detects emerging fraud and scam patterns and proposes detection rules, reviewed by analysts before use; built in three months on Snowflake and the bank's cloud core banking platform. | [5][23] |
| Aug 15, 2025 | AI Powered Engineering and Project Coral | CommBank describes an AI Powered Engineering team created in 2024 and Project Coral, an agentic tool that reads monitoring data, analyses code and raises pull requests with fixes for tech debt; engineers must approve every change. | [17] |
| Jul 1, 2025 | ChatIT IT-support agent in Microsoft's AI Innovators list | Microsoft reports ChatIT, built on Azure and Copilot Studio and launched in 2024, had handled over 2.3 million messages and run more than 12,000 automated IT fixes since its automation function started six months earlier, at about two minutes per fix against 17 minutes for a service-desk call. | [21] |
| Jun 4, 2025 | Data platform migration to AWS completed | CommBank completes moving its data platform to AWS, begun in July 2024 with HCLTech, covering over 61,000 data pipelines; its data platforms lead cites over 2,000 AI models on about 157 billion data points and about 55 million AI decisions a day. | [1] |
| Mar 27, 2025 | Seattle Technology Hub opens | CommBank opens a hub whose first cohort works on agentic and generative AI services for small-business banking, with three-week exchanges alongside AWS, Anthropic, H2O and Microsoft; the Sydney Morning Herald reports 200 staff were to rotate through over the next 12 months. | [24][25][26] |
| Feb 5, 2025 | AWS collaboration expanded | CommBank and AWS expand their collaboration on cloud and AI; the release says AI adoption had doubled to over 2,000 AI models in 2024, describes a CommBiz GenAI messaging service using Amazon Bedrock Knowledge Bases, Claude 3 and Cohere models, and recalls the AI Factory launched in September 2024. | [10] |
Is Commonwealth Bank's core banking system in the cloud?
Yes. CBA moved its SAP core banking platform, which handles about 40% of Australia's payments, to SAP S/4HANA on AWS in an 18-month project with SAP, SAP Fioneer, Accenture, AWS and Red Hat. The core was fully offline for three hours at cutover while customers could still log in and make some payments. The bank's case study was published on March 20, 2026, and the 2026 annual report says 17 million customers and 28 million accounts are on the AWS-hosted platform.
Which cloud provider does Commonwealth Bank use?
AWS is its primary cloud provider and runs the data platform, the core banking platform and the AI factory used to fine-tune large language models. Microsoft supplies the contact-centre agent stack (Copilot Studio, Dynamics 365 and Foundry) and Azure for the ChatIT support bot, Snowflake hosts the data behind the agentic fraud system, and Salesforce runs the bank's Tableau analytics in the cloud.
What is Lumos at Commonwealth Bank?
Lumos is an internal multi-agent workflow, built with AWS's ProServe arm, that prepares applications for migration to the cloud: agents gather requirements, analyse code and network connections, write design and security documents and transform code, with humans approving changes. General manager of cloud acceleration Ash Moollan said in September 2025 that it lifted migrations from about 10 a year to 20 to 30 a quarter.
How does Commonwealth Bank use AI in IT operations?
CBA was the first organisation to get beta access to AWS's DevOps agent in September 2025. It now runs the agent alongside paged on-call engineers so an investigation summary, likely root cause and suggested fix are ready when the engineer logs in; head of cloud services Jason Sandery said this can cut root-cause identification to 30 to 50 minutes. Code-related fixes can be passed to an in-house agent, Patchwork, with human review.
- CommBank accelerates AI integration with major data migration to cloud
- Align, focus and believe: Lessons from Commonwealth Bank's core banking transformation
- Commonwealth Bank modernizes core banking, improving response times by 30% (case study, retrieved 2026-10-15)
- Our approach to adopting AI (report, December 2025)
- CommBank develops AI agent that spots new fraud and helps build defences
- How Commonwealth Bank and Microsoft are reimagining the future of customer service
- CBA builds Lumos, an AI-driven accelerator to prepare applications for cloud
- CBA's DevOps agent is helping on-call engineers on 2am wake-up duty
- CBA modernises its banking core
- CommBank and AWS expand collaboration to deliver global best cloud and AI capabilities, enabling idea to production in six weeks
- 2026 Annual Report
- CBA to take AI orchestration agent beyond its retail bank
- CBA sends over a decade of data to the cloud as AI demand ramps
- CBA plans to use AI across 'entire software delivery'
- CBA wants agents to initiate application modernisation
- CBA runs early test of "frontier" AWS AI agent
- CommBank enhances engineering experience with Agentic AI
- Interview: CBA AI chief on scaling A$400m in AI value with humans in loop
- CBA's leaders are keeping a close watch on AI metrics
- CommBank expands strategic partnership with generative AI company, Anthropic
- Commonwealth Bank's ChatIT helps employees fix IT issues in seconds using generative AI
- Proximity and pace: CommBank embeds teams at the frontier of AI as it opens San Francisco Technology Hub
- CommBank builds AI agent that spots fraud and helps build defences
- CommBank establishes Seattle Tech Hub to further accelerate its AI capability
- CBA to speed up AI rollout as it fights bank tech war
- Australia's CommBank looks to the U.S. for AI expertise
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