'Enterprise-viable' AI: an award-winning chatbot, an AI-native app interface, agentic payments via Brex, and MCP for embedded-finance clients; the Comerica conversion completed in September 2026 with an AI monitoring layer.
How is Fifth Third using AI?
Fifth Third's AI strategy is built around what its CIO calls 'enterprise-viable AI': tools that survive a regulated bank's controls and show returns, deployed while the bank absorbs its $10.9 billion Comerica acquisition. On the consumer side that means Jeanie, the mobile-app assistant named best chatbot of 2026, and an AI interface that lets customers act 'using their own words'; on the commercial side it means agentic corporate cards through a multi-year Brex partnership and, through Newline, its embedded-finance business, an MCP server that lets fintech clients' AI agents use the bank's payments tools. CEO Tim Spence calls the cost results 'pretty remarkable' and says banks 'should experiment more', a consumer-lending executive argues AI will let banks 'out-code' their vendors, and the CFO is using AI to monitor the Comerica conversion itself. Inside the bank the numbers are now disclosed: on the July 2026 call Spence said colleagues executed more than 1 million AI prompts in June alone, the prompt accepted rate for new code was 45% and over 87% of unit testing was automated by AI, and that the bank intends 'to accelerate the pace of investments that we make in AI' once the Comerica systems conversion is done. Jeanie's intent-recognition accuracy has risen from about 20% to about 90% since launch, and a September 2026 investor deck lists 'Agentic Jeanie & universal search powered by AI' as a 2026 milestone. The 2025 10-K warns that AI, whether built internally or supplied by third- or fourth-party providers, could have a significant impact on the effectiveness of its internal controls.
Lead bank
Fifth Third Bank, N.A.
Assets (lead bank, Jun 30, 2026)
$299 billion
Charter
National bank (OCC)
Headquarters
Cincinnati, OH
Flagship platform
Jeanie and the Newline MCP server
AI leadership
Tim Spence · Jude Schramm · Ben Hoffman · Bryan Preston · Jay Plum · Melissa Stevens · Jay Budzik · Art Weston · Jamie Leonard · Bridgit Chayt · Sushil Raja · Tom Bianco · Robert Shaffer · Erin Crawford
- Jeanie, the AI banking assistant in the mobile app, won Best Chatbot at the 2026 Tearsheet AI Innovation Awards; a June 2026 AI-powered interface adds 150 pre-populated intents and routes customers to a screen, the chatbot or a person.
- December 2025: multi-year Brex partnership makes Brex the provider of the bank's commercial cards and expense tools, unlocking $5.6 billion of annual commercial card volume and Brex's AI agents for clients.
- April 2026: Newline's MCP server gains 'Skills', standardising how clients' AI models use the bank's tools; Newline was an American Banker Innovation of the Year 2026 honoree and added $2.7 billion of deposits with fees up 30% year on year in Q1 2026.
- CEO Tim Spence (March 2026): AI's cost results are 'pretty remarkable'; 'at financial institutions, we should experiment more than maybe we have historically.'
- CIO Jude Schramm's 'enterprise-viable AI' focus; mobile-app releases rose from about two a year in 2021 to more than 500 in 2025.
- Engineering with AI (Q2 2026): more than 1 million prompts in June 2026, a 45% prompt accepted rate for new code and over 87% of unit testing automated by AI; the CEO plans to accelerate AI investment after the conversion.
- Open AI roles on its Workday careers site include a director of AI engineering, a principal AI engineer for AI transformation and a principal software engineer for agentic engineering (listed below, as of 24 September 2026).
- The $10.9 billion Comerica deal (approved January 2026) created the ninth-largest US bank at about $288 billion; the CFO says AI-powered monitoring tools track the conversion.
- Microsoft Copilot reached about 14,000 workers (about 5,000 daily users) and GitHub Copilot about 450 engineers by December 2024; CIO Jude Schramm describes a buy-partner-build approach and a rule of customising no more than 5% of any third-party platform.
- Fifth Third Bank N.A. holds a granted US patent on training natural-language-understanding models (US 12,482,454 B2, 25 November 2025) and one on jailbreak-resistant AI security (US 12,556,388 B1, 17 February 2026); both name Art Weston, who said in June 2024 that Jeanie's intent accuracy had risen from about 25% to about 90%.
- The Comerica technology conversion finished over Labor Day weekend 2026, moving about 600,000 customers' accounts and 293 banking centres in five states; an AI monitoring layer watched the programme, and management said about 4 million labour hours would be redeployed into sales and further AI use cases.
- June 2026: CFO Bryan Preston said Fifth Third had been invited into Anthropic's Project Glasswing cybersecurity programme in the preceding weeks, which he put down to the bank's role in payments (Direct Express, US Customs processing, payroll).
- Jay Budzik, a senior vice president who previously worked at Zest AI on de-biasing lending models, manages the bank's AI scientists across consumer products and central operations; he says the bank plans to expand its balance sheet by billions by moving lending models to AI and to automate paper-based document processing.
- Lending stance on the AI build-out: software loans are under 1% of total loans, funded data-centre exposure is under $100 million, and the bank is not participating in AI data-centre lending in any meaningful way (April and September 2026).
What is Jeanie and the Newline MCP server?
Jeanie, the AI assistant in the Fifth Third mobile app, won the 2026 Tearsheet Best Chatbot award; in June 2026 the app gained an AI-powered interface with 150 pre-populated intents trained on hundreds of millions of interactions. On the business side, Newline, the bank's embedded-finance platform, runs a Model Context Protocol server extended with 'Skills' in April 2026 so clients' AI models can use the bank's tools safely.[1][2][3]
What AI partnerships and patents does Fifth Third have?
Fifth Third's named AI partners are Microsoft (Copilot for about 14,000 workers and GitHub Copilot for about 450 engineers in December 2024), Amazon Web Services for public cloud, LivePerson for the language-understanding model behind Jeanie (as of June 2024), Brex for agentic commercial cards, and Anthropic, which invited the bank into Project Glasswing in 2026. Fifth Third Bank N.A. holds a granted patent on training natural-language-understanding models, one on jailbreak-resistant AI security and one on cash-structuring monitoring. No GPU vendor, AI capex figure or frontier-model supplier for customer-facing use is public.[30][31][29][5][44][33][34][35]
| Item | What it is | Status | Date |
|---|---|---|---|
| Microsoft | Microsoft 365 Copilot to about 14,000 workers and GitHub Copilot to about 450 engineers | In production | 2024-12-04[30] |
| Amazon Web Services | Public-cloud partner alongside a private cloud; no AWS AI service is named | In production | 2025-01-16[31][30] |
| LivePerson | Chatbot provider whose language-understanding algorithm Jeanie's overhaul built on | In production | 2024-06-21[29] |
| Brex | Default commercial card with Brex AI agents for expense workflows | Rolling out | 2025-12-09[5] |
| Anthropic Project Glasswing | Invitation into Anthropic's cybersecurity programme; use not public | Announced | 2026-06-10[44] |
| Newline MCP server | Model Context Protocol server with Skills; Newline clients named include Stripe, Trustly, Plaid and Circle | In production | 2026-04-13[48][38] |
| US 12,482,454 B2 | Methods and systems for training and deploying natural language understanding models (published as US 2025/0054493 A1 on 2025-02-13) | Granted | 2025-11-25[33][32] |
| US 12,556,388 B1 | Security framework for artificial intelligence systems: dynamically changing keys against jailbreaking | Granted | 2026-02-17[34] |
| US 11,868,865 B1 | Systems and methods for cash structuring activity monitoring (the record lists a deep learning model) | Granted | 2024-01-09[35] |
What has Fifth Third done on AI, and when?
- Oct 12, 2026
AI chief Jay Budzik describes the lending-model upgrade[47]
Senior vice president Budzik, who manages the bank's AI scientists, says the bank plans to expand its balance sheet by billions by moving lending models to AI and to automate paper-based document processing.
- Oct 1, 2026
CMO: generative AI kept away from customers on purpose[28]
Melissa Stevens tells The Financial Brand's podcast that Fifth Third deliberately kept generative AI away from its customers, choosing accuracy over personality, after growing Jeanie from barely 20% accuracy in its early days to the low 90s; she also discusses carrying 500,000 Comerica customers into the Fifth Third brand without breaking their trust.
- Sep 15, 2026
Barclays conference: AI in the conversion, bilingual Jeanie and search usage doubles[46]
COO Jamie Leonard says Jeanie now handles all intents in Spanish and English, and search and Jeanie activity doubled in the first week for former Comerica customers; AI was used for conversion monitoring, code writing and due-diligence savings work.
- Sep 14, 2026
Investor deck lists 'Agentic Jeanie' as a 2026 milestone[23]
Barclays conference presentation: 'Agentic Jeanie & universal search powered by AI' in the bank's two-decade timeline; about 25,200 employees and $300 billion of assets after Comerica.
- Sep 8, 2026
Comerica technology and brand conversion completed[45]
About 600,000 customers' accounts and 293 banking centres in Arizona, California, Florida, Michigan and Texas moved onto Fifth Third platforms over Labor Day weekend; the combined bank has more than $300 billion in assets.
- Aug 12, 2026
Jeanie named Best Chatbot of 2026[1]
Tearsheet AI Innovation Awards.
- Aug 4, 2026
Q2 2026 10-Q: AI only in the forward-looking risk list[43][42]
The filing lists 'inability to implement technology system enhancements, including the use of artificial intelligence' among factors that could change results; the Q1 10-Q (5 May) carries the same line. The detailed AI risk factors sit in the 2025 10-K.
- Jul 29, 2026
New fintech group head to work with Newline GM Sushil Raja[25]
Banking Dive: Dan Allred, hired from HSBC to lead the commercial bank's fintech business, will work closely with Sushil Raja, general manager of the embedded banking platform Newline.
- Jul 17, 2026
Q2 2026 call: AI metrics for engineering and a pledge to accelerate AI spend[22]
1 million-plus prompts in June; 45% prompt accepted rate for new code; 87%-plus of unit testing automated by AI; an AI 'intelligence layer' monitoring the Comerica conversion.
- Jul 17, 2026
AI tracks the Comerica conversion[12]
CFO: AI tools aggregate and analyse conversion conversations and flag schedule slips.
- Jun 17, 2026
- Jun 10, 2026
Invited into Anthropic's Project Glasswing[44]
CFO Bryan Preston tells the Morgan Stanley U.S. Financials Conference the bank was invited in recent weeks, which he attributes to its role in payments infrastructure.
- Jun 1, 2026
CIO: about 1,000 engineers on AI tools, caution on agents[8]
Schramm lists AI in lending and credit processes and a multilingual chatbot as 2026 priorities; real-time payments throughput rose from 35 to 140 transactions a second and technology changes saved $200 million a year; on agents touching deposit and loan systems, 'we've got to be really intentional'.
- Jun 1, 2026
- Apr 17, 2026
Q1 2026 call: Plaid on Newline, tight limits on AI-infrastructure lending[38][39][41]
Plaid launched a payment product on Newline alongside Stripe and Circle; Spence calls the tech conversion the largest transaction risk and plans three or four mock conversions; software loans are under 1% of the book and funded data-centre exposure under $100 million.
- Apr 13, 2026
Newline MCP server adds Skills[3]
Standardises how AI models use tools and workflows for embedded-finance clients.
- Apr 9, 2026
'AI will help banks out-code vendors'[9]
Consumer lending head Jay Plum on eroding reliance on core providers and continuous 'mini reviews' for exams.
- Mar 11, 2026
- Mar 11, 2026
Spence: AI cost results 'pretty remarkable'[16]
Banks should experiment more, the CEO tells Bloomberg TV.
- Feb 24, 2026
2025 10-K names AI as a technology and internal-control risk[21]
AI may be developed internally or supplied by third- or fourth-party providers and could significantly affect internal controls; AI-enabled cyber-attacks may be harder to detect; generative AI training launched for leaders in 2025.
- Feb 17, 2026
Jailbreak-resistance patent granted[34]
US 12,556,388 B1, Security framework for artificial intelligence systems: dynamically changing keys to resist attempts to bypass a model's built-in constraints; filed 19 August 2024 on a May 2024 provisional.
- Feb 1, 2026
- Jan 6, 2026
Comerica shareholders approve the deal[19]
97% in favour.
- Dec 9, 2025
- Nov 25, 2025
NLU patent granted[33]
US 12,482,454 B2 issues from the 2023 application; inventors include Art Weston, the bank's AI transformation lead.
- Oct 6, 2025
Agrees to buy Comerica for $10.9 billion[18]
Creating the ninth-largest US bank with about $288 billion in assets.
- Jun 6, 2025
'Intentionally unsexy' app improvements[24]
Jeanie and incremental mobile enhancements; tech and communications spend $474 million in 2024.
- Mar 19, 2025
AI to personalise deposit offers[17]
Among regional lenders using AI on customer data to compete for deposits.
- Feb 13, 2025
NLU training patent application published[32]
US 2025/0054493 A1, Methods and systems for training and deploying natural language understanding models, filed 10 August 2023 by Fifth Third Bank, N.A.
- Jan 16, 2025
Four AI pillars and an Enterprise Data Office[31]
Schramm names four pillars (empowering employees, enhancing engineering, streamlining business processes, improving customer interactions); the Enterprise Data Office governs AI deployments and a dedicated AI group handles generative AI and intelligent automation.
- Dec 4, 2024
CIO: buy-partner-build, with Copilot at scale[30]
Microsoft Copilot deployed to about 14,000 workers (about 5,000 daily users) and GitHub Copilot to about 450 engineers; humans stay in the loop and generative AI is not yet used with external customers.
- Jun 21, 2024
Jeanie language-understanding overhaul and AI patent filings[29]
Art Weston, director of AI transformation, says Jeanie's intent accuracy rose from about 25% to about 90% after the language-understanding algorithm (from chatbot provider LivePerson) was re-architected; Jeanie recognises 150 actions and about half were automated. He had applied for patents on the work and on gen-AI risks such as hallucination and jailbreaking.
- Jan 19, 2016
NICE Actimize customer due diligence selected[27]
NICE Actimize said Fifth Third had selected its Customer Due Diligence anti-money-laundering software and Core Risk Rating Engine to automate and centrally manage customer onboarding risk assessment (vendor release; no later update found).
Where does Fifth Third use AI today?
| System | What it does | Status | Use case |
|---|---|---|---|
| Jeanie and the AI app interface[1][2] | AI assistant plus natural-language navigation with 150 intents. | In production | Customer-facing chatbots |
| Brex agentic commercial cards[5][13] | AI agents automating expense workflows for commercial clients. | Rolling out | Generative & agentic AI |
| Newline MCP server with Skills[3] | Clients' AI models use the bank's payments tools through a standard protocol. | In production | Generative & agentic AI |
| Merger-conversion monitoring[12] | AI tools tracking the Comerica integration. | In production | AI governance (general) |
| Scam and impersonation defence[26][7] | Expanded scam investigations; AI named by the fraud director as accelerating the threat. | In production | Fraud detection |
| AI-assisted software development and testing[22] | 45% prompt accepted rate for new code and over 87% of unit testing automated by AI (Q2 2026); more than 1 million prompts by colleagues in June 2026. | In production | Generative & agentic AI |
| AI risk-factor disclosure[21] | 10-K: internally built and third- or fourth-party AI could significantly affect the effectiveness of internal controls; AI raises cyber-attack risk. | In production | Model risk management |
| AI deposit personalisation[17] | AI tools on customer data to tailor deposit offers. | In production | Customer-facing chatbots |
| Anthropic Project Glasswing access[44] | Invited into Anthropic's cybersecurity programme in spring 2026; the CFO tied it to the bank's payments role. What the bank does with the access is not public. | Announced | Cybersecurity |
| GitHub Copilot and AI code generation[30][8][36][37][22] | About 450 engineers on GitHub Copilot in December 2024; about 1,000 engineers with AI tools by June 2026; the CEO said on Bloomberg TV that AI writes about 40% of code (a third of released code in 2025, rising to 40% in the first two months of 2026, per Bloomberg Law) and the Q2 2026 prompt accepted rate for new code was 45%. | In production | AI-generated code & coding agents |
| AI upgrade of lending models[47][8] | SVP Jay Budzik says the bank plans to expand its balance sheet by billions by moving lending-business models to AI; Schramm lists embedding AI in lending and credit processes. | Announced | Credit scoring & underwriting |
| Microsoft Copilot for employees[30][31] | Microsoft 365 Copilot at about 14,000 workers, about 5,000 of them daily users, with humans in the loop for decisions (December 2024). | In production | Generative & agentic AI |
| Bilingual Jeanie and universal search[46][1] | Jeanie handles all intents in Spanish and English since the Comerica conversion; search and Jeanie activity doubled in the first week among former Comerica customers. | In production | Customer-facing chatbots |
Use-case links open the tracker's rules-by-use-case matrix: which documents govern each system type.
Which AI vendors and fintechs does Fifth Third work with?
| Company | What Fifth Third uses it for | Status | Category |
|---|---|---|---|
| NICE Actimize | Customer Due Diligence and Core Risk Rating Engine for customer onboarding risk assessment, selected January 2016 as part of an existing Actimize relationship (no later update found). | Selected | AML compliance |
| Microsoft 365 Copilot | Microsoft 365 Copilot deployed to about 14,000 workers (about 5,000 daily users), with humans in the loop for decisions, per the CIO (December 2024). | In production | Enterprise AI assistants |
| Claude (Anthropic) | Invited into Anthropic's Project Glasswing cybersecurity programme (June 2026); what the bank does with the access is not public. | Announced | Enterprise AI assistants |
| GitHub Copilot | About 450 engineers on GitHub Copilot by December 2024, per the CIO. | In production | Enterprise AI assistants |
| Brex | Fifth Third Commercial Card powered by Brex, with Brex AI agents automating expense workflows | Rolling out | Fintech · Business finance & infrastructure |
Each vendor and fintech page cites the source for the relationship, and vendor pages list products, pricing and other bank customers. Compare AI tools for banks by category, or read the fintech and neobank AI dossiers.
What has Fifth Third disclosed in numbers?
| Metric | Value | As of |
|---|---|---|
| Brex commercial card volume | $5.6 billion a year[5] | Dec 9, 2025 |
| Mobile app releases | 500+ in 2025, from ≈ 2 a year in 2021[6] | Jun 9, 2026 |
| AI interface intents | 150[11] | Jun 17, 2026 |
| Newline Q1 2026 | deposits +$2.7 billion, fees +30% y/y[20] | Apr 17, 2026 |
| Colleague AI prompts | > 1 million in June 2026[22] | Jun 30, 2026 |
| AI in engineering | 45% prompt accepted rate for new code; > 87% of unit testing automated[22] | Jun 30, 2026 |
| Jeanie intent-recognition accuracy / self-service containment | ≈ 20% → ≈ 90% / 3% → 42% since launch[1] | Aug 12, 2026 |
| Comerica acquisition | $10.9 billion; ≈ $288 billion combined assets[18] | Oct 6, 2025 |
| Comerica customers carried into the Fifth Third brand | 500,000[28] | Oct 1, 2026 |
| Comerica conversion scope | ≈ 600,000 customers' accounts, 293 banking centres, five states[45] | Sep 8, 2026 |
| Microsoft Copilot / GitHub Copilot users | ≈ 14,000 workers (≈ 5,000 daily) / ≈ 450 engineers[30] | Dec 4, 2024 |
| Engineers equipped with AI tools | ≈ 1,000[8] | Jun 1, 2026 |
| Newline Q2 2026 | fee revenue +35% y/y; related deposits $5.3 billion (+$2.1 billion)[22] | Jun 30, 2026 |
| Real-time payments throughput / annualised tech savings | 35 → 140 transactions a second / $200 million[8] | Jun 1, 2026 |
| Mobile app scale | > 2.4 million monthly users; > 1 billion digital interactions a year[1] | Aug 12, 2026 |
| AI-infrastructure lending exposure | software < 1% of loans; funded data centres < $100 million[39][22] | Apr 17, 2026 |
| CEO estimate of AI-written code | 40%[36][37] | Mar 11, 2026 |
“At financial institutions, we should experiment more than maybe we have historically.”[16]
Tim Spence · Chairman and CEO · Mar 11, 2026
“We do intend to accelerate the pace of investments that we make in AI.”[22]
Tim Spence · Chairman, CEO and President · Jul 17, 2026
“AI is a powerful tool, but in banking it has to be applied with discipline because customers rightly expect speed, accuracy and reliability every time.”[2]
Ben Hoffman · Chief Strategy Officer · Jun 17, 2026
“These monitoring tools that are AI-powered have been very helpful for us to make sure that things are tracking as expected.”[12]
Bryan Preston · Chief Financial Officer · Jul 17, 2026
“When it hits at the core of deposit systems and loan systems, we've got to be really intentional.”[8]
Jude Schramm · Chief Information Officer · Jun 1, 2026
“Jeanie is our chatbot which continues to get smarter and smarter every day.”[46]
Jamie Leonard · Chief Operating Officer · Sep 15, 2026
“We have no doom loops in our systems, so no one gets trapped in our box.”[29]
Art Weston · Director of AI Transformation · Jun 21, 2024
“We think it was a reflection of just the role we play in the payments ecosystem in the country today.”[44]
Bryan Preston · Chief Financial Officer · Jun 10, 2026
Who runs AI at Fifth Third?
Jude SchrammLinkedIn ↗
Ben HoffmanLinkedIn ↗
Chief Strategy Officer and Head of Consumer Products[2]
Bryan Preston
Chief Financial Officer[12]
Jay PlumLinkedIn ↗
Head of Consumer Lending[9]
Melissa Stevens
Chief Marketing Officer[28]
Jay Budzik
Senior Vice President, AI (manages AI scientists across consumer products and central operations)[47]
Art Weston
Director of AI Transformation (as of June 2024); named inventor on the bank's AI patents[29][33][34]
Sushil Raja
General Manager, Newline (embedded banking platform)[25]
Robert Shaffer
Executive Vice President and Chief Risk Officer[21]
Erin Crawford
Vice President, Head of Consumer Digital, Payments and Money Management[50]
What AI roles is Fifth Third hiring for?
Data as of · 4 AI-titled postings · read from Fifth Third's own careers site, re-checked weekly
4 open AI-related postings on Fifth Third's careers site as of Oct 25, 2026. A snapshot of current openings, not a source: postings close. Compare with other banks on which banks are hiring for AI.
Principal AI Engineer - AI Transformation
Cincinnati OH (+3 more) · posted
AI Engineer - Automated Channels Transformation
Cincinnati, OH · posted
Cincinnati, OH · posted
Data Scientist - Analytics Engineer
Cincinnati OH (+2 more) · posted
Which regulators govern Fifth Third's AI?
| Authority | Why it matters here | Documents |
|---|---|---|
| OCC | National bank; the OCC's Spring 2026 Risk Perspective on measured gen-AI use is the supervisory frame, and the Comerica integration is under OCC review. | OCC Bulletin 2026-13 OCC Semiannual Risk Perspective, Spring 2026 |
| CFPB | Jeanie and the AI interface are consumer chatbots; UDAAP and the CFPB's chatbot spotlight apply. | CFPB Chatbots in Consumer Finance (issue spotlight, 2023) |
| Federal Reserve | Brex and Newline clients are third-party relationships under the interagency guidance. | SR 23-4 |
| NIST | An MCP server exposing bank tools to external AI models is the agent-identity and authorisation problem NIST's agent work addresses. | CAISI RFI on AI agent security (2026) |
Side by side: SR 11-7 vs SR 26-2 · OCC vs CFPB on AI lending · PRA SS1/23 vs SR 26-2 · MAS AI Risk Management Guidelines vs SR 26-2 · NIST AI RMF vs ISO 42001 · all comparisons.
What does the public record suggest about Fifth Third's AI strategy?
Analysis by BankingNewsAI from the sources cited on this page. Observations, not advice.
01
Exposing tools to clients' agents is a new perimeter
Newline's MCP server makes Fifth Third one of the first banks to let outside AI models call its systems by design. Authorisation, rate limits and audit for those calls are now product features supervisors will examine.
02
Partner-led agents keep the model risk with the vendor — and the accountability with the bank
Brex's agents run on Brex's platform, but the interagency guidance is explicit that third-party use does not diminish the bank's responsibility.
03
Integration is the AI use case that matters this year
Using AI to monitor the Comerica conversion is modest technology applied to the largest execution risk on the bank's plate — the kind of use case examiners like.
04
'Out-coding' vendors is a strategic claim to watch
If AI lets a regional bank rewrite what it used to buy, the core-provider relationships that define regional-bank IT change shape.
Where does the Fifth Third record go deeper?
6 topic pages under this profile, each answering one question from the same sourced record.
- What is Fifth Third's AI strategy?
- What AI patents, research and partnerships does Fifth Third have?
- What is Jeanie, and how does Fifth Third use AI in its virtual assistant?
- How does Fifth Third use AI in payments?
- What technology stack does Fifth Third run?
- What proprietary AI has Fifth Third built in-house?
- Has Fifth Third Bancorp had a publicly reported AI incident?
Which leader rankings does Fifth Third appear in?
5 of the computed leaders rankings include Fifth Third, each ranked from the same sourced bank pages.
How does Fifth Third compare with its peers?
- How does Fifth Third Bancorp compare with its peers on AI and technology?
- Fifth Third Bancorp competitors and alternatives, by business line
Its peer group on this site, by business model and size:
What is Jeanie at Fifth Third?
Jeanie is Fifth Third's AI-powered banking assistant inside its mobile app. It won the Best Chatbot award at the 2026 Tearsheet AI Innovation Awards, and since June 2026 sits behind an AI-powered app interface with 150 pre-populated intents that routes customers to a task screen, the chatbot or a live representative.
What is Fifth Third doing with Brex?
In December 2025 Fifth Third made Brex the provider of its commercial cards and expense-management tools in a multi-year partnership built on Brex Embedded, unlocking $5.6 billion of annual commercial card volume and giving commercial clients access to Brex's AI agents that automate expense workflows.
Who leads AI at Fifth Third?
No chief AI officer is named in the bank's 10-K or press releases. Chief Information Officer Jude Schramm, in the job since March 2018, owns the enterprise AI agenda he calls enterprise-viable AI. Jay Budzik, a senior vice president, manages the AI scientists across consumer products and central operations, and Art Weston, director of AI transformation as of June 2024, is the named inventor on its AI patents. Ben Hoffman, chief strategy officer and head of consumer products, fronts Jeanie and the app interface; Bridgit Chayt runs Commercial Payments and Tom Bianco runs Newline. The 10-K lists a Chief Data Officer on its technology governance committee without naming one.
Is AI writing Fifth Third's code?
In March 2026 CEO Tim Spence told Bloomberg that AI was already writing 40% of the bank's code. On the July 2026 earnings call he gave different measures: a 45% prompt accepted rate for new code in the quarter, more than 87% of unit testing automated by AI, and more than 1 million prompts from colleagues in June. American Banker reported about 1,000 engineers with AI tools by June 2026, against about 450 engineers on GitHub Copilot in December 2024, according to Fortune. Spence added that workflow applications were on a code freeze until the Comerica conversion finished.
How did Fifth Third use AI in the Comerica conversion?
Spence said on the July 2026 call that the bank built an intelligence layer over its Microsoft project plan, with AI listening to Teams or Slack feeds for signs of delay. CFO Bryan Preston said it fed real-time dashboards for the thousands of checklist items and escalated treasury-management issues faster. The conversion finished over Labor Day weekend 2026, moving about 600,000 customers' accounts and 293 banking centres. At Barclays on 15 September, COO Jamie Leonard also described AI helping with due diligence and contract and vendor savings, and management said about 4 million labour hours would go into sales and further AI use cases.
- Fifth Third's Jeanie Named Best Chatbot by Tearsheet AI Innovation Awards
- Fifth Third Launches AI-Powered Interface in Mobile App
- Fifth Third's Newline Extends MCP Server Capabilities with Skills
- Fifth Third's Newline Recognized by American Banker for Powering Next-Generation Payments Infrastructure
- Fifth Third and Brex Partner to Bring AI-Powered Finance to Businesses, Unlocking $5.6B in Commercial Card Volume
- American Banker Names Jude Schramm to Most Innovative People in Finance List
- 4 Ways to Stay Ahead of AI Scams
- Fifth Third's CIO is focused on enterprise-viable AI
- Fifth Third official: AI will help banks 'out-code' vendors
- Fifth Third's Newline is one of the Innovation of the Year honorees
- Fifth Third injects AI into its mobile app
- Fifth Third says it's using AI to track Comerica conversion
- Fifth Third stakes claim in agentic payments with Brex
- Fifth Third, Brex sign commercial cards agreement
- Fifth Third Bancorp CEO Tim Spence on new partnership with Brex
- Fifth Third Sees 'Pretty Remarkable' AI Ability to Lower Costs
- Fifth Third Among Banks Using AI to Help Lure Customer Deposits
- Stock Movers: AMD, Fifth Third, Tesla (Comerica deal)
- Comerica shareholders approve $10.9 billion deal with Fifth Third Bancorp
- Fifth Third Bancorp Reports First Quarter 2026 Earnings
- Fifth Third Bancorp Annual Report on Form 10-K for 2025
- Fifth Third (FITB) Q2 2026 Earnings Call Transcript
- Fifth Third Bancorp presentation at the 2026 Barclays Global Financial Services Conference (Form 8-K, Exhibit 99.1)
- Fifth Third takes 'intentionally unsexy' approach to mobile app improvements
- Fifth Third lures commercial fintech head from HSBC
- How Fifth Third, Star One are fighting elder fraud
- NICE Actimize CDD Solution Selected by Fifth Third Bancorp for its Customer Onboarding Risk Assessment and Powerful Risk Rating Engine
- Fifth Third Succeeds Through Empowered Employees (undated page, retrieved 2026-10-01)
- Overhauling chatbots, harnessing gen AI: Art Weston, Fifth Third
- Why Fifth Third's CIO mostly buys rather than builds tech in the race to compete against banking giants
- Fifth Third Bank's CIO On AI, Cloud And Customer-Centric Innovation
- US 2025/0054493 A1: Methods and systems for training and deploying natural language understanding models (applicant Fifth Third Bank NA; filed 2023-08-10)
- US 12,482,454 B2: Methods and systems for training and deploying natural language understanding models (assignee Fifth Third Bank NA)
- US 12,556,388 B1: Security framework for artificial intelligence systems (assignee Fifth Third Bank NA; filed 2024-08-19)
- US 11,868,865 B1: Systems and methods for cash structuring activity monitoring (assignee Fifth Third Bank NA; filed 2023-06-08)
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