# Fifth Third Bancorp: AI strategy

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

*'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.

## At a glance

| Field | Value |
| --- | --- |
| Lead bank | Fifth Third Bank, N.A. |
| Ticker | FITB |
| Headquarters | Cincinnati, OH |
| Consolidated assets | $299,177 million |
| Federal Reserve rank | 14 |
| Charter | National bank (OCC) |

## 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. ([Fortune](https://fortune.com/2024/12/04/fifth-third-cio-ai-buy-rather-than-build/), [Forbes](https://forbes.com/sites/peterhigh/2025/01/16/fifth-third-banks-cio-on-ai-cloud-and-customer-centric-innovation), [American Banker](https://americanbanker.com/news/overhauling-chatbots-harnessing-gen-ai-art-weston-fifth-third), [Fifth Third](https://onlinebanking.53.com/content/fifth-third/en/media-center/press-releases/2025/press-release-2025-12-09.html), [PYMNTS](https://pymnts.com/cybersecurity/2026/anthropic-recruits-fifth-third-for-project-glasswing-ai-cybersecurity-initiative), [Google Patents (USPTO)](https://patents.google.com/patent/US12482454B2/en), [Google Patents (USPTO)](https://patents.google.com/patent/US12556388B1/en), [Google Patents (USPTO)](https://patents.google.com/patent/US11868865B1/en))

| Item | What it is | Status | Date | Sources |
| --- | --- | --- | --- | --- |
| Microsoft | Microsoft 365 Copilot to about 14,000 workers and GitHub Copilot to about 450 engineers | In production | 2024-12-04 | [Fortune](https://fortune.com/2024/12/04/fifth-third-cio-ai-buy-rather-than-build/) |
| Amazon Web Services | Public-cloud partner alongside a private cloud; no AWS AI service is named | In production | 2025-01-16 | [Forbes](https://forbes.com/sites/peterhigh/2025/01/16/fifth-third-banks-cio-on-ai-cloud-and-customer-centric-innovation), [Fortune](https://fortune.com/2024/12/04/fifth-third-cio-ai-buy-rather-than-build/) |
| LivePerson | Chatbot provider whose language-understanding algorithm Jeanie's overhaul built on | In production | 2024-06-21 | [American Banker](https://americanbanker.com/news/overhauling-chatbots-harnessing-gen-ai-art-weston-fifth-third) |
| Brex | Default commercial card with Brex AI agents for expense workflows | Rolling out | 2025-12-09 | [Fifth Third](https://onlinebanking.53.com/content/fifth-third/en/media-center/press-releases/2025/press-release-2025-12-09.html) |
| Anthropic Project Glasswing | Invitation into Anthropic's cybersecurity programme; use not public | Announced | 2026-06-10 | [PYMNTS](https://pymnts.com/cybersecurity/2026/anthropic-recruits-fifth-third-for-project-glasswing-ai-cybersecurity-initiative) |
| Newline MCP server | Model Context Protocol server with Skills; Newline clients named include Stripe, Trustly, Plaid and Circle | In production | 2026-04-13 | [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-04-13.html), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/17/fifth-third-fitb-q1-2026-earnings-transcript) |
| 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 | [Google Patents (USPTO)](https://patents.google.com/patent/US12482454B2/en), [Google Patents (USPTO)](https://patents.google.com/patent/US20250054493A1/en) |
| US 12,556,388 B1 | Security framework for artificial intelligence systems: dynamically changing keys against jailbreaking | Granted | 2026-02-17 | [Google Patents (USPTO)](https://patents.google.com/patent/US12556388B1/en) |
| US 11,868,865 B1 | Systems and methods for cash structuring activity monitoring (the record lists a deep learning model) | Granted | 2024-01-09 | [Google Patents (USPTO)](https://patents.google.com/patent/US11868865B1/en) |

## Flagship platform: 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. ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1), [Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html))

## Key points

- 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).

## Timeline

- Oct 12, 2026 — **AI chief Jay Budzik describes the lending-model upgrade** 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. ([Northwestern McCormick School of Engineering](https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html))
- Oct 1, 2026 — **CMO: generative AI kept away from customers on purpose** 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. ([The Financial Brand](https://thefinancialbrand.com/banking-podcasts/fifth-third-succeeds-through-empowered-employees))
- Sep 15, 2026 — **Barclays conference: AI in the conversion, bilingual Jeanie and search usage doubles** 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. ([Investing.com](https://investing.com/news/transcripts/fifth-third-at-barclays-conference-comerica-deal-lifts-growth-plans-93CH-4901613))
- Sep 14, 2026 — **Investor deck lists 'Agentic Jeanie' as a 2026 milestone** 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. ([Fifth Third (SEC filing)](https://www.sec.gov/Archives/edgar/data/35527/000003552726000219/a2026barclaysconference-.htm))
- Sep 8, 2026 — **Comerica technology and brand conversion completed** 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. ([Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html))
- Aug 12, 2026 — **Jeanie named Best Chatbot of 2026** Tearsheet AI Innovation Awards. ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html))
- Aug 4, 2026 — **Q2 2026 10-Q: AI only in the forward-looking risk list** 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. ([Fifth Third (SEC filing)](https://www.sec.gov/Archives/edgar/data/35527/000003552726000202/fitb-20260630.htm), [Fifth Third (SEC filing)](https://www.sec.gov/Archives/edgar/data/35527/000003552726000182/fitb-20260331.htm))
- Jul 29, 2026 — **New fintech group head to work with Newline GM Sushil Raja** 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. ([Banking Dive](https://www.bankingdive.com/news/fifth-third-lures-fintech-head-from-hsbc/826468/))
- Jul 17, 2026 — **Q2 2026 call: AI metrics for engineering and a pledge to accelerate AI spend** 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. ([Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html))
- Jul 17, 2026 — **AI tracks the Comerica conversion** CFO: AI tools aggregate and analyse conversion conversations and flag schedule slips. ([American Banker](https://www.americanbanker.com/news/fifth-third-says-its-using-ai-to-track-comerica-conversion))
- Jun 17, 2026 — **AI-powered interface in the mobile app** 150 intents, trained on hundreds of millions of interactions; 'the first step toward changing the interface of banking itself'. ([Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1), [American Banker](https://www.americanbanker.com/news/fifth-third-injects-ai-into-its-mobile-app))
- Jun 10, 2026 — **Invited into Anthropic's Project Glasswing** 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. ([PYMNTS](https://pymnts.com/cybersecurity/2026/anthropic-recruits-fifth-third-for-project-glasswing-ai-cybersecurity-initiative))
- Jun 1, 2026 — **CIO: about 1,000 engineers on AI tools, caution on agents** 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'. ([American Banker](https://www.americanbanker.com/news/fifth-thirds-cio-jude-schramm-is-28-on-the-most-innovative-people-in-finance-ranking))
- Jun 1, 2026 — **Newline named Innovation of the Year honoree** For powering payments and embedded finance for fintechs and enterprises. ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-06-05.html), [American Banker](https://www.americanbanker.com/news/fifth-thirds-newline-is-one-of-the-innovation-of-the-year-honorees))
- Apr 17, 2026 — **Q1 2026 call: Plaid on Newline, tight limits on AI-infrastructure lending** 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. ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/17/fifth-third-fitb-q1-2026-earnings-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-fifth-third-bancorp-beats-eps-forecasts-in-q1-2026-93CH-4621035), [American Banker](https://www.americanbanker.com/news/fifth-third-ceo-on-comerica-integration-so-far-so-good))
- Apr 13, 2026 — **Newline MCP server adds Skills** Standardises how AI models use tools and workflows for embedded-finance clients. ([Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html))
- Apr 9, 2026 — **'AI will help banks out-code vendors'** Consumer lending head Jay Plum on eroding reliance on core providers and continuous 'mini reviews' for exams. ([American Banker](https://www.americanbanker.com/news/fifth-third-official-ai-will-help-banks-out-code-vendors))
- Mar 11, 2026 — **Spence: AI is writing 40% of the bank's code** Bloomberg Open Interest interview: AI is helping the bank double in size with fewer employees, and the next phase is AI that executes financial tasks for customers. ([Bloomberg](https://www.bloomberg.com/news/videos/2026-03-11/fifth-third-ceo-ai-writing-40-of-code-video), [Bloomberg Law](https://news.bloomberglaw.com/banking-law/fifth-third-sees-pretty-remarkable-ai-ability-to-cut-costs-1))
- Mar 11, 2026 — **Spence: AI cost results 'pretty remarkable'** Banks should experiment more, the CEO tells Bloomberg TV. ([Bloomberg](https://www.bloomberg.com/news/articles/2026-03-11/fifth-third-sees-pretty-remarkable-outcome-of-ai-to-lower-cost))
- Feb 24, 2026 — **2025 10-K names AI as a technology and internal-control risk** 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. ([Fifth Third (SEC filing)](https://www.sec.gov/Archives/edgar/data/35527/000003552726000124/fitb-20251231.htm))
- Feb 17, 2026 — **Jailbreak-resistance patent granted** 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. ([Google Patents (USPTO)](https://patents.google.com/patent/US12556388B1/en))
- Feb 1, 2026 — **Comerica merger closes** The 8-K gives February 1, 2026 as the closing date; closed in under four months, with the systems conversion scheduled for Labor Day weekend. ([Fifth Third (SEC filing)](https://www.sec.gov/Archives/edgar/data/35527/000119312526032625/d642888d8k.htm), [American Banker](https://www.americanbanker.com/news/fifth-third-ceo-on-comerica-integration-so-far-so-good), [Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html))
- Jan 6, 2026 — **Comerica shareholders approve the deal** 97% in favour. ([Reuters](https://www.reuters.com/sustainability/sustainable-finance-reporting/comerica-shareholders-approve-109-billion-deal-with-fifth-third-bancorp-2026-01-06/))
- Dec 9, 2025 — **Brex becomes the commercial-card provider** Multi-year partnership on Brex Embedded; $5.6 billion of annual card volume; Brex AI agents for clients. ([Fifth Third](https://onlinebanking.53.com/content/fifth-third/en/media-center/press-releases/2025/press-release-2025-12-09.html), [CNBC](https://www.cnbc.com/2025/12/09/fifth-third-bank-brex-commercial-cards-agreement.html))
- Nov 25, 2025 — **NLU patent granted** US 12,482,454 B2 issues from the 2023 application; inventors include Art Weston, the bank's AI transformation lead. ([Google Patents (USPTO)](https://patents.google.com/patent/US12482454B2/en))
- Oct 6, 2025 — **Agrees to buy Comerica for $10.9 billion** Creating the ninth-largest US bank with about $288 billion in assets. ([Bloomberg](https://www.bloomberg.com/news/audio/2025-10-06/stock-movers-amd-fifth-third-tesla-podcast))
- Jun 6, 2025 — **'Intentionally unsexy' app improvements** Jeanie and incremental mobile enhancements; tech and communications spend $474 million in 2024. ([Banking Dive](https://www.bankingdive.com/news/fifth-third-bank-mobile-app-improvements-ai-strategy-jeanie/749973/))
- Mar 19, 2025 — **AI to personalise deposit offers** Among regional lenders using AI on customer data to compete for deposits. ([Bloomberg](https://www.bloomberg.com/news/articles/2025-03-19/fifth-third-among-banks-using-ai-to-help-lure-customer-deposits))
- Feb 13, 2025 — **NLU training patent application published** 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. ([Google Patents (USPTO)](https://patents.google.com/patent/US20250054493A1/en))
- Jan 16, 2025 — **Four AI pillars and an Enterprise Data Office** 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. ([Forbes](https://forbes.com/sites/peterhigh/2025/01/16/fifth-third-banks-cio-on-ai-cloud-and-customer-centric-innovation))
- Dec 4, 2024 — **CIO: buy-partner-build, with Copilot at scale** 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. ([Fortune](https://fortune.com/2024/12/04/fifth-third-cio-ai-buy-rather-than-build/))
- Jun 21, 2024 — **Jeanie language-understanding overhaul and AI patent filings** 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. ([American Banker](https://americanbanker.com/news/overhauling-chatbots-harnessing-gen-ai-art-weston-fifth-third))
- Jan 19, 2016 — **NICE Actimize customer due diligence selected** 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). ([NICE (PR Newswire)](https://www.prnewswire.com/news-releases/nice-actimize-cdd-solution-selected-by-fifth-third-bancorp-for-its-customer-onboarding-risk-assessment-and-powerful-risk-rating-engine-565738381.html))

## Where AI runs

| Use case | What | Status | Detail | Sources |
| --- | --- | --- | --- | --- |
| [Customer-facing chatbots](https://www.bankingnewsai.com/ai-regulation/by-use-case#customer-chatbots) | Jeanie and the AI app interface | In production | AI assistant plus natural-language navigation with 150 intents. | [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1) |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | Brex agentic commercial cards | Rolling out | AI agents automating expense workflows for commercial clients. | [Fifth Third](https://onlinebanking.53.com/content/fifth-third/en/media-center/press-releases/2025/press-release-2025-12-09.html), [American Banker](https://www.americanbanker.com/payments/news/fifth-third-teams-up-with-brex-for-agentic-commercial-cards) |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | Newline MCP server with Skills | In production | Clients' AI models use the bank's payments tools through a standard protocol. | [Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html) |
| [AI governance (general)](https://www.bankingnewsai.com/ai-regulation/by-use-case#governance-general) | Merger-conversion monitoring | In production | AI tools tracking the Comerica integration. | [American Banker](https://www.americanbanker.com/news/fifth-third-says-its-using-ai-to-track-comerica-conversion) |
| [Fraud detection](https://www.bankingnewsai.com/ai-regulation/by-use-case#fraud) | Scam and impersonation defence | In production | Expanded scam investigations; AI named by the fraud director as accelerating the threat. | [Banking Dive](https://www.bankingdive.com/news/banks-scam-defenses-elder-fraud-fifth-third-star-one/823265/), [Fifth Third](https://onlinebanking.53.com/content/fifth-third/en/financial-insights/personal/fraud-protection/4-ways-to-stay-ahead-of-ai-scams.html) |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | AI-assisted software development and testing | In production | 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. | [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html) |
| [Model risk management](https://www.bankingnewsai.com/ai-regulation/by-use-case#model-risk) | AI risk-factor disclosure | In production | 10-K: internally built and third- or fourth-party AI could significantly affect the effectiveness of internal controls; AI raises cyber-attack risk. | [Fifth Third (SEC filing)](https://www.sec.gov/Archives/edgar/data/35527/000003552726000124/fitb-20251231.htm) |
| [Customer-facing chatbots](https://www.bankingnewsai.com/ai-regulation/by-use-case#customer-chatbots) | AI deposit personalisation | In production | AI tools on customer data to tailor deposit offers. | [Bloomberg](https://www.bloomberg.com/news/articles/2025-03-19/fifth-third-among-banks-using-ai-to-help-lure-customer-deposits) |
| [Cybersecurity](https://www.bankingnewsai.com/ai-regulation/by-use-case#cybersecurity) | Anthropic Project Glasswing access | Announced | 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. | [PYMNTS](https://pymnts.com/cybersecurity/2026/anthropic-recruits-fifth-third-for-project-glasswing-ai-cybersecurity-initiative) |
| [AI-generated code & coding agents](https://www.bankingnewsai.com/ai-regulation/by-use-case#ai-generated-code) | GitHub Copilot and AI code generation | In production | 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%. | [Fortune](https://fortune.com/2024/12/04/fifth-third-cio-ai-buy-rather-than-build/), [American Banker](https://www.americanbanker.com/news/fifth-thirds-cio-jude-schramm-is-28-on-the-most-innovative-people-in-finance-ranking), [Bloomberg](https://www.bloomberg.com/news/videos/2026-03-11/fifth-third-ceo-ai-writing-40-of-code-video), [Bloomberg Law](https://news.bloomberglaw.com/banking-law/fifth-third-sees-pretty-remarkable-ai-ability-to-cut-costs-1), [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html) |
| [Credit scoring & underwriting](https://www.bankingnewsai.com/ai-regulation/by-use-case#credit-underwriting) | AI upgrade of lending models | Announced | 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. | [Northwestern McCormick School of Engineering](https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html), [American Banker](https://www.americanbanker.com/news/fifth-thirds-cio-jude-schramm-is-28-on-the-most-innovative-people-in-finance-ranking) |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | Microsoft Copilot for employees | In production | Microsoft 365 Copilot at about 14,000 workers, about 5,000 of them daily users, with humans in the loop for decisions (December 2024). | [Fortune](https://fortune.com/2024/12/04/fifth-third-cio-ai-buy-rather-than-build/), [Forbes](https://forbes.com/sites/peterhigh/2025/01/16/fifth-third-banks-cio-on-ai-cloud-and-customer-centric-innovation) |
| [Customer-facing chatbots](https://www.bankingnewsai.com/ai-regulation/by-use-case#customer-chatbots) | Bilingual Jeanie and universal search | In production | 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. | [Investing.com](https://investing.com/news/transcripts/fifth-third-at-barclays-conference-comerica-deal-lifts-growth-plans-93CH-4901613), [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html) |

## Disclosed numbers

| Measure | Value | As of | Sources |
| --- | --- | --- | --- |
| Brex commercial card volume | $5.6 billion a year | Dec 9, 2025 | [Fifth Third](https://onlinebanking.53.com/content/fifth-third/en/media-center/press-releases/2025/press-release-2025-12-09.html) |
| Mobile app releases | 500+ in 2025, from ≈ 2 a year in 2021 | Jun 9, 2026 | [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-06-09.html) |
| AI interface intents | 150 | Jun 17, 2026 | [American Banker](https://www.americanbanker.com/news/fifth-third-injects-ai-into-its-mobile-app) |
| Newline Q1 2026 | deposits +$2.7 billion, fees +30% y/y | Apr 17, 2026 | [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202604170630BIZWIRE_USPRX____20260416_BW053198-1) |
| Colleague AI prompts | > 1 million in June 2026 | Jun 30, 2026 | [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html) |
| AI in engineering | 45% prompt accepted rate for new code; > 87% of unit testing automated | Jun 30, 2026 | [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html) |
| Jeanie intent-recognition accuracy / self-service containment | ≈ 20% → ≈ 90% / 3% → 42% since launch | Aug 12, 2026 | [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html) |
| Comerica acquisition | $10.9 billion; ≈ $288 billion combined assets | Oct 6, 2025 | [Bloomberg](https://www.bloomberg.com/news/audio/2025-10-06/stock-movers-amd-fifth-third-tesla-podcast) |
| Comerica customers carried into the Fifth Third brand | 500,000 | Oct 1, 2026 | [The Financial Brand](https://thefinancialbrand.com/banking-podcasts/fifth-third-succeeds-through-empowered-employees) |
| Comerica conversion scope | ≈ 600,000 customers' accounts, 293 banking centres, five states | Sep 8, 2026 | [Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html) |
| Microsoft Copilot / GitHub Copilot users | ≈ 14,000 workers (≈ 5,000 daily) / ≈ 450 engineers | Dec 4, 2024 | [Fortune](https://fortune.com/2024/12/04/fifth-third-cio-ai-buy-rather-than-build/) |
| Engineers equipped with AI tools | ≈ 1,000 | Jun 1, 2026 | [American Banker](https://www.americanbanker.com/news/fifth-thirds-cio-jude-schramm-is-28-on-the-most-innovative-people-in-finance-ranking) |
| Newline Q2 2026 | fee revenue +35% y/y; related deposits $5.3 billion (+$2.1 billion) | Jun 30, 2026 | [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html) |
| Real-time payments throughput / annualised tech savings | 35 → 140 transactions a second / $200 million | Jun 1, 2026 | [American Banker](https://www.americanbanker.com/news/fifth-thirds-cio-jude-schramm-is-28-on-the-most-innovative-people-in-finance-ranking) |
| Mobile app scale | > 2.4 million monthly users; > 1 billion digital interactions a year | Aug 12, 2026 | [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html) |
| AI-infrastructure lending exposure | software < 1% of loans; funded data centres < $100 million | Apr 17, 2026 | [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-fifth-third-bancorp-beats-eps-forecasts-in-q1-2026-93CH-4621035), [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html) |
| CEO estimate of AI-written code | 40% | Mar 11, 2026 | [Bloomberg](https://www.bloomberg.com/news/videos/2026-03-11/fifth-third-ceo-ai-writing-40-of-code-video), [Bloomberg Law](https://news.bloomberglaw.com/banking-law/fifth-third-sees-pretty-remarkable-ai-ability-to-cut-costs-1) |

## Quotes

> "At financial institutions, we should experiment more than maybe we have historically." — Tim Spence, Chairman and CEO, Mar 11, 2026 ([Bloomberg](https://www.bloomberg.com/news/articles/2026-03-11/fifth-third-sees-pretty-remarkable-outcome-of-ai-to-lower-cost))

> "We do intend to accelerate the pace of investments that we make in AI." — Tim Spence, Chairman, CEO and President, Jul 17, 2026 ([Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html))

> "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." — Ben Hoffman, Chief Strategy Officer, Jun 17, 2026 ([Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1))

> "These monitoring tools that are AI-powered have been very helpful for us to make sure that things are tracking as expected." — Bryan Preston, Chief Financial Officer, Jul 17, 2026 ([American Banker](https://www.americanbanker.com/news/fifth-third-says-its-using-ai-to-track-comerica-conversion))

> "When it hits at the core of deposit systems and loan systems, we've got to be really intentional." — Jude Schramm, Chief Information Officer, Jun 1, 2026 ([American Banker](https://www.americanbanker.com/news/fifth-thirds-cio-jude-schramm-is-28-on-the-most-innovative-people-in-finance-ranking))

> "Jeanie is our chatbot which continues to get smarter and smarter every day." — Jamie Leonard, Chief Operating Officer, Sep 15, 2026 ([Investing.com](https://investing.com/news/transcripts/fifth-third-at-barclays-conference-comerica-deal-lifts-growth-plans-93CH-4901613))

> "We have no doom loops in our systems, so no one gets trapped in our box." — Art Weston, Director of AI Transformation, Jun 21, 2024 ([American Banker](https://americanbanker.com/news/overhauling-chatbots-harnessing-gen-ai-art-weston-fifth-third))

> "We think it was a reflection of just the role we play in the payments ecosystem in the country today." — Bryan Preston, Chief Financial Officer, Jun 10, 2026 ([PYMNTS](https://pymnts.com/cybersecurity/2026/anthropic-recruits-fifth-third-for-project-glasswing-ai-cybersecurity-initiative))

## Who runs AI

- **Tim Spence** — Chairman, CEO and President ([Bloomberg](https://www.bloomberg.com/news/articles/2026-03-11/fifth-third-sees-pretty-remarkable-outcome-of-ai-to-lower-cost), [CNBC](https://www.cnbc.com/video/2025/12/09/fifth-third-bancorp-ceo-tim-spence-on-new-partnership-with-brex.html))
- **Jude Schramm** — Chief Information Officer ([LinkedIn](https://www.linkedin.com/in/judeschramm/)) ([American Banker](https://www.americanbanker.com/news/fifth-thirds-cio-jude-schramm-is-28-on-the-most-innovative-people-in-finance-ranking), [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-06-09.html))
- **Ben Hoffman** — Chief Strategy Officer and Head of Consumer Products ([LinkedIn](https://www.linkedin.com/in/ben-hoffman-22a44412/)) ([Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1))
- **Bryan Preston** — Chief Financial Officer ([American Banker](https://www.americanbanker.com/news/fifth-third-says-its-using-ai-to-track-comerica-conversion))
- **Jay Plum** — Head of Consumer Lending ([LinkedIn](https://www.linkedin.com/in/jay-plum-10b4806/)) ([American Banker](https://www.americanbanker.com/news/fifth-third-official-ai-will-help-banks-out-code-vendors))
- **Melissa Stevens** — Chief Marketing Officer ([The Financial Brand](https://thefinancialbrand.com/banking-podcasts/fifth-third-succeeds-through-empowered-employees))
- **Jay Budzik** — Senior Vice President, AI (manages AI scientists across consumer products and central operations) ([Northwestern McCormick School of Engineering](https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html))
- **Art Weston** — Director of AI Transformation (as of June 2024); named inventor on the bank's AI patents ([American Banker](https://americanbanker.com/news/overhauling-chatbots-harnessing-gen-ai-art-weston-fifth-third), [Google Patents (USPTO)](https://patents.google.com/patent/US12482454B2/en), [Google Patents (USPTO)](https://patents.google.com/patent/US12556388B1/en))
- **Jamie Leonard** — Chief Operating Officer ([Fifth Third (SEC filing)](https://www.sec.gov/Archives/edgar/data/35527/000003552726000124/fitb-20251231.htm), [Investing.com](https://investing.com/news/transcripts/fifth-third-at-barclays-conference-comerica-deal-lifts-growth-plans-93CH-4901613), [American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-top-teams-5-fifth-third-bank))
- **Bridgit Chayt** — Head of Commercial Payments (includes Newline) ([Fifth Third](https://onlinebanking.53.com/content/fifth-third/en/media-center/press-releases/2025/press-release-2025-12-09.html), [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-06-05.html), [American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-top-teams-5-fifth-third-bank))
- **Sushil Raja** — General Manager, Newline (embedded banking platform) ([Banking Dive](https://www.bankingdive.com/news/fifth-third-lures-fintech-head-from-hsbc/826468/))
- **Tom Bianco** — Former General Manager, Newline (Sushil Raja held the role by July 2026) ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-04-13.html), [Banking Dive](https://www.bankingdive.com/news/fifth-third-lures-fintech-head-from-hsbc/826468/))
- **Robert Shaffer** — Executive Vice President and Chief Risk Officer ([Fifth Third (SEC filing)](https://www.sec.gov/Archives/edgar/data/35527/000003552726000124/fitb-20251231.htm))
- **Erin Crawford** — Vice President, Head of Consumer Digital, Payments and Money Management ([Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/small-business/articles/fifth-third-trust-recognized-best-131700576.html))

## Open AI roles

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

4 open AI-related postings on [the careers site](https://fifththird.wd5.myworkdayjobs.com/en-US/53careers) as of Oct 25, 2026. A snapshot of current openings, not a source: postings close.

- [Principal AI Engineer - AI Transformation](https://fifththird.wd5.myworkdayjobs.com/en-US/53careers/job/Cincinnati-OH/Principal-AI-Engineer---AI-Transformation_R70651) — Cincinnati OH (+3 more) — posted Oct 9, 2026
- [AI Engineer - Automated Channels Transformation](https://fifththird.wd5.myworkdayjobs.com/en-US/53careers/job/Cincinnati-OH/AI-Engineer---Automated-Channels-Transformation_R67478-1) — Cincinnati, OH — posted Oct 19, 2026
- [Data Scientist](https://fifththird.wd5.myworkdayjobs.com/en-US/53careers/job/Cincinnati-OH/Data-Scientist_R73982) — Cincinnati, OH — posted Oct 15, 2026
- [Data Scientist - Analytics Engineer](https://fifththird.wd5.myworkdayjobs.com/en-US/53careers/job/Cincinnati-OH/Data-Scientist---Analytics-Engineer_R74230) — Cincinnati OH (+2 more) — posted Oct 21, 2026

## Which AI vendors and fintechs does Fifth Third work with?

| Company | What Fifth Third uses it for | Status | Category |
| --- | --- | --- | --- |
| [NICE Actimize](https://www.bankingnewsai.com/vendors/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](https://www.bankingnewsai.com/ai-tools/aml-compliance) |
| [Microsoft 365 Copilot](https://www.bankingnewsai.com/vendors/microsoft-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](https://www.bankingnewsai.com/ai-tools/enterprise-ai-assistants) |
| [Claude (Anthropic)](https://www.bankingnewsai.com/vendors/anthropic-claude) | Invited into Anthropic's Project Glasswing cybersecurity programme (June 2026); what the bank does with the access is not public. | Announced | [Enterprise AI assistants](https://www.bankingnewsai.com/ai-tools/enterprise-ai-assistants) |
| [GitHub Copilot](https://www.bankingnewsai.com/vendors/github-copilot) | About 450 engineers on GitHub Copilot by December 2024, per the CIO. | In production | [Enterprise AI assistants](https://www.bankingnewsai.com/ai-tools/enterprise-ai-assistants) |
| [Brex](https://www.bankingnewsai.com/fintech/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. [AI tools for banks](https://www.bankingnewsai.com/ai-tools) · [fintech and neobank AI dossiers](https://www.bankingnewsai.com/fintech).

## Regulators it answers to

- [OCC](https://www.bankingnewsai.com/ai-regulation/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. See [OCC Bulletin 2026-13](https://www.bankingnewsai.com/ai-regulation/documents/occ-bulletin-2026-13), [OCC Semiannual Risk Perspective, Spring 2026](https://www.bankingnewsai.com/ai-regulation/documents/occ-semiannual-risk-perspective-spring-2026).
- [CFPB](https://www.bankingnewsai.com/ai-regulation/cfpb) — Jeanie and the AI interface are consumer chatbots; UDAAP and the CFPB's chatbot spotlight apply. See [CFPB Chatbots in Consumer Finance (issue spotlight, 2023)](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-chatbots-in-consumer-finance-2023).
- [Federal Reserve](https://www.bankingnewsai.com/ai-regulation/federal-reserve) — Brex and Newline clients are third-party relationships under the interagency guidance. See [SR 23-4](https://www.bankingnewsai.com/ai-regulation/documents/fed-sr-23-4).
- [NIST](https://www.bankingnewsai.com/ai-regulation/nist) — An MCP server exposing bank tools to external AI models is the agent-identity and authorisation problem NIST's agent work addresses. See [CAISI RFI on AI agent security (2026)](https://www.bankingnewsai.com/ai-regulation/documents/nist-caisi-rfi-ai-agent-security-2026).

## What the record suggests

### 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.

### 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.

### 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.

### '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.

## FAQ

### 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.

## Sources (50)

1. Fifth Third's Jeanie Named Best Chatbot by Tearsheet AI Innovation Awards — Fifth Third, Aug 12, 2026. https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html
2. Fifth Third Launches AI-Powered Interface in Mobile App — Fifth Third via FT Markets, Jun 17, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1
3. Fifth Third's Newline Extends MCP Server Capabilities with Skills — Fifth Third (Business Wire via Yahoo Finance), Apr 13, 2026. https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html
4. Fifth Third's Newline Recognized by American Banker for Powering Next-Generation Payments Infrastructure — Fifth Third, Jun 5, 2026. https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-06-05.html
5. Fifth Third and Brex Partner to Bring AI-Powered Finance to Businesses, Unlocking $5.6B in Commercial Card Volume — Fifth Third, Dec 9, 2025. https://onlinebanking.53.com/content/fifth-third/en/media-center/press-releases/2025/press-release-2025-12-09.html
6. American Banker Names Jude Schramm to Most Innovative People in Finance List — Fifth Third, Jun 9, 2026. https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-06-09.html
7. 4 Ways to Stay Ahead of AI Scams — Fifth Third, Sep 29, 2025. https://onlinebanking.53.com/content/fifth-third/en/financial-insights/personal/fraud-protection/4-ways-to-stay-ahead-of-ai-scams.html
8. Fifth Third's CIO is focused on enterprise-viable AI — American Banker, Jun 1, 2026. https://www.americanbanker.com/news/fifth-thirds-cio-jude-schramm-is-28-on-the-most-innovative-people-in-finance-ranking
9. Fifth Third official: AI will help banks 'out-code' vendors — American Banker, Apr 9, 2026. https://www.americanbanker.com/news/fifth-third-official-ai-will-help-banks-out-code-vendors
10. Fifth Third's Newline is one of the Innovation of the Year honorees — American Banker, Jun 1, 2026. https://www.americanbanker.com/news/fifth-thirds-newline-is-one-of-the-innovation-of-the-year-honorees
11. Fifth Third injects AI into its mobile app — American Banker, Jun 17, 2026. https://www.americanbanker.com/news/fifth-third-injects-ai-into-its-mobile-app
12. Fifth Third says it's using AI to track Comerica conversion — American Banker, Jul 17, 2026. https://www.americanbanker.com/news/fifth-third-says-its-using-ai-to-track-comerica-conversion
13. Fifth Third stakes claim in agentic payments with Brex — American Banker, Dec 10, 2025. https://www.americanbanker.com/payments/news/fifth-third-teams-up-with-brex-for-agentic-commercial-cards
14. Fifth Third, Brex sign commercial cards agreement — CNBC, Dec 9, 2025. https://www.cnbc.com/2025/12/09/fifth-third-bank-brex-commercial-cards-agreement.html
15. Fifth Third Bancorp CEO Tim Spence on new partnership with Brex — CNBC, Dec 9, 2025. https://www.cnbc.com/video/2025/12/09/fifth-third-bancorp-ceo-tim-spence-on-new-partnership-with-brex.html
16. Fifth Third Sees 'Pretty Remarkable' AI Ability to Lower Costs — Bloomberg, Mar 11, 2026. https://www.bloomberg.com/news/articles/2026-03-11/fifth-third-sees-pretty-remarkable-outcome-of-ai-to-lower-cost
17. Fifth Third Among Banks Using AI to Help Lure Customer Deposits — Bloomberg, Mar 19, 2025. https://www.bloomberg.com/news/articles/2025-03-19/fifth-third-among-banks-using-ai-to-help-lure-customer-deposits
18. Stock Movers: AMD, Fifth Third, Tesla (Comerica deal) — Bloomberg, Oct 6, 2025. https://www.bloomberg.com/news/audio/2025-10-06/stock-movers-amd-fifth-third-tesla-podcast
19. Comerica shareholders approve $10.9 billion deal with Fifth Third Bancorp — Reuters, Jan 6, 2026. https://www.reuters.com/sustainability/sustainable-finance-reporting/comerica-shareholders-approve-109-billion-deal-with-fifth-third-bancorp-2026-01-06/
20. Fifth Third Bancorp Reports First Quarter 2026 Earnings — Business Wire via FT Markets, Apr 17, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202604170630BIZWIRE_USPRX____20260416_BW053198-1
21. Fifth Third Bancorp Annual Report on Form 10-K for 2025 — Fifth Third (SEC filing), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/35527/000003552726000124/fitb-20251231.htm
22. Fifth Third (FITB) Q2 2026 Earnings Call Transcript — Motley Fool (Yahoo Finance), Jul 17, 2026. https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html
23. Fifth Third Bancorp presentation at the 2026 Barclays Global Financial Services Conference (Form 8-K, Exhibit 99.1) — Fifth Third (SEC filing), Sep 14, 2026. https://www.sec.gov/Archives/edgar/data/35527/000003552726000219/a2026barclaysconference-.htm
24. Fifth Third takes 'intentionally unsexy' approach to mobile app improvements — Banking Dive, Jun 6, 2025. https://www.bankingdive.com/news/fifth-third-bank-mobile-app-improvements-ai-strategy-jeanie/749973/
25. Fifth Third lures commercial fintech head from HSBC — Banking Dive, Jul 29, 2026. https://www.bankingdive.com/news/fifth-third-lures-fintech-head-from-hsbc/826468/
26. How Fifth Third, Star One are fighting elder fraud — Banking Dive, Jun 18, 2026. https://www.bankingdive.com/news/banks-scam-defenses-elder-fraud-fifth-third-star-one/823265/
27. NICE Actimize CDD Solution Selected by Fifth Third Bancorp for its Customer Onboarding Risk Assessment and Powerful Risk Rating Engine — NICE (PR Newswire), Jan 19, 2016. https://www.prnewswire.com/news-releases/nice-actimize-cdd-solution-selected-by-fifth-third-bancorp-for-its-customer-onboarding-risk-assessment-and-powerful-risk-rating-engine-565738381.html
28. Fifth Third Succeeds Through Empowered Employees (undated page, retrieved 2026-10-01) — The Financial Brand, Oct 1, 2026. https://thefinancialbrand.com/banking-podcasts/fifth-third-succeeds-through-empowered-employees
29. Overhauling chatbots, harnessing gen AI: Art Weston, Fifth Third — American Banker, Jun 21, 2024. https://americanbanker.com/news/overhauling-chatbots-harnessing-gen-ai-art-weston-fifth-third
30. Why Fifth Third's CIO mostly buys rather than builds tech in the race to compete against banking giants — Fortune, Dec 4, 2024. https://fortune.com/2024/12/04/fifth-third-cio-ai-buy-rather-than-build/
31. Fifth Third Bank's CIO On AI, Cloud And Customer-Centric Innovation — Forbes, Jan 16, 2025. https://forbes.com/sites/peterhigh/2025/01/16/fifth-third-banks-cio-on-ai-cloud-and-customer-centric-innovation
32. US 2025/0054493 A1: Methods and systems for training and deploying natural language understanding models (applicant Fifth Third Bank NA; filed 2023-08-10) — Google Patents (USPTO), Feb 13, 2025. https://patents.google.com/patent/US20250054493A1/en
33. US 12,482,454 B2: Methods and systems for training and deploying natural language understanding models (assignee Fifth Third Bank NA) — Google Patents (USPTO), Nov 25, 2025. https://patents.google.com/patent/US12482454B2/en
34. US 12,556,388 B1: Security framework for artificial intelligence systems (assignee Fifth Third Bank NA; filed 2024-08-19) — Google Patents (USPTO), Feb 17, 2026. https://patents.google.com/patent/US12556388B1/en
35. US 11,868,865 B1: Systems and methods for cash structuring activity monitoring (assignee Fifth Third Bank NA; filed 2023-06-08) — Google Patents (USPTO), Jan 9, 2024. https://patents.google.com/patent/US11868865B1/en
36. Watch Fifth Third CEO: AI Writing 40% of Code — Bloomberg, Mar 11, 2026. https://www.bloomberg.com/news/videos/2026-03-11/fifth-third-ceo-ai-writing-40-of-code-video
37. Fifth Third Sees 'Pretty Remarkable' AI Ability to Cut Costs (1) — Bloomberg Law, Mar 11, 2026. https://news.bloomberglaw.com/banking-law/fifth-third-sees-pretty-remarkable-ai-ability-to-cut-costs-1
38. Fifth Third (FITB) Q1 2026 Earnings Transcript — earnings call transcript (The Motley Fool), Apr 17, 2026. https://fool.com/earnings/call-transcripts/2026/04/17/fifth-third-fitb-q1-2026-earnings-transcript
39. Earnings call transcript: Fifth Third Bancorp beats EPS forecasts in Q1 2026 — Investing.com, Apr 17, 2026. https://investing.com/news/transcripts/earnings-call-transcript-fifth-third-bancorp-beats-eps-forecasts-in-q1-2026-93CH-4621035
40. Fifth Third Bancorp Form 8-K, Item 2.01: Completion of Acquisition or Disposition of Assets (Comerica) — Fifth Third (SEC filing), Feb 2, 2026. https://www.sec.gov/Archives/edgar/data/35527/000119312526032625/d642888d8k.htm
41. Fifth Third CEO on Comerica integration: So far, so good — American Banker, Apr 17, 2026. https://www.americanbanker.com/news/fifth-third-ceo-on-comerica-integration-so-far-so-good
42. Fifth Third Bancorp Quarterly Report on Form 10-Q for the quarter ended 31 March 2026 — Fifth Third (SEC filing), May 5, 2026. https://www.sec.gov/Archives/edgar/data/35527/000003552726000182/fitb-20260331.htm
43. Fifth Third Bancorp Quarterly Report on Form 10-Q for the quarter ended 30 June 2026 — Fifth Third (SEC filing), Aug 4, 2026. https://www.sec.gov/Archives/edgar/data/35527/000003552726000202/fitb-20260630.htm
44. Fifth Third Joins Anthropic's Project Glasswing — PYMNTS, Jun 10, 2026. https://pymnts.com/cybersecurity/2026/anthropic-recruits-fifth-third-for-project-glasswing-ai-cybersecurity-initiative
45. Fifth Third Completes Comerica Technology and Brand Conversion — Fifth Third, Sep 8, 2026. https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html
46. Fifth Third at Barclays conference: Comerica deal lifts growth plans (transcript) — Investing.com, Sep 15, 2026. https://investing.com/news/transcripts/fifth-third-at-barclays-conference-comerica-deal-lifts-growth-plans-93CH-4901613
47. Alum Spotlight: Jay Budzik (PhD '03) — Northwestern McCormick School of Engineering, Oct 12, 2026. https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html
48. Fifth Third's Newline Extends MCP Server Capabilities with Skills — Fifth Third, Apr 13, 2026. https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-04-13.html
49. The Most Powerful Women in Banking, Top Teams, #5, Fifth Third Bank — American Banker, Oct 1, 2026. https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-top-teams-5-fifth-third-bank
50. Fifth Third and Trust & Will Recognized as Best Fintech Partnership by Finovate — Fifth Third (Business Wire via Yahoo Finance), Sep 24, 2026. https://finance.yahoo.com/small-business/articles/fifth-third-trust-recognized-best-131700576.html

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