What technology stack does Fifth Third run?
Fifth Third runs a hybrid cloud: CIO Jude Schramm spent his first 18 months on data centres, networks and cloud, building private-cloud capabilities and partnering with Amazon for public cloud, and says the two are integrated. He buys more than he builds (nCino for commercial loan operations, Workday for HR, Microsoft for generative AI) under a rule that the bank customizes no more than 5% of any third-party platform, yet nearly 50% of his team are engineers in cloud, data, security and full-stack development. The consumer app was rebuilt cloud-native in 2022, after which releases rose from about two a year in 2021 to more than 500 in 2025; Newline is an API-first embedded-payments platform built partly on the 2023 Rize acquisition. Technology changes have raised real-time payments throughput from 35 to 140 transactions a second, and value-stream automation reached $200 million of annualized savings by early 2026. About 1,000 engineers use AI tools, and by Q2 2026 over 87% of unit testing was automated by AI. The Comerica conversion, the largest technology project of 2026, moved about 600,000 customers' accounts over Labor Day weekend. Technology and communications spend was $474 million in 2024.[1][2][3][4][5][6][7][8][9][10]
Data as of Oct 16, 2026 · Fifth Third profile updated Oct 13, 2026 · 28 sources cited on this page · 140 banks profiled on this site · Markdown
What are the main components of Fifth Third's technology stack?
From executive interviews, filings and releases. Fifth Third does not publish its core-banking vendor.
| Layer | What is on the record | Date |
|---|---|---|
| Infrastructure | New data centres and upgraded mainframes early in the CIO's tenure ('boring hard work'); private cloud integrated with Amazon public cloud | 2024-2025[2][1] |
| Cloud reliance | The 10-K says cloud technologies are critical to the bank's systems and reliance on them is growing | February 2025[11] |
| Data | Enterprise Data Office for regulatory reporting and data accuracy; Ataccama data-quality platform to centralise data management across business lines | January 2025[1][12] |
| Bought platforms | nCino (commercial loan operations), Workday (HR), Microsoft 365 and GitHub Copilot; no more than 5% customisation of any third-party platform; business and IT align every 10 weeks | December 2024[2] |
| Consumer app | Cloud-native mobile app launched 2022; APIs used to 'control the experience' even with fintech partners such as Atomic; Plan financial hub and cash-flow insights (2025-2026) | 2022-2026[3][13][14] |
| Embedded payments | Newline: BIN sponsorship and an API-driven platform; Newline plans 'a more API-first design' for deposit programs; MCP server for AI agents | 2023-2026[15][16] |
| Real-time payments | Throughput raised from 35 to 140 transactions a second; technology changes save $200 million a year | June 2026[6] |
| Engineering with AI | About 1,000 engineers on AI tools; 45% prompt accepted rate for new code and over 87% of unit testing automated by AI in Q2 2026 | June-July 2026[6][8] |
What do the numbers say about Fifth Third's technology output?
| Metric | Value | As of |
|---|---|---|
| Mobile app releases | About 2 a year in 2021; more than 500 in 2025 | June 2026[4] |
| App updates shipped | More than 400 in 2025, including direct deposit switching, a financial wellness hub and estate planning | January 2026[7][17] |
| Active digital / mobile users | 3.27 million / 2.57 million average | Q2 2026[18] |
| Digital originations | 98% of mortgage applications digitally assisted; 29% of new consumer deposit accounts opened digitally | Q2 2026[18] |
| Technology and communications expense | $474 million in 2024; $123 million in Q1 2025 | 2024; Q1 2025[10][19] |
| Value-stream savings | $200 million annualized run rate from automation and process redesign | Q4 2025[7] |
| Comerica conversion | About 600,000 customers' accounts and 293 banking centres in five states moved over Labor Day weekend | September 8, 2026[9] |
What does the Fifth Third profile record on this topic?
The rows below are the entries of the Fifth Third AI strategy profile that bear on this page, as of Oct 13, 2026; the profile holds the full record of 32 dated moves, 13 use cases and 47 sources.
| Use case | What the record shows | Status | Source |
|---|---|---|---|
| Merger-conversion monitoring | AI tools tracking the Comerica integration. | In production | [20] |
| AI-assisted software development and testing | 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 | [8] |
| GitHub Copilot and AI code generation | 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 (video blurb only) and the Q2 2026 prompt accepted rate for new code was 45%. | In production | [2][6][21][8] |
| Microsoft Copilot for employees | 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 | [2][1] |
| Bilingual Jeanie and universal search | 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 | [22][23] |
| Date | Move | Detail | Source |
|---|---|---|---|
| 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. | [22] |
| 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. | [9] |
| 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. | [8] |
| Jul 17, 2026 | AI tracks the Comerica conversion | CFO: AI tools aggregate and analyse conversion conversations and flag schedule slips. | [20] |
| 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'. | [6] |
| 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. | [24][25][26] |
| 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. | [27] |
| 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. | [21] |
| Feb 1, 2026 | Comerica merger closes | Closed in under four months; the systems conversion is scheduled for Labor Day weekend. | [26][9] |
| 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. | [1] |
| 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. | [2] |
| 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). | [28] |
Is Fifth Third on the public cloud?
Partly. CIO Jude Schramm told Forbes in January 2025 that the bank built private-cloud capabilities and partnered with Amazon for public cloud, and that the strategy 'integrates our public cloud with our private cloud'. The 10-K says the bank's reliance on cloud technologies is growing. Fifth Third has not said what share of workloads run in AWS.
Does Fifth Third build or buy its technology?
Mostly buy, by design. Schramm told Fortune in December 2024 that with about a twentieth of JPMorgan's technology budget the bank leans into partnerships, using nCino, Workday and Microsoft, and customizes no more than 5% of any third-party platform. It builds where it differentiates: the mobile app, Jeanie's language-understanding models and the Newline platform.
How is Fifth Third using AI in software engineering?
About 1,000 engineers had AI tools by June 2026, up from nearly 450 on GitHub Copilot in December 2024. On the July 2026 call CEO Tim Spence reported a 45% prompt accepted rate for new code and over 87% of unit testing automated by AI; in March he had told Bloomberg that AI writes about 40% of the bank's code.
What core banking system does Fifth Third use?
The bank has not named its core deposit or loan system publicly. What is on the record is the mainframe upgrades and new data centres early in the CIO's tenure, nCino for commercial loan operations, and consumer lending head Jay Plum's April 2026 argument that AI will let banks 'out-code' and reduce reliance on core providers.
- Fifth Third Bank's CIO On AI, Cloud And Customer-Centric Innovation
- Why Fifth Third's CIO mostly buys rather than builds tech in the race to compete against banking giants
- Fifth Third Bancorp Boston roadshow presentation (Form 8-K, Exhibit 99.1)
- American Banker Names Jude Schramm to Most Innovative People in Finance List
- Fifth Third buys payments player (DTS Connex)
- Fifth Third's CIO is focused on enterprise-viable AI
- Earnings call transcript: Fifth Third Bancorp beats Q4 2025 EPS forecast
- Fifth Third (FITB) Q2 2026 Earnings Call Transcript
- Fifth Third Completes Comerica Technology and Brand Conversion
- Fifth Third takes 'intentionally unsexy' approach to mobile app improvements
- Fifth Third Bancorp Annual Report on Form 10-K for 2024
- Fifth Third Bank centralises data management with Ataccama (external press article)
- Fifth Third aims to 'reset the narrative'
- Fifth Third Introduces Cash Flow and Spending Insights to Help Customers Take Control of Their Finances
- Fifth Third's Newline Extends MCP Server Capabilities with Skills
- How Fifth Third grew embedded banking fee revenue 53% in 2025
- Fifth Third Says New Banking App Drives Engagement, Originations
- Fifth Third Bancorp 2Q26 earnings presentation (Form 8-K, Exhibit 99.2)
- Fifth Third sees mobile adoption rise
- Fifth Third says it's using AI to track Comerica conversion
- Watch Fifth Third CEO: AI Writing 40% of Code
- Fifth Third at Barclays conference: Comerica deal lifts growth plans (transcript)
- Fifth Third's Jeanie Named Best Chatbot by Tearsheet AI Innovation Awards
- Fifth Third (FITB) Q1 2026 Earnings Transcript
- Earnings call transcript: Fifth Third Bancorp beats EPS forecasts in Q1 2026
- Fifth Third CEO on Comerica integration: So far, so good
- Fifth Third official: AI will help banks 'out-code' vendors
- NICE Actimize CDD Solution Selected by Fifth Third Bancorp for its Customer Onboarding Risk Assessment and Powerful Risk Rating Engine
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