# Fifth Third Bancorp: Technology stack

Source: https://www.bankingnewsai.com/banks/fifth-third/technology-stack
Last updated: Oct 16, 2026

*Part of the [Fifth Third Bancorp AI strategy profile](https://www.bankingnewsai.com/banks/fifth-third).*

## 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. ([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/), [Fifth Third (SEC filing)](https://www.sec.gov/Archives/edgar/data/35527/000003552726000197/a2026bostonroadshow-fina.htm), [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-06-09.html), [Payments Dive](https://www.paymentsdive.com/news/fifth-third-buys-cash-management-software-dts-connex/758310/), [American Banker](https://www.americanbanker.com/news/fifth-thirds-cio-jude-schramm-is-28-on-the-most-innovative-people-in-finance-ranking), [Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-fifth-third-bancorp-beats-q4-2025-eps-forecast-93CH-4455871), [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html), [Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html), [Banking Dive](https://www.bankingdive.com/news/fifth-third-bank-mobile-app-improvements-ai-strategy-jeanie/749973/))

## 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 | Sources |
| --- | --- | --- | --- |
| 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 | [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) |
| Cloud reliance | The 10-K says cloud technologies are critical to the bank's systems and reliance on them is growing | February 2025 | [Fifth Third (SEC filing)](https://www.sec.gov/Archives/edgar/data/35527/000003552725000079/fitb-20241231.htm) |
| Data | Enterprise Data Office for regulatory reporting and data accuracy; Ataccama data-quality platform to centralise data management across business lines | January 2025 | [Forbes](https://forbes.com/sites/peterhigh/2025/01/16/fifth-third-banks-cio-on-ai-cloud-and-customer-centric-innovation), [Finextra](https://www.finextra.com/pressarticle/103753/fifth-third-bank-centralises-data-management-with-ataccama) |
| 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 | [Fortune](https://fortune.com/2024/12/04/fifth-third-cio-ai-buy-rather-than-build/) |
| 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 | [Fifth Third (SEC filing)](https://www.sec.gov/Archives/edgar/data/35527/000003552726000197/a2026bostonroadshow-fina.htm), [Banking Dive](https://www.bankingdive.com/news/fifth-third-bank-mobile-app-enhancements-comerica-money2020/804263/), [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-03-20-2.html) |
| 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 | [Fifth Third](https://locations.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-04-13.html), [American Banker](https://www.americanbanker.com/payments/news/how-fifth-third-grew-embedded-banking-fee-revenue-53-in-2025) |
| Real-time payments | Throughput raised from 35 to 140 transactions a second; technology changes save $200 million a year | June 2026 | [American Banker](https://www.americanbanker.com/news/fifth-thirds-cio-jude-schramm-is-28-on-the-most-innovative-people-in-finance-ranking) |
| 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 | [American Banker](https://www.americanbanker.com/news/fifth-thirds-cio-jude-schramm-is-28-on-the-most-innovative-people-in-finance-ranking), [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html) |

## What do the numbers say about Fifth Third's technology output?

| Metric | Value | As of | Sources |
| --- | --- | --- | --- |
| Mobile app releases | About 2 a year in 2021; more than 500 in 2025 | June 2026 | [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-06-09.html) |
| App updates shipped | More than 400 in 2025, including direct deposit switching, a financial wellness hub and estate planning | January 2026 | [Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-fifth-third-bancorp-beats-q4-2025-eps-forecast-93CH-4455871), [PYMNTS](https://www.pymnts.com/news/banking/2026/fifth-third-says-new-banking-app-drives-engagement-originations/) |
| Active digital / mobile users | 3.27 million / 2.57 million average | Q2 2026 | [Fifth Third (SEC filing)](https://www.sec.gov/Archives/edgar/data/35527/000003552726000193/fifththirdbancorppresent.htm) |
| Digital originations | 98% of mortgage applications digitally assisted; 29% of new consumer deposit accounts opened digitally | Q2 2026 | [Fifth Third (SEC filing)](https://www.sec.gov/Archives/edgar/data/35527/000003552726000193/fifththirdbancorppresent.htm) |
| Technology and communications expense | $474 million in 2024; $123 million in Q1 2025 | 2024; Q1 2025 | [Banking Dive](https://www.bankingdive.com/news/fifth-third-bank-mobile-app-improvements-ai-strategy-jeanie/749973/), [Bank Automation News](https://bankautomationnews.com/banking/fifth-third-sees-mobile-adoption-rise/) |
| Value-stream savings | $200 million annualized run rate from automation and process redesign | Q4 2025 | [Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-fifth-third-bancorp-beats-q4-2025-eps-forecast-93CH-4455871) |
| Comerica conversion | About 600,000 customers' accounts and 293 banking centres in five states moved over Labor Day weekend | September 8, 2026 | [Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html) |

## What does the Fifth Third profile record on this topic?

| Date | Move | Detail | Sources |
| --- | --- | --- | --- |
| 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 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) |
| 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 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) |
| 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 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) |
| Feb 1, 2026 | Comerica merger closes | Closed in under four months; the systems conversion is scheduled for Labor Day weekend. | [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 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/) |
| 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) |

## Common questions

### 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.
## Deeper on Fifth Third

- [What is Fifth Third's AI strategy?](https://www.bankingnewsai.com/banks/fifth-third/ai-strategy)
- [What AI patents, research and partnerships does Fifth Third have?](https://www.bankingnewsai.com/banks/fifth-third/ai-research-patents-partnerships)
- [What is Jeanie, and how does Fifth Third use AI in its virtual assistant?](https://www.bankingnewsai.com/banks/fifth-third/virtual-assistant)
- [How does Fifth Third use AI in payments?](https://www.bankingnewsai.com/banks/fifth-third/payments-ai)


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