# Fifth Third Bancorp vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/fifth-third/vs-peers
Last updated: Oct 20, 2026

*Part of the [Fifth Third Bancorp AI strategy profile](https://www.bankingnewsai.com/banks/fifth-third). Peer group: Huntington Bancshares, PNC Financial Services, KeyCorp (KeyBank), Regions Financial, U.S. Bancorp, Citizens Financial Group, Truist Financial, BMO (U.S.).*

## How does Fifth Third Bancorp compare with its peers on AI and technology?

Fifth Third scores 84 on this site's US AI disclosure index (#14 of 120), fourth of the nine Midwest and Southeast super-regionals in its peer group, behind BMO's US bank (85.8) and Citizens (85.3), level with Huntington (84.2) and Regions (83.8), and ahead of Truist (82.6), U.S. Bancorp (81.3), KeyBank (80) and PNC (68.2). It leads the group on independent coverage, with 26 outside sources against a median of 18.5. Three things set it apart. It builds AI for other companies' agents: Newline, its embedded-payments platform, launched a Model Context Protocol server in December 2025, which CEO Tim Spence called a first among US banks, and added Skills in April 2026; for its own commercial clients it made Brex the card provider, bringing Brex's AI agents to $5.6 billion of annual card volume. Its assistant is measured: Jeanie's intent accuracy rose from about 20% to about 90% and self-service containment from 3% to 42%, and it won Tearsheet's 2026 best chatbot award; Citizens reports a 44% cut in mobile-banking calls from CiZi. And it publishes engineering metrics: more than 1 million AI prompts in June 2026, a 45% accepted rate for AI-written code and over 87% of unit testing automated. Where it trails is counted agents and use cases: Huntington reports 50 AI agents in production (April 2026) and PNC says about 115 agents built its new mobile app. ([Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-fifth-third-bancorp-beats-q4-2025-eps-forecast-93CH-4455871), [Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html), [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-2026-08-12.html), [American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-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), [Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/))

## Where does Fifth Third lead its peers on AI?

- **Agent-ready payments rails for clients.** Newline launched a Model Context Protocol server in December 2025 so clients' AI agents get standardized access to its payments APIs, and added Skills in April 2026; Newline's fees rose 35% year on year in Q2 2026 with related deposits of $5.3 billion. Spence called the MCP server a first among US banks; Morgan Stanley opened its stock-plan platforms to clients' agents by the same protocol only in June 2026. ([Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-fifth-third-bancorp-beats-q4-2025-eps-forecast-93CH-4455871), [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-04-13.html), [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html), [CNBC](https://www.cnbc.com/2026/06/03/ai-agents-morgan-stanley-wealth-management-funnel.html))
- **A measured, award-winning consumer assistant.** Jeanie's intent accuracy rose from about 20-25% at launch to about 90% and self-service containment from 3% to 42%; it won Best Chatbot at Tearsheet's 2026 AI Innovation Awards and in June 2026 gained an AI interface with 150 intents. Truist reports its chatbot resolved 81% of Truist Assist inquiries in Q3 2025 and Citizens a 44% cut in mobile-banking calls from CiZi. ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [American Banker](https://americanbanker.com/news/overhauling-chatbots-harnessing-gen-ai-art-weston-fifth-third), [Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm), [American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking))
- **The most outside coverage in the group.** Fifth Third has 26 independent sources on its AI against a peer median of 18.5, first of nine; Citizens and KeyBank have 25 each and Huntington 19. Independent coverage carries 45% of the index weight, which keeps Fifth Third close to the top of the group despite fewer primary disclosures. ([Bloomberg](https://www.bloomberg.com/news/articles/2026-03-11/fifth-third-sees-pretty-remarkable-outcome-of-ai-to-lower-cost), [American Banker](https://www.americanbanker.com/news/fifth-thirds-cio-jude-schramm-is-28-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://www.americanbanker.com/news/fifth-third-injects-ai-into-its-mobile-app))
- **Published AI engineering metrics.** On the July 17, 2026 call Spence reported more than 1 million AI prompts by colleagues in June, a 45% prompt accepted rate for new code and over 87% of unit testing automated by AI. Regions reports about 80% of developers on GitHub Copilot with about a 30% lift in code development, and Citizens a 10% engineering-output gain overall and 55% with advanced agents. ([Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/regions-financial-eyes-150-branches-120202785.html), [American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking))

## Where does Fifth Third trail its peers on AI?

- **No count of AI agents in production.** Fifth Third has not published how many AI agents it runs. Huntington reports 50 agents in production and more than 60 in development, adding about 15 a month (April 2026); PNC says about 115 AI agents built its new mobile app; Truist plans to formally 'hire' AI agents as digital teammates in 2026. ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/), [American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking))
- **Fewest use cases described in the group.** The profile describes 13 AI use cases at Fifth Third, ninth of nine against a peer median of 16 and 20 at Citizens, and the bank has 16 primary disclosures on its AI against 26 at BMO's US bank. U.S. Bancorp reports 16 use cases in production against Fifth Third's 10. ([Fifth Third (SEC filing)](https://www.sec.gov/Archives/edgar/data/35527/000003552726000124/fitb-20251231.htm), [Fifth Third (SEC filing)](https://www.sec.gov/Archives/edgar/data/35527/000003552726000197/a2026bostonroadshow-fina.htm))
- **No stated AI value target.** Fifth Third reports results (about 4 million labour hours to be redeployed after the Comerica conversion) but no AI-linked financial target. Huntington targets 10-15% cost reductions and 10-15% revenue increases from targeted LLM and agentic use cases, Citizens a $450 million run-rate benefit from its Reimagine the Bank program, and BMO's group C$1 billion of annual benefit from AI by 2030. ([Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [American Banker](https://www.americanbanker.com/news/citizens-details-how-ai-is-speeding-everything-up), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/bmo-sees-loan-demand-surge-020206941.html))
- **Buys rather than builds its models.** CIO Jude Schramm buys more than he builds, customizing no more than 5% of any third-party platform, and uses Microsoft for generative AI. PNC announced in June 2026 an 'AI factory' that buys Nvidia chips and data centers to build its own large and small language models for fraud blocking and call centers. ([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://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory))

## Where does Fifth Third rank against its peers on AI disclosure?

Scores from the US AI disclosure index of 120 banks (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [BMO (U.S.)](https://www.bankingnewsai.com/banks/bmo-us) | [85.8](https://www.bankingnewsai.com/banks/ai-index) | #10 of 120 | [16](https://www.bankingnewsai.com/banks/bmo-us#sources) | [26](https://www.bankingnewsai.com/banks/bmo-us#sources) | [14 of 16](https://www.bankingnewsai.com/banks/bmo-us#where) | [33](https://www.bankingnewsai.com/banks/bmo-us#timeline) | Lumi, Aura and the Institute for Applied AI & Quantum ([BMO](https://www.bmo.com/en-ca/main/about-bmo/news-insights/blog/meet-lumi-assistant-bmos-award-winning-ai-tool-empowering-team-bmo), [BMO AI Hub](https://ai.bmo.com/our-stories/aura-helping-power-bmos-goal-of-50-faster-underwriting-by-2028), [BMO](https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum)) |
| [Citizens Financial Group](https://www.bankingnewsai.com/banks/citizens) | [85.3](https://www.bankingnewsai.com/banks/ai-index) | #11 of 120 | [25](https://www.bankingnewsai.com/banks/citizens#sources) | [18](https://www.bankingnewsai.com/banks/citizens#sources) | [10 of 20](https://www.bankingnewsai.com/banks/citizens#where) | [26](https://www.bankingnewsai.com/banks/citizens#timeline) | CiZi and the cloud-native core ([American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://www.americanbanker.com/news/citizens-details-how-ai-is-speeding-everything-up)) |
| [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | [84.2](https://www.bankingnewsai.com/banks/ai-index) | #13 of 120 | [19](https://www.bankingnewsai.com/banks/huntington#sources) | [17](https://www.bankingnewsai.com/banks/huntington#sources) | [15 of 17](https://www.bankingnewsai.com/banks/huntington#where) | [29](https://www.bankingnewsai.com/banks/huntington#timeline) | Agentic process transformation, run from finance ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb)) |
| [Fifth Third Bancorp (this page)](https://www.bankingnewsai.com/banks/fifth-third) | [84](https://www.bankingnewsai.com/banks/ai-index) | #14 of 120 | [27](https://www.bankingnewsai.com/banks/fifth-third#sources) | [17](https://www.bankingnewsai.com/banks/fifth-third#sources) | [10 of 13](https://www.bankingnewsai.com/banks/fifth-third#where) | [25](https://www.bankingnewsai.com/banks/fifth-third#timeline) | Jeanie and the Newline MCP server ([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)) |
| [Regions Financial](https://www.bankingnewsai.com/banks/regions) | [83.8](https://www.bankingnewsai.com/banks/ai-index) | #15 of 120 | [22](https://www.bankingnewsai.com/banks/regions#sources) | [18](https://www.bankingnewsai.com/banks/regions#sources) | [13 of 15](https://www.bankingnewsai.com/banks/regions#where) | [25](https://www.bankingnewsai.com/banks/regions#timeline) | AI-driven banker platforms on a modernised stack ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027)) |
| [Truist Financial](https://www.bankingnewsai.com/banks/truist) | [82.6](https://www.bankingnewsai.com/banks/ai-index) | #16 of 120 | [18](https://www.bankingnewsai.com/banks/truist#sources) | [18](https://www.bankingnewsai.com/banks/truist#sources) | [13 of 15](https://www.bankingnewsai.com/banks/truist#where) | [27](https://www.bankingnewsai.com/banks/truist#timeline) | Truist Insights and the 'digital teammates' ([Truist via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1), [American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking)) |
| [U.S. Bancorp](https://www.bankingnewsai.com/banks/us-bancorp) | [81.3](https://www.bankingnewsai.com/banks/ai-index) | #18 of 120 | [17](https://www.bankingnewsai.com/banks/us-bancorp#sources) | [21](https://www.bankingnewsai.com/banks/us-bancorp#sources) | [16 of 18](https://www.bankingnewsai.com/banks/us-bancorp#where) | [26](https://www.bankingnewsai.com/banks/us-bancorp#timeline) | In-house tools from the AI Center of Excellence ([U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-design-assistant-an-ai-solution-to-empower-designers-at-scale.html), [American Banker](https://www.americanbanker.com/news/u-s-bank-gives-embedded-banking-clients-a-gen-ai-assistant), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/ai-powered-statement-analyzer-simplifies-payment-services-for-small-businesses.html), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-ai-driven-cash-forecasting-tool.html)) |
| [KeyCorp (KeyBank)](https://www.bankingnewsai.com/banks/keybank) | [80](https://www.bankingnewsai.com/banks/ai-index) | #21 of 120 | [25](https://www.bankingnewsai.com/banks/keybank#sources) | [17](https://www.bankingnewsai.com/banks/keybank#sources) | [10 of 16](https://www.bankingnewsai.com/banks/keybank#where) | [20](https://www.bankingnewsai.com/banks/keybank#timeline) | Conversational AI in the contact centre and 'cognitive banking' in the app ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/), [Banking Dive](https://www.bankingdive.com/news/keybank-digital-banking-regionals-ai-insights-personetics/823541/), [American Banker](https://americanbanker.com/news/how-keybank-is-creating-cognitive-banking-with-ai)) |
| [PNC Financial Services](https://www.bankingnewsai.com/banks/pnc) | [68.2](https://www.bankingnewsai.com/banks/ai-index) | #38 of 120 | [17](https://www.bankingnewsai.com/banks/pnc#sources) | [15](https://www.bankingnewsai.com/banks/pnc#sources) | [8 of 14](https://www.bankingnewsai.com/banks/pnc#where) | [24](https://www.bankingnewsai.com/banks/pnc#timeline) | PNC AI factory ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [American Banker](https://www.americanbanker.com/news/pncs-solution-to-rising-ai-costs-build-its-own-ai), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1), [Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299)) |

## On which parts of the AI record is Fifth Third ahead of or behind its peers?

Each row is one input of the index, counted on the profiles of Fifth Third and the 8 peers that are scored on the same basis. "Place" is Fifth Third's position in the group of 9 (1st = most).

| Component (weight) | Fifth Third | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 27 | 18.5 | [Fifth Third (27)](https://www.bankingnewsai.com/banks/fifth-third) | 1st of 9 |
| Use cases in production (10%) | 10 | 13 | [U.S. Bank (16)](https://www.bankingnewsai.com/banks/us-bancorp) | 6th of 9 |
| Own primary disclosures (10%) | 17 | 18 | [BMO (26)](https://www.bankingnewsai.com/banks/bmo-us) | 6th of 9 |
| Dated moves, last 12 months (10%) | 25 | 26 | [BMO (33)](https://www.bankingnewsai.com/banks/bmo-us) | 6th of 9 |
| Disclosed numbers (5%) | 17 | 15 | [Citizens (20)](https://www.bankingnewsai.com/banks/citizens) | 4th of 9 |
| Named AI leaders (5%) | 14 | 13.5 | [BMO (15)](https://www.bankingnewsai.com/banks/bmo-us) | 2nd of 9 |
| Use cases described (5%) | 13 | 16 | [Citizens (20)](https://www.bankingnewsai.com/banks/citizens) | 9th of 9 |

## What has each bank in Fifth Third's peer group disclosed about its AI?

Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | Jeanie and the Newline MCP server ([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)) | [14, incl. Tim Spence (Chairman, CEO and President)](https://www.bankingnewsai.com/banks/fifth-third#people) ([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)) | 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)) | 3 patents listed on the profile, e.g. US 11,868,865 B1 (Systems and methods for cash structuring activity monitoring) ([Google Patents (USPTO)](https://patents.google.com/patent/US11868865B1/en)) | [6 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/fifth-third#roles) |
| [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | Agentic process transformation, run from finance ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb)) | [14, incl. Zach Wasserman (Chief Financial Officer)](https://www.bankingnewsai.com/banks/huntington#people) ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb), [American Banker](https://www.americanbanker.com/podcast/its-a-tremendous-priority-huntington-cfo-wasserman-on-ai)) | AI agents in production / in development: 50 / 60+, ≈ 15 new a month (Apr 24, 2026) ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/)) | 6 patents listed on the profile, e.g. US 11,194,637 B2 (Extensible alerts platform) ([Google Patents (USPTO)](https://patents.google.com/patent/US11194637B2/en)) | [9 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/huntington#roles) |
| [PNC Financial Services](https://www.bankingnewsai.com/banks/pnc) | PNC AI factory ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [American Banker](https://www.americanbanker.com/news/pncs-solution-to-rising-ai-costs-build-its-own-ai), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1), [Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299)) | [10, incl. Bill Demchak (Chairman and CEO)](https://www.bankingnewsai.com/banks/pnc#people) ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [Bloomberg](https://www.bloomberg.com/news/articles/2026-01-26/how-pnc-became-one-of-the-world-s-biggest-banks)) | AI share of the year-over-year increase in technology spending: ≈ 20% (Jan 16, 2026) ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/news/pnc-financial-services-group-q4-163523838.html)) | 4 patents listed on the profile, e.g. US 2025/0094839 A1 (Applying rules via artificial intelligence for document processing) ([Google Patents (USPTO)](https://patents.google.com/patent/US20250094839A1/en)) | [12+ open AI roles (Oct 1, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/pnc#roles) |
| [KeyCorp (KeyBank)](https://www.bankingnewsai.com/banks/keybank) | Conversational AI in the contact centre and 'cognitive banking' in the app ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/), [Banking Dive](https://www.bankingdive.com/news/keybank-digital-banking-regionals-ai-insights-personetics/823541/), [American Banker](https://americanbanker.com/news/how-keybank-is-creating-cognitive-banking-with-ai)) | [11, incl. Chris Gorman (Chairman and CEO)](https://www.bankingnewsai.com/banks/keybank#people) ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/), [Banking Dive](https://www.bankingdive.com/news/keybank-has-no-interest-in-buying-a-bank-ceo-says/807427/)) | Cost per customer call, AI vs human: ≈ $0.25 vs ≈ $9 (Jan 20, 2026) ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/keybank#roles) |
| [Regions Financial](https://www.bankingnewsai.com/banks/regions) | AI-driven banker platforms on a modernised stack ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027)) | [14, incl. John Turner (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/regions#people) ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027)) | New business opportunities generated by AI-driven platforms: 35% (Jan 16, 2026) ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000006/rf-20251231xexhibit993.htm)) | 1 patent listed on the profile, e.g. US 11,861,690 B2 (Method and system for transferring funds) ([Google Patents (USPTO)](https://patents.google.com/patent/US11861690B2/en)) | [3 open AI roles (Oct 1, 2026); most in AI security](https://www.bankingnewsai.com/banks/regions#roles) |
| [U.S. Bancorp](https://www.bankingnewsai.com/banks/us-bancorp) | In-house tools from the AI Center of Excellence ([U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-design-assistant-an-ai-solution-to-empower-designers-at-scale.html), [American Banker](https://www.americanbanker.com/news/u-s-bank-gives-embedded-banking-clients-a-gen-ai-assistant), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/ai-powered-statement-analyzer-simplifies-payment-services-for-small-businesses.html), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-ai-driven-cash-forecasting-tool.html)) | [13, incl. Prashant Mehrotra (EVP and Chief AI Officer)](https://www.bankingnewsai.com/banks/us-bancorp#people) ([American Banker](https://www.americanbanker.com/news/benchmarking-ai-adoption-what-u-s-banks-playbook-tells-us), [American Banker](https://www.americanbanker.com/news/beyond-token-maxing-how-u-s-bank-ai-chief-navigates-costs), [The Wall Street Journal (Deloitte CMO Journal)](https://deloitte.wsj.com/cmo/u-s-bank-chief-ai-officer-on-transformation-if-not-now-when-d6ab3469)) | Operations employees under the new COO: 16,000+ (Mar 26, 2026) ([Business Wire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603261645BIZWIRE_USPRX____20260326_BW200557-1)) | 7 patents listed on the profile, e.g. US 2024/0144204 A1 (Check fraud detection comparing incoming check image and signature with a reference) ([Google Patents (USPTO)](https://patents.google.com/patent/US20240144204A1/en)) | [12+ open AI roles (Oct 1, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/us-bancorp#roles) |
| [Citizens Financial Group](https://www.bankingnewsai.com/banks/citizens) | CiZi and the cloud-native core ([American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://www.americanbanker.com/news/citizens-details-how-ai-is-speeding-everything-up)) | [10, incl. Brendan Coughlin (President)](https://www.bankingnewsai.com/banks/citizens#people) ([American Banker](https://www.americanbanker.com/news/citizens-latest-move-further-positions-coughlin-as-next-ceo), [American Banker](https://www.americanbanker.com/news/citizens-details-how-ai-is-speeding-everything-up)) | Developers with coding agents: ≈ 800 (half) (Nov 20, 2025) ([American Banker](https://www.americanbanker.com/news/how-citi-citizens-td-deploy-ai-agents-without-upsetting-humans)) | 4 patents listed on the profile, e.g. US 2025/0150457 A1 (AI-driven integration platform and user-adaptive interface for business relationship orchestration) ([Google Patents (USPTO)](https://patents.google.com/patent/US20250150457A1/en)) | [6 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/citizens#roles) |
| [Truist Financial](https://www.bankingnewsai.com/banks/truist) | Truist Insights and the 'digital teammates' ([Truist via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1), [American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking)) | [14, incl. Steve Hagerman (Chief Information Officer)](https://www.bankingnewsai.com/banks/truist#people) ([American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking), [Truist](https://media.truist.com/Steve-Hagerman), [Banking Dive](https://www.bankingdive.com/news/truist-names-jpmorgan-wells-vet-next-cio/723737/)) | AI use cases deployed in 2025: 50+ (Jun 1, 2026) ([American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking)) | 4 patents listed on the profile, e.g. US 12,657,538 B2 (Audio signal processing and dynamic natural-language risk scoring of customer communications) ([Google Patents (USPTO)](https://patents.google.com/patent/US12657538B2/en)) | [12+ open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/truist#roles) |
| [BMO (U.S.)](https://www.bankingnewsai.com/banks/bmo-us) | Lumi, Aura and the Institute for Applied AI & Quantum ([BMO](https://www.bmo.com/en-ca/main/about-bmo/news-insights/blog/meet-lumi-assistant-bmos-award-winning-ai-tool-empowering-team-bmo), [BMO AI Hub](https://ai.bmo.com/our-stories/aura-helping-power-bmos-goal-of-50-faster-underwriting-by-2028), [BMO](https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum)) | [15, incl. Kristin Milchanowski (Chief AI & Quantum Officer)](https://www.bankingnewsai.com/banks/bmo-us#people) ([BMO](https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum), [American Banker](https://www.americanbanker.com/news/bmos-kristin-milchanowski-is-39-on-the-most-innovative-people-in-finance-ranking)) | Employee AI adoption: > 96% (Apr 24, 2026) ([BMO](https://newsroom.bmo.com/2026-04-24-BMO-Launches-Return-on-Intelligence-Podcast-AI,-Quantum,-and-the-New-Rules-of-Decision-Making)) | 4 patents listed on the profile, e.g. US 2026/0119566 A1 (Machine-learning database search and knowledge mining over query logs) ([Google Patents (USPTO)](https://patents.google.com/patent/US20260119566A1/en)) | [7 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/bmo-us#roles) |

## What are the latest dated moves on the AI record of Fifth Third and its peers?

The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 12, 2026 | [Fifth Third](https://www.bankingnewsai.com/banks/fifth-third) | AI chief Jay Budzik describes the lending-model upgrade ([Northwestern McCormick School of Engineering](https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html)) |
| Oct 7, 2026 | [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | Venkatachari: from proving AI to industrializing it ([Forbes (Yahoo Finance)](https://finance.yahoo.com/news/u-bank-industrializing-ai-132012524.html)) |
| Oct 6, 2026 | [BMO](https://www.bankingnewsai.com/banks/bmo-us) | Evident AI Index 2026: top 20 overall, #2 for AI outcomes ([BMO (CNW via FT Markets)](https://markets.ft.com/data/announce/full?dockey=600-202610060700CANADANWCANADAPR_C6630-1)) |
| Oct 6, 2026 | [Regions](https://www.bankingnewsai.com/banks/regions) | Core deposits planned for 2027 ([ABA Banking Journal](https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores)) |
| Oct 1, 2026 | [KeyBank](https://www.bankingnewsai.com/banks/keybank) | Gessner ranked No. 3 in American Banker's Most Powerful Women in Banking NEXT ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-3-emily-gessner-keybank)) |
| Oct 1, 2026 | [Fifth Third](https://www.bankingnewsai.com/banks/fifth-third) | CMO: generative AI kept away from customers on purpose ([The Financial Brand](https://thefinancialbrand.com/banking-podcasts/fifth-third-succeeds-through-empowered-employees)) |
| Sep 29, 2026 | [Citizens](https://www.bankingnewsai.com/banks/citizens) | Coughlin: engineers now 30-40% more productive with AI ([American Banker](https://www.americanbanker.com/news/tech-leaders-say-ai-could-end-humanity-banks-still-love-it)) |
| Sep 29, 2026 | [Citizens](https://www.bankingnewsai.com/banks/citizens) | Q4 2026 Business Pulse: small-business AI spending rising ([Citizens (Business Wire via Yahoo Finance)](https://finance.yahoo.com/small-business/articles/citizens-q4-2026-business-pulse-110000359.html)) |
| Sep 29, 2026 | [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | CFO Insights Report: AI spending running over budget ([U.S. Bank (Business Wire)](https://www.businesswire.com/news/home/20260929120677/en/U.S.-Bank-CFO-Survey-Optimism-Climbing-as-Growth-and-Dealmaking-Gain-Momentum)) |
| Sep 29, 2026 | [Huntington](https://www.bankingnewsai.com/banks/huntington) | Named a Coverbase enterprise customer ([Coverbase (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html)) |
| Sep 25, 2026 | [PNC](https://www.bankingnewsai.com/banks/pnc) | Head of ATM Banking hired with an AI mandate ([Columbus Business First (bizjournals.com)](https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson)) |
| Sep 25, 2026 | [Huntington](https://www.bankingnewsai.com/banks/huntington) | Vakharia on AI in bank marketing ([Banking Dive](https://bankingdive.com/news/huntington-bank-marketing-digital-brand-customer-experience-vakharia/831361)) |
| Sep 22, 2026 | [BMO](https://www.bankingnewsai.com/banks/bmo-us) | C$1 billion a year from AI by 2030 ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/bmo-sees-loan-demand-surge-020206941.html)) |
| Sep 18, 2026 | [Truist](https://www.bankingnewsai.com/banks/truist) | Mid-table on AI-judged reputation ([American Banker](https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh)) |
| Sep 16, 2026 | [Truist](https://www.bankingnewsai.com/banks/truist) | Insights scale: 4 million daily sign-ins, 500 insights a year per customer ([The Financial Brand](https://thefinancialbrand.com/news/banking-technology/how-truist-delivers-proactive-insights-to-its-app-and-online-users-199568)) |
| Sep 16, 2026 | [Regions](https://www.bankingnewsai.com/banks/regions) | Temenos publishes Regions case study ([Temenos](https://temenos.com/success-story/regions-bank)) |
| Sep 14, 2026 | [KeyBank](https://www.bankingnewsai.com/banks/keybank) | Barclays conference: Copilot for everyone, operations moved to the businesses ([Investing.com](https://za.investing.com/news/stock-market-news/keycorp-at-barclays-conference-growth-margin-gains-in-focus-93CH-4463954)) |
| Sep 14, 2026 | [PNC](https://www.bankingnewsai.com/banks/pnc) | Barclays conference: agents at the centre of development, 5–10x ([Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299)) |

## How does Fifth Third's Jeanie compare with other regional banks' assistants?

Each figure is the bank's own and measured differently: accuracy, containment, call reduction, uses or resolution rate.

| Bank | Assistant | Result disclosed | Date |
| --- | --- | --- | --- |
| Fifth Third | Jeanie (Jeanie 3.0 in 2025; AI interface with 150 intents in June 2026) | Intent accuracy about 20% to about 90%; self-service containment 3% to 42%; Tearsheet Best Chatbot 2026 | 2024-2026 ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [American Banker](https://americanbanker.com/news/overhauling-chatbots-harnessing-gen-ai-art-weston-fifth-third), [Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1)) |
| Citizens | CiZi in the mobile app | Mobile-banking call volume down 44% | 2026 ([American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking)) |
| Truist | Truist Assist | 81% of inquiries (1.3 million conversations) resolved by the chatbot in Q3 2025; 12.5 million-plus requests since 2023 | 2025-2026 ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm)) |
| U.S. Bancorp | Smart Assistant (voice-first) | Used 2.5 million times a month | 2025 annual report ([U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf)) |
| KeyBank | Conversational AI in the contact center | An AI-handled call costs about $0.25 against about $9 for a human-handled one | Q4 2025 call ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/)) |

## How does Fifth Third's use of AI in software and operations compare with its peers'?

Self-reported productivity and agent figures, as each bank has published them.

| Bank | What it reports | Date |
| --- | --- | --- |
| Fifth Third | More than 1 million colleague prompts in June 2026; 45% accepted rate for AI-written code; over 87% of unit testing automated; about 1,000 engineers with AI tools | June-July 2026 ([Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html), [American Banker](https://www.americanbanker.com/news/fifth-thirds-cio-jude-schramm-is-28-on-the-most-innovative-people-in-finance-ranking)) |
| Huntington | 50 AI agents in production, more than 60 in development, about 15 added a month | April 2026 ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/)) |
| PNC | About 115 AI agents built its new mobile app; developer-assistance tools lift efficiency about 40% on certain offerings | 2026 ([Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/pnc-financial-reaffirms-outlook-loans-110208542.html)) |
| Citizens | About 800 developers, half the total, with coding agents; engineering output up 10% overall and 55% with advanced agents | 2025-2026 ([American Banker](https://www.americanbanker.com/news/how-citi-citizens-td-deploy-ai-agents-without-upsetting-humans), [American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking)) |
| Regions | About 80% of developers on GitHub Copilot, about a 30% lift in code development; more than 12,000 associates with copilots | 2026 ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/regions-financial-eyes-150-branches-120202785.html), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000057/a3q26investormeetingmate.htm)) |
| U.S. Bancorp | GenAI code-review assistant saves 75% of review time; 70%-75% of engineers trained on and using new AI tools within three months | 2025-2026 ([U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf), [American Banker](https://www.americanbanker.com/news/u-s-banks-dilip-venkatachari-is-15-on-the-most-innovative-people-in-finance-ranking)) |

## How does Fifth Third's agentic payments strategy compare with other banks'?

Fifth Third's payments AI is built for other companies' agents. Newline's MCP server (December 2025) gives clients' AI agents secure, standardized access to its APIs and documentation, and the April 2026 Skills layer guides models to use tools and workflows correctly; Newline's general manager says a client's agent can now approve an invoice and Newline will release and reconcile the payment. Newline's partners include Stripe, which uses it to power its treasury platform, Trustly, Rippling and Corepay, and its fee revenue grew 53% in 2025. In December 2025 the bank made Brex its commercial-card and expense provider, bringing Brex's AI agents for receipts, spend policy and month-end close to $5.6 billion of annual card volume. ([Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-fifth-third-bancorp-beats-q4-2025-eps-forecast-93CH-4455871), [Fifth Third](https://www.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), [Fifth Third](https://onlinebanking.53.com/content/fifth-third/en/media-center/press-releases/2025/press-release-2025-12-09.html), [Banking Dive](https://www.bankingdive.com/news/fifth-third-brex-ink-corporate-card-partnership/807563/))

Peers take different routes. Huntington runs more than 500 treasury connectivity interfaces and an agentic process program led by its CFO; U.S. Bancorp built an AI cash-forecasting product with Kyriba; and outside the group, JPMorgan Chase said in October 2026 that it will not let outside AI agents operate inside customer accounts, the opposite stance to Newline's open MCP interface. ([Huntington](https://ir.huntington.com/news-presentations/press-releases/detail/949/huntington-bank-announces-treasury-management-connectivity-ecosystem-to-empower-businesses-with-more-sophisticated-personalized-financial-intelligence), [Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-ai-driven-cash-forecasting-tool.html), [CNBC](https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html))

## Which banks are Fifth Third's peers, and why these?

Fifth Third Bancorp is compared here with Huntington Bancshares, PNC Financial Services, KeyCorp (KeyBank), Regions Financial, U.S. Bancorp, Citizens Financial Group, Truist Financial and BMO (U.S.): chosen by the editors for this page (see the note below the table). Fifth Third Bancorp is classed as a regional or retail-commercial bank in the Midwest.

Fifth Third is compared with the Midwest and Southeast super-regionals it meets in branches, commercial lending and payments (Huntington, PNC, KeyBank, Regions, U.S. Bank, Citizens, Truist and BMO's US bank) rather than with the default group's First Citizens and HSBC USA, whose business models are a commercial and venture lender and a foreign bank's US arm.

## Common questions

### Is Fifth Third better than Huntington at AI?

Neither has a clear edge on the public record: Huntington scores 84.2 and Fifth Third 84 on this site's disclosure index. Huntington counts its agents, 50 in production and more than 60 in development in April 2026, and sets a 10-15% cost and revenue target for targeted use cases. Fifth Third publishes assistant and engineering metrics instead, such as Jeanie's 42% self-service containment and over 87% of unit testing automated. ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html))

### Which bank has the better chatbot, Fifth Third or Citizens?

Each publishes a different measure. Fifth Third's Jeanie won Tearsheet's Best Chatbot award in 2026, with intent accuracy of about 90% and self-service containment of 42%, and gained an AI interface with 150 intents in June 2026. Citizens says CiZi has cut mobile-banking call volume by 44% and targets about 25% of calls handled without a human by the end of 2026. ([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), [American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [Citizens Financial Group (SEC filings)](https://www.sec.gov/Archives/edgar/data/759944/000075994426000070/a1q26earningspresentatio.htm))

### How does Fifth Third compare with PNC on AI?

Fifth Third scores 84 and PNC 68.2 on this site's index, mostly on disclosure. PNC's approach is heavier on building: an 'AI factory' announced in June 2026 with its own data centers, Nvidia chips and in-house language models, and about 115 agents that built its new app. Fifth Third buys and partners, with Microsoft for generative AI, Brex for agentic cards and an MCP server for clients' agents. ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/), [Fortune](https://fortune.com/2024/12/04/fifth-third-cio-ai-buy-rather-than-build/), [Fifth Third](https://onlinebanking.53.com/content/fifth-third/en/media-center/press-releases/2025/press-release-2025-12-09.html), [Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html))

### How does Fifth Third's technology spending compare with larger banks?

Fifth Third does not publish a technology budget. CIO Jude Schramm told Fortune that JPMorgan Chase's technology budget is about 20 times his, which is why Fifth Third leans on partnerships and buys more than it builds. Among peers, PNC spends about $3.5 billion a year on technology, KeyBank about $1 billion on technology and operations, and Regions 10-12% of revenue. ([Fortune](https://fortune.com/2024/12/04/fifth-third-cio-ai-buy-rather-than-build/), [Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/), [PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/), [PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools))

### Does Fifth Third let AI agents make payments?

Its clients' agents can, through Newline. The embedded-payments platform runs a Model Context Protocol server, launched in December 2025 and extended with Skills in April 2026, so a client's AI agent can approve an invoice and Newline releases and reconciles the payment. Its commercial cards run on Brex, whose AI agents handle receipts, spend policy and month-end close. ([Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-fifth-third-bancorp-beats-q4-2025-eps-forecast-93CH-4455871), [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-04-13.html), [Fifth Third](https://onlinebanking.53.com/content/fifth-third/en/media-center/press-releases/2025/press-release-2025-12-09.html), [Banking Dive](https://www.bankingdive.com/news/fifth-third-brex-ink-corporate-card-partnership/807563/))

### Did the Comerica deal change Fifth Third's AI?

It extended it. The technology conversion finished over Labor Day weekend 2026, moving about 600,000 customers' accounts and 293 banking centers in five states, with an AI monitoring layer watching the program; management said about 4 million labour hours would be redeployed into sales and further AI use cases. Jeanie now handles all intents in Spanish and English. ([Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html), [American Banker](https://www.americanbanker.com/news/fifth-third-says-its-using-ai-to-track-comerica-conversion), [Investing.com](https://investing.com/news/transcripts/fifth-third-at-barclays-conference-comerica-deal-lifts-growth-plans-93CH-4901613))

## Peers on this site

- [Huntington Bancshares AI strategy](https://www.bankingnewsai.com/banks/huntington) · [vs peers](https://www.bankingnewsai.com/banks/huntington/vs-peers)
- [PNC Financial Services AI strategy](https://www.bankingnewsai.com/banks/pnc) · [vs peers](https://www.bankingnewsai.com/banks/pnc/vs-peers)
- [KeyCorp (KeyBank) AI strategy](https://www.bankingnewsai.com/banks/keybank) · [vs peers](https://www.bankingnewsai.com/banks/keybank/vs-peers)
- [Regions Financial AI strategy](https://www.bankingnewsai.com/banks/regions) · [vs peers](https://www.bankingnewsai.com/banks/regions/vs-peers)
- [U.S. Bancorp AI strategy](https://www.bankingnewsai.com/banks/us-bancorp) · [vs peers](https://www.bankingnewsai.com/banks/us-bancorp/vs-peers)
- [Citizens Financial Group AI strategy](https://www.bankingnewsai.com/banks/citizens) · [vs peers](https://www.bankingnewsai.com/banks/citizens/vs-peers)
- [Truist Financial AI strategy](https://www.bankingnewsai.com/banks/truist) · [vs peers](https://www.bankingnewsai.com/banks/truist/vs-peers)
- [BMO (U.S.) AI strategy](https://www.bankingnewsai.com/banks/bmo-us) · [vs peers](https://www.bankingnewsai.com/banks/bmo-us/vs-peers)

## Sources

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32. Regions Bank Says AI Lifts Productivity 20% as Loan Growth Cools — PYMNTS, Jan 16, 2026. https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools
33. Regions plans to unveil upgraded deposit platform in 2027 — American Banker, Jul 18, 2025. https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027
34. Truist delivers 2 billion AI-powered proactive insights — Truist via FT Markets, Sep 3, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1
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37. AI-powered Statement Analyzer simplifies payment services for small businesses — U.S. Bank, May 26, 2026. https://www.usbank.com/about-us-bank/news-and-stories/article-library/ai-powered-statement-analyzer-simplifies-payment-services-for-small-businesses.html
38. U.S. Bank launches AI-driven cash forecasting tool — U.S. Bank, Nov 18, 2025. https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-ai-driven-cash-forecasting-tool.html
39. KeyBank Taps $100 Million Increase in Technology Spend (AI calls at $0.25 vs $9) — PYMNTS, Jan 23, 2026. https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/
40. KeyBank bets on relationships over tech budgets — Banking Dive, Jun 23, 2026. https://www.bankingdive.com/news/keybank-digital-banking-regionals-ai-insights-personetics/823541/
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42. PNC's solution to rising AI costs: build its own AI — American Banker, Jun 12, 2026. https://www.americanbanker.com/news/pncs-solution-to-rising-ai-costs-build-its-own-ai
43. PNC's New Mobile App Delivers an Intuitive, Personalized Experience to Help Clients Seamlessly Manage Their Day-to-Day Financial Lives — PNC via FT Markets, Jul 7, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1
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46. 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
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62. How Citi, Citizens, TD deploy AI agents without upsetting humans — American Banker, Nov 20, 2025. https://www.americanbanker.com/news/how-citi-citizens-td-deploy-ai-agents-without-upsetting-humans
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64. Steve Hagerman, Chief Technology & Operations Officer (Operating Council profile) — Truist, Oct 13, 2026. https://media.truist.com/Steve-Hagerman
65. Truist names JPMorgan, Wells vet as next CIO — Banking Dive, Aug 8, 2024. https://www.bankingdive.com/news/truist-names-jpmorgan-wells-vet-next-cio/723737/
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69. US20260119566A1: Machine learning based database search and knowledge mining — Google Patents (USPTO), Apr 30, 2026. https://patents.google.com/patent/US20260119566A1/en
70. 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
71. How U.S. Bank Is Industrializing AI — Forbes (Yahoo Finance), Oct 7, 2026. https://finance.yahoo.com/news/u-bank-industrializing-ai-132012524.html
72. BMO Earns Top Recognition for Responsible AI Leadership in Global Banking — BMO (CNW via FT Markets), Oct 6, 2026. https://markets.ft.com/data/announce/full?dockey=600-202610060700CANADANWCANADAPR_C6630-1
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74. The Most Powerful Women in Banking NEXT, #3, Emily Gessner, KeyBank — American Banker, Oct 1, 2026. https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-3-emily-gessner-keybank
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76. Tech leaders say AI could end humanity. Banks still love it — American Banker, Sep 29, 2026. https://www.americanbanker.com/news/tech-leaders-say-ai-could-end-humanity-banks-still-love-it
77. Citizens Q4 2026 Business Pulse Finds Rising Small Business Optimism Amid Steady Hiring and Increased AI Spending — Citizens (Business Wire via Yahoo Finance), Sep 29, 2026. https://finance.yahoo.com/small-business/articles/citizens-q4-2026-business-pulse-110000359.html
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80. Mark Williamson hired as Head of ATM Banking — Columbus Business First (bizjournals.com), Sep 25, 2026. https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson
81. Huntington unites marketing, digital in a push for growth — Banking Dive, Sep 25, 2026. https://bankingdive.com/news/huntington-bank-marketing-digital-brand-customer-experience-vakharia/831361
82. People use AI to gauge banks' reputations, and its verdicts are harsh — American Banker, Sep 18, 2026. https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh
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84. Regions Bank - Success Story — Temenos, Sep 16, 2026. https://temenos.com/success-story/regions-bank
85. KeyCorp at Barclays conference: growth, margin gains in focus (conference transcript) — Investing.com, Sep 14, 2026. https://za.investing.com/news/stock-market-news/keycorp-at-barclays-conference-growth-margin-gains-in-focus-93CH-4463954
86. Exhibit 99.3: First quarter 2026 earnings presentation (Form 8-K) — Truist Financial (SEC filing), Apr 17, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm
87. U.S. Bancorp Annual Report 2025 — U.S. Bank, Feb 23, 2026. https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf
88. PNC Financial Reaffirms Outlook as Loans, Fees and AI Investments Gain Momentum — MarketBeat (Yahoo Finance), Sep 18, 2026. https://finance.yahoo.com/markets/stocks/articles/pnc-financial-reaffirms-outlook-loans-110208542.html
89. Regions Financial investor meeting materials (Form 8-K, Exhibit 99.1) — Regions Financial (SEC filing), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/1281761/000128176126000057/a3q26investormeetingmate.htm
90. Dilip Venkatachari's development of agentic AI and digital-asset infrastructures is driving use cases — American Banker, Jun 1, 2026. https://www.americanbanker.com/news/u-s-banks-dilip-venkatachari-is-15-on-the-most-innovative-people-in-finance-ranking
91. How Fifth Third grew embedded banking fee revenue 53% in 2025 — American Banker, Apr 3, 2026. https://www.americanbanker.com/payments/news/how-fifth-third-grew-embedded-banking-fee-revenue-53-in-2025
92. Fifth Third, Brex ink corporate card partnership — Banking Dive, Dec 10, 2025. https://www.bankingdive.com/news/fifth-third-brex-ink-corporate-card-partnership/807563/
93. Huntington Bank Announces Treasury Management Connectivity Ecosystem — Huntington, Oct 23, 2025. https://ir.huntington.com/news-presentations/press-releases/detail/949/huntington-bank-announces-treasury-management-connectivity-ecosystem-to-empower-businesses-with-more-sophisticated-personalized-financial-intelligence
94. JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts — CNBC, Oct 13, 2026. https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html
95. 1Q26 Earnings Presentation (Form 8-K, Exhibit 99.2) — Citizens Financial Group (SEC filings), Apr 16, 2026. https://www.sec.gov/Archives/edgar/data/759944/000075994426000070/a1q26earningspresentatio.htm
96. 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
97. 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

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