# Flagstar Bank vs peers: AI and technology compared

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

*Part of the [Flagstar Bank AI strategy profile](https://www.bankingnewsai.com/banks/flagstar). Peer group: Webster Bank, Valley National Bancorp, Santander US, M&T Bank, Citizens Financial Group, Huntington Bancshares, Zions Bancorporation, Western Alliance Bancorporation.*

## How does Flagstar Bank compare with its peers on AI and technology?

On this site's AI disclosure index Flagstar scores 65.3 (#41 of 120 US banks), eighth in a nine-bank group drawn from its own proxy peers, ahead only of Zions (59.6) and behind Santander US (87.2), Citizens (85.3), Huntington (84.2), Valley (76.6), M&T (75.5), Western Alliance (71.8) and Webster (68.7). The low place reflects what it has not yet published, not what it has built. Flagstar runs StarIQ, a patent-pending orchestration system that puts Anthropic's Claude, Meta's Llama, Mistral and Amazon Titan behind Palo Alto Networks AI firewalls on AWS (June 2026), and management said in May 2026 that about 83% to 84% of its 5,400 employees use it regularly. M&T, by comparison, said in November 2025 that most of its AI would come from vendors, and reports 16,000 of 22,000 employees on Microsoft Copilot. Flagstar also consolidated six data centers into two in about a year. Its gaps are on the customer side and in the filings. It has no customer-facing AI yet; its CIO said in July 2026 that customers should notice StarIQ-driven changes in six to nine months, while Citizens says its CiZi app assistant cut mobile-banking call volume by 44%. Its 2025 10-K does not mention artificial intelligence, and it still runs two cores until migrations to Fiserv's Finxact in summer 2027 and 2028, while Citizens says it became the first super-regional bank fully in the cloud in 2025. ([Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/flagstar-bank-touts-turnaround-progress-080618215.html), [Investing.com](https://investing.com/news/transcripts/mt-bank-at-boston-conference-strategic-transformation-insights-93CH-4339428), [American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai), [American Banker](https://www.americanbanker.com/news/how-flagstar-bank-integrated-its-acquired-data-centers), [American Banker](https://www.americanbanker.com/leaders/the-ai-enabled-bank-reimagining-retail-banking-from-branch-to-mobile), [American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [Flagstar Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/910073/000091007326000025/fbc-20251231.htm), [Banking Dive](https://www.bankingdive.com/news/flagstar-bank-fiserv-finxact-cloud-native-core-tech-modernization/828477/), [Citizens Financial Group](https://investor.citizensbank.com/~/media/Files/C/CitizensBank-IR/pro-014217-2-cfg-ar-2025-web-ready.pdf))

## Where does Flagstar lead its peers on AI?

- **Its own multi-model AI platform, where M&T buys from vendors.** StarIQ orchestrates four foundation models (Claude, Llama, Mistral, Titan) with AI firewalls, a cited retrieval pipeline and one auditable approval workflow, and Flagstar filed a provisional patent on it in June 2026. M&T's CEO said in November 2025 that M&T would not develop AI solutions itself and expects most of its AI to come from vendors. ([Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [Investing.com](https://investing.com/news/transcripts/mt-bank-at-boston-conference-strategic-transformation-insights-93CH-4339428))
- **A higher share of staff on its AI tool than M&T reports.** Flagstar said in May 2026 that StarIQ is available to all 5,400 employees and about 83% to 84% use it regularly. M&T reports 16,000 of 22,000 employees using Microsoft Copilot, about 73%; Santander's group rollout of ChatGPT Enterprise reached nearly 15,000 employees in two months in 2025. ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/flagstar-bank-touts-turnaround-progress-080618215.html), [American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai), [Banco Santander](https://santander.com/en/stories/santander-data-ai-first-strategy-accelerates-through-openai-collaboration))
- **Infrastructure consolidation done in a year.** Flagstar folded three banks' stacks and six data centers into two Equinix colocation sites in about a year, with workload moved in under 60 minutes against about eight hours before (June 2026). Webster, its closest peer by size, was still preparing data and cyber for Category IV status before Santander bought it. ([American Banker](https://www.americanbanker.com/news/how-flagstar-bank-integrated-its-acquired-data-centers), [Banking Dive](https://www.bankingdive.com/news/webster-bank-100b-threshold-hiring-tech-cybersecurity-nafde/742553/), [Banking Dive](https://www.bankingdive.com/news/santander-acquiring-webster-bank-12b/811270/))
- **A named AI governance chain from the CEO down.** Flagstar's CIOO chairs an AI strategy committee that the CEO attends, and it hired Robert Martin from MUFG as Head of AI and Engineering in March 2026. Webster's final 10-K said it had not yet deployed AI-driven systems in critical decision-making or client-facing processes. ([American Banker](https://www.americanbanker.com/leaders/the-ai-enabled-bank-reimagining-retail-banking-from-branch-to-mobile), [Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-N-A--EXPANDS-TECHNOLOGY-LEADERSHIP-TEAM-ACCELERATING-THE-BANKS-TECHNOLOGY-ARCHITECTURE/default.aspx), [Webster Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/801337/000080133726000008/wbs-20251231.htm))

## Where does Flagstar trail its peers on AI?

- **No customer-facing AI yet while Citizens and Valley run theirs.** Flagstar's stated customer goals, a real-time Customer 360 and proactive private-banking insights, are announced but not live, and its CIO put visible customer changes six to nine months out in July 2026. Citizens' CiZi cut mobile-banking call volume by 44%; Valley runs a voice AI agent that calls past-due auto-loan customers. ([Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-N-A--EXPANDS-TECHNOLOGY-LEADERSHIP-TEAM-ACCELERATING-THE-BANKS-TECHNOLOGY-ARCHITECTURE/default.aspx), [American Banker](https://www.americanbanker.com/leaders/the-ai-enabled-bank-reimagining-retail-banking-from-branch-to-mobile), [American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-q1-earnings-223612150.html))
- **Fewest disclosed AI numbers and no AI in its filings.** Flagstar places 9th of 9 on disclosed numbers (14 against a median of 16) and 8th on its own primary disclosures. Its 2025 10-K and its 2026 10-Qs do not mention artificial intelligence; Huntington, by contrast, reports 50 AI agents in production and more than 60 in development (April 2026). ([Flagstar Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/910073/000091007326000025/fbc-20251231.htm), [Flagstar Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/910073/000091007326000047/fbc-20260331.htm), [Flagstar Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/910073/000091007326000068/fbc-20260630.htm), [Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/))
- **Two cores until 2028 while Citizens is fully in the cloud.** Flagstar runs two cores today and plans two migrations to Fiserv's Finxact, in summer 2027 and 2028. Citizens says it became the first super-regional bank fully in the cloud in 2025, and Valley moved more than 80% of its data-center capacity to a cloud hub after completing its core conversion. ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/flagstar-flg-q1-2026-earnings-140646732.html), [Banking Dive](https://www.bankingdive.com/news/flagstar-bank-fiserv-finxact-cloud-native-core-tech-modernization/828477/), [Citizens Financial Group](https://investor.citizensbank.com/~/media/Files/C/CitizensBank-IR/pro-014217-2-cfg-ar-2025-web-ready.pdf), [Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [American Banker](https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking))
- **Fewer AI use cases in production than most of the group.** Flagstar's profile records 8 AI use cases in production, 8th of 9; Western Alliance records 16 and Huntington 15. Flagstar's production list is largely StarIQ itself and its controls, with underwriting data discovery still a pilot. ([Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [American Banker](https://www.americanbanker.com/leaders/the-ai-enabled-bank-reimagining-retail-banking-from-branch-to-mobile), [Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/))

## Where does Flagstar 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Santander US](https://www.bankingnewsai.com/banks/santander-us) | [87.2](https://www.bankingnewsai.com/banks/ai-index) | #8 of 120 | [24](https://www.bankingnewsai.com/banks/santander-us#sources) | [22](https://www.bankingnewsai.com/banks/santander-us#sources) | [10 of 15](https://www.bankingnewsai.com/banks/santander-us#where) | [28](https://www.bankingnewsai.com/banks/santander-us#timeline) | ONE Transformation: shared platforms, AI for every employee, agentic commerce ([Bloomberg](https://bloomberg.com/news/articles/2026-02-25/santander-s-botin-sees-1-billion-ai-boost-amid-efficiency-push), [PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/santander-equips-all-workers-with-ai-and-seeks-1-15-billion-business-value/), [PYMNTS](https://www.pymnts.com/news/b2b-payments/2026/santanders-getnet-plugs-merchants-into-agentic-commerce/), [Banking Dive](https://www.bankingdive.com/news/santander-webster-management-roles-swati-bhatia-leaving/816983/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200334BIZWIRE_USPRX____20260820_BW118649-1)) |
| [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)) |
| [Valley National Bancorp](https://www.bankingnewsai.com/banks/valley) | [76.6](https://www.bankingnewsai.com/banks/ai-index) | #26 of 120 | [11](https://www.bankingnewsai.com/banks/valley#sources) | [22](https://www.bankingnewsai.com/banks/valley#sources) | [13 of 17](https://www.bankingnewsai.com/banks/valley#where) | [22](https://www.bankingnewsai.com/banks/valley#timeline) | Cloud-first infrastructure, Valley's AI Assistant and tiered access ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [American Banker](https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm)) |
| [M&T Bank](https://www.bankingnewsai.com/banks/mt-bank) | [75.5](https://www.bankingnewsai.com/banks/ai-index) | #28 of 120 | [18](https://www.bankingnewsai.com/banks/mt-bank#sources) | [13](https://www.bankingnewsai.com/banks/mt-bank#sources) | [10 of 14](https://www.bankingnewsai.com/banks/mt-bank#where) | [25](https://www.bankingnewsai.com/banks/mt-bank#timeline) | Microsoft Copilot on a data-lineage foundation ([American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai), [Fast Company](https://www.fastcompany.com/91596458/michael-wisler-m-t-bank-pacesetters-2026)) |
| [Western Alliance Bancorporation](https://www.bankingnewsai.com/banks/western-alliance) | [71.8](https://www.bankingnewsai.com/banks/ai-index) | #32 of 120 | [13](https://www.bankingnewsai.com/banks/western-alliance#sources) | [14](https://www.bankingnewsai.com/banks/western-alliance#sources) | [16 of 17](https://www.bankingnewsai.com/banks/western-alliance#where) | [18](https://www.bankingnewsai.com/banks/western-alliance#timeline) | Triangle of Fraud Protection and the enterprise AI programme ([American Banker](https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [American Banker](https://americanbanker.com/news/innovation-of-the-year-2025-meet-the-honorees), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1)) |
| [Webster Bank](https://www.bankingnewsai.com/banks/webster) | [68.7](https://www.bankingnewsai.com/banks/ai-index) | #37 of 120 | [14](https://www.bankingnewsai.com/banks/webster#sources) | [17](https://www.bankingnewsai.com/banks/webster#sources) | [7 of 11](https://www.bankingnewsai.com/banks/webster#where) | [24](https://www.bankingnewsai.com/banks/webster#timeline) | Category IV readiness: data, cyber and open banking ([Banking Dive](https://www.bankingdive.com/news/webster-bank-100b-threshold-hiring-tech-cybersecurity-nafde/742553/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606111200BIZWIRE_USPRX____20260611_BW592775-1), [Webster Bank](https://websterbank.com/impact-makers-award-winners), [Banking Dive](https://www.bankingdive.com/news/santander-acquiring-webster-bank-12b/811270/)) |
| [Flagstar Bank (this page)](https://www.bankingnewsai.com/banks/flagstar) | [65.3](https://www.bankingnewsai.com/banks/ai-index) | #41 of 120 | [14](https://www.bankingnewsai.com/banks/flagstar#sources) | [12](https://www.bankingnewsai.com/banks/flagstar#sources) | [8 of 14](https://www.bankingnewsai.com/banks/flagstar#where) | [24](https://www.bankingnewsai.com/banks/flagstar#timeline) | Flagstar S2 Platform and StarIQ ([Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [Banking Dive](https://www.bankingdive.com/news/flagstar-cio-chris-higgins-s2-stariq-proprietary-tech-platform-ai/823404/), [American Banker](https://www.americanbanker.com/news/how-flagstar-bank-integrated-its-acquired-data-centers)) |
| [Zions Bancorporation](https://www.bankingnewsai.com/banks/zions) | [59.6](https://www.bankingnewsai.com/banks/ai-index) | #48 of 120 | [11](https://www.bankingnewsai.com/banks/zions#sources) | [10](https://www.bankingnewsai.com/banks/zions#sources) | [10 of 16](https://www.bankingnewsai.com/banks/zions#where) | [13](https://www.bankingnewsai.com/banks/zions#timeline) | A modern core plus a Gemini-based enterprise AI platform ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Banking Dive](https://www.bankingdive.com/news/zions-jennifer-smith-cio-technology-operations-chief-leaving-mayer-collins/813657/)) |

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

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

| Component (weight) | Flagstar | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 14 | 16 | [Citizens (25)](https://www.bankingnewsai.com/banks/citizens) | 5th of 9 |
| Use cases in production (10%) | 8 | 10 | [Western Alliance (16)](https://www.bankingnewsai.com/banks/western-alliance) | 8th of 9 |
| Own primary disclosures (10%) | 12 | 17 | [Valley (22)](https://www.bankingnewsai.com/banks/valley) | 8th of 9 |
| Dated moves, last 12 months (10%) | 24 | 24.5 | [Huntington (29)](https://www.bankingnewsai.com/banks/huntington) | 5th of 9 |
| Disclosed numbers (5%) | 14 | 16 | [Citizens (20)](https://www.bankingnewsai.com/banks/citizens) | 9th of 9 |
| Named AI leaders (5%) | 11 | 13.5 | [Santander (23)](https://www.bankingnewsai.com/banks/santander-us) | 7th of 9 |
| Use cases described (5%) | 14 | 16.5 | [Citizens (20)](https://www.bankingnewsai.com/banks/citizens) | 7th of 9 |

## What has each bank in Flagstar'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 |
| --- | --- | --- | --- | --- | --- |
| [Flagstar Bank](https://www.bankingnewsai.com/banks/flagstar) | Flagstar S2 Platform and StarIQ ([Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [Banking Dive](https://www.bankingdive.com/news/flagstar-cio-chris-higgins-s2-stariq-proprietary-tech-platform-ai/823404/), [American Banker](https://www.americanbanker.com/news/how-flagstar-bank-integrated-its-acquired-data-centers)) | [11, incl. Joseph Otting (Executive Chairman and CEO)](https://www.bankingnewsai.com/banks/flagstar#people) ([American Banker](https://americanbanker.com/news/flagstar-is-back-in-the-black-after-eight-quarters-of-losses), [Banking Dive](https://www.bankingdive.com/news/flagstar-otting-extend-compensation-succession-raffetto-smith-co-president-nguyen-sullivan-menefee/820741/), [Flagstar Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/910073/000091007326000053/flg-leadershipsuccession.htm)) | Not disclosed | 1 patent listed on the profile, e.g. US 8,239,255 B2 (Consumer incentive system and business method) ([Google Patents (USPTO)](https://patents.google.com/patent/US8239255B2/en)) | Not surveyed |
| [Webster Bank](https://www.bankingnewsai.com/banks/webster) | Category IV readiness: data, cyber and open banking ([Banking Dive](https://www.bankingdive.com/news/webster-bank-100b-threshold-hiring-tech-cybersecurity-nafde/742553/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606111200BIZWIRE_USPRX____20260611_BW592775-1), [Webster Bank](https://websterbank.com/impact-makers-award-winners), [Banking Dive](https://www.bankingdive.com/news/santander-acquiring-webster-bank-12b/811270/)) | [17, incl. John Ciulla (CEO, Santander Bank, N.A.)](https://www.bankingnewsai.com/banks/webster#people) ([Banking Dive](https://www.bankingdive.com/news/santander-acquiring-webster-bank-12b/811270/), [Banking Dive](https://www.bankingdive.com/news/webster-bank-100b-threshold-hiring-tech-cybersecurity-nafde/742553/)) | Group business value targeted from data and AI (Santander): > €1 billion a year by 2028 (cost savings plus revenues) (Feb 25, 2026) ([Banco Santander (SEC filings)](https://www.sec.gov/Archives/edgar/data/801337/000095010326002606/dp242029_425-2.htm)) | Not disclosed | Not surveyed |
| [Valley National Bancorp](https://www.bankingnewsai.com/banks/valley) | Cloud-first infrastructure, Valley's AI Assistant and tiered access ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [American Banker](https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm)) | [14, incl. Ira Robbins (Chairman and CEO)](https://www.bankingnewsai.com/banks/valley#people) ([Valley National Bancorp](https://valley.com/content/dam/valley/pdfs/earnings/2026/q1/Exhibit%2099.1%20Earnings%20Release%2004.23.2026%20FINAL.pdf)) | Vendor contracts being replaced by AI: 3 (Jul 10, 2026) ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/)) | Not disclosed | Not surveyed |
| [Santander US](https://www.bankingnewsai.com/banks/santander-us) | ONE Transformation: shared platforms, AI for every employee, agentic commerce ([Bloomberg](https://bloomberg.com/news/articles/2026-02-25/santander-s-botin-sees-1-billion-ai-boost-amid-efficiency-push), [PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/santander-equips-all-workers-with-ai-and-seeks-1-15-billion-business-value/), [PYMNTS](https://www.pymnts.com/news/b2b-payments/2026/santanders-getnet-plugs-merchants-into-agentic-commerce/), [Banking Dive](https://www.bankingdive.com/news/santander-webster-management-roles-swati-bhatia-leaving/816983/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200334BIZWIRE_USPRX____20260820_BW118649-1)) | [23, incl. Christiana Riley (CEO, Santander US and US country head)](https://www.bankingnewsai.com/banks/santander-us#people) ([Banking Dive](https://www.bankingdive.com/news/santander-acquiring-webster-bank-12b/811270/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200334BIZWIRE_USPRX____20260820_BW118649-1), [American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-1-christiana-riley-santander-u-s)) | AI contribution to 2028 targets: > €1 billion: ≈ €300m revenue, ≈ €700m cost (Feb 25, 2026) ([Bloomberg](https://bloomberg.com/news/articles/2026-02-25/santander-s-botin-sees-1-billion-ai-boost-amid-efficiency-push)) | 1 patent listed on the profile, e.g. US 2023/0377033 A1 (Santander Consumer USA: simulating a loan payment structure on an interactive interface) ([Google Patents (USPTO)](https://patents.google.com/patent/US20230377033A1/en)) | Not surveyed |
| [M&T Bank](https://www.bankingnewsai.com/banks/mt-bank) | Microsoft Copilot on a data-lineage foundation ([American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai), [Fast Company](https://www.fastcompany.com/91596458/michael-wisler-m-t-bank-pacesetters-2026)) | [13, incl. Michael Wisler (Senior EVP, Technology and Operations)](https://www.bankingnewsai.com/banks/mt-bank#people) ([Fast Company](https://www.fastcompany.com/91596458/michael-wisler-m-t-bank-pacesetters-2026), [Forbes](https://www.forbes.com/sites/peterhigh/2026/08/28/how-mt-bank-built-a-technology-powerhouse-in-buffalo/)) | Employees on Copilot: 16,000 of 22,000 (Sep 18, 2025) ([American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai)) | Not disclosed | [8 open AI roles (Oct 1, 2026); most in responsible AI & governance](https://www.bankingnewsai.com/banks/mt-bank#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) |
| [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) |
| [Zions Bancorporation](https://www.bankingnewsai.com/banks/zions) | A modern core plus a Gemini-based enterprise AI platform ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Banking Dive](https://www.bankingdive.com/news/zions-jennifer-smith-cio-technology-operations-chief-leaving-mayer-collins/813657/)) | [11, incl. Harris Simmons (Chairman and CEO, Zions Bancorporation)](https://www.bankingnewsai.com/banks/zions#people) ([American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Reuters](https://reuters.com/business/finance/zions-bancorps-quarterly-profit-rises-interest-income-offsets-loan-loss-2025-10-20)) | Workforce using generative AI: 56% (Sep 24, 2025) ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation)) | Not disclosed | Not surveyed |
| [Western Alliance Bancorporation](https://www.bankingnewsai.com/banks/western-alliance) | Triangle of Fraud Protection and the enterprise AI programme ([American Banker](https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [American Banker](https://americanbanker.com/news/innovation-of-the-year-2025-meet-the-honorees), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1)) | [12, incl. Ken Vecchione (Chairman)](https://www.bankingnewsai.com/banks/western-alliance#people) ([Western Alliance Bancorporation](https://investors.westernalliancebancorporation.com/files/doc_presentations/2026/05/WAL_InvestorDay_2026_Final.pdf), [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/western-alliance-appoints-ceo-kenneth-130000207.html), [Yahoo Finance](https://finance.yahoo.com/quote/WAL-PA/earnings/WAL-PA-Q2-2026-earnings_call-652989.html)) | Employee hours saved by AI: 150,000+ (estimate based on Microsoft Copilot usage) (May 12, 2026) ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm)) | Not disclosed | [5 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/western-alliance#roles) |

## What are the latest dated moves on the AI record of Flagstar 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 9, 2026 | [Flagstar](https://www.bankingnewsai.com/banks/flagstar) | Third-quarter 2026 results set for 23 October ([Flagstar Bank (PR Newswire)](https://prnewswire.com/news-releases/flagstar-bank-na-to-report-third-quarter-2026-earnings-and-host-conference-call-on-october-23rd-302902712.html)) |
| Oct 1, 2026 | [M&T](https://www.bankingnewsai.com/banks/mt-bank) | Rajwani on AI agents and deposit runs ([American Banker](https://americanbanker.com/news/ai-agent-bank-runs-possible-but-unlikely-experts-say)) |
| Oct 1, 2026 | [Santander](https://www.bankingnewsai.com/banks/santander-us) | Riley: AI lets her 'vibe code' a CRM tool herself ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-1-christiana-riley-santander-u-s)) |
| 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 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 | [Valley](https://www.bankingnewsai.com/banks/valley) | Robbins on CNBC: AI agents not a threat to regional banks ([CNBC](https://cnbc.com/video/2026/09/29/valley-national-ceo-ira-robbins-ai-agents-not-a-threat-to-regional-banks.html)) |
| Sep 28, 2026 | [Valley](https://www.bankingnewsai.com/banks/valley) | Bluevine acquired for $340 million to accelerate the AI roadmap ([Valley National Bancorp (SEC filings, Form 8-K Exhibit 99.1)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex991.htm), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex992.htm), [Banking Dive](https://www.bankingdive.com/news/valley-national-bank-acquire-fintech-bluevine-340m-small-business-banking/831503/)) |
| 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 25, 2026 | [M&T](https://www.bankingnewsai.com/banks/mt-bank) | FinTech Futures profiles the RDC.AI deployment at M&T ([FinTech Futures](https://fintechfutures.com/ai-in-fintech/bringing-explainable-ai-to-commercial-and-business-banking)) |
| Sep 23, 2026 | [Santander](https://www.bankingnewsai.com/banks/santander-us) | Santander AI Lab launches A2K, a protocol for agent-to-knowledge access ([Banco Santander](https://www.santander.com/en/stories/a2k-a-new-protocol-for-connecting-ai-agents-to-governed-auditable-enterprise-knowledge)) |
| Sep 16, 2026 | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | Barclays conference: 15 AI use cases, top five for 2027 ([Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090)) |
| Sep 16, 2026 | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | AI team first used to defend against Mythos ([Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090)) |
| Aug 21, 2026 | [Flagstar](https://www.bankingnewsai.com/banks/flagstar) | Pope ties the real-time core to fraud and AI ([Banking Dive](https://www.bankingdive.com/news/flagstar-bank-fiserv-finxact-cloud-native-core-tech-modernization/828477/)) |
| Aug 20, 2026 | [Webster](https://www.bankingnewsai.com/banks/webster) | Integration plan: one platform by end-2027 ([American Banker](https://www.americanbanker.com/news/with-webster-in-hand-santander-says-its-poised-for-growth)) |
| Aug 20, 2026 | [Webster](https://www.bankingnewsai.com/banks/webster) | Webster Bank, N.A. merges into Santander Bank, N.A. ([Webster Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/801337/000119312526357758/d919931d8k.htm)) |
| Aug 6, 2026 | [Zions](https://www.bankingnewsai.com/banks/zions) | Q2 2026 10-Q lists AI among emerging-technology risks ([Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000111/zions-20260630.htm), [Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000083/zions-20260331.htm)) |
| Aug 5, 2026 | [Zions](https://www.bankingnewsai.com/banks/zions) | Zest AI says Zions Bank selected it for lending decisions ([Zest AI](https://www.zest.ai/company/announcements/zest-ai-delivers-record-first-half-fueled-by-77-growth-as-lenders-scale-ai/)) |

## How does Flagstar's StarIQ compare with its peers' employee AI?

The platform or tool each bank has named for employees, and the adoption it has put on the record. Measures differ: a share of staff, a user count or a count of agents.

| Bank | Platform or tool | Adoption disclosed | Date |
| --- | --- | --- | --- |
| Flagstar | StarIQ: Claude, Llama, Mistral and Titan on AWS, Palo Alto Networks AI firewalls, cited RAG pipeline, three model tiers to control cost | Available to all 5,400 employees; about 83% to 84% use it regularly | May and July 2026 ([Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/flagstar-bank-touts-turnaround-progress-080618215.html), [American Banker](https://www.americanbanker.com/leaders/the-ai-enabled-bank-reimagining-retail-banking-from-branch-to-mobile)) |
| M&T | Microsoft Copilot on a data-lineage foundation | 16,000 of 22,000 employees | September 2025 ([American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai)) |
| Huntington | Agentic process transformation run from finance | 50 AI agents in production, 60+ in development, about 15 new a month | April 2026 ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/)) |
| Citizens | GitHub Copilot coding agent | About 800 developers, half the total | November 2025 ([American Banker](https://www.americanbanker.com/news/how-citi-citizens-td-deploy-ai-agents-without-upsetting-humans)) |
| Santander US (group) | ChatGPT Enterprise across Europe and the Americas | Nearly 15,000 employees in two months | August 2025 ([Banco Santander](https://santander.com/en/stories/santander-data-ai-first-strategy-accelerates-through-openai-collaboration)) |
| Valley | Valley's AI Assistant and custom gen-AI agents built by its AI and data science team | Not quantified | April 2026 ([American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman)) |

## How does Flagstar's technology base compare with its peers'?

Core-banking and infrastructure moves each bank has disclosed, with the date. Several of these banks tie their AI plans to this layer.

| Bank | Core and infrastructure | Status | Date |
| --- | --- | --- | --- |
| Flagstar | Six data centers into two; two cores today; Fiserv's Finxact chosen from 12 candidates as the single core, $40 to $45 million of annual savings expected | Data centers done; core migrations summer 2027 and 2028 | June and August 2026 ([American Banker](https://www.americanbanker.com/news/how-flagstar-bank-integrated-its-acquired-data-centers), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/flagstar-flg-q1-2026-earnings-140646732.html), [Banking Dive](https://www.bankingdive.com/news/flagstar-bank-fiserv-finxact-cloud-native-core-tech-modernization/828477/)) |
| Citizens | 700 applications migrated over four years; the first super-regional bank fully in the cloud | Complete | 2025 ([American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [Citizens Financial Group](https://investor.citizensbank.com/~/media/Files/C/CitizensBank-IR/pro-014217-2-cfg-ar-2025-web-ready.pdf)) |
| Valley | More than 80% of data-center capacity moved to a cloud hub; core conversion completed | Complete | June 2026 ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [American Banker](https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking)) |
| Zions | TCS BaNCS loan and deposit core, 2013 to July 2024 | Complete | August 2024 ([American Banker](https://americanbanker.com/news/zions-leaders-reflect-on-lessons-learned-from-11-year-core-upgrade)) |
| Santander US | Openbank built on Santander's proprietary cloud platform for its consumer businesses | Live since October 2024 | October 2024 ([Banco Santander](https://santander.com/en/press-room/press-releases/2024/10/santander-launches-openbank-in-the-us-expanding-its-consumer-banking-business-nationwide)) |

## How does Flagstar's customer-facing AI compare with its peers'?

What each bank's customers see today, and any scale attached to it.

| Bank | Customer-facing AI or digital move | Scale disclosed | Date |
| --- | --- | --- | --- |
| Flagstar | None live; a real-time Customer 360 and AI-driven proactive insights for private banking are the stated goals | Customers to notice StarIQ-driven changes in six to nine months | March and July 2026 ([Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-N-A--EXPANDS-TECHNOLOGY-LEADERSHIP-TEAM-ACCELERATING-THE-BANKS-TECHNOLOGY-ARCHITECTURE/default.aspx), [American Banker](https://www.americanbanker.com/leaders/the-ai-enabled-bank-reimagining-retail-banking-from-branch-to-mobile)) |
| Citizens | CiZi assistant in the mobile app | Mobile-banking call volume down 44%; usage up 40% year over year | 2025 to 2026 ([American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [Citizens Financial Group](https://investor.citizensbank.com/~/media/Files/C/CitizensBank-IR/pro-014217-2-cfg-ar-2025-web-ready.pdf)) |
| Valley | Autonomous voice AI agent for past-due auto-loan reminders and collections | Not quantified | April 2026 ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-q1-earnings-223612150.html), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm)) |
| Huntington | AI-priced deposits across 56 rate regions; Euromoney's US best digital bank for consumers | Not quantified | July 2026 ([Banking Dive](https://www.bankingdive.com/news/huntington-banks-fee-growth-amid-deposit-cost-competition/826247/), [Huntington](https://ir.huntington.com/news-presentations/press-releases/detail/1004/huntington-bank-named-the-united-states-best-digital-bank-for-consumers)) |
| Santander US | Openbank, a digital bank | More than $10 billion of US deposits | October 2026 ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-1-christiana-riley-santander-u-s)) |

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

Flagstar Bank is compared here with Webster Bank, Valley National Bancorp, Santander US, M&T Bank, Citizens Financial Group, Huntington Bancshares, Zions Bancorporation and Western Alliance Bancorporation: chosen by the editors for this page (see the note below the table). Flagstar Bank is classed as a regional or retail-commercial bank in the Northeast.

The computed group mixed in Puerto Rico's Popular and California's East West; this group is built from Flagstar's own 2026 proxy compensation peer group (Webster, Valley, M&T, Citizens, Huntington, Zions and Western Alliance) plus Santander US, which since August 2026 owns Webster and competes with Flagstar for New York and New Jersey deposits.

## Common questions

### Is Flagstar better than Valley at AI?

The record cannot settle capability, but Valley has put more on it: 76.6 on this site's disclosure index against Flagstar's 65.3. Valley runs customer-facing AI, including a voice agent for past-due auto loans, and agreed to buy Bluevine in September 2026. Flagstar has the more distinctive in-house platform, StarIQ, with a patent application filed in June 2026. ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-q1-earnings-223612150.html), [Valley National Bancorp (SEC filings, Form 8-K Exhibit 99.1)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex991.htm), [Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx))

### What is StarIQ and how does it compare with other banks' AI platforms?

StarIQ is Flagstar's generative-AI orchestration system, deployed in early 2026: four foundation models on AWS, Palo Alto Networks AI firewalls, retrieval with citations and an auditable approval workflow. Most peers name a single vendor tool instead: M&T uses Microsoft Copilot, and Santander's group rolled out ChatGPT Enterprise. ([Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai), [Banco Santander](https://santander.com/en/stories/santander-data-ai-first-strategy-accelerates-through-openai-collaboration))

### Does Flagstar have an AI assistant for customers?

Not yet. Its CIO said in July 2026 that customers should notice StarIQ-driven changes in six to nine months, and the S2 architecture's stated customer goals are a real-time Customer 360 and proactive private-banking insights. Citizens' CiZi assistant, by comparison, has cut mobile-banking call volume by 44%. ([American Banker](https://www.americanbanker.com/leaders/the-ai-enabled-bank-reimagining-retail-banking-from-branch-to-mobile), [Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-N-A--EXPANDS-TECHNOLOGY-LEADERSHIP-TEAM-ACCELERATING-THE-BANKS-TECHNOLOGY-ARCHITECTURE/default.aspx), [American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking))

### How does Flagstar's technology spending compare with its peers?

Flagstar's CEO put 2025 technology investment at $70 million to $80 million plus $30 million to $40 million for AML software and customer privacy, and software expense reached $96 million in the first half of 2026. Huntington says its technology investment grew at a 25% compound rate over five years. ([American Banker](https://americanbanker.com/news/how-joseph-otting-plans-to-pull-off-turnaround-of-flagstar), [Flagstar Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/910073/000091007326000068/fbc-20260630.htm), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai))

### How does Flagstar compare with M&T on AI?

M&T scores 75.5 on this site's disclosure index and Flagstar 65.3. M&T reports 16,000 of 22,000 employees on Microsoft Copilot and says most of its AI will come from vendors. Flagstar built its own platform, StarIQ, and reports about 83% to 84% of 5,400 employees using it regularly. ([American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai), [Investing.com](https://investing.com/news/transcripts/mt-bank-at-boston-conference-strategic-transformation-insights-93CH-4339428), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/flagstar-bank-touts-turnaround-progress-080618215.html))

### Who leads AI at Flagstar compared with its peers?

Chief information and operations officer Chris Higgins chairs Flagstar's AI strategy committee, which the CEO attends, and Robert Martin, hired from MUFG in March 2026, is Head of AI and Engineering. Huntington's AI program is run by its CFO, and Valley names a head of AI and data science, Nickolaus Lachman. ([American Banker](https://www.americanbanker.com/leaders/the-ai-enabled-bank-reimagining-retail-banking-from-branch-to-mobile), [Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-N-A--EXPANDS-TECHNOLOGY-LEADERSHIP-TEAM-ACCELERATING-THE-BANKS-TECHNOLOGY-ARCHITECTURE/default.aspx), [Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman))

### How does Flagstar compare with Citizens on AI?

Citizens has put far more on the record: 85.3 on this site's disclosure index against Flagstar's 65.3. Citizens runs a customer assistant, CiZi, that cut mobile-banking call volume by 44%, and gave GitHub Copilot's coding agent to about 800 developers. Flagstar's StarIQ is employee-facing for now, with 83% to 84% of staff using it regularly. ([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/how-citi-citizens-td-deploy-ai-agents-without-upsetting-humans), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/flagstar-bank-touts-turnaround-progress-080618215.html))

### How does Flagstar's AI compare with Huntington's?

Huntington scores 84.2 on this site's disclosure index and Flagstar 65.3. Huntington counts its AI in agents, 50 in production and more than 60 in development in April 2026, run from the CFO's office. Flagstar counts it in users of one platform, StarIQ, and sends work to three model tiers to manage cost. ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/flagstar-bank-touts-turnaround-progress-080618215.html), [American Banker](https://www.americanbanker.com/leaders/the-ai-enabled-bank-reimagining-retail-banking-from-branch-to-mobile))

### Will Flagstar license its AI platform to other banks?

It has not ruled it out. Higgins said in June 2026 that protecting the S2 platform and StarIQ as intellectual property is about optionality and declined to rule out licensing to smaller banks. No peer in this group has said it would license its AI platform. ([Banking Dive](https://www.bankingdive.com/news/flagstar-cio-chris-higgins-s2-stariq-proprietary-tech-platform-ai/823404/), [Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx))

## Peers on this site

- [Webster Bank AI strategy](https://www.bankingnewsai.com/banks/webster) · [vs peers](https://www.bankingnewsai.com/banks/webster/vs-peers)
- [Valley National Bancorp AI strategy](https://www.bankingnewsai.com/banks/valley) · [vs peers](https://www.bankingnewsai.com/banks/valley/vs-peers)
- [Santander US AI strategy](https://www.bankingnewsai.com/banks/santander-us) · [vs peers](https://www.bankingnewsai.com/banks/santander-us/vs-peers)
- [M&T Bank AI strategy](https://www.bankingnewsai.com/banks/mt-bank) · [vs peers](https://www.bankingnewsai.com/banks/mt-bank/vs-peers)
- [Citizens Financial Group AI strategy](https://www.bankingnewsai.com/banks/citizens) · [vs peers](https://www.bankingnewsai.com/banks/citizens/vs-peers)
- [Huntington Bancshares AI strategy](https://www.bankingnewsai.com/banks/huntington) · [vs peers](https://www.bankingnewsai.com/banks/huntington/vs-peers)
- [Zions Bancorporation AI strategy](https://www.bankingnewsai.com/banks/zions) · [vs peers](https://www.bankingnewsai.com/banks/zions/vs-peers)
- [Western Alliance Bancorporation AI strategy](https://www.bankingnewsai.com/banks/western-alliance) · [vs peers](https://www.bankingnewsai.com/banks/western-alliance/vs-peers)

## Sources

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2. Flagstar Bank Touts Turnaround Progress, Eyes Capital Returns as CRE Exposure Falls — MarketBeat (Yahoo Finance), May 12, 2026. https://finance.yahoo.com/markets/stocks/articles/flagstar-bank-touts-turnaround-progress-080618215.html
3. M&T Bank at Boston Conference: Strategic Transformation Insights (transcript) — Investing.com, Nov 6, 2025. https://investing.com/news/transcripts/mt-bank-at-boston-conference-strategic-transformation-insights-93CH-4339428
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19. At Huntington Bancshares, the CFO is also the AI strategist — Fortune, Apr 24, 2026. https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/
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22. #47 Valley Bank's COO is building an AI-ready bank — American Banker, Jun 1, 2026. https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking
23. Santander's Botin Sees €1 Billion AI Boost Amid Efficiency Push — Bloomberg, Feb 25, 2026. https://bloomberg.com/news/articles/2026-02-25/santander-s-botin-sees-1-billion-ai-boost-amid-efficiency-push
24. Santander Equips All Workers With AI and Seeks $1.15 Billion Business Value — PYMNTS, Jun 21, 2026. https://www.pymnts.com/news/artificial-intelligence/2026/santander-equips-all-workers-with-ai-and-seeks-1-15-billion-business-value/
25. Santander's Getnet Plugs Merchants Into Agentic Commerce — PYMNTS, Jun 9, 2026. https://www.pymnts.com/news/b2b-payments/2026/santanders-getnet-plugs-merchants-into-agentic-commerce/
26. Santander, Webster lay out post-deal management plan — Banking Dive, Apr 8, 2026. https://www.bankingdive.com/news/santander-webster-management-roles-swati-bhatia-leaving/816983/
27. Santander Expands U.S. Presence with Completion of Webster Acquisition — Business Wire via FT Markets, Aug 20, 2026. https://markets.ft.com/data/announce/full?dockey=600-202608200334BIZWIRE_USPRX____20260820_BW118649-1
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29. Huntington Bank's plan to obtain a return on gen AI — American Banker, Sep 11, 2025. https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai
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31. Nickolaus Lachman, SVP, Head of AI & Data Science, Valley Bank (Digital Banking speaker profile) — American Banker, Apr 15, 2026. https://digital-banking.americanbanker.com/profile/nickolas-lachman
32. Valley National Bancorp second quarter 2026 earnings presentation (Form 8-K, Exhibit 99.2) — Valley National Bancorp (SEC filings), Jul 23, 2026. https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm
33. How this Buffalo-based bank is using tech as a competitive edge — Fast Company, Sep 2, 2026. https://www.fastcompany.com/91596458/michael-wisler-m-t-bank-pacesetters-2026
34. How Truist and Western Alliance deploy AI to fight fraud — American Banker, Jun 4, 2025. https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud
35. 2025 Digital Payments in Class Actions and Mass Torts — Western Alliance Bank, Apr 4, 2025. https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf
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37. Western Alliance Bank Launches WA VenueX — Always-On Institutional Liquidity Hub and Financial Platform for the On-Chain Economy — Business Wire via FT Markets, Jul 24, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1
38. Webster Bank Implements Prolific Banking's FI-Streams Connector to Enable Commercial Client Financial Data Connectivity — Business Wire via FT Markets, Jun 11, 2026. https://markets.ft.com/data/announce/full?dockey=600-202606111200BIZWIRE_USPRX____20260611_BW592775-1
39. Impact Makers Award Winners – Q2 2026 — Webster Bank, Jun 10, 2026. https://websterbank.com/impact-makers-award-winners
40. Flagstar CIO: Proprietary tech creates 'optionality' — Banking Dive, Jun 22, 2026. https://www.bankingdive.com/news/flagstar-cio-chris-higgins-s2-stariq-proprietary-tech-platform-ai/823404/
41. The Most Powerful Women to Watch, No. 3, Jennifer Smith, Zions Bancorporation — American Banker, Sep 24, 2025. https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation
42. Zions' revamped tech leadership team eyes AI, stablecoins — American Banker, Mar 10, 2026. https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins
43. Zions Bancorporation sees executive shuffle — Banking Dive, Mar 3, 2026. https://www.bankingdive.com/news/zions-jennifer-smith-cio-technology-operations-chief-leaving-mayer-collins/813657/
44. Flagstar is back in the black after eight quarters of losses — American Banker, Jan 30, 2026. https://americanbanker.com/news/flagstar-is-back-in-the-black-after-eight-quarters-of-losses
45. Flagstar extends CEO Otting's tenure but sets up succession race — Banking Dive, May 20, 2026. https://www.bankingdive.com/news/flagstar-otting-extend-compensation-succession-raffetto-smith-co-president-nguyen-sullivan-menefee/820741/
46. Flagstar Bank Extends Joseph Otting's Term as CEO and Announces Executive Leadership Updates (Form 8-K, Exhibit 99.1) — Flagstar Bank (SEC filings), May 18, 2026. https://www.sec.gov/Archives/edgar/data/910073/000091007326000053/flg-leadershipsuccession.htm
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48. Santander sets a new standard for profitable growth (Investor Day press release, filed on Form 425 regarding Webster) — Banco Santander (SEC filings), Feb 25, 2026. https://www.sec.gov/Archives/edgar/data/801337/000095010326002606/dp242029_425-2.htm
49. Valley National Bancorp Announces First Quarter 2026 Results — Valley National Bancorp, Apr 23, 2026. https://valley.com/content/dam/valley/pdfs/earnings/2026/q1/Exhibit%2099.1%20Earnings%20Release%2004.23.2026%20FINAL.pdf
50. The Most Powerful Women in Banking Women to Watch, #1, Christiana Riley, Santander U.S. — American Banker, Oct 1, 2026. https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-1-christiana-riley-santander-u-s
51. US20230377033A1: Computer system and method for simulating loan payment structure on an interactive interface (Santander Consumer USA) — Google Patents (USPTO), Nov 23, 2023. https://patents.google.com/patent/US20230377033A1/en
52. How M&T Bank Built A Technology Powerhouse In Buffalo — Forbes, Aug 28, 2026. https://www.forbes.com/sites/peterhigh/2026/08/28/how-mt-bank-built-a-technology-powerhouse-in-buffalo/
53. Citizens' latest move further positions Coughlin as next CEO — American Banker, Jul 9, 2026. https://www.americanbanker.com/news/citizens-latest-move-further-positions-coughlin-as-next-ceo
54. 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
55. US20250150457A1: AI-driven integration platform and user-adaptive interface for business relationship orchestration — Google Patents (USPTO), May 8, 2025. https://patents.google.com/patent/US20250150457A1/en
56. 'It's a tremendous priority': Huntington CFO Wasserman on AI — American Banker, Mar 4, 2025. https://www.americanbanker.com/podcast/its-a-tremendous-priority-huntington-cfo-wasserman-on-ai
57. US11194637B2: Extensible alerts platform — Google Patents (USPTO), Dec 7, 2021. https://patents.google.com/patent/US11194637B2/en
58. Zions Bancorp's quarterly profit rises on interest income; offsets loan loss — Reuters, Oct 20, 2025. https://reuters.com/business/finance/zions-bancorps-quarterly-profit-rises-interest-income-offsets-loan-loss-2025-10-20
59. Western Alliance Bancorporation Investor Day 2026 presentation — Western Alliance Bancorporation, May 11, 2026. https://investors.westernalliancebancorporation.com/files/doc_presentations/2026/05/WAL_InvestorDay_2026_Final.pdf
60. Western Alliance Appoints CEO Kenneth Vecchione as Chairman — Business Wire via Yahoo Finance, Jun 15, 2026. https://finance.yahoo.com/markets/stocks/articles/western-alliance-appoints-ceo-kenneth-130000207.html
61. Western Alliance Bancorporation (WAL-PA) Q2 FY2026 earnings call transcript — Yahoo Finance, Jul 22, 2026. https://finance.yahoo.com/quote/WAL-PA/earnings/WAL-PA-Q2-2026-earnings_call-652989.html
62. Western Alliance Bancorporation Investor Day 2026 presentation (Form 8-K, Exhibit 99.1) — Western Alliance Bancorporation (SEC filings), May 12, 2026. https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm
63. Flagstar Bank, N.A. to Report Third Quarter 2026 Earnings and Host Conference Call on October 23rd — Flagstar Bank (PR Newswire), Oct 9, 2026. https://prnewswire.com/news-releases/flagstar-bank-na-to-report-third-quarter-2026-earnings-and-host-conference-call-on-october-23rd-302902712.html
64. AI agent bank runs possible but unlikely, experts say — American Banker, Oct 1, 2026. https://americanbanker.com/news/ai-agent-bank-runs-possible-but-unlikely-experts-say
65. Coverbase Adds Third-Party Risk Veterans as Enterprise Adoption Accelerates — Coverbase (GlobeNewswire), Sep 29, 2026. https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html
66. 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
67. 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
68. Valley National CEO Ira Robbins: AI agents not a threat to regional banks — CNBC, Sep 29, 2026. https://cnbc.com/video/2026/09/29/valley-national-ceo-ira-robbins-ai-agents-not-a-threat-to-regional-banks.html
69. Valley National Bancorp to Acquire Bluevine Inc., Accelerating Its Digital Small Business Growth Strategy and Meaningfully Enhancing Its Core Funding Capabilities — Valley National Bancorp (SEC filings, Form 8-K Exhibit 99.1), Sep 28, 2026. https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex991.htm
70. Accelerating Valley's National Digital Banking Franchise (Form 8-K Exhibit 99.2) — Valley National Bancorp (SEC filings), Sep 28, 2026. https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex992.htm
71. Valley National Bank to acquire fintech Bluevine for $340M — Banking Dive, Sep 28, 2026. https://www.bankingdive.com/news/valley-national-bank-acquire-fintech-bluevine-340m-small-business-banking/831503/
72. 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
73. Bringing explainable AI to commercial and business banking — FinTech Futures, Sep 25, 2026. https://fintechfutures.com/ai-in-fintech/bringing-explainable-ai-to-commercial-and-business-banking
74. A2K: a new protocol suite for connecting AI agents to governed, auditable enterprise knowledge — Banco Santander, Sep 23, 2026. https://www.santander.com/en/stories/a2k-a-new-protocol-for-connecting-ai-agents-to-governed-auditable-enterprise-knowledge
75. Western Alliance at Barclays Conference: shift to profits, buybacks (transcript) — Investing.com, Sep 16, 2026. https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090
76. Santander isn't rushing into Webster integration: US CEO — American Banker, Aug 20, 2026. https://www.americanbanker.com/news/with-webster-in-hand-santander-says-its-poised-for-growth
77. Webster Financial Corporation Form 8-K: completion of the acquisition by Banco Santander and merger of Webster Bank into Santander Bank, N.A. — Webster Financial (SEC filings), Aug 20, 2026. https://www.sec.gov/Archives/edgar/data/801337/000119312526357758/d919931d8k.htm
78. Zions Bancorporation, N.A. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Zions Bancorporation (SEC filings), Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/109380/000010938026000111/zions-20260630.htm
79. Zions Bancorporation, N.A. Quarterly Report on Form 10-Q for the quarter ended March 31, 2026 — Zions Bancorporation (SEC filings), May 7, 2026. https://www.sec.gov/Archives/edgar/data/109380/000010938026000083/zions-20260331.htm
80. Zest AI Delivers Record First Half, Fueled by 77% Growth as Lenders Scale AI — Zest AI, Aug 5, 2026. https://www.zest.ai/company/announcements/zest-ai-delivers-record-first-half-fueled-by-77-growth-as-lenders-scale-ai/
81. Zions leaders reflect on lessons learned from 11-year core upgrade — American Banker, Aug 21, 2024. https://americanbanker.com/news/zions-leaders-reflect-on-lessons-learned-from-11-year-core-upgrade
82. Santander launches Openbank in the US, expanding its consumer banking business nationwide — Banco Santander, Oct 21, 2024. https://santander.com/en/press-room/press-releases/2024/10/santander-launches-openbank-in-the-us-expanding-its-consumer-banking-business-nationwide
83. Huntington banks on fee growth amid deposit cost competition — Banking Dive, Jul 27, 2026. https://www.bankingdive.com/news/huntington-banks-fee-growth-amid-deposit-cost-competition/826247/
84. Huntington Bank Named the United States' Best Digital Bank for Consumers — Huntington, Jul 20, 2026. https://ir.huntington.com/news-presentations/press-releases/detail/1004/huntington-bank-named-the-united-states-best-digital-bank-for-consumers
85. How Joseph Otting plans to pull off turnaround of Flagstar — American Banker, Apr 3, 2025. https://americanbanker.com/news/how-joseph-otting-plans-to-pull-off-turnaround-of-flagstar

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