# First National Bank of Omaha (FNBO) vs peers: AI and technology compared

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

*Part of the [First National Bank of Omaha (FNBO) AI strategy profile](https://www.bankingnewsai.com/banks/fnbo). Peer group: Bread Financial Holdings, Barclays US Consumer Bank, Synchrony Financial, Commerce Bancshares, UMB Financial, Central Bancompany, Associated Banc-Corp, BOK Financial Corporation.*

## How does First National Bank of Omaha (FNBO) compare with its peers on AI and technology?

On this site's AI disclosure index FNBO scores 53.2 (#53 of 120 US banks), fourth in a nine-bank group of co-brand card issuers and Midwest banks, behind Synchrony (68.8), Associated (56.8) and Barclays US (55.5) and just ahead of Bread Financial (50.5), UMB (47.9), BOK Financial (41.8), Commerce (34) and Central Bancompany (24.7). What sets it apart is AI agents in production for a regional bank of its size. Nasdaq Verafin agents for enhanced due diligence and sanctions screening cut investigator time per financial-crime case by 50% (June 2026), and Pindrop reports that its Fraud Assist agent cut FNBO's fraud-case time by 35% to 40% (March 2026, vendor figures). It was also early to AI lending, piloting Upstart's software from July 2019. Where it trails is disclosure: as a private bank it scores 11 on its own primary disclosures, 7th of 9, and its card rivals publish more. Synchrony says nearly 100% of its professional workforce has used AI tools since 2024 and named a chief AI officer in 2026; Barclays US summarized more than 8 million calls with generative AI in four months; Bread reviews 100% of customer calls with AI against 2% to 3% before. FNBO's chairman wrote in March 2026 that AI is now something the bank does routinely. ([American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime), [Pindrop (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/03/17/3257231/0/en/pindrop-unveils-first-agentic-fraud-investigation-solution-to-combat-surging-ai-driven-fraud.html), [American Banker](https://www.americanbanker.com/news/the-banks-warming-to-ai-based-lending), [Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/), [Investing.com](https://investing.com/news/transcripts/bread-financial-at-barclays-conference-strategic-moves-and-market-insights-93CH-4231903), [First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf))

## Where does FNBO lead its peers on AI?

- **AI agents in financial-crime work, with a measured result.** FNBO's Nasdaq Verafin agents for enhanced due diligence and sanctions triage cut investigator time per case by 50%; an EDD case that took half an hour now takes about 15 minutes (June 2026). Among its Midwest peers, Associated reports 30 AI use cases in process and BOK Financial made no AI remark on four straight earnings calls to Q2 2026. ([American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-beats-q2-2026-eps-forecast-shares-slip-93CH-4803980))
- **A second agent in card-fraud investigations.** Pindrop reports that its Fraud Assist agent, which translates and summarizes calls and drafts case documentation, cut FNBO's fraud-case time by 35% to 40% and raised analyst accuracy by 50% (March 2026, vendor-reported). Bread Financial reported $65 million of fraud-related operational losses in each of 2025 and 2024. ([Pindrop (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/03/17/3257231/0/en/pindrop-unveils-first-agentic-fraud-investigation-solution-to-combat-surging-ai-driven-fraud.html), [Bread Financial Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1101215/000110121526000016/bfh-20251231.htm))
- **Earlier into AI lending than its bank peers.** FNBO piloted Upstart's AI-based lending software from July 2019 and briefed the OCC on it, then expanded it nationwide in December 2021 with 78% of loans approved instantly. Synchrony's chief AI officer took office only on June 30, 2026. ([American Banker](https://www.americanbanker.com/news/the-banks-warming-to-ai-based-lending), [FNBO and Upstart (Business Wire)](https://www.businesswire.com/news/home/20211208005384/en/First-National-Bank-of-Omaha-Expands-Personal-Loans-Powered-by-Upstart), [Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html))
- **More disclosed numbers than most of the group.** FNBO scores 16 on disclosed numbers, third of nine behind Barclays US (17): investigator time, Pindrop results, Upstart approval rates and its card charge-off rate, which fell to 4.92% in 2025 from 5.52%. Commerce's disclosed numbers are digital-adoption figures rather than AI results. ([American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime), [Pindrop (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/03/17/3257231/0/en/pindrop-unveils-first-agentic-fraud-investigation-solution-to-combat-surging-ai-driven-fraud.html), [FNBO and Upstart (Business Wire)](https://www.businesswire.com/news/home/20211208005384/en/First-National-Bank-of-Omaha-Expands-Personal-Loans-Powered-by-Upstart), [First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf))

## Where does FNBO trail its peers on AI?

- **Less employee AI on the record than Synchrony.** FNBO discloses no enterprise generative-AI tool for staff; its generative-AI strategy is led by a vice president of technology data services. Synchrony says nearly 100% of its professional workforce has used AI tools since 2024 and that it is deploying OpenAI models across the enterprise (August 2026). ([University of Nebraska Omaha](https://www.unomaha.edu/omaxai/speakers/past-speakers/erin-saxby.php), [Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [Synchrony (PR Newswire)](https://investors.synchrony.com/news-events/financial-news/detail/586/synchrony-announces-enterprise-collaboration-with-openai-to-power-the-next-era-of-agentic-commerce))
- **Fewer primary disclosures, as a private bank.** FNBO scores 11 on its own primary disclosures, 7th of 9 against a median of 14.5; it files no 10-K and its annual stockholder letter mentions AI once. Commerce leads the group with 21, including an AI roadmap in its annual report. ([First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf), [Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf))
- **No contact-center generative AI at Barclays' scale.** Barclays US summarized more than 8 million calls with generative AI from October 2025 to February 2026, and Bread Financial reviews 100% of customer calls with AI against a 2% to 3% sample before. FNBO's disclosed call AI is Pindrop's fraud-case agent. ([Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/), [Investing.com](https://investing.com/news/transcripts/bread-financial-at-barclays-conference-strategic-moves-and-market-insights-93CH-4231903), [Pindrop (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/03/17/3257231/0/en/pindrop-unveils-first-agentic-fraud-investigation-solution-to-combat-surging-ai-driven-fraud.html))
- **No chief AI officer, unlike Synchrony.** FNBO's AI work is spread across risk, financial crime and technology data services, with no single AI executive named. Synchrony named a chief AI officer from Citi effective June 30, 2026, and Associated names a chief data officer. ([University of Nebraska Omaha](https://www.unomaha.edu/omaxai/speakers/past-speakers/erin-saxby.php), [American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime), [Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [American Banker](https://digital-banking.americanbanker.com/profile/alexander-bush))

## Where does FNBO 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Synchrony Financial](https://www.bankingnewsai.com/banks/synchrony) | [68.8](https://www.bankingnewsai.com/banks/ai-index) | #35 of 120 | [12](https://www.bankingnewsai.com/banks/synchrony#sources) | [15](https://www.bankingnewsai.com/banks/synchrony#sources) | [10 of 15](https://www.bankingnewsai.com/banks/synchrony#where) | [20](https://www.bankingnewsai.com/banks/synchrony#timeline) | Synchrony GPT and the ChatGPT Enterprise rollout ([Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [Synchrony (PR Newswire)](https://investors.synchrony.com/news-events/financial-news/detail/586/synchrony-announces-enterprise-collaboration-with-openai-to-power-the-next-era-of-agentic-commerce), [American Banker](https://americanbanker.com/news/synchronys-carol-juel-is-29-on-the-most-innovative-people-in-finance-ranking)) |
| [Associated Banc-Corp](https://www.bankingnewsai.com/banks/associated) | [56.8](https://www.bankingnewsai.com/banks/ai-index) | #49 of 120 | [11](https://www.bankingnewsai.com/banks/associated#sources) | [19](https://www.bankingnewsai.com/banks/associated#sources) | [4 of 11](https://www.bankingnewsai.com/banks/associated#where) | [17](https://www.bankingnewsai.com/banks/associated#timeline) | Line-of-business AI under a chief data officer / CIO ([Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Banking Dive](https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/), [American Banker](https://digital-banking.americanbanker.com/profile/alexander-bush), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Announces-Annual-Meeting-Results-Dividends-Stock-Repurchase-Program-and-New-Technology-Committee)) |
| [Barclays US Consumer Bank](https://www.bankingnewsai.com/banks/barclays-us) | [55.5](https://www.bankingnewsai.com/banks/ai-index) | #51 of 120 | [10](https://www.bankingnewsai.com/banks/barclays-us#sources) | [11](https://www.bankingnewsai.com/banks/barclays-us#sources) | [8 of 12](https://www.bankingnewsai.com/banks/barclays-us#where) | [16](https://www.bankingnewsai.com/banks/barclays-us#timeline) | GenAI call summarisation under Barclays' group AI programme ([Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/), [American Banker](https://www.americanbanker.com/news/barclays-to-buy-best-egg-for-800m-and-expand-u-s-footprint), [Business Wire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604141058BIZWIRE_USPRX____20260414_BW065778-1)) |
| [First National Bank of Omaha (FNBO) (this page)](https://www.bankingnewsai.com/banks/fnbo) | [53.2](https://www.bankingnewsai.com/banks/ai-index) | #53 of 120 | [10](https://www.bankingnewsai.com/banks/fnbo#sources) | [11](https://www.bankingnewsai.com/banks/fnbo#sources) | [8 of 12](https://www.bankingnewsai.com/banks/fnbo#where) | [14](https://www.bankingnewsai.com/banks/fnbo#timeline) | Nasdaq Verafin AI agents for financial-crime investigation ([American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime), [FNBO](https://www.fnbo.com/insights/fraud-and-security-tips/2025/ai-powered-scams-target-consumers), [FNBO](https://www.fnbo.com/insights/commercial-business/2025/how-fnbo-is-driving-innovation-through-strategic-partnerships)) |
| [Bread Financial Holdings](https://www.bankingnewsai.com/banks/bread-financial) | [50.5](https://www.bankingnewsai.com/banks/ai-index) | #57 of 120 | [10](https://www.bankingnewsai.com/banks/bread-financial#sources) | [12](https://www.bankingnewsai.com/banks/bread-financial#sources) | [10 of 12](https://www.bankingnewsai.com/banks/bread-financial#where) | [12](https://www.bankingnewsai.com/banks/bread-financial#timeline) | In-house agentic AI platform and AI knowledge-management tool ([Fortune](https://fortune.com/2026/04/08/amid-the-saaspocalypse-cios-and-ctos-take-a-harder-line-with-their-vendors), [Bread Financial Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1101215/000110121526000016/bfh-20251231.htm)) |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | [47.9](https://www.bankingnewsai.com/banks/ai-index) | #61 of 120 | [7](https://www.bankingnewsai.com/banks/umb#sources) | [14](https://www.bankingnewsai.com/banks/umb#sources) | [9 of 10](https://www.bankingnewsai.com/banks/umb#where) | [16](https://www.bankingnewsai.com/banks/umb#timeline) | Integration first: the Heartland systems conversion ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) |
| [BOK Financial Corporation](https://www.bankingnewsai.com/banks/bok-financial) | [41.8](https://www.bankingnewsai.com/banks/ai-index) | #69 of 120 | [9](https://www.bankingnewsai.com/banks/bok-financial#sources) | [18](https://www.bankingnewsai.com/banks/bok-financial#sources) | [4 of 6](https://www.bankingnewsai.com/banks/bok-financial#where) | [20](https://www.bankingnewsai.com/banks/bok-financial#timeline) | Not disclosed |
| [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | [34](https://www.bankingnewsai.com/banks/ai-index) | #84 of 120 | [3](https://www.bankingnewsai.com/banks/commerce#sources) | [21](https://www.bankingnewsai.com/banks/commerce#sources) | [6 of 10](https://www.bankingnewsai.com/banks/commerce#where) | [15](https://www.bankingnewsai.com/banks/commerce#timeline) | Enterprise data strategy with an AI pillar; receivables automation for commercial clients ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time), [Commerce Bank](https://commercebank.com/personal/ideas-and-tips/2024/how-to-stay-safe-from-ai-powered-fraud)) |
| [Central Bancompany](https://www.bankingnewsai.com/banks/central-bancompany) | [24.7](https://www.bankingnewsai.com/banks/ai-index) | #95 of 120 | [2](https://www.bankingnewsai.com/banks/central-bancompany#sources) | [11](https://www.bankingnewsai.com/banks/central-bancompany#sources) | [8 of 11](https://www.bankingnewsai.com/banks/central-bancompany#where) | [13](https://www.bankingnewsai.com/banks/central-bancompany#timeline) | In-house technology division and core modernisation programme ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Central Bank](https://www.centralbank.net/learning-center/how-ai-is-changing-the-economy/), [Central Bank](https://www.centralbank.net/learning-center/security/emerging-trends/the-rise-of-ai-enhanced-scams/), [Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) |

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

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

| Component (weight) | FNBO | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 10 | 9.5 | [Synchrony (12)](https://www.bankingnewsai.com/banks/synchrony) | 3rd of 9 |
| Use cases in production (10%) | 8 | 8 | [Bread Financial (10)](https://www.bankingnewsai.com/banks/bread-financial) | 4th of 9 |
| Own primary disclosures (10%) | 11 | 14.5 | [Commerce (21)](https://www.bankingnewsai.com/banks/commerce) | 7th of 9 |
| Dated moves, last 12 months (10%) | 14 | 16 | [Synchrony (20)](https://www.bankingnewsai.com/banks/synchrony) | 7th of 9 |
| Disclosed numbers (5%) | 16 | 13.5 | [Barclays US (17)](https://www.bankingnewsai.com/banks/barclays-us) | 3rd of 9 |
| Named AI leaders (5%) | 11 | 10 | [Barclays US (13)](https://www.bankingnewsai.com/banks/barclays-us) | 3rd of 9 |
| Use cases described (5%) | 12 | 11 | [Synchrony (15)](https://www.bankingnewsai.com/banks/synchrony) | 2nd of 9 |

## What has each bank in FNBO'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 |
| --- | --- | --- | --- | --- | --- |
| [First National Bank of Omaha (FNBO)](https://www.bankingnewsai.com/banks/fnbo) | Nasdaq Verafin AI agents for financial-crime investigation ([American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime), [FNBO](https://www.fnbo.com/insights/fraud-and-security-tips/2025/ai-powered-scams-target-consumers), [FNBO](https://www.fnbo.com/insights/commercial-business/2025/how-fnbo-is-driving-innovation-through-strategic-partnerships)) | [11, incl. Clark Lauritzen (Chairman and President)](https://www.bankingnewsai.com/banks/fnbo#people) ([American Banker](https://americanbanker.com/news/no-pause-button-omaha-bank-inks-second-m-a-deal-since-june), [American Banker](https://www.americanbanker.com/news/deal-would-give-nebraskas-fnbo-a-leg-up-in-kansas-city)) | Americans who have used AI for personal finances: 46% (a further 50% trust AI for financial advice) (Sep 23, 2025) ([FNBO](https://www.fnbo.com/insights/newsroom/2025/fnbo-releases-2025-financial-wellbeing-study)) | 1 patent listed on the profile, e.g. US 2014/0304170 A1 (Remote credit issuance system, filed by First National of Nebraska, Inc.) ([Google Patents (USPTO)](https://patents.google.com/patent/US20140304170A1/en)) | [2 open AI roles (Sep 24, 2026); most in responsible AI & governance](https://www.bankingnewsai.com/banks/fnbo#roles) |
| [Bread Financial Holdings](https://www.bankingnewsai.com/banks/bread-financial) | In-house agentic AI platform and AI knowledge-management tool ([Fortune](https://fortune.com/2026/04/08/amid-the-saaspocalypse-cios-and-ctos-take-a-harder-line-with-their-vendors), [Bread Financial Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1101215/000110121526000016/bfh-20251231.htm)) | [4, incl. Ralph Andretta (President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/bread-financial#people) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bread-financial-tops-q2-2026-estimates-on-strong-credit-sales-93CH-4809145)) | Customer calls reviewed with AI: 100% of calls, versus a sample of 2% to 3% before (Sep 9, 2025) ([Investing.com](https://investing.com/news/transcripts/bread-financial-at-barclays-conference-strategic-moves-and-market-insights-93CH-4231903)) | 1 patent listed on the profile, e.g. US 2024/0403876 A1 (Sub-merchant identification number ingestion) ([Google Patents (USPTO)](https://patents.google.com/patent/US20240403876A1/en)) | Not surveyed |
| [Barclays US Consumer Bank](https://www.bankingnewsai.com/banks/barclays-us) | GenAI call summarisation under Barclays' group AI programme ([Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/), [American Banker](https://www.americanbanker.com/news/barclays-to-buy-best-egg-for-800m-and-expand-u-s-footprint), [Business Wire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604141058BIZWIRE_USPRX____20260414_BW065778-1)) | [13, incl. Denny Nealon (CEO, Barclays US Consumer Bank)](https://www.bankingnewsai.com/banks/barclays-us#people) ([American Banker](https://www.americanbanker.com/news/barclays-to-buy-best-egg-for-800m-and-expand-u-s-footprint), [PR Newswire (Barclays)](https://prnewswire.com/news-releases/barclays-completes-acquisition-of-best-egg-302760261.html)) | Calls summarised by GenAI since October 2025: > 8 million (Feb 5, 2026) ([Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/)) | 3 patents listed on the profile, e.g. US 2025/0284815 A1 (Managing changes to a computing environment: machine learning on change-request text) ([Google Patents (USPTO)](https://patents.google.com/patent/US20250284815A1/en)) | [2 open AI roles (Oct 1, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/barclays-us#roles) |
| [Synchrony Financial](https://www.bankingnewsai.com/banks/synchrony) | Synchrony GPT and the ChatGPT Enterprise rollout ([Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [Synchrony (PR Newswire)](https://investors.synchrony.com/news-events/financial-news/detail/586/synchrony-announces-enterprise-collaboration-with-openai-to-power-the-next-era-of-agentic-commerce), [American Banker](https://americanbanker.com/news/synchronys-carol-juel-is-29-on-the-most-innovative-people-in-finance-ranking)) | [11, incl. Brian Doubles (President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/synchrony#people) ([Investing.com](https://ng.investing.com/news/transcripts/earnings-call-transcript-synchrony-beats-q2-2026-eps-forecast-as-sales-hit-record-93CH-2609405), [Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-announces-executive-leadership-changes.html)) | Professional workforce using AI tools since 2024: Nearly 100% (Aug 13, 2026) ([Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html)) | 5 patents listed on the profile, e.g. US 2026/0006097 A1 (Custom filtering and routing of large-language-model content) ([Google Patents (USPTO)](https://patents.google.com/patent/US20260006097A1/en)) | Not surveyed |
| [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | Enterprise data strategy with an AI pillar; receivables automation for commercial clients ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time), [Commerce Bank](https://commercebank.com/personal/ideas-and-tips/2024/how-to-stay-safe-from-ai-powered-fraud)) | [7, incl. John Kemper (President and CEO)](https://www.bankingnewsai.com/banks/commerce#people) ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [American Banker](https://americanbanker.com/news/commerce-eyes-wealth-management-gains-after-sealing-m-a-deal)) | Digital penetration / app rating / mobile deposit use: 82% / 4.7 (app rating as of 3 February 2026) / 30% (Dec 31, 2025) ([Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf)) | Not disclosed | Not surveyed |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | Integration first: the Heartland systems conversion ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) | [11, incl. Mariner Kemper (Chairman and CEO)](https://www.bankingnewsai.com/banks/umb#people) ([Banking Dive](https://www.bankingdive.com/news/umb-acquisitions-ceo-kemper-bank-deals/810866/), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october)) | Earnings calls that discussed AI, Q3 2025 to Q2 2026: 1 of 4 (Q1 2026 only) (Jul 29, 2026) ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/01/26/umb-financial-q3-2025-earnings-call-transcript), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/21/umb-umbf-q4-2025-earnings-call-transcript), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-umb-financial-tops-q2-2026-estimates-as-shares-rise-93CH-4820757)) | Not disclosed | Not surveyed |
| [Central Bancompany](https://www.bankingnewsai.com/banks/central-bancompany) | In-house technology division and core modernisation programme ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Central Bank](https://www.centralbank.net/learning-center/how-ai-is-changing-the-economy/), [Central Bank](https://www.centralbank.net/learning-center/security/emerging-trends/the-rise-of-ai-enhanced-scams/), [Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) | [6, incl. John 'JR' Ross (President and CEO)](https://www.bankingnewsai.com/banks/central-bancompany#people) ([Central Bancompany (GlobeNewswire)](https://globenewswire.com/news-release/2026/08/04/3338232/0/en/central-bancompany-inc-reports-second-quarter-2026-results-declares-regular-0-12-dividend-and-authorizes-100-million-share-repurchase.html)) | Personetics insights: digital engagement / click-through (vendor-reported): 29% / 22.9%; 32.5 million insights delivered; bank NPS 70.6 (Apr 16, 2026) ([Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) | Not disclosed | Not surveyed |
| [Associated Banc-Corp](https://www.bankingnewsai.com/banks/associated) | Line-of-business AI under a chief data officer / CIO ([Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Banking Dive](https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/), [American Banker](https://digital-banking.americanbanker.com/profile/alexander-bush), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Announces-Annual-Meeting-Results-Dividends-Stock-Repurchase-Program-and-New-Technology-Committee)) | [12, incl. Andy Harmening (President and CEO)](https://www.bankingnewsai.com/banks/associated#people) ([Banking Dive](https://www.bankingdive.com/news/associated-bank-ceo-harmening-private-wealth-commercial/818566/), [PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202607231615PR_NEWS_USPRX____CG11257-1)) | AI use cases in process: 30 (Sep 15, 2026) ([Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556)) | 1 patent listed on the profile, e.g. US 8,280,813 B2 (Debt protection for a financial overdraft account) ([Google Patents (USPTO)](https://patents.google.com/patent/US8280813B2/en)) | [2 open AI roles (Sep 24, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/associated#roles) |
| [BOK Financial Corporation](https://www.bankingnewsai.com/banks/bok-financial) | Not disclosed | [9, incl. Stacy Kymes (President and CEO)](https://www.bankingnewsai.com/banks/bok-financial#people) ([American Banker](https://www.americanbanker.com/news/bok-counting-on-mortgage-finance-for-a-boost-in-2026), [CNBC](https://cnbc.com/video/2025/10/22/kymes-credit-is-still-very-benign-despite-recent-headlines.html)) | Earnings calls with an AI remark, Q3 2025 to Q2 2026: 0 of 4 (Jul 21, 2026) ([The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/04/20/bok-financial-bokf-q3-2025-earnings-transcript/), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-q4-2025-earnings-beat-expectations-93CH-4456059), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/21/bok-financial-bokf-q1-2026-earnings-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-beats-q2-2026-eps-forecast-shares-slip-93CH-4803980)) | Not disclosed | [3 open AI roles (Oct 13, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/bok-financial#roles) |

## What are the latest dated moves on the AI record of FNBO 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 1, 2026 | [Commerce](https://www.bankingnewsai.com/banks/commerce) | Nolan & Associates acquisition completed ([Yahoo Finance (Commerce Bank via Business Wire)](https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html)) |
| Oct 1, 2026 | [Barclays US](https://www.bankingnewsai.com/banks/barclays-us) | Group expands Anthropic collaboration ([Anthropic](https://www.anthropic.com/news/barclays-scales-claude)) |
| Oct 1, 2026 | [FNBO](https://www.bankingnewsai.com/banks/fnbo) | Blue Ridge acquisition closes ([FNBO (Business Wire)](https://businesswire.com/news/home/20261001777849/en/FNBO-Closes-Acquisition-of-Blue-Ridge-Bank-and-Trust-Co.-in-Kansas-City)) |
| Sep 30, 2026 | [Synchrony](https://www.bankingnewsai.com/banks/synchrony) | Oxford Economics study and an AI-platform partnership for CareCredit ([Synchrony (PR Newswire)](https://www.prnewswire.com/news-releases/synchrony-and-oxford-economics-find-trust-will-define-the-future-of-ai-shopping-302894036.html), [Synchrony (PR Newswire)](https://investors.synchrony.com/news-events/financial-news/detail/590/carecredit-partners-with-vetspire-to-modernize-veterinary-payments-with-ai-enabled-practice-solutions)) |
| Sep 15, 2026 | [Associated](https://www.bankingnewsai.com/banks/associated) | Barclays conference: 30 AI use cases in process ([Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556)) |
| Sep 2, 2026 | [FNBO](https://www.bankingnewsai.com/banks/fnbo) | InBank deal valued at up to $204 million ([Banking Dive](https://www.bankingdive.com/news/fnbo-acquires-inbank-colorado-bank-deal-204m-merger/829424/)) |
| Aug 31, 2026 | [Commerce](https://www.bankingnewsai.com/banks/commerce) | Fraud guide says scammers use generative AI ([Commerce Bank](https://commercebank.com/business/trends-and-insights/2026/growing-threats-in-commercial-banking-fraud)) |
| Aug 27, 2026 | [Synchrony](https://www.bankingnewsai.com/banks/synchrony) | Strategy chief on 'healthy paranoia' about agentic commerce ([PYMNTS](https://pymnts.com/news/artificial-intelligence/2026/synchrony-says-ai-has-put-every-checkout-in-play)) |
| Aug 20, 2026 | [UMB](https://www.bankingnewsai.com/banks/umb) | 'Playing with the big boys' ([CNBC](https://www.cnbc.com/2026/08/20/a-regional-bank-will-rally-by-playing-with-the-big-boys-jpmorgan-says.html)) |
| Aug 17, 2026 | [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | 18th for customer reputation ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| Aug 14, 2026 | [Central Bank](https://www.bankingnewsai.com/banks/central-bancompany) | Q2 2026 10-Q: AI-related fraud and cyber risks monitored ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm)) |
| Aug 14, 2026 | [Central Bank](https://www.bankingnewsai.com/banks/central-bancompany) | Q2 2026 10-Q: $12 million of core modernisation capitalised ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm)) |
| Aug 13, 2026 | [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | Vanilla case study: AI trust-document review ([Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster)) |
| Aug 12, 2026 | [Bread Financial](https://www.bankingnewsai.com/banks/bread-financial) | Bread Financial joins the Agentic AI Foundation as a Silver member ([PR Newswire via Morningstar](https://www.morningstar.com/news/pr-newswire/20260812dc25298/agentic-ai-foundation-welcomes-57-new-members-gaining-major-financial-services-players-and-apac-leaders)) |
| Aug 5, 2026 | [Associated](https://www.bankingnewsai.com/banks/associated) | Guide on AI-powered social engineering ([Associated Bank](https://associatedbank.com/education/articles/business-insights/strategy-and-management/ai-powered-social-engineering)) |
| Jul 30, 2026 | [UMB](https://www.bankingnewsai.com/banks/umb) | Q2 2026 10-Q has no AI language ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526325054/umbf-20260630.htm)) |
| Jul 28, 2026 | [Barclays US](https://www.bankingnewsai.com/banks/barclays-us) | Half-year results: no AI discussion on the call ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/07/28/barclays-bcs-q2-2026-earnings-call-transcript), [Barclays PLC (SEC filing)](https://www.sec.gov/Archives/edgar/data/312069/000165495426006931/a0595o.htm)) |
| Jul 28, 2026 | [Bread Financial](https://www.bankingnewsai.com/banks/bread-financial) | Q2 10-Q: continued AI investment, agentic commerce as a competitive risk ([Bread Financial Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1101215/000110121526000074/bfh-20260630.htm)) |

## How does FNBO's AI compare with the card issuers it competes with for partners?

What each issuer has disclosed about its card business and its AI, with the date. Synchrony's 10-K names American Express, Bread Financial, Capital One/Discover, JPMorgan Chase, Citibank, TD Bank and Wells Fargo among its primary competitors for partners.

| Issuer | Card business disclosed | AI in operations | AI leadership |
| --- | --- | --- | --- |
| FNBO | 15th-largest US card issuer with more than 90 card partners (AWS, December 2024); card charge-offs 4.92% in 2025 | Verafin agents cut financial-crime case time 50%; Pindrop Fraud Assist 35% to 40% (vendor); Prove Pre-Fill in co-brand onboarding | Generative-AI strategy led by a VP of technology data services ([AWS Business Intelligence Blog (guest post by FNBO)](https://aws.amazon.com/blogs/business-intelligence/how-fnbo-revolutionized-partner-reporting-with-amazon-quicksight), [First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf), [American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime), [Pindrop (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/03/17/3257231/0/en/pindrop-unveils-first-agentic-fraud-investigation-solution-to-combat-surging-ai-driven-fraud.html), [Prove (Business Wire)](https://www.businesswire.com/news/home/20250827382137/en/Prove-Partners-with-FNBO-to-Modernize-Onboarding-Experience), [University of Nebraska Omaha](https://www.unomaha.edu/omaxai/speakers/past-speakers/erin-saxby.php)) |
| Synchrony | Private-label and co-brand lender; Home & Auto platform partners in home improvement, furniture and appliances | Nearly 100% of the professional workforce using AI tools; OpenAI models across the enterprise (August 2026) | Chief AI officer from June 30, 2026 ([Synchrony Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm), [Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [Synchrony (PR Newswire)](https://investors.synchrony.com/news-events/financial-news/detail/586/synchrony-announces-enterprise-collaboration-with-openai-to-power-the-next-era-of-agentic-commerce)) |
| Bread Financial | Co-brand and private-label cards; competes with major financial institutions and fintechs | 100% of customer calls reviewed with AI; over 200 machine-learning models in the business | In-house agentic AI platform ([Bread Financial Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1101215/000110121526000016/bfh-20251231.htm), [Investing.com](https://investing.com/news/transcripts/bread-financial-at-barclays-conference-strategic-moves-and-market-insights-93CH-4231903), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bread-financial-q4-2025-beats-eps-expectations-93CH-4481011), [Fortune](https://fortune.com/2026/04/08/amid-the-saaspocalypse-cios-and-ctos-take-a-harder-line-with-their-vendors)) |
| Barclays US | About 20 million US card customers and about $32 billion of receivables; 20 partner brands | More than 8 million calls summarized by generative AI since October 2025 | Group-wide Barclays AI program ([Banking Dive](https://www.bankingdive.com/news/6-questions-with-barclays-us-cmo/804511/), [SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm), [Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/)) |
| Capital One | Largest US card issuer by outstanding card loans (December 31, 2025); Discover acquired | Eno assistant since 2017; MACAW summarizes fraud calls | In-house models and agents ([Capital One via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/927628/000092762826000024/cof-20251231.htm), [Capital One](https://www.capitalone.com/about/newsroom/capital-one-completes-acquisition-of-discover/), [Capital One](https://www.capitalone.com/digital/tools/eno/), [VentureBeat (sponsored by Capital One)](https://venturebeat.com/orchestration/why-capital-one-built-its-multi-agent-ai-platform-around-open-weight-models)) |

## How does FNBO's fraud and financial-crime AI compare with its peers'?

Fraud and AML AI that each bank has described, with the source type. Vendor-reported figures are marked.

| Bank | Tool | Result disclosed | Date and source |
| --- | --- | --- | --- |
| FNBO | Nasdaq Verafin EDD and sanctions-screening agents on AWS Bedrock | Investigator time per case down 50%; EDD case from about 30 to about 15 minutes; 15 investigators and analysts | June 2026, American Banker ([American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime)) |
| FNBO | Pindrop Fraud Assist for card-fraud investigations | Time down 35% to 40%; analyst accuracy up 50% (vendor-reported) | March 2026, Pindrop release ([Pindrop (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/03/17/3257231/0/en/pindrop-unveils-first-agentic-fraud-investigation-solution-to-combat-surging-ai-driven-fraud.html)) |
| Bread Financial | AI review of customer calls; machine-learning models | 100% of calls reviewed, from 2% to 3%; fraud-related operational losses $65 million a year | 2025, conference and 10-K ([Investing.com](https://investing.com/news/transcripts/bread-financial-at-barclays-conference-strategic-moves-and-market-insights-93CH-4231903), [Bread Financial Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1101215/000110121526000016/bfh-20251231.htm)) |
| United Community (Southeast) | Vendor AI in fraud | Fraud losses down 50% over two years | April 2026, earnings call ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm)) |
| BOK Financial | Vanilla for trust reviews | About four hours saved per initial trust review (vendor-reported) | August 2026 ([Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster)) |

## How does FNBO's technology record compare with the Midwest banks in its markets?

Each bank's headline AI or digital disclosure on this site's profiles.

| Bank | Headline disclosure | Date |
| --- | --- | --- |
| FNBO | AI agents in financial-crime and fraud investigations; three bank deals in 16 months (Country Club, Blue Ridge, InBank) | June 2026; October 2025 to September 2026 ([American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime), [American Banker](https://www.americanbanker.com/news/deal-would-give-nebraskas-fnbo-a-leg-up-in-kansas-city), [FNBO (Business Wire)](https://businesswire.com/news/home/20261001777849/en/FNBO-Closes-Acquisition-of-Blue-Ridge-Bank-and-Trust-Co.-in-Kansas-City), [Banking Dive](https://www.bankingdive.com/news/fnbo-acquires-inbank-colorado-bank-deal-204m-merger/829424/)) |
| Commerce | AI pillar and roadmap in its enterprise data strategy; AI receivables automation for clients | February 2026 ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission)) |
| UMB | AI named in the board risk committee's remit; Heartland systems conversion | 2025 to 2026 ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm), [American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank)) |
| Central Bancompany | Personetics AI insights in its app; about 65 in-house programmers and designers | 2025 to 2026 ([Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm)) |
| Associated | 30 AI use cases in process; an internal tool built for $45,000 against an $800,000 purchase | September 2026 ([Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556)) |

## How does FNBO's use of AI in lending and card onboarding compare?

FNBO was early to AI-based consumer credit. It began piloting Upstart's AI lending software in July 2019, kept FICO and debt-to-income in the model, lent tens of millions of dollars and briefed the OCC; in December 2021 it expanded the program nationwide after a pilot Net Promoter Score of 83, with 78% of loans approved instantly and a plan to extend it to affinity partners. In August 2025 it added Prove Pre-Fill identity verification to co-branded card onboarding. ([American Banker](https://www.americanbanker.com/news/the-banks-warming-to-ai-based-lending), [FNBO and Upstart (Business Wire)](https://www.businesswire.com/news/home/20211208005384/en/First-National-Bank-of-Omaha-Expands-Personal-Loans-Powered-by-Upstart), [Prove (Business Wire)](https://www.businesswire.com/news/home/20250827382137/en/Prove-Partners-with-FNBO-to-Modernize-Onboarding-Experience))

Its card rivals now disclose in-house models at larger scale. Bread Financial says it has over 200 machine-learning models embedded in the business, and Affirm launched a transformer-based machine-learning model for real-time underwriting in September 2026, reporting 3.4% more completed purchases than a control group in its initial deployment. FNBO's 2025 letter credits improved underwriting capabilities, technology and processes for card charge-offs falling to 4.92% from 5.52%. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bread-financial-q4-2025-beats-eps-expectations-93CH-4481011), [Affirm (Business Wire)](https://www.businesswire.com/news/home/20260917918887/en/), [First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf))

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

First National Bank of Omaha (FNBO) is compared here with Bread Financial Holdings, Barclays US Consumer Bank, Synchrony Financial, Commerce Bancshares, UMB Financial, Central Bancompany, Associated Banc-Corp and BOK Financial Corporation: chosen by the editors for this page (see the note below the table). First National Bank of Omaha (FNBO) is classed as a regional or retail-commercial bank in the Midwest.

FNBO runs two businesses, a Partnership division built on co-branded credit cards and a Midwestern bank, so the computed group of regional banks left out its card rivals; this group puts the co-brand and private-label card issuers it competes with for partners first (Bread Financial, Barclays US, Synchrony), then the Midwest and Plains banks it meets in Omaha, Kansas City and Denver (Commerce, UMB, Central Bancompany, Associated, BOK Financial).

## Common questions

### How does FNBO use AI compared with other banks?

FNBO's best-documented AI is agentic: Nasdaq Verafin agents that halved investigator time per financial-crime case (June 2026) and Pindrop's Fraud Assist agent in card-fraud work (March 2026, vendor-reported). Card rivals disclose more employee AI: Synchrony says nearly all its professionals use AI tools, and Barclays US has summarized more than 8 million calls with generative AI. ([American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime), [Pindrop (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/03/17/3257231/0/en/pindrop-unveils-first-agentic-fraud-investigation-solution-to-combat-surging-ai-driven-fraud.html), [Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/))

### Is FNBO better than Synchrony at AI?

The record cannot settle capability. Synchrony has put more on it: 68.8 on this site's disclosure index against FNBO's 53.2, with a chief AI officer and an enterprise OpenAI collaboration (August 2026). FNBO has more measured results in financial-crime work, where its Verafin agents cut case time by 50%. ([Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [Synchrony (PR Newswire)](https://investors.synchrony.com/news-events/financial-news/detail/586/synchrony-announces-enterprise-collaboration-with-openai-to-power-the-next-era-of-agentic-commerce), [American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime))

### How does FNBO compare with Bread Financial?

Both issue co-branded cards and compete for retail partners. Bread scores 50.5 on this site's index and FNBO 53.2; Bread reviews 100% of customer calls with AI and runs over 200 machine-learning models, while FNBO has AI agents in financial-crime and fraud investigations. FNBO's card charge-off rate was 4.92% in 2025. ([Investing.com](https://investing.com/news/transcripts/bread-financial-at-barclays-conference-strategic-moves-and-market-insights-93CH-4231903), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bread-financial-q4-2025-beats-eps-expectations-93CH-4481011), [American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime), [First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf))

### Does FNBO use AI in lending?

Yes. FNBO piloted Upstart's AI-based lending software from July 2019, keeping FICO and debt-to-income in the model and briefing the OCC, and expanded it nationwide in December 2021 with 78% of loans approved instantly. Its 2025 letter credits improved underwriting capabilities and technology for lower card losses. ([American Banker](https://www.americanbanker.com/news/the-banks-warming-to-ai-based-lending), [FNBO and Upstart (Business Wire)](https://www.businesswire.com/news/home/20211208005384/en/First-National-Bank-of-Omaha-Expands-Personal-Loans-Powered-by-Upstart), [First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf))

### Who leads AI at FNBO?

No chief AI officer is named. Erin Saxby, vice president of technology data services, leads the generative-AI strategy; BSA/AML officer David Dawson and chief risk officer Nick Baxter speak for the Verafin agents. Synchrony, by contrast, named a chief AI officer in 2026. ([University of Nebraska Omaha](https://www.unomaha.edu/omaxai/speakers/past-speakers/erin-saxby.php), [American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime), [Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html))

### How does FNBO compare with Commerce Bancshares?

Both are family-led Midwestern banks with large card businesses, and FNBO's Country Club and Blue Ridge deals put it in Commerce's Kansas City market. FNBO scores 53.2 on this site's index and Commerce 34: FNBO has AI agents in production, while Commerce has a written AI roadmap and AI receivables automation for clients. ([American Banker](https://www.americanbanker.com/news/deal-would-give-nebraskas-fnbo-a-leg-up-in-kansas-city), [FNBO (Business Wire)](https://businesswire.com/news/home/20261001777849/en/FNBO-Closes-Acquisition-of-Blue-Ridge-Bank-and-Trust-Co.-in-Kansas-City), [American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime), [Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission))

## Peers on this site

- [Bread Financial Holdings AI strategy](https://www.bankingnewsai.com/banks/bread-financial) · [vs peers](https://www.bankingnewsai.com/banks/bread-financial/vs-peers)
- [Barclays US Consumer Bank AI strategy](https://www.bankingnewsai.com/banks/barclays-us) · [vs peers](https://www.bankingnewsai.com/banks/barclays-us/vs-peers)
- [Synchrony Financial AI strategy](https://www.bankingnewsai.com/banks/synchrony) · [vs peers](https://www.bankingnewsai.com/banks/synchrony/vs-peers)
- [Commerce Bancshares AI strategy](https://www.bankingnewsai.com/banks/commerce) · [vs peers](https://www.bankingnewsai.com/banks/commerce/vs-peers)
- [UMB Financial AI strategy](https://www.bankingnewsai.com/banks/umb) · [vs peers](https://www.bankingnewsai.com/banks/umb/vs-peers)
- [Central Bancompany AI strategy](https://www.bankingnewsai.com/banks/central-bancompany) · [vs peers](https://www.bankingnewsai.com/banks/central-bancompany/vs-peers)
- [Associated Banc-Corp AI strategy](https://www.bankingnewsai.com/banks/associated) · [vs peers](https://www.bankingnewsai.com/banks/associated/vs-peers)
- [BOK Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/bok-financial) · [vs peers](https://www.bankingnewsai.com/banks/bok-financial/vs-peers)

## Sources

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