# Huntington Bancshares vs peers: AI and technology compared

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

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

## How does Huntington Bancshares compare with its peers on AI and technology?

Huntington scores 84.2 on this site's US AI disclosure index (#13 of 120), third of the nine Midwest and Southern super-regionals in its peer group, behind BMO's US bank (85.8) and Citizens (85.3) and level with Fifth Third (84) and Regions (83.8); PNC trails at 68.2. Three things separate it from named peers. It counts its agents: two at the end of 2022, 50 in production and more than 60 in development by April 2026, with about 15 entering the pipeline a month; PNC's comparable figure is the roughly 115 agents that built its new mobile app, and Fifth Third publishes no agent count. It sets a return target: CFO Zach Wasserman, who also leads the AI program, aims for 10-15% cost reductions and 10-15% revenue increases from targeted LLM and agentic use cases, set per use case, where Citizens states a $450 million run-rate goal for its wider Reimagine the Bank program. And it applies AI where it leads the market: as the largest SBA 7(a) lender by number of loans, it invested in and is deploying Casca's generative-AI loan origination alongside Live Oak, the largest by dollar volume. Where it trails is outside coverage (19 independent sources against Fifth Third's 26) and building: it expects up to 80% of its AI to come from vendors, while PNC is building its own language models. ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [American Banker](https://www.americanbanker.com/news/citizens-details-how-ai-is-speeding-everything-up), [American Banker](https://www.americanbanker.com/news/huntington-live-oak-to-invest-in-deploy-gen-ai-based-lending), [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/news/why-pnc-is-building-its-own-ai-factory))

## Where does Huntington lead its peers on AI?

- **The only peer that counts agents in production.** Huntington went from two AI agents in Q4 2022 to 50 in production and more than 60 in development by April 2026, adding about 15 a month, including finance-team agents for SEC reporting, tax and more than 200 regulatory reports a year. PNC reports about 115 agents that built its new mobile app; Truist plans to 'hire' agents as digital teammates in 2026; Fifth Third and KeyBank publish no agent count. ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/), [American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking))
- **A return target on every AI use case.** Wasserman said in September 2025 that Huntington is on track for 10-15% cost reductions and 10-15% revenue increases from targeted LLM and agentic use cases, and in April 2026 management took about $50 million out of the expense base, citing 'agentic process transformation'. Regions expects a 20% productivity boost and KeyBank about $100 million a year from continuous improvement. ([American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/huntington-bancshares-q1-earnings-call-173934255.html), [PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/))
- **Generative AI in SBA lending, where it leads by volume.** Huntington, the largest originator of SBA 7(a) loans by number, invested in Casca's $29 million round in August 2025 with Live Oak, the largest by dollar volume, and is a design partner for Casca's generative-AI loan origination; credit decisions stay with existing underwriting models and loan officers. Celtic Bank became Casca's third top-10 SBA lender client in 2026. ([American Banker](https://www.americanbanker.com/news/huntington-live-oak-to-invest-in-deploy-gen-ai-based-lending), [Casca (PR Newswire)](https://prnewswire.com/news-releases/ai-native-loan-origination-platform-casca-raises-29-million-to-replace-legacy-lending-302533000.html), [American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending))
- **More dated AI moves than all peers but BMO.** The profile records 29 dated AI moves in the last 12 months, second of nine behind BMO's US bank (33) against a peer median of 25.5, and 15 of 17 described use cases in production, second only to U.S. Bancorp's 16. Recent entries include the Cadence conversion finished 235 days after announcement with AI-enabled tools and an Artificial Intelligence Risk Committee named in its 10-Q. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-huntington-bancshares-tops-q2-2026-estimates-shares-fall-93CH-4809465), [Huntington Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/49196/000004919626000066/hban-20260630.htm), [Huntington Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/49196/000004919626000015/hban-20251231.htm))

## Where does Huntington trail its peers on AI?

- **Less independent coverage than Fifth Third, Citizens or KeyBank.** Huntington has 19 independent sources on its AI on this site against 26 for Fifth Third and 25 each for Citizens and KeyBank, fifth of nine; independent coverage carries 45% of the index weight, which keeps it behind BMO's US bank and Citizens despite more use cases in production. ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [Bloomberg](https://www.bloomberg.com/news/articles/2025-03-19/fifth-third-among-banks-using-ai-to-help-lure-customer-deposits))
- **Mostly bought, not built.** Wasserman expects up to 80% of Huntington's AI to come from vendor suites (Salesforce and Microsoft are named partners) and about 20% to be built in-house. PNC announced an 'AI factory' in June 2026 with its own data centers, Nvidia chips and in-house large and small language models. ([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), [American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory))
- **Generative-AI use cases behind its own target.** Huntington had deployed 28 generative-AI use cases by September 2025 against a target of 100. Truist reports more than 50 AI use cases deployed in 2025 and U.S. Bancorp 16 use cases in production on this site's profile. ([American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking))
- **No named conversational assistant with published scale.** Huntington's customer-facing AI is personalization: Heads Up delivered 14 million insights a month across 96 use cases in March 2025, on Personetics software. Peers publish assistant results: Fifth Third's Jeanie contains 42% of requests in self-service, Citizens' CiZi cut mobile-banking calls 44%, and Truist Assist resolved 81% of inquiries in Q3 2025. ([Personetics](https://personetics.com/huntington-bank-a-masterclass-in-data-enrichment-and-customer-engagement), [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm))

## Where does Huntington rank against its peers on AI disclosure?

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

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [BMO (U.S.)](https://www.bankingnewsai.com/banks/bmo-us) | [85.8](https://www.bankingnewsai.com/banks/ai-index) | #10 of 120 | [16](https://www.bankingnewsai.com/banks/bmo-us#sources) | [26](https://www.bankingnewsai.com/banks/bmo-us#sources) | [14 of 16](https://www.bankingnewsai.com/banks/bmo-us#where) | [33](https://www.bankingnewsai.com/banks/bmo-us#timeline) | Lumi, Aura and the Institute for Applied AI & Quantum ([BMO](https://www.bmo.com/en-ca/main/about-bmo/news-insights/blog/meet-lumi-assistant-bmos-award-winning-ai-tool-empowering-team-bmo), [BMO AI Hub](https://ai.bmo.com/our-stories/aura-helping-power-bmos-goal-of-50-faster-underwriting-by-2028), [BMO](https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum)) |
| [Citizens Financial Group](https://www.bankingnewsai.com/banks/citizens) | [85.3](https://www.bankingnewsai.com/banks/ai-index) | #11 of 120 | [25](https://www.bankingnewsai.com/banks/citizens#sources) | [18](https://www.bankingnewsai.com/banks/citizens#sources) | [10 of 20](https://www.bankingnewsai.com/banks/citizens#where) | [26](https://www.bankingnewsai.com/banks/citizens#timeline) | CiZi and the cloud-native core ([American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://www.americanbanker.com/news/citizens-details-how-ai-is-speeding-everything-up)) |
| [Huntington Bancshares (this page)](https://www.bankingnewsai.com/banks/huntington) | [84.2](https://www.bankingnewsai.com/banks/ai-index) | #13 of 120 | [19](https://www.bankingnewsai.com/banks/huntington#sources) | [17](https://www.bankingnewsai.com/banks/huntington#sources) | [15 of 17](https://www.bankingnewsai.com/banks/huntington#where) | [29](https://www.bankingnewsai.com/banks/huntington#timeline) | Agentic process transformation, run from finance ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb)) |
| [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | [84](https://www.bankingnewsai.com/banks/ai-index) | #14 of 120 | [27](https://www.bankingnewsai.com/banks/fifth-third#sources) | [17](https://www.bankingnewsai.com/banks/fifth-third#sources) | [10 of 13](https://www.bankingnewsai.com/banks/fifth-third#where) | [25](https://www.bankingnewsai.com/banks/fifth-third#timeline) | Jeanie and the Newline MCP server ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1), [Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html)) |
| [Regions Financial](https://www.bankingnewsai.com/banks/regions) | [83.8](https://www.bankingnewsai.com/banks/ai-index) | #15 of 120 | [22](https://www.bankingnewsai.com/banks/regions#sources) | [18](https://www.bankingnewsai.com/banks/regions#sources) | [13 of 15](https://www.bankingnewsai.com/banks/regions#where) | [25](https://www.bankingnewsai.com/banks/regions#timeline) | AI-driven banker platforms on a modernised stack ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027)) |
| [Truist Financial](https://www.bankingnewsai.com/banks/truist) | [82.6](https://www.bankingnewsai.com/banks/ai-index) | #16 of 120 | [18](https://www.bankingnewsai.com/banks/truist#sources) | [18](https://www.bankingnewsai.com/banks/truist#sources) | [13 of 15](https://www.bankingnewsai.com/banks/truist#where) | [27](https://www.bankingnewsai.com/banks/truist#timeline) | Truist Insights and the 'digital teammates' ([Truist via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1), [American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking)) |
| [U.S. Bancorp](https://www.bankingnewsai.com/banks/us-bancorp) | [81.3](https://www.bankingnewsai.com/banks/ai-index) | #18 of 120 | [17](https://www.bankingnewsai.com/banks/us-bancorp#sources) | [21](https://www.bankingnewsai.com/banks/us-bancorp#sources) | [16 of 18](https://www.bankingnewsai.com/banks/us-bancorp#where) | [26](https://www.bankingnewsai.com/banks/us-bancorp#timeline) | In-house tools from the AI Center of Excellence ([U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-design-assistant-an-ai-solution-to-empower-designers-at-scale.html), [American Banker](https://www.americanbanker.com/news/u-s-bank-gives-embedded-banking-clients-a-gen-ai-assistant), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/ai-powered-statement-analyzer-simplifies-payment-services-for-small-businesses.html), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-ai-driven-cash-forecasting-tool.html)) |
| [KeyCorp (KeyBank)](https://www.bankingnewsai.com/banks/keybank) | [80](https://www.bankingnewsai.com/banks/ai-index) | #21 of 120 | [25](https://www.bankingnewsai.com/banks/keybank#sources) | [17](https://www.bankingnewsai.com/banks/keybank#sources) | [10 of 16](https://www.bankingnewsai.com/banks/keybank#where) | [20](https://www.bankingnewsai.com/banks/keybank#timeline) | Conversational AI in the contact centre and 'cognitive banking' in the app ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/), [Banking Dive](https://www.bankingdive.com/news/keybank-digital-banking-regionals-ai-insights-personetics/823541/), [American Banker](https://americanbanker.com/news/how-keybank-is-creating-cognitive-banking-with-ai)) |
| [PNC Financial Services](https://www.bankingnewsai.com/banks/pnc) | [68.2](https://www.bankingnewsai.com/banks/ai-index) | #38 of 120 | [17](https://www.bankingnewsai.com/banks/pnc#sources) | [15](https://www.bankingnewsai.com/banks/pnc#sources) | [8 of 14](https://www.bankingnewsai.com/banks/pnc#where) | [24](https://www.bankingnewsai.com/banks/pnc#timeline) | PNC AI factory ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [American Banker](https://www.americanbanker.com/news/pncs-solution-to-rising-ai-costs-build-its-own-ai), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1), [Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299)) |

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

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

| Component (weight) | Huntington | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 19 | 20 | [Fifth Third (27)](https://www.bankingnewsai.com/banks/fifth-third) | 5th of 9 |
| Use cases in production (10%) | 15 | 11.5 | [U.S. Bank (16)](https://www.bankingnewsai.com/banks/us-bancorp) | 2nd of 9 |
| Own primary disclosures (10%) | 17 | 18 | [BMO (26)](https://www.bankingnewsai.com/banks/bmo-us) | 6th of 9 |
| Dated moves, last 12 months (10%) | 29 | 25.5 | [BMO (33)](https://www.bankingnewsai.com/banks/bmo-us) | 2nd of 9 |
| Disclosed numbers (5%) | 16 | 15.5 | [Citizens (20)](https://www.bankingnewsai.com/banks/citizens) | 5th of 9 |
| Named AI leaders (5%) | 14 | 13.5 | [BMO (15)](https://www.bankingnewsai.com/banks/bmo-us) | 2nd of 9 |
| Use cases described (5%) | 17 | 15.5 | [Citizens (20)](https://www.bankingnewsai.com/banks/citizens) | 3rd of 9 |

## What has each bank in Huntington'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 |
| --- | --- | --- | --- | --- | --- |
| [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) |
| [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | Jeanie and the Newline MCP server ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1), [Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html)) | [14, incl. Tim Spence (Chairman, CEO and President)](https://www.bankingnewsai.com/banks/fifth-third#people) ([Bloomberg](https://www.bloomberg.com/news/articles/2026-03-11/fifth-third-sees-pretty-remarkable-outcome-of-ai-to-lower-cost), [CNBC](https://www.cnbc.com/video/2025/12/09/fifth-third-bancorp-ceo-tim-spence-on-new-partnership-with-brex.html)) | Mobile app releases: 500+ in 2025, from ≈ 2 a year in 2021 (Jun 9, 2026) ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-06-09.html)) | 3 patents listed on the profile, e.g. US 11,868,865 B1 (Systems and methods for cash structuring activity monitoring) ([Google Patents (USPTO)](https://patents.google.com/patent/US11868865B1/en)) | [6 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/fifth-third#roles) |
| [PNC Financial Services](https://www.bankingnewsai.com/banks/pnc) | PNC AI factory ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [American Banker](https://www.americanbanker.com/news/pncs-solution-to-rising-ai-costs-build-its-own-ai), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1), [Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299)) | [10, incl. Bill Demchak (Chairman and CEO)](https://www.bankingnewsai.com/banks/pnc#people) ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [Bloomberg](https://www.bloomberg.com/news/articles/2026-01-26/how-pnc-became-one-of-the-world-s-biggest-banks)) | AI share of the year-over-year increase in technology spending: ≈ 20% (Jan 16, 2026) ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/news/pnc-financial-services-group-q4-163523838.html)) | 4 patents listed on the profile, e.g. US 2025/0094839 A1 (Applying rules via artificial intelligence for document processing) ([Google Patents (USPTO)](https://patents.google.com/patent/US20250094839A1/en)) | [12+ open AI roles (Oct 1, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/pnc#roles) |
| [KeyCorp (KeyBank)](https://www.bankingnewsai.com/banks/keybank) | Conversational AI in the contact centre and 'cognitive banking' in the app ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/), [Banking Dive](https://www.bankingdive.com/news/keybank-digital-banking-regionals-ai-insights-personetics/823541/), [American Banker](https://americanbanker.com/news/how-keybank-is-creating-cognitive-banking-with-ai)) | [11, incl. Chris Gorman (Chairman and CEO)](https://www.bankingnewsai.com/banks/keybank#people) ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/), [Banking Dive](https://www.bankingdive.com/news/keybank-has-no-interest-in-buying-a-bank-ceo-says/807427/)) | Cost per customer call, AI vs human: ≈ $0.25 vs ≈ $9 (Jan 20, 2026) ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/keybank#roles) |
| [Regions Financial](https://www.bankingnewsai.com/banks/regions) | AI-driven banker platforms on a modernised stack ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027)) | [14, incl. John Turner (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/regions#people) ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027)) | New business opportunities generated by AI-driven platforms: 35% (Jan 16, 2026) ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000006/rf-20251231xexhibit993.htm)) | 1 patent listed on the profile, e.g. US 11,861,690 B2 (Method and system for transferring funds) ([Google Patents (USPTO)](https://patents.google.com/patent/US11861690B2/en)) | [3 open AI roles (Oct 1, 2026); most in AI security](https://www.bankingnewsai.com/banks/regions#roles) |
| [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) |
| [U.S. Bancorp](https://www.bankingnewsai.com/banks/us-bancorp) | In-house tools from the AI Center of Excellence ([U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-design-assistant-an-ai-solution-to-empower-designers-at-scale.html), [American Banker](https://www.americanbanker.com/news/u-s-bank-gives-embedded-banking-clients-a-gen-ai-assistant), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/ai-powered-statement-analyzer-simplifies-payment-services-for-small-businesses.html), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-ai-driven-cash-forecasting-tool.html)) | [13, incl. Prashant Mehrotra (EVP and Chief AI Officer)](https://www.bankingnewsai.com/banks/us-bancorp#people) ([American Banker](https://www.americanbanker.com/news/benchmarking-ai-adoption-what-u-s-banks-playbook-tells-us), [American Banker](https://www.americanbanker.com/news/beyond-token-maxing-how-u-s-bank-ai-chief-navigates-costs), [The Wall Street Journal (Deloitte CMO Journal)](https://deloitte.wsj.com/cmo/u-s-bank-chief-ai-officer-on-transformation-if-not-now-when-d6ab3469)) | Operations employees under the new COO: 16,000+ (Mar 26, 2026) ([Business Wire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603261645BIZWIRE_USPRX____20260326_BW200557-1)) | 7 patents listed on the profile, e.g. US 2024/0144204 A1 (Check fraud detection comparing incoming check image and signature with a reference) ([Google Patents (USPTO)](https://patents.google.com/patent/US20240144204A1/en)) | [12+ open AI roles (Oct 1, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/us-bancorp#roles) |
| [Truist Financial](https://www.bankingnewsai.com/banks/truist) | Truist Insights and the 'digital teammates' ([Truist via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1), [American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking)) | [14, incl. Steve Hagerman (Chief Information Officer)](https://www.bankingnewsai.com/banks/truist#people) ([American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking), [Truist](https://media.truist.com/Steve-Hagerman), [Banking Dive](https://www.bankingdive.com/news/truist-names-jpmorgan-wells-vet-next-cio/723737/)) | AI use cases deployed in 2025: 50+ (Jun 1, 2026) ([American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking)) | 4 patents listed on the profile, e.g. US 12,657,538 B2 (Audio signal processing and dynamic natural-language risk scoring of customer communications) ([Google Patents (USPTO)](https://patents.google.com/patent/US12657538B2/en)) | [12+ open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/truist#roles) |
| [BMO (U.S.)](https://www.bankingnewsai.com/banks/bmo-us) | Lumi, Aura and the Institute for Applied AI & Quantum ([BMO](https://www.bmo.com/en-ca/main/about-bmo/news-insights/blog/meet-lumi-assistant-bmos-award-winning-ai-tool-empowering-team-bmo), [BMO AI Hub](https://ai.bmo.com/our-stories/aura-helping-power-bmos-goal-of-50-faster-underwriting-by-2028), [BMO](https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum)) | [15, incl. Kristin Milchanowski (Chief AI & Quantum Officer)](https://www.bankingnewsai.com/banks/bmo-us#people) ([BMO](https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum), [American Banker](https://www.americanbanker.com/news/bmos-kristin-milchanowski-is-39-on-the-most-innovative-people-in-finance-ranking)) | Employee AI adoption: > 96% (Apr 24, 2026) ([BMO](https://newsroom.bmo.com/2026-04-24-BMO-Launches-Return-on-Intelligence-Podcast-AI,-Quantum,-and-the-New-Rules-of-Decision-Making)) | 4 patents listed on the profile, e.g. US 2026/0119566 A1 (Machine-learning database search and knowledge mining over query logs) ([Google Patents (USPTO)](https://patents.google.com/patent/US20260119566A1/en)) | [7 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/bmo-us#roles) |

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

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

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

## How do Huntington's AI agents and return targets compare with its peers'?

Each bank's own figures; agent counts and targets are defined differently.

| Bank | Agents or AI scale disclosed | Financial target or result | Date |
| --- | --- | --- | --- |
| Huntington | 50 agents in production, 60-plus in development, about 15 a month | 10-15% cost reduction and 10-15% revenue increase from targeted use cases; about $50 million taken out of the expense base (April 2026) | 2025-2026 ([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), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/huntington-bancshares-q1-earnings-call-173934255.html)) |
| PNC | About 115 agents built the new mobile app; in-house language models in an 'AI factory' | About 40 points of operating leverage from AI, 2025-2030 | 2026 ([Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/), [American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [Banking Dive](https://www.bankingdive.com/news/pnc-bank-ceo-demchak-earnings-regional-scale-automation/810116/)) |
| Citizens | About 800 developers with coding agents; CiZi assistant | About $450 million run-rate benefit from Reimagine the Bank by 2028 | 2025-2026 ([American Banker](https://www.americanbanker.com/news/how-citi-citizens-td-deploy-ai-agents-without-upsetting-humans), [Citizens Financial Group (SEC filings)](https://www.sec.gov/Archives/edgar/data/759944/000075994426000133/a2q26earningspresentatio.htm)) |
| Truist | Agents as 'digital teammates' to be formally hired in 2026; more than 50 AI use cases deployed in 2025 | Not stated | 2026 ([American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking)) |
| Fifth Third | MCP server for clients' agents; over 87% of unit testing automated | About 4 million labour hours to be redeployed after the Comerica conversion | 2025-2026 ([Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html), [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html), [Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html)) |
| KeyBank | Conversational AI in the contact center | AI-handled call about $0.25 against about $9 for a human; about $100 million a year from continuous improvement | Q4 2025 ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/)) |
| BMO (US) | More than 96% employee AI adoption (group); Aura underwriting agent | C$1 billion of annual benefit from AI by 2030 (group) | 2026 ([BMO](https://newsroom.bmo.com/2026-04-24-BMO-Launches-Return-on-Intelligence-Podcast-AI,-Quantum,-and-the-New-Rules-of-Decision-Making), [BMO AI Hub](https://ai.bmo.com/our-stories/aura-helping-power-bmos-goal-of-50-faster-underwriting-by-2028), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/bmo-sees-loan-demand-surge-020206941.html)) |

## How does Huntington's customer-facing AI compare with other regional banks'?

What each bank's customers see, with the result the bank has published.

| Bank | Customer AI | Result disclosed | Date |
| --- | --- | --- | --- |
| Huntington | Heads Up personalized insights (Personetics); AI-personalized deposit offers; Euromoney best US digital bank for consumers | 14 million insights a month across 96 use cases, 4.7 of 5 satisfaction | March 2025; July 2026 ([Personetics](https://personetics.com/huntington-bank-a-masterclass-in-data-enrichment-and-customer-engagement), [Bloomberg](https://www.bloomberg.com/news/articles/2025-03-19/fifth-third-among-banks-using-ai-to-help-lure-customer-deposits), [Huntington](https://ir.huntington.com/news-presentations/press-releases/detail/1004/huntington-bank-named-the-united-states-best-digital-bank-for-consumers)) |
| Truist | Truist Insights and Truist Assist | More than 2 billion proactive insights since 2023; 81% of Assist inquiries resolved by the chatbot (Q3 2025) | 2025-2026 ([Truist via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm)) |
| Fifth Third | Jeanie and an AI app interface with 150 intents | Intent accuracy about 90%; self-service containment 42% | 2024-2026 ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1)) |
| Citizens | CiZi | Mobile-banking call volume down 44% | 2026 ([American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking)) |
| U.S. Bancorp | Smart Assistant (voice-first) | 2.5 million uses a month | 2025 ([U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf)) |

## How does Huntington organize AI compared with its peers?

Huntington is the large bank where the chief financial officer runs AI: Zach Wasserman, a former CFO of Visa North America, leads finance, strategy, data analytics and enterprise AI adoption, with a central team and embedded teams in each business. Its board Technology Committee oversees AI strategy and implementation, and its 10-K and 10-Q describe a management Artificial Intelligence Risk Committee and a risk-tiered generative-AI framework that requires human oversight for higher-impact uses. ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [Huntington Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/49196/000119312526103196/hban-20260312.htm), [Huntington Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/49196/000004919626000015/hban-20251231.htm), [Huntington Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/49196/000004919626000066/hban-20260630.htm), [Fortune](https://fortune.com/2026/02/02/what-cfos-at-adobe-dataminr-and-huntington-say-about-scaling-ai))

Peers put AI under technology or operations leaders instead. Citizens' CIO Michael Ruttledge ties generative and agentic AI to moving every application into the cloud; Truist's CIO plans to manage AI agents like staff; Fifth Third's CIO Jude Schramm buys more than he builds; and PNC's CEO Bill Demchak announced the AI factory himself. Huntington's finance-led model is why its disclosures come as return targets and agent counts rather than product launches. ([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/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking), [Fortune](https://fortune.com/2024/12/04/fifth-third-cio-ai-buy-rather-than-build/), [American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai))

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

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

Huntington is compared with the Midwest and Southern super-regionals it meets in Ohio, Michigan, Chicago and now Texas (Fifth Third, PNC, KeyBank, Regions, Citizens, U.S. Bank, Truist and BMO's US bank) rather than with the default group's First Citizens, TD's and HSBC's US arms, whose models are a commercial and venture lender and foreign banks' US subsidiaries.

## Common questions

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

The record does not settle it: Huntington scores 84.2 and Fifth Third 84 on this site's disclosure index. Huntington counts agents (50 in production in April 2026) and sets a 10-15% cost and revenue return target; Fifth Third publishes assistant and engineering metrics and runs an MCP server that lets clients' AI agents use its payments tools. Fifth Third has more outside coverage (26 sources against 19). ([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), [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html), [Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html))

### How does Huntington compare with PNC on AI?

Huntington scores 84.2 and PNC 68.2 on this site's index, mostly on disclosure. The approaches differ: Huntington expects up to 80% of its AI from vendors and measures returns per use case, while PNC is building its own language models in an 'AI factory' and says about 115 agents built its new app. Both are expanding in Texas. ([American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/), [Banking Dive](https://www.bankingdive.com/news/pnc-300-new-branches-2030-2000-hires-chicago-nashville/805026/))

### How many AI agents does Huntington have compared with other banks?

Fifty in production and more than 60 in development as of April 2026, with about 15 new ones entering the pipeline each month, up from two at the end of 2022. Among regional peers only PNC gives a comparable figure, about 115 agents used to build its new mobile app; BNY, a custody bank outside the group, counted about 140 'digital employees' in April 2026. ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/), [BNY](https://www.bny.com/assets/corporate/documents/pdf/investor-relations/earnings/quarterly-update-presentation-1q-2026.pdf))

### Does Huntington use AI for small-business loans?

It is deploying it. Huntington, the largest originator of SBA 7(a) loans by number, invested in Casca's $29 million Series A in August 2025 and is a design partner for its generative-AI loan origination; applicants can question a chatbot overnight and a banker reviews the exchange the next morning, with credit decisions left to existing underwriting models and loan officers. Live Oak, the largest by dollar volume, uses the same platform. ([American Banker](https://www.americanbanker.com/news/huntington-live-oak-to-invest-in-deploy-gen-ai-based-lending), [American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending), [Casca (PR Newswire)](https://prnewswire.com/news-releases/ai-native-loan-origination-platform-casca-raises-29-million-to-replace-legacy-lending-302533000.html))

### Who leads AI at Huntington compared with other banks?

Chief financial officer Zach Wasserman, who told Fortune in April 2026 that he leads the AI effort for the company, alongside finance, strategy and data analytics. That is unusual among peers: Citizens, Truist and Fifth Third run AI through their chief information officers, and PNC's CEO announced its AI factory. Huntington's board Technology Committee oversees AI strategy and implementation. ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [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/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://www.americanbanker.com/news/fifth-thirds-cio-jude-schramm-is-28-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [Huntington Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/49196/000119312526103196/hban-20260312.htm))

### Is Huntington's digital bank better than its rivals'?

Euromoney named Huntington the United States' best digital bank for consumers in July 2026, and its Heads Up personalization delivered 14 million insights a month across 96 use cases at a 4.7 out of 5 satisfaction score (March 2025). Peers' awards and measures differ: Fifth Third's Jeanie won Tearsheet's best chatbot award in 2026 and Citizens says CiZi cut mobile-banking calls by 44%. ([Huntington](https://ir.huntington.com/news-presentations/press-releases/detail/1004/huntington-bank-named-the-united-states-best-digital-bank-for-consumers), [Personetics](https://personetics.com/huntington-bank-a-masterclass-in-data-enrichment-and-customer-engagement), [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking))

## Peers on this site

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

## Sources

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85. 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
86. U.S. Bancorp Annual Report 2025 — U.S. Bank, Feb 23, 2026. https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf
87. Huntington Bancshares 2026 Proxy Statement (DEF 14A) — Huntington Bancshares (SEC filing), Mar 12, 2026. https://www.sec.gov/Archives/edgar/data/49196/000119312526103196/hban-20260312.htm
88. What CFOs at Adobe, Dataminr, and Huntington say about scaling AI — Fortune, Feb 2, 2026. https://fortune.com/2026/02/02/what-cfos-at-adobe-dataminr-and-huntington-say-about-scaling-ai
89. Why Fifth Third's CIO mostly buys rather than builds tech in the race to compete against banking giants — Fortune, Dec 4, 2024. https://fortune.com/2024/12/04/fifth-third-cio-ai-buy-rather-than-build/
90. PNC boosts new-branch effort to 300 by 2030 — Banking Dive, Nov 7, 2025. https://www.bankingdive.com/news/pnc-300-new-branches-2030-2000-hires-chicago-nashville/805026/
91. Quarterly Update Presentation, 1Q 2026 — BNY, Apr 16, 2026. https://www.bny.com/assets/corporate/documents/pdf/investor-relations/earnings/quarterly-update-presentation-1q-2026.pdf
92. Fifth Third's CIO is focused on enterprise-viable AI — American Banker, Jun 1, 2026. https://www.americanbanker.com/news/fifth-thirds-cio-jude-schramm-is-28-on-the-most-innovative-people-in-finance-ranking

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