# ING Groep N.V. vs peers: AI and technology compared

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

*Part of the [ING Groep N.V. AI strategy profile](https://www.bankingnewsai.com/banks/ing). Peer group: BNP Paribas SA, Banco Santander, Deutsche Bank, BBVA, Société Générale, NatWest Group plc, Lloyds Banking Group, Commonwealth Bank of Australia.*

## How does ING Groep N.V. compare with its peers on AI and technology?

ING scores 65.2 on this site's AI disclosure reference score, #53 of 140 banks and ninth in its nine-bank peer group: behind Commonwealth Bank of Australia (88.2), Lloyds (83.6), Deutsche Bank (78.9), BBVA (77.2), NatWest (75.1), Société Générale (72.7), BNP Paribas (72) and Santander (71.3). The score measures what is on the record, not capability; ING ranks third in the group on disclosed numbers but eighth on use cases in production, own primary disclosures and recent moves. Three things separate it from named peers. First, conversion: ING says more than 90% of its generative-AI pilots reach production (March 2026), and its chatbot handled 75% of chats without a human in 2025, up from 46% in 2023; NatWest's Cora resolved half of 12.9 million conversations without human help in 2025. Second, a workforce number: ING expects about 1,250 fewer Operations FTEs in 2026, among others in KYC, inside about EUR 350 million of cost efficiencies; Santander and BNP Paribas have set no AI-linked headcount figure. Third, agentic payments and mortgages: a live end-to-end agentic payment with Worldline and Mastercard (June 2026), a Visa Payment Passkeys test in Germany (July) and an agentic mortgage assistant that cuts complex Dutch cases from seven days to five. Where ING trails: it puts no value on AI, while Commonwealth Bank measures about A$200 million of gross AI benefits for FY26 and Lloyds about £50 million for 2025, and it has no chief AI officer. ([ING Groep N.V.](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf), [NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/nwg-annual-report-and-accounts-2025.pdf), [Reuters via Yahoo Finance](https://finance.yahoo.com/news/santander-weighs-3-000-early-084950622.html), [Investing.com](https://uk.investing.com/news/transcripts/earnings-call-transcript-bnp-paribas-q4-2025-earnings-beat-expectations-93CH-4491182), [Finextra](https://finextra.com/newsarticle/47844/ing-complete-live-end-to-end-european-agentic-payment-transaction), [Worldline via GlobeNewswire](https://globenewswire.com/news-release/2026/07/02/3321259/0/en/worldline-worldline-ing-and-visa-complete-a-live-agentic-payment-transaction-in-europe-press-release.html), [Investing.com](https://investing.com/news/transcripts/ing-at-bank-of-america-31th-annual-financials-ceo-conference-growth-lifts-targets-93CH-4912460), [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Presentation.pdf), [Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/ai-driven-benefits-2026.html), [Computer Weekly](https://www.computerweekly.com/news/366651975/ING-deliberately-started-AI-journey-the-hard-way))

## Where does ING lead its peers on AI?

- **More than 90% of pilots reach production.** ING's March 2026 investor deck says more than 90% of its (gen)AI pilots moved into production, inside a deliberately narrow set of five priority domains on one platform. BNP Paribas counts more than 800 use cases in place and Santander more than 1,000 data and AI initiatives, without a conversion rate. ([ING Groep N.V.](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf), [BNP Paribas](https://group.bnpparibas/en/group/about-us/frequently-asked-questions/faq-tech-artificial-intelligence), [Banco Santander](https://santander.com/content/dam/santander-com/en/documentos/informe-financiero-anual/2025/ifa-2025-consolidated-annual-financial-report-en.pdf))
- **A published AI workforce effect.** ING expects about 1,250 fewer Operations FTEs in 2026, among others in KYC, and filed an estimate of about 950 Dutch positions at risk by end-2026 in October 2025. Santander has set no AI-linked job target, and Deutsche Bank's 2026 efficiencies are not attributed to AI. ([ING Groep N.V.](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf), [ING Groep N.V.](https://ing.com/binaries/content/assets/documents/results/3q2025/3q2025-ing-analyst-call---transcript.pdf), [Reuters via Yahoo Finance](https://finance.yahoo.com/news/santander-weighs-3-000-early-084950622.html), [Deutsche Bank](https://investor-relations.db.com/files/documents/quarterly-results/2026/Q2-2026-Analyst-Call-Transcript-For-Upload.pdf))
- **Agentic payments on both card networks, plus the rulebook.** ING ran a live end-to-end agentic payment with Worldline and Mastercard in June 2026 and a Visa Payment Passkeys test in Germany in July, then co-authored principles for agentic commerce with ASB, Bank of America, Capital One, Commonwealth Bank and NatWest in September. Santander's Mastercard and Visa pilots ran in March 2026. ([Finextra](https://finextra.com/newsarticle/47844/ing-complete-live-end-to-end-european-agentic-payment-transaction), [Worldline via GlobeNewswire](https://globenewswire.com/news-release/2026/07/02/3321259/0/en/worldline-worldline-ing-and-visa-complete-a-live-agentic-payment-transaction-in-europe-press-release.html), [ING Group, ASB Bank, Bank of America, Capital One, Commonwealth Bank of Australia and NatWest Group](https://ing.com/binaries/content/assets/documents/news/principles-paper-building-trust-in-agentic-commerce), [Banco Santander](https://santander.com/content/dam/santander-com/en/documentos/notas-de-prensa/2026/03/np-2026-03-02-santander-y-mastercard-completan-el-primer-pago-real-ejecutado-por-un-agente-de-ia-en-europa-en.pdf), [Banco Santander](https://santander.com/en/press-room/press-releases/2026/03/santander-and-visa-deliver-latin-americas-first-end-to-end-payments-powered-by-ai-agents))
- **Agentic mortgages in production.** ING's CEO says it was the first bank in Europe to roll out agentic mortgages: piloted in the Netherlands in March 2026 and scaled from June, with a human making the final decision, cutting complex cases from seven to five days. NatWest's homebuying agent is on its roadmap beyond 2026. ([Finextra](https://finextra.com/newsarticle/47885/ing-deploys-agentic-ai-to-speed-up-mortgage-decisions), [Investing.com](https://investing.com/news/transcripts/ing-at-bank-of-america-31th-annual-financials-ceo-conference-growth-lifts-targets-93CH-4912460), [NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/ir-fy25-equity-slides.pdf))

## Where does ING trail its peers on AI?

- **Last in its peer group on disclosure.** ING's 65.2 is the lowest score in its nine-bank group; it ranks eighth of nine on use cases in production, own primary disclosures and dated moves in the last 12 months. Commonwealth Bank leads the group at 88.2 and ranked fourth globally on Evident's 2025 AI index. ([Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Annual-Report-print.pdf), [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Presentation.pdf))
- **No AI value figure.** ING reports cost efficiencies and FTE reductions but no AI value. Commonwealth Bank measured about A$200 million of gross AI benefits in FY26, Lloyds about £50 million from generative AI in 2025, BNP Paribas about EUR 600 million to date and Santander EUR 84 million in the first half of 2026. ([ING Groep N.V.](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf), [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Presentation.pdf), [Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/ai-driven-benefits-2026.html), [Investing.com](https://uk.investing.com/news/transcripts/earnings-call-transcript-bnp-paribas-q4-2025-earnings-beat-expectations-93CH-4491182), [Banco Santander](https://santander.com/content/dam/santander-com/en/documentos/informacion-privilegiada/2026/07/hr-2026-07-22-second-quarter-2026-results-press-release-en.pdf))
- **No firm-wide colleague AI figure.** ING says Microsoft 365 Copilot and engineering copilots are being rolled out but gives no reach figure. BBVA reports about 100,000 employees using ChatGPT Enterprise, Santander AI access for all 185,000 employees and Commonwealth Bank about 80% of staff actively engaging with AI platforms. ([Investing.com](https://investing.com/news/transcripts/ing-at-bank-of-america-31th-annual-financials-ceo-conference-growth-lifts-targets-93CH-4912460), [OpenAI](https://openai.com/index/bbva/), [Banco Santander](https://santander.com/en/stories/santander-turns-its-ai-first-strategy-into-measurable-impact-and-extends-ai-access-to-all-185000-employees), [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Presentation.pdf))

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

Scores from reference score: the AI-index formula applied to all 140 profiles (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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Commonwealth Bank of Australia](https://www.bankingnewsai.com/banks/commonwealth-bank) | 88.2 | #7 of 140 | [20](https://www.bankingnewsai.com/banks/commonwealth-bank#sources) | [28](https://www.bankingnewsai.com/banks/commonwealth-bank#sources) | [16 of 20](https://www.bankingnewsai.com/banks/commonwealth-bank#where) | [25](https://www.bankingnewsai.com/banks/commonwealth-bank#timeline) | AI Factory, Customer Engagement Engine and CommBank Companion ([Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Annual-Report-print.pdf), [Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2025/02/amazon-web-services-collaboration.html), [OpenAI](https://openai.com/index/commonwealth-bank-of-australia), [Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/05/commbank-companion.html), [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Transcript.pdf)) |
| [Lloyds Banking Group](https://www.bankingnewsai.com/banks/lloyds) | 83.6 | #13 of 140 | [20](https://www.bankingnewsai.com/banks/lloyds#sources) | [22](https://www.bankingnewsai.com/banks/lloyds#sources) | [11 of 19](https://www.bankingnewsai.com/banks/lloyds#where) | [23](https://www.bankingnewsai.com/banks/lloyds#timeline) | Envoy agent platform, Microsoft 365 E7 and the Group LLM platform ([Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/lloyds-banking-group-unveils-envoy.html), [Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/lloyds-banking-group-deploys-agentic-ai-to-strengthen-real-time-.html), [Lloyds Banking Group](https://lloydsbankinggroup.com/assets/pdfs/media/press-releases/2026-press-releases/lloyds-banking-group/microsoft-365-frontier-suite.pdf), [Google Cloud](https://cloud.google.com/customers/lloydsbankinggroup)) |
| [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank) | 78.9 | #22 of 140 | [15](https://www.bankingnewsai.com/banks/deutsche-bank#sources) | [28](https://www.bankingnewsai.com/banks/deutsche-bank#sources) | [10 of 17](https://www.bankingnewsai.com/banks/deutsche-bank#where) | [27](https://www.bankingnewsai.com/banks/deutsche-bank#timeline) | dbLumina and the Technology, Data and Innovation AI platform on Google Cloud ([Deutsche Bank](https://db.com/what-we-do/focus-topics/tech/index), [Finextra](https://finextra.com/newsarticle/47334/deutsche-banks-ai-says-its-coming-for-finance-jobs), [Deutsche Bank](https://www.db.com/news/detail/20260513-putting-agentic-ai-to-work-in-third-party-risk-management?language_id=1), [Deutsche Bank](https://www.db.com/news/detail/20260714-how-ai-is-reshaping-the-software-behind-everyday-banking?language_id=1), [Finextra](https://finextra.com/newsarticle/48452/deutsche-bank-estimates-30-uplift-in-client-onboarding-by-deploying-kyc-ai), [Google Cloud](https://cloud.google.com/transform/in-the-clouds-christian-rhino-deutsche-bank-financial-services-gen-ai-be-happy), [Finextra](https://finextra.com/newsarticle/48299/google-cloud-launches-ai-platform-for-financial-professionals), [Bloomberg](https://bloomberg.com/news/articles/2026-08-25/deutsche-bank-accelerates-ai-adoption-with-new-google-service)) |
| [BBVA](https://www.bankingnewsai.com/banks/bbva) | 77.2 | #27 of 140 | [11](https://www.bankingnewsai.com/banks/bbva#sources) | [45](https://www.bankingnewsai.com/banks/bbva#sources) | [12 of 19](https://www.bankingnewsai.com/banks/bbva#where) | [30](https://www.bankingnewsai.com/banks/bbva#timeline) | ChatGPT Enterprise, BBVA Assistants and The Eight ([OpenAI](https://openai.com/index/bbva-collaboration-expansion/), [BBVA](https://www.bbva.com/en/innovation/bbva-and-openai-seal-a-strategic-alliance-to-redefine-banking-with-artificial-intelligence), [BBVA](https://bbva.com/en/innovation/bbva-deepens-partnership-with-google-cloud-to-innovate-with-ai), [OpenAI](https://openai.com/index/bbva/), [Finextra](https://finextra.com/newsarticle/48183/bbva-call-centre-staff-develop-and-deploy-ai-agents-to-speed-up-response-times), [BBVA](https://bbva.com/en/innovation/bbva-develops-a-new-technology-architecture-with-aws-to-accelerate-its-ai-solutions), [BBVA](https://www.bbva.com/en/innovation/bbva-deploys-the-eight-its-strategy-to-transform-the-financial-experience-with-ai/), [BBVA](https://bbva.com/en/innovation/bbva-accelerates-its-artificial-intelligence-strategy-with-a-global-area-ai-transformation)) |
| [NatWest Group plc](https://www.bankingnewsai.com/banks/natwest) | 75.1 | #35 of 140 | [18](https://www.bankingnewsai.com/banks/natwest#sources) | [19](https://www.bankingnewsai.com/banks/natwest#sources) | [11 of 19](https://www.bankingnewsai.com/banks/natwest#where) | [20](https://www.bankingnewsai.com/banks/natwest#timeline) | Cora and the internal GenAI stack ([NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/nwg-annual-report-and-accounts-2025.pdf), [NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/ir-fy25-equity-slides.pdf), [NatWest Group](https://natwestgroup.com/news-and-insights/news-room/press-releases/2026/natwest-group-first-to-unveil-next-generation-of-ai-tools-to-hel.html), [NatWest Group](https://natwestgroup.com/news-and-insights/news-room/press-releases/ai-and-data/2025/mar/natwest-open-ai-collaborate-to-accelerate-cutting-edge-ai-transf.html), [NatWest Group](https://natwestgroup.com/news-and-insights/latest-stories/ai-and-data/2025/apr/deploying-new-generative-ai-technology-to-support-our-colleagues.html), [NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/31072026/nwg-h1-2026-results.pdf)) |
| [Société Générale](https://www.bankingnewsai.com/banks/societe-generale) | 72.7 | #41 of 140 | [25](https://www.bankingnewsai.com/banks/societe-generale#sources) | [1](https://www.bankingnewsai.com/banks/societe-generale#sources) | [12 of 16](https://www.bankingnewsai.com/banks/societe-generale#where) | [14](https://www.bankingnewsai.com/banks/societe-generale#timeline) | Microsoft Copilot (replacing the in-house SoGPT) and the Anthropic Claude agreement ([Bloomberg](https://bloomberg.com/news/articles/2026-01-12/socgen-turns-to-microsoft-s-copilot-after-scrapping-own-ai-tool), [Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-presentation.pdf), [Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-press-release.pdf)) |
| [BNP Paribas SA](https://www.bankingnewsai.com/banks/bnp-paribas) | 72 | #43 of 140 | [16](https://www.bankingnewsai.com/banks/bnp-paribas#sources) | [19](https://www.bankingnewsai.com/banks/bnp-paribas#sources) | [12 of 20](https://www.bankingnewsai.com/banks/bnp-paribas#where) | [19](https://www.bankingnewsai.com/banks/bnp-paribas#timeline) | LLM as a Service, with Mistral AI and Google Cloud ([BNP Paribas](https://group.bnpparibas/en/press-release/bnp-paribas-provides-its-businesses-with-an-llm-as-a-service-platform-to-accelerate-the-industrialization-of-generative-ai-use-cases), [BNP Paribas](https://group.bnpparibas/en/press-release/bnp-paribas-and-mistral-ai-extend-their-partnership-to-support-the-next-phase-of-generative-ai-deployment-within-the-group), [BNP Paribas](https://group.bnpparibas/en/press-release/bnp-paribas-and-google-cloud-announce-new-partnership-on-agentic-ai-and-cloud-innovation), [BNP Paribas](https://invest.bnpparibas/document/2q26-slides), [Finextra](https://finextra.com/newsarticle/48475/bnp-paribas-forges-agentic-ai-partnership-with-google-cloud)) |
| [Banco Santander](https://www.bankingnewsai.com/banks/santander) | 71.3 | #46 of 140 | [12](https://www.bankingnewsai.com/banks/santander#sources) | [22](https://www.bankingnewsai.com/banks/santander#sources) | [11 of 19](https://www.bankingnewsai.com/banks/santander#where) | [21](https://www.bankingnewsai.com/banks/santander#timeline) | Group Data & AI function inside ONE Transformation, with a multi-provider model stack ([Banco Santander](https://santander.com/en/stories/santander-turns-its-ai-first-strategy-into-measurable-impact-and-extends-ai-access-to-all-185000-employees), [Banco Santander](https://santander.com/content/dam/santander-com/en/documentos/informe-financiero-anual/2025/ifa-2025-consolidated-annual-financial-report-en.pdf), [Banco Santander](https://www.santander.com/en/stories/driving-our-transformation-with-the-creation-of-the-global-data-ai-function)) |
| [ING Groep N.V. (this page)](https://www.bankingnewsai.com/banks/ing) | 65.2 | #53 of 140 | [15](https://www.bankingnewsai.com/banks/ing#sources) | [17](https://www.bankingnewsai.com/banks/ing#sources) | [10 of 16](https://www.bankingnewsai.com/banks/ing#where) | [14](https://www.bankingnewsai.com/banks/ing#timeline) | Central AI platform on Google Cloud (VISTA data layer) and the AI Risk Committee ([ING Groep N.V. (SEC filing)](https://www.sec.gov/Archives/edgar/data/0001039765/000162828026011979/ing-20251231.htm), [Investing.com](https://investing.com/news/transcripts/ing-at-bank-of-america-31th-annual-financials-ceo-conference-growth-lifts-targets-93CH-4912460), [Computer Weekly](https://www.computerweekly.com/news/366637057/Interview-How-ING-reaps-benefits-of-centralising-AI)) |

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

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

| Component (weight) | ING | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 15 | 17 | [Société Générale (25)](https://www.bankingnewsai.com/banks/societe-generale) | 6th of 9 |
| Use cases in production (10%) | 10 | 11.5 | [Commonwealth Bank (16)](https://www.bankingnewsai.com/banks/commonwealth-bank) | 8th of 9 |
| Own primary disclosures (10%) | 17 | 22 | [BBVA (45)](https://www.bankingnewsai.com/banks/bbva) | 8th of 9 |
| Dated moves, last 12 months (10%) | 14 | 22 | [BBVA (30)](https://www.bankingnewsai.com/banks/bbva) | 8th of 9 |
| Disclosed numbers (5%) | 22 | 21.5 | [BBVA (25)](https://www.bankingnewsai.com/banks/bbva) | 3rd of 9 |
| Named AI leaders (5%) | 12 | 14 | [Deutsche Bank (19)](https://www.bankingnewsai.com/banks/deutsche-bank) | 5th of 9 |
| Use cases described (5%) | 16 | 19 | [BNP Paribas (20)](https://www.bankingnewsai.com/banks/bnp-paribas) | 8th of 9 |

## What has each bank in ING'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 |
| --- | --- | --- | --- | --- | --- |
| [ING Groep N.V.](https://www.bankingnewsai.com/banks/ing) | Central AI platform on Google Cloud (VISTA data layer) and the AI Risk Committee ([ING Groep N.V. (SEC filing)](https://www.sec.gov/Archives/edgar/data/0001039765/000162828026011979/ing-20251231.htm), [Investing.com](https://investing.com/news/transcripts/ing-at-bank-of-america-31th-annual-financials-ceo-conference-growth-lifts-targets-93CH-4912460), [Computer Weekly](https://www.computerweekly.com/news/366637057/Interview-How-ING-reaps-benefits-of-centralising-AI)) | [12, incl. Steven van Rijswijk (Chief Executive Officer, ING Groep)](https://www.bankingnewsai.com/banks/ing#people) ([Investing.com](https://investing.com/news/transcripts/ing-at-bank-of-america-31th-annual-financials-ceo-conference-growth-lifts-targets-93CH-4912460), [Investing.com](https://in.investing.com/news/transcripts/earnings-call-transcript-ing-beats-q2-2026-forecasts-and-lifts-outlook-93CH-5522738), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/ing-group-raises-2027-roe-010217370.html)) | (Gen)AI pilots moved into production: More than 90% (Mar 18, 2026) ([ING Groep N.V.](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf)) | Not disclosed | Not surveyed |
| [BNP Paribas SA](https://www.bankingnewsai.com/banks/bnp-paribas) | LLM as a Service, with Mistral AI and Google Cloud ([BNP Paribas](https://group.bnpparibas/en/press-release/bnp-paribas-provides-its-businesses-with-an-llm-as-a-service-platform-to-accelerate-the-industrialization-of-generative-ai-use-cases), [BNP Paribas](https://group.bnpparibas/en/press-release/bnp-paribas-and-mistral-ai-extend-their-partnership-to-support-the-next-phase-of-generative-ai-deployment-within-the-group), [BNP Paribas](https://group.bnpparibas/en/press-release/bnp-paribas-and-google-cloud-announce-new-partnership-on-agentic-ai-and-cloud-innovation), [BNP Paribas](https://invest.bnpparibas/document/2q26-slides), [Finextra](https://finextra.com/newsarticle/48475/bnp-paribas-forges-agentic-ai-partnership-with-google-cloud)) | [8, incl. Jean-Laurent Bonnafé (Chief Executive Officer)](https://www.bankingnewsai.com/banks/bnp-paribas#people) ([Reuters](https://reuters.com/business/finance/bnp-paribas-vows-more-cost-cuts-after-profit-tops-forecast-2026-02-05), [Bloomberg](https://bloomberg.com/news/articles/2026-03-26/bnp-paribas-set-to-roll-out-ai-companion-for-all-staff), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bnp-paribas-posts-strong-q2-2026-growth-93CH-4809058)) | AI use cases already in place: More than 800 (Oct 5, 2026) ([BNP Paribas](https://group.bnpparibas/en/group/about-us/frequently-asked-questions/faq-tech-artificial-intelligence)) | Not disclosed | Not surveyed |
| [Banco Santander](https://www.bankingnewsai.com/banks/santander) | Group Data & AI function inside ONE Transformation, with a multi-provider model stack ([Banco Santander](https://santander.com/en/stories/santander-turns-its-ai-first-strategy-into-measurable-impact-and-extends-ai-access-to-all-185000-employees), [Banco Santander](https://santander.com/content/dam/santander-com/en/documentos/informe-financiero-anual/2025/ifa-2025-consolidated-annual-financial-report-en.pdf), [Banco Santander](https://www.santander.com/en/stories/driving-our-transformation-with-the-creation-of-the-global-data-ai-function)) | [12, incl. Ana Botín (Group Executive Chair)](https://www.bankingnewsai.com/banks/santander#people) ([Banco Santander](https://santander.com/en/press-room/press-releases/2026/02/2026-santander-investor-day), [Bloomberg](https://bloomberg.com/news/articles/2026-02-25/santander-s-botin-sees-1-billion-ai-boost-amid-efficiency-push)) | Split of the 2028 AI target as reported by Bloomberg: about EUR 300m of revenue and about EUR 700m of cost cuts (Feb 25, 2026) ([Bloomberg](https://bloomberg.com/news/articles/2026-02-25/santander-s-botin-sees-1-billion-ai-boost-amid-efficiency-push)) | Not disclosed | Not surveyed |
| [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank) | dbLumina and the Technology, Data and Innovation AI platform on Google Cloud ([Deutsche Bank](https://db.com/what-we-do/focus-topics/tech/index), [Finextra](https://finextra.com/newsarticle/47334/deutsche-banks-ai-says-its-coming-for-finance-jobs), [Deutsche Bank](https://www.db.com/news/detail/20260513-putting-agentic-ai-to-work-in-third-party-risk-management?language_id=1), [Deutsche Bank](https://www.db.com/news/detail/20260714-how-ai-is-reshaping-the-software-behind-everyday-banking?language_id=1), [Finextra](https://finextra.com/newsarticle/48452/deutsche-bank-estimates-30-uplift-in-client-onboarding-by-deploying-kyc-ai), [Google Cloud](https://cloud.google.com/transform/in-the-clouds-christian-rhino-deutsche-bank-financial-services-gen-ai-be-happy), [Finextra](https://finextra.com/newsarticle/48299/google-cloud-launches-ai-platform-for-financial-professionals), [Bloomberg](https://bloomberg.com/news/articles/2026-08-25/deutsche-bank-accelerates-ai-adoption-with-new-google-service)) | [19, incl. Christian Sewing (Chief Executive Officer)](https://www.bankingnewsai.com/banks/deutsche-bank#people) ([Deutsche Bank](https://investor-relations.db.com/files/documents/other-presentations-and-events/2025/IDD-2025-Script-Scaling-The-Global-Hausbank-Christian-Sewing.pdf), [Deutsche Bank](https://hauptversammlung.db.com/files/documents/2026/AGM-2026-Speech-Sewing.pdf)) | Private Bank AI-enabled operating model, run-rate savings by 2028 / cumulative technology spend: €300m / about €600m (Nov 17, 2025) ([Deutsche Bank](https://investor-relations.db.com/files/documents/other-presentations-and-events/2025/IDD-2025-Presentation-Private-Bank-Claudio-de-Sanctis.pdf)) | Not disclosed | Not surveyed |
| [BBVA](https://www.bankingnewsai.com/banks/bbva) | ChatGPT Enterprise, BBVA Assistants and The Eight ([OpenAI](https://openai.com/index/bbva-collaboration-expansion/), [BBVA](https://www.bbva.com/en/innovation/bbva-and-openai-seal-a-strategic-alliance-to-redefine-banking-with-artificial-intelligence), [BBVA](https://bbva.com/en/innovation/bbva-deepens-partnership-with-google-cloud-to-innovate-with-ai), [OpenAI](https://openai.com/index/bbva/), [Finextra](https://finextra.com/newsarticle/48183/bbva-call-centre-staff-develop-and-deploy-ai-agents-to-speed-up-response-times), [BBVA](https://bbva.com/en/innovation/bbva-develops-a-new-technology-architecture-with-aws-to-accelerate-its-ai-solutions), [BBVA](https://www.bbva.com/en/innovation/bbva-deploys-the-eight-its-strategy-to-transform-the-financial-experience-with-ai/), [BBVA](https://bbva.com/en/innovation/bbva-accelerates-its-artificial-intelligence-strategy-with-a-global-area-ai-transformation)) | [17, incl. Carlos Torres Vila (Chair)](https://www.bankingnewsai.com/banks/bbva#people) ([BBVA](https://www.bbva.com/en/innovation/bbva-and-openai-seal-a-strategic-alliance-to-redefine-banking-with-artificial-intelligence), [BBVA](https://bbva.com/en/innovation/bbva-accelerates-its-artificial-intelligence-strategy-with-a-global-area-ai-transformation)) | Employees using ChatGPT Enterprise: About 100,000 (70%-plus weekly active; about 3 hours saved per employee per week) (Jun 11, 2026) ([OpenAI](https://openai.com/index/bbva/)) | 1 patent listed on the profile, e.g. EP 3970062 A1 (Method and system for obtaining financial information about an object from a photograph, using machine learning) ([Google Patents (EPO)](https://patents.google.com/patent/EP3970062A1/en)) | Not surveyed |
| [Société Générale](https://www.bankingnewsai.com/banks/societe-generale) | Microsoft Copilot (replacing the in-house SoGPT) and the Anthropic Claude agreement ([Bloomberg](https://bloomberg.com/news/articles/2026-01-12/socgen-turns-to-microsoft-s-copilot-after-scrapping-own-ai-tool), [Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-presentation.pdf), [Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-press-release.pdf)) | [12, incl. Slawomir Krupa (Group Chief Executive Officer)](https://www.bankingnewsai.com/banks/societe-generale#people) ([Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-press-release.pdf), [Investing.com](https://investing.com/news/transcripts/societe-generale-at-bank-of-america-31th-annual-financials-ceo-conference-disciplined-growth-93CH-4910050)) | AI cost-savings opportunity in the 2029 plan: EUR 500m to EUR 600m, of which about EUR 350m already identified by 2029 (Sep 21, 2026) ([Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-press-release.pdf), [Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-presentation.pdf)) | Not disclosed | Not surveyed |
| [NatWest Group plc](https://www.bankingnewsai.com/banks/natwest) | Cora and the internal GenAI stack ([NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/nwg-annual-report-and-accounts-2025.pdf), [NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/ir-fy25-equity-slides.pdf), [NatWest Group](https://natwestgroup.com/news-and-insights/news-room/press-releases/2026/natwest-group-first-to-unveil-next-generation-of-ai-tools-to-hel.html), [NatWest Group](https://natwestgroup.com/news-and-insights/news-room/press-releases/ai-and-data/2025/mar/natwest-open-ai-collaborate-to-accelerate-cutting-edge-ai-transf.html), [NatWest Group](https://natwestgroup.com/news-and-insights/latest-stories/ai-and-data/2025/apr/deploying-new-generative-ai-technology-to-support-our-colleagues.html), [NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/31072026/nwg-h1-2026-results.pdf)) | [9, incl. Paul Thwaite (Group Chief Executive Officer)](https://www.bankingnewsai.com/banks/natwest#people) ([NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/nwg-annual-report-and-accounts-2025.pdf), [NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/31072026/nwg-h1-2026-results.pdf), [Finextra](https://finextra.com/newsarticle/47960/natwest-ceo-thwaite-says-ai-will-take-some-banking-jobs)) | Cora journeys enhanced with GenAI: 21 (17 added during 2025); all journeys targeted by end-2026 (Dec 31, 2025) ([NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/nwg-annual-report-and-accounts-2025.pdf), [NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/ir-fy25-equity-slides.pdf)) | Not disclosed | Not surveyed |
| [Lloyds Banking Group](https://www.bankingnewsai.com/banks/lloyds) | Envoy agent platform, Microsoft 365 E7 and the Group LLM platform ([Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/lloyds-banking-group-unveils-envoy.html), [Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/lloyds-banking-group-deploys-agentic-ai-to-strengthen-real-time-.html), [Lloyds Banking Group](https://lloydsbankinggroup.com/assets/pdfs/media/press-releases/2026-press-releases/lloyds-banking-group/microsoft-365-frontier-suite.pdf), [Google Cloud](https://cloud.google.com/customers/lloydsbankinggroup)) | [16, incl. Charlie Nunn (Group Chief Executive)](https://www.bankingnewsai.com/banks/lloyds#people) ([Lloyds Banking Group](https://lloydsbankinggroup.com/assets/pdfs/investors/financial-performance/lloyds-banking-group-plc/2026/q2/2026-lbg-hy-results.pdf), [The Guardian](https://theguardian.com/business/2026/jan/29/lloyds-charlie-nunn-warns-bankers-reskill-themselves-impact-ai), [Computer Weekly](https://computerweekly.com/news/366646854/AI-will-support-all-Lloyds-Bank-customer-interactions-by-2030)) | Value delivered by generative AI in 2025: About £50 million (more than 50 solutions deployed) (Dec 31, 2025) ([Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/ai-driven-benefits-2026.html), [Bloomberg](https://bloomberg.com/news/articles/2026-01-29/lloyds-expects-100-million-boost-from-ai-spend-in-2026)) | 1 patent listed on the profile, e.g. US 12,095,784 B2 (Methods and systems for indicating the possibility of a cyber-attack on a computer network) ([Google Patents (USPTO)](https://patents.google.com/patent/US12095784B2/en), [Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2025/lloyds-banking-group-2025/lloyds-banking-group-secures-patent-for-cybersecurity-innovation.html)) | [5 open AI roles (Oct 5, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/lloyds#roles) |
| [Commonwealth Bank of Australia](https://www.bankingnewsai.com/banks/commonwealth-bank) | AI Factory, Customer Engagement Engine and CommBank Companion ([Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Annual-Report-print.pdf), [Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2025/02/amazon-web-services-collaboration.html), [OpenAI](https://openai.com/index/commonwealth-bank-of-australia), [Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/05/commbank-companion.html), [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Transcript.pdf)) | [16, incl. Matt Comyn (Chief Executive Officer)](https://www.bankingnewsai.com/banks/commonwealth-bank#people) ([Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/02/cba-approach-to-adopting-ai-report-announcement.html), [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Transcript.pdf), [OpenAI](https://openai.com/index/commonwealth-bank-of-australia)) | Measured gross benefits from AI use cases (including reinvested capacity): about A$200 million in FY26, of which about A$100 million incremental in-year; expected to double in FY27 and exceed investment (Jun 30, 2026) ([Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Presentation.pdf)) | 1 patent listed on the profile, e.g. US 2025/0307709 A1 (Vector embedder for non-natural language data) ([Google Patents (USPTO)](https://patents.google.com/patent/US20250307709A1/en)) | [9 open AI roles (Oct 5, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/commonwealth-bank#roles) |

## What are the latest dated moves on the AI record of ING 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 14, 2026 | [Commonwealth Bank](https://www.bankingnewsai.com/banks/commonwealth-bank) | AGM: Comyn calls for AI regulation to keep pace ([Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/10/agm-ceo-address.html), [Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/10/agm-chair-address.html)) |
| Oct 13, 2026 | [BBVA](https://www.bankingnewsai.com/banks/bbva) | First European bank to join the Poppy agent protocol ([BBVA](https://www.bbva.com/en/innovation/bbva-helps-design-a-common-protocol-led-by-sierra-ai-and-meta-to-connect-ai-agents-with-businesses/)) |
| Oct 13, 2026 | [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank) | Farsight deployed on-premise in investment banking and capital markets ([Farsight (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/deutsche-bank-deploys-farsight-premise-130000245.html)) |
| Oct 9, 2026 | [BBVA](https://www.bankingnewsai.com/banks/bbva) | Algorithmic trading: models plus generative agents on the desk ([BBVA](https://www.bbva.com/en/enterprises/the-algorithmic-trader-how-ai-is-redefining-the-trading-desk/)) |
| Oct 8, 2026 | [Société Générale](https://www.bankingnewsai.com/banks/societe-generale) | BlueMatrix agrees to buy Aiera ([BlueMatrix via PR Newswire](https://www.prnewswire.com/news-releases/thoma-bravo-backed-bluematrix-to-acquire-aiera-advancing-governed-ai-distribution-for-investment-research-302902401.html), [Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-03/universal-registration-document-2026.pdf)) |
| Oct 6, 2026 | [Commonwealth Bank](https://www.bankingnewsai.com/banks/commonwealth-bank) | 2026 Evident AI Index keeps CBA fourth globally ([Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/10/commonwealth-bank-2026-evident-ai-index.html)) |
| Oct 6, 2026 | [Lloyds](https://www.bankingnewsai.com/banks/lloyds) | Evident AI index 2026: 15th again ([Euronews via Yahoo Finance](https://finance.yahoo.com/news/ubs-only-european-bank-top-054547722.html)) |
| Oct 6, 2026 | [NatWest](https://www.bankingnewsai.com/banks/natwest) | Evident AI Index places NatWest 17th ([Euronews (via Yahoo Finance)](https://finance.yahoo.com/news/ubs-only-european-bank-top-054547373.html)) |
| Sep 30, 2026 | [Société Générale](https://www.bankingnewsai.com/banks/societe-generale) | Group CDO on agentic payments at Sibos 2026 ([FinTech Futures](https://fintechfutures.com/ai-in-fintech/sibos-2026-agentic-payments-take-centre-stage-on-day-three), [Societe Generale](https://wholesale.banking.societegenerale.com/en/news-insights/all-news-insights/news-details/news/sibos-2026)) |
| Sep 25, 2026 | [NatWest](https://www.bankingnewsai.com/banks/natwest) | Voice-to-voice Spending Insights trial and Fraud Triage Agent ([NatWest Group](https://natwestgroup.com/news-and-insights/news-room/press-releases/2026/natwest-group-first-to-unveil-next-generation-of-ai-tools-to-hel.html), [Finextra](https://www.finextra.com/newsarticle/48480/natwest-unveils-ai-powered-audio-visual-spending-insights-tool)) |
| Sep 24, 2026 | [BNP Paribas](https://www.bankingnewsai.com/banks/bnp-paribas) | Five-year Google Cloud partnership for agentic AI ([BNP Paribas](https://group.bnpparibas/en/press-release/bnp-paribas-and-google-cloud-announce-new-partnership-on-agentic-ai-and-cloud-innovation), [Finextra](https://finextra.com/newsarticle/48475/bnp-paribas-forges-agentic-ai-partnership-with-google-cloud)) |
| Sep 23, 2026 | [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank) | CFO: Postbank AI tool to scale to the Deutsche Bank brand ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/deutsche-bank-targets-13-2028-130230943.html)) |
| Sep 23, 2026 | [Santander](https://www.bankingnewsai.com/banks/santander) | Santander AI Lab releases the A2K protocol suite ([Banco Santander](https://www.santander.com/en/stories/a2k-a-new-protocol-for-connecting-ai-agents-to-governed-auditable-enterprise-knowledge)) |
| Sep 23, 2026 | [ING](https://www.bankingnewsai.com/banks/ing) | CEO at the BofA conference: 600 AI staff, Google as main partner ([Investing.com](https://investing.com/news/transcripts/ing-at-bank-of-america-31th-annual-financials-ceo-conference-growth-lifts-targets-93CH-4912460), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/ing-group-raises-2027-roe-010217370.html)) |
| Sep 22, 2026 | [BNP Paribas](https://www.bankingnewsai.com/banks/bnp-paribas) | Strategy update ties AI to support-function efficiency ([BNP Paribas](https://group.bnpparibas/en/press-release/bnp-paribas-leverages-its-leading-franchises-to-advance-a-compelling-growth-trajectory-through-europe-s-major-transformations)) |
| Sep 22, 2026 | [ING](https://www.bankingnewsai.com/banks/ing) | Six banks publish principles for agentic commerce ([ING Group, ASB Bank, Bank of America, Capital One, Commonwealth Bank of Australia and NatWest Group](https://ing.com/binaries/content/assets/documents/news/principles-paper-building-trust-in-agentic-commerce), [PYMNTS](https://pymnts.com/news/artificial-intelligence/2026/banks-want-audit-trail-from-ai-shopping-instructions-payment-outcome)) |
| Aug 20, 2026 | [Lloyds](https://www.bankingnewsai.com/banks/lloyds) | £100 million future-skills investment ([Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/lloyds-banking-group-to-invest-100-million-in-future-skills.html)) |
| Jul 30, 2026 | [Santander](https://www.bankingnewsai.com/banks/santander) | One evaluation framework for AI products across their life ([Banco Santander](https://santander.com/en/stories/when-speed-meets-quality-how-we-make-ai-products-measurable-at-santander)) |

## How much customer service does ING automate with AI compared with its peers?

Each bank's own measure; definitions differ (chats without a human, conversations resolved end to end, interactions handled by AI).

| Bank | Assistant | Automation as disclosed | As of |
| --- | --- | --- | --- |
| ING | GenAI chatbot in seven countries | 75% of chats handled without a human in 2025 (46% in 2023); more than 80% in four countries | March 2026 ([ING Groep N.V.](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf)) |
| Commonwealth Bank | Virtual messaging | 86% of conversations resolved end to end | FY26 ([Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Transcript.pdf)) |
| NatWest | Cora | 12.9 million conversations in 2025, half with no human intervention | 31 December 2025 ([NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/nwg-annual-report-and-accounts-2025.pdf)) |
| Société Générale | BoursoBank assistants | 65% of client interactions handled by AI in 2025 | 21 September 2026 ([Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-presentation.pdf)) |
| BBVA | Voice agents (Peru, Mexico pilots) | Close to 90% of interactions resolved in production pilots | 6 October 2026 ([BBVA](https://www.bbva.com/en/innovation/bbva-creates-a-model-to-scale-ai-across-the-group-and-drive-its-customer-centric-transformation/)) |
| BNP Paribas | HelloïZ (Hello bank!) | More than one million clients since January 2026 | 26 May 2026 ([BNP Paribas](https://group.bnpparibas/en/press-release/bnp-paribas-and-mistral-ai-extend-their-partnership-to-support-the-next-phase-of-generative-ai-deployment-within-the-group)) |
| Lloyds | AI financial assistant | More than 500,000 Bank of Scotland customers | 22 June 2026 ([Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/1000-new-ai-roles.html)) |

## What have ING and its peers said about AI's effect on jobs?

| Bank | What it disclosed | Attributed to AI? | As of |
| --- | --- | --- | --- |
| ING | About 1,250 fewer Operations FTEs in 2026, among others in KYC; about 950 Dutch positions at risk by end-2026 | Yes, in part | October 2025 and March 2026 ([ING Groep N.V.](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf), [ING Groep N.V.](https://ing.com/binaries/content/assets/documents/results/3q2025/3q2025-ing-analyst-call---transcript.pdf)) |
| Société Générale | 1,800 net positions to be cut in France through attrition and mobility | Part of a simplification plan | 22 January 2026 ([Societe Generale](https://societegenerale.com/sites/default/files/documents/2026-01/societe-generale-accelerates-the-simplification-of-its-organization.pdf)) |
| Santander | No AI-linked target; about 14,000 fewer roles over two years; early-retirement talks in Spain | No | 24 June 2026 ([Reuters via Yahoo Finance](https://finance.yahoo.com/news/santander-weighs-3-000-early-084950622.html)) |
| Lloyds | More than 1,000 AI roles planned, almost 300 of them agentic; £100 million future-skills investment | Hiring, not cuts | June-August 2026 ([Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/1000-new-ai-roles.html), [Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/lloyds-banking-group-to-invest-100-million-in-future-skills.html)) |
| Deutsche Bank | Operating efficiencies of about EUR 100 million (Q1) and EUR 200 million (Q2 2026), mainly workforce measures | No | 29 July 2026 ([Deutsche Bank](https://investor-relations.db.com/files/documents/quarterly-results/2026/Q1-2026-Analyst-Call-Transcript-For-Upload.pdf), [Deutsche Bank](https://investor-relations.db.com/files/documents/quarterly-results/2026/Q2-2026-Analyst-Call-Transcript-For-Upload.pdf)) |
| BBVA | About 4,000 data specialists; 250 senior leaders trained in AI | Not a cut | April-October 2026 ([BBVA](https://www.bbva.com/en/innovation/bbva-creates-a-model-to-scale-ai-across-the-group-and-drive-its-customer-centric-transformation/), [BBVA](https://bbva.com/en/innovation/harvard-business-review-recognizes-bbva-as-a-benchmark-for-corporate-ai-adoption)) |

## How do ING's agentic payment pilots compare with its peers'?

Pilots and controlled tests; none of these banks reports agentic payment volumes.

| Bank | What it did | Partners | Date |
| --- | --- | --- | --- |
| ING | Live end-to-end agentic payment on European infrastructure | Worldline, Mastercard | 2 June 2026 ([Finextra](https://finextra.com/newsarticle/47844/ing-complete-live-end-to-end-european-agentic-payment-transaction)) |
| ING | Merchant agent payment confirmed by Visa Payment Passkeys in Germany | Visa, Worldline | 2 July 2026 ([Worldline via GlobeNewswire](https://globenewswire.com/news-release/2026/07/02/3321259/0/en/worldline-worldline-ing-and-visa-complete-a-live-agentic-payment-transaction-in-europe-press-release.html)) |
| ING, NatWest, Commonwealth Bank | Principles for trust in agentic commerce, with ASB, Bank of America and Capital One | Six-bank paper | 22 September 2026 ([ING Group, ASB Bank, Bank of America, Capital One, Commonwealth Bank of Australia and NatWest Group](https://ing.com/binaries/content/assets/documents/news/principles-paper-building-trust-in-agentic-commerce)) |
| Santander | Live agent-executed payment in Europe; Visa Intelligent Commerce in five Latin American markets | Mastercard, Visa | March 2026 ([Banco Santander](https://santander.com/content/dam/santander-com/en/documentos/notas-de-prensa/2026/03/np-2026-03-02-santander-y-mastercard-completan-el-primer-pago-real-ejecutado-por-un-agente-de-ia-en-europa-en.pdf), [Banco Santander](https://santander.com/en/press-room/press-releases/2026/03/santander-and-visa-deliver-latin-americas-first-end-to-end-payments-powered-by-ai-agents)) |
| BBVA | First European bank in the Poppy personal agent protocol | Sierra AI, Meta | 13 October 2026 ([BBVA](https://www.bbva.com/en/innovation/bbva-helps-design-a-common-protocol-led-by-sierra-ai-and-meta-to-connect-ai-agents-with-businesses/)) |

## How does ING's centralized AI model compare with its peers'?

ING runs AI as one programme: a single cloud-based data, analytics and AI platform on which it builds most of its AI and all of its generative and agentic AI, about 600 AI staff (around 300 in a hub in Türkiye), about 3,000 data and analytics staff under a chief analytics officer, and five board-chosen priority domains. Google is the main technology partner, and a central AI Risk Committee set up in 2025 oversees new domains such as voicebots and agentic AI. No chief AI officer is named. ([ING Groep N.V. (SEC filing)](https://www.sec.gov/Archives/edgar/data/0001039765/000162828026011979/ing-20251231.htm), [Investing.com](https://investing.com/news/transcripts/ing-at-bank-of-america-31th-annual-financials-ceo-conference-growth-lifts-targets-93CH-4912460), [Computer Weekly](https://www.computerweekly.com/news/366651975/ING-deliberately-started-AI-journey-the-hard-way), [Computer Weekly](https://www.computerweekly.com/news/366637057/Interview-How-ING-reaps-benefits-of-centralising-AI))

Peers spread their bets more widely. BBVA gives ChatGPT Enterprise to all 120,000 employees and Gemini alongside it and created a top-level AI Transformation area in May 2026; Santander uses Microsoft, OpenAI, Anthropic, Google and G42; Commonwealth Bank works with OpenAI, Anthropic, in which it holds a stake carried at A$1,527 million, and AWS. BNP Paribas, like ING, governs through committees rather than a named AI chief. ([OpenAI](https://openai.com/index/bbva-collaboration-expansion/), [BBVA](https://bbva.com/en/innovation/bbva-accelerates-its-artificial-intelligence-strategy-with-a-global-area-ai-transformation), [Banco Santander](https://santander.com/en/stories/santander-turns-its-ai-first-strategy-into-measurable-impact-and-extends-ai-access-to-all-185000-employees), [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Annual-Report-print.pdf), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bnp-paribas-posts-strong-q2-2026-growth-93CH-4809058))

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

ING Groep N.V. is compared here with BNP Paribas SA, Banco Santander, Deutsche Bank, BBVA, Société Générale, NatWest Group plc, Lloyds Banking Group and Commonwealth Bank of Australia: chosen by the editors for this page (see the note below the table). ING Groep N.V. is classed as a regional or retail-commercial bank headquartered in Netherlands.

The computed group mixed ING with Asian and Canadian banks (DBS, OCBC, TD, BMO) that share none of its markets, so this page keeps BBVA, Lloyds, NatWest and Commonwealth Bank (ING's rival in Australia and co-author of its agentic-commerce principles) and adds the euro-area universal banks it meets in Belgium, Germany, Spain and Poland (BNP Paribas, Santander, Deutsche Bank, Société Générale).

## Common questions

### Is ING better than BNP Paribas at AI?

The record cannot settle capability. On disclosure, BNP Paribas scores 72 on this site's reference score and ING 65.2. BNP reports about EUR 600 million of AI value to date and more than 800 use cases in place; ING reports that more than 90% of its pilots reach production and gives a workforce number, about 1,250 fewer Operations FTEs in 2026. ([Investing.com](https://uk.investing.com/news/transcripts/earnings-call-transcript-bnp-paribas-q4-2025-earnings-beat-expectations-93CH-4491182), [BNP Paribas](https://group.bnpparibas/en/group/about-us/frequently-asked-questions/faq-tech-artificial-intelligence), [ING Groep N.V.](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf))

### How does ING's chatbot compare with other banks' assistants?

ING's GenAI chatbot handled 75% of chats without a human in 2025, up from 46% in 2023, and more than 80% in four of its seven chatbot countries. Commonwealth Bank resolves 86% of virtual-messaging conversations end to end; NatWest's Cora handled half of its 12.9 million 2025 conversations without a human. ([ING Groep N.V.](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf), [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Transcript.pdf), [NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/nwg-annual-report-and-accounts-2025.pdf))

### Is ING cutting jobs because of AI?

Partly, and it says so. ING's March 2026 investor deck expects about 1,250 fewer Operations FTEs in 2026, among others in KYC and associated activities, and in October 2025 ING filed an estimate of about 950 Dutch positions at risk by end-2026. Group headcount fell by more than 1% over the 12 months to June 2026. ([ING Groep N.V.](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf), [ING Groep N.V.](https://ing.com/binaries/content/assets/documents/results/3q2025/3q2025-ing-analyst-call---transcript.pdf), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/ing-group-q2-earnings-call-090407972.html))

### Which AI partner does ING use?

Google. CEO Steven van Rijswijk said on 23 September 2026 that Google is ING's main technology partner, whose VISTA data layer lets it use Google's models for processing and client-interaction use cases; its chief analytics officer says ING uses Gemini Enterprise. Microsoft 365 Copilot and engineering copilots are also being rolled out. ([Investing.com](https://investing.com/news/transcripts/ing-at-bank-of-america-31th-annual-financials-ceo-conference-growth-lifts-targets-93CH-4912460), [Computer Weekly](https://www.computerweekly.com/news/366651975/ING-deliberately-started-AI-journey-the-hard-way))

### Was ING first in Europe with agentic payments?

ING, Worldline and Mastercard described their 2 June 2026 concert-ticket purchase as Europe's first end-to-end agentic payment transaction. Santander and Mastercard had described a live agent-executed payment through Santander's infrastructure on 2 March 2026, in a controlled environment, as Europe's first. Both are pilots. ([Finextra](https://finextra.com/newsarticle/47844/ing-complete-live-end-to-end-european-agentic-payment-transaction), [Banco Santander](https://santander.com/content/dam/santander-com/en/documentos/notas-de-prensa/2026/03/np-2026-03-02-santander-y-mastercard-completan-el-primer-pago-real-ejecutado-por-un-agente-de-ia-en-europa-en.pdf))

### Why does ING rank low on this site's AI index?

The score counts what is on the record. ING ranks eighth of nine in its peer group on use cases in production, own primary disclosures and recent moves, and has no named AI leader comparable to peers' chief AI officers; it ranks third on disclosed numbers, such as its pilot-to-production rate and FTE effect. ([ING Groep N.V.](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf), [Computer Weekly](https://www.computerweekly.com/news/366651975/ING-deliberately-started-AI-journey-the-hard-way))

### How does ING compare with Commonwealth Bank on AI?

They compete in Australia and co-authored the September 2026 agentic-commerce principles. Commonwealth Bank scores 88.2 on this site's reference score against ING's 65.2, measures about A$200 million of gross AI benefits for FY26 and holds a stake in Anthropic; ING publishes a pilot-to-production rate above 90% and a workforce effect. ([ING Group, ASB Bank, Bank of America, Capital One, Commonwealth Bank of Australia and NatWest Group](https://ing.com/binaries/content/assets/documents/news/principles-paper-building-trust-in-agentic-commerce), [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Presentation.pdf), [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Annual-Report-print.pdf), [ING Groep N.V.](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf))

## Peers on this site

- [BNP Paribas SA AI strategy](https://www.bankingnewsai.com/banks/bnp-paribas) · [vs peers](https://www.bankingnewsai.com/banks/bnp-paribas/vs-peers)
- [Banco Santander AI strategy](https://www.bankingnewsai.com/banks/santander) · [vs peers](https://www.bankingnewsai.com/banks/santander/vs-peers)
- [Deutsche Bank AI strategy](https://www.bankingnewsai.com/banks/deutsche-bank) · [vs peers](https://www.bankingnewsai.com/banks/deutsche-bank/vs-peers)
- [BBVA AI strategy](https://www.bankingnewsai.com/banks/bbva) · [vs peers](https://www.bankingnewsai.com/banks/bbva/vs-peers)
- [Société Générale AI strategy](https://www.bankingnewsai.com/banks/societe-generale) · [vs peers](https://www.bankingnewsai.com/banks/societe-generale/vs-peers)
- [NatWest Group plc AI strategy](https://www.bankingnewsai.com/banks/natwest) · [vs peers](https://www.bankingnewsai.com/banks/natwest/vs-peers)
- [Lloyds Banking Group AI strategy](https://www.bankingnewsai.com/banks/lloyds) · [vs peers](https://www.bankingnewsai.com/banks/lloyds/vs-peers)
- [Commonwealth Bank of Australia AI strategy](https://www.bankingnewsai.com/banks/commonwealth-bank) · [vs peers](https://www.bankingnewsai.com/banks/commonwealth-bank/vs-peers)

## Sources

1. Driving value through digitalisation, scalability and (Gen)AI (Morgan Stanley European Financials Conference 2026 presentation) — ING Groep N.V., Mar 18, 2026. https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf
2. NatWest Group plc 2025 Annual Report and Accounts — NatWest Group plc, Feb 13, 2026. https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/nwg-annual-report-and-accounts-2025.pdf
3. Santander weighs up to 3,000 early retirements in Spain amid AI shift, newspaper says — Reuters via Yahoo Finance, Jun 24, 2026. https://finance.yahoo.com/news/santander-weighs-3-000-early-084950622.html
4. Earnings call transcript: BNP Paribas Q4 2025 earnings beat expectations — Investing.com, Feb 5, 2026. https://uk.investing.com/news/transcripts/earnings-call-transcript-bnp-paribas-q4-2025-earnings-beat-expectations-93CH-4491182
5. ING completes live end-to-end European agentic payment transaction — Finextra, Jun 2, 2026. https://finextra.com/newsarticle/47844/ing-complete-live-end-to-end-european-agentic-payment-transaction
6. Worldline, ING and Visa complete a live agentic payment transaction in Europe — Worldline via GlobeNewswire, Jul 2, 2026. https://globenewswire.com/news-release/2026/07/02/3321259/0/en/worldline-worldline-ing-and-visa-complete-a-live-agentic-payment-transaction-in-europe-press-release.html
7. ING at Bank of America 31th Annual Financials CEO Conference: growth lifts targets — Investing.com, Sep 23, 2026. https://investing.com/news/transcripts/ing-at-bank-of-america-31th-annual-financials-ceo-conference-growth-lifts-targets-93CH-4912460
8. CBA 2026 Full Year Results Presentation — Commonwealth Bank of Australia, Aug 12, 2026. https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Presentation.pdf
9. Lloyds Banking Group expects over £100 million in value from next-generation AI in 2026 — Lloyds Banking Group, Jan 29, 2026. https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/ai-driven-benefits-2026.html
10. ING deliberately started AI journey the hard way (undated page, retrieved 2026-10-14) — Computer Weekly, Oct 14, 2026. https://www.computerweekly.com/news/366651975/ING-deliberately-started-AI-journey-the-hard-way
11. Tech & Artificial Intelligence FAQ (undated page, retrieved 2026-10-05) — BNP Paribas, Oct 5, 2026. https://group.bnpparibas/en/group/about-us/frequently-asked-questions/faq-tech-artificial-intelligence
12. 2025 Annual report — Banco Santander, Feb 26, 2026. https://santander.com/content/dam/santander-com/en/documentos/informe-financiero-anual/2025/ifa-2025-consolidated-annual-financial-report-en.pdf
13. Transcript Analyst call 3Q2025 — ING Groep N.V., Oct 30, 2025. https://ing.com/binaries/content/assets/documents/results/3q2025/3q2025-ing-analyst-call---transcript.pdf
14. Q2 2026 Analyst Conference Call Transcript — Deutsche Bank, Jul 29, 2026. https://investor-relations.db.com/files/documents/quarterly-results/2026/Q2-2026-Analyst-Call-Transcript-For-Upload.pdf
15. Building Trust in Agentic Commerce: Customer-centric principles for a trusted and thriving ecosystem — ING Group, ASB Bank, Bank of America, Capital One, Commonwealth Bank of Australia and NatWest Group, Sep 22, 2026. https://ing.com/binaries/content/assets/documents/news/principles-paper-building-trust-in-agentic-commerce
16. Santander and Mastercard complete Europe's first live end-to-end payment executed by an AI agent — Banco Santander, Mar 2, 2026. https://santander.com/content/dam/santander-com/en/documentos/notas-de-prensa/2026/03/np-2026-03-02-santander-y-mastercard-completan-el-primer-pago-real-ejecutado-por-un-agente-de-ia-en-europa-en.pdf
17. Santander and Visa Deliver Latin America's First End-to-End Payments Powered by AI Agents — Banco Santander, Mar 12, 2026. https://santander.com/en/press-room/press-releases/2026/03/santander-and-visa-deliver-latin-americas-first-end-to-end-payments-powered-by-ai-agents
18. ING deploys agentic AI to speed up mortgage decisions — Finextra, Jun 10, 2026. https://finextra.com/newsarticle/47885/ing-deploys-agentic-ai-to-speed-up-mortgage-decisions
19. FY 2025 Results (equity investor slides, February 2026) — NatWest Group plc, Feb 13, 2026. https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/ir-fy25-equity-slides.pdf
20. 2026 Annual Report — Commonwealth Bank of Australia, Aug 12, 2026. https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Annual-Report-print.pdf
21. Santander adds 12 million customers as underlying profit rises 15% to €7.3 billion in the first half — Banco Santander, Jul 22, 2026. https://santander.com/content/dam/santander-com/en/documentos/informacion-privilegiada/2026/07/hr-2026-07-22-second-quarter-2026-results-press-release-en.pdf
22. BBVA puts AI at the core of banking with OpenAI — OpenAI, Jun 11, 2026. https://openai.com/index/bbva/
23. Santander turns its AI-first strategy into measurable impact and extends AI access to all 185,000 employees — Banco Santander, Jun 22, 2026. https://santander.com/en/stories/santander-turns-its-ai-first-strategy-into-measurable-impact-and-extends-ai-access-to-all-185000-employees
24. CommBank and AWS expand collaboration to deliver global best cloud and AI capabilities, enabling idea to production in six weeks — Commonwealth Bank of Australia, Feb 5, 2025. https://commbank.com.au/articles/newsroom/2025/02/amazon-web-services-collaboration.html
25. Commonwealth Bank of Australia builds AI fluency at scale — OpenAI, Dec 9, 2025. https://openai.com/index/commonwealth-bank-of-australia
26. Reimagining banking with CommBank Companion — Commonwealth Bank of Australia, May 26, 2026. https://commbank.com.au/articles/newsroom/2026/05/commbank-companion.html
27. CBA 2026 Full Year Results Transcript — Commonwealth Bank of Australia, Aug 12, 2026. https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Full-Year-Results-Transcript.pdf
28. Lloyds Banking Group unveils Envoy - a new platform for building AI agents safely at scale — Lloyds Banking Group, May 1, 2026. https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/lloyds-banking-group-unveils-envoy.html
29. Lloyds Banking Group deploys agentic AI to strengthen real-time fraud protection — Lloyds Banking Group, Jun 8, 2026. https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/lloyds-banking-group-deploys-agentic-ai-to-strengthen-real-time-.html
30. Lloyds Banking Group one of the first UK organisations to deploy Microsoft 365: The Frontier Suite — Lloyds Banking Group, Jun 4, 2026. https://lloydsbankinggroup.com/assets/pdfs/media/press-releases/2026-press-releases/lloyds-banking-group/microsoft-365-frontier-suite.pdf
31. Lloyds Banking Group: Improving customer experience with machine learning (undated page, retrieved 2026-10-05) — Google Cloud, Oct 5, 2026. https://cloud.google.com/customers/lloydsbankinggroup
32. Technology Transformation (undated page, retrieved 2026-10-05) — Deutsche Bank, Oct 5, 2026. https://db.com/what-we-do/focus-topics/tech/index
33. Deutsche Bank's AI says it's coming for finance jobs — Finextra, Feb 23, 2026. https://finextra.com/newsarticle/47334/deutsche-banks-ai-says-its-coming-for-finance-jobs
34. Putting agentic AI to work in third party risk management — Deutsche Bank, May 13, 2026. https://www.db.com/news/detail/20260513-putting-agentic-ai-to-work-in-third-party-risk-management?language_id=1
35. How AI is reshaping the software behind everyday banking — Deutsche Bank, Jul 14, 2026. https://www.db.com/news/detail/20260714-how-ai-is-reshaping-the-software-behind-everyday-banking?language_id=1
36. Deutsche Bank estimates 30% uplift in client onboarding by deploying KYC AI — Finextra, Sep 23, 2026. https://finextra.com/newsarticle/48452/deutsche-bank-estimates-30-uplift-in-client-onboarding-by-deploying-kyc-ai
37. In the Clouds with... Deutsche Bank's Christian Rhino, CIO for private banking. — Google Cloud, Sep 14, 2026. https://cloud.google.com/transform/in-the-clouds-christian-rhino-deutsche-bank-financial-services-gen-ai-be-happy
38. Google Cloud launches AI platform for financial professionals — Finextra, Aug 26, 2026. https://finextra.com/newsarticle/48299/google-cloud-launches-ai-platform-for-financial-professionals
39. Deutsche Bank Expands AI Capabilities With Google Cloud's Gemini Enterprise — Bloomberg, Aug 25, 2026. https://bloomberg.com/news/articles/2026-08-25/deutsche-bank-accelerates-ai-adoption-with-new-google-service
40. BBVA and OpenAI collaborate to transform global banking — OpenAI, Dec 12, 2025. https://openai.com/index/bbva-collaboration-expansion/
41. BBVA and OpenAI Seal a Strategic Alliance to Redefine Banking with Artificial Intelligence — BBVA, Dec 12, 2025. https://www.bbva.com/en/innovation/bbva-and-openai-seal-a-strategic-alliance-to-redefine-banking-with-artificial-intelligence
42. BBVA deepens partnership with Google Cloud to innovate with AI — BBVA, Jul 2, 2025. https://bbva.com/en/innovation/bbva-deepens-partnership-with-google-cloud-to-innovate-with-ai
43. BBVA call centre staff develop and deploy AI agents to speed up response times — Finextra, Aug 4, 2026. https://finextra.com/newsarticle/48183/bbva-call-centre-staff-develop-and-deploy-ai-agents-to-speed-up-response-times
44. BBVA develops a new technology architecture with AWS to accelerate its AI solutions — BBVA, Jun 5, 2026. https://bbva.com/en/innovation/bbva-develops-a-new-technology-architecture-with-aws-to-accelerate-its-ai-solutions
45. BBVA deploys 'The Eight,' its strategy to transform the financial experience with AI — BBVA, Dec 12, 2025. https://www.bbva.com/en/innovation/bbva-deploys-the-eight-its-strategy-to-transform-the-financial-experience-with-ai/
46. BBVA Accelerates Its Artificial Intelligence Strategy With A Global Area: AI Transformation — BBVA, May 28, 2026. https://bbva.com/en/innovation/bbva-accelerates-its-artificial-intelligence-strategy-with-a-global-area-ai-transformation
47. NatWest Group first to unveil next generation of AI tools to help customers manage money and receive fraud support — NatWest Group, Sep 25, 2026. https://natwestgroup.com/news-and-insights/news-room/press-releases/2026/natwest-group-first-to-unveil-next-generation-of-ai-tools-to-hel.html
48. NatWest & OpenAI collaborate to accelerate cutting-edge AI transformation in support of bank-wide simplification and enhanced customer experience — NatWest Group, Mar 20, 2025. https://natwestgroup.com/news-and-insights/news-room/press-releases/ai-and-data/2025/mar/natwest-open-ai-collaborate-to-accelerate-cutting-edge-ai-transf.html
49. Deploying new generative AI technology to support our colleagues — NatWest Group, Apr 30, 2025. https://natwestgroup.com/news-and-insights/latest-stories/ai-and-data/2025/apr/deploying-new-generative-ai-technology-to-support-our-colleagues.html
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