# KeyCorp (KeyBank) competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/keybank/competitors
Last updated: Oct 19, 2026

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

## Who are KeyCorp (KeyBank)'s competitors, and what are the alternatives?

KeyCorp's 2025 10-K says its competitors 'primarily include national and super-regional banks as well as smaller community banks' in its 15 states, plus nonbanks from private credit funds and investment banks to fintechs and large technology companies. Line by line the named rivals are clearer. In middle-market commercial banking, KeyBank's core with about 4,600 clients in 27 markets, its commercial head measures Key against JPMorgan and Bank of America, built its Chicago team from Huntington bankers, and now faces Capital One, which Banking Dive reported in February 2026 is targeting the same midsize companies. In branch banking, M&T's December 2025 deck ranks KeyCorp ninth among Northeast banks with 409 branches, behind JPMorgan, Bank of America, M&T, TD, Citizens, Wells Fargo, PNC and Truist, and in Boston, where Key announced an expansion in September 2025, Bank of America holds 28% of deposits. In commercial cards, the real rivals are fintechs: American Banker reports that Ramp, Airwallex, Brex and Divvy are coming for banks' card clients, which is why Key launched Key Virtual Card with Qolo in April 2026. In consumer lending, its national digital brand Laurel Road refinances doctors' student loans in a market led by SoFi. ([KeyCorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/91576/000162828026010546/key-20251231.htm), [Banking Dive](https://www.bankingdive.com/news/keybank-commercial-banking-hires-middle-market/750702/), [Banking Dive](https://www.bankingdive.com/news/capital-one-commercial-bank-middle-market-blinde/812324/), [M&T Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/36270/000003627025000028/mtb_dec25xinvestorpresen.htm), [American Banker](https://www.americanbanker.com/news/why-boston-is-the-next-battleground-for-first-citizens), [American Banker](https://americanbanker.com/payments/news/keybank-to-stand-up-virtual-commercial-card-issuing), [The Financial Brand](https://thefinancialbrand.com/news/bank-marketing/inside-keybanks-new-strategy-national-digital-brand-laurel-road-123885))

## What does KeyBank say about its competition?

"The market for banking and related financial services is highly competitive and continuously evolving. Legislative, regulatory, economic, and technology changes, as well as consolidation within the financial services industry, could result in increased competition from new and existing market participants. Key competes with other providers of financial services, such as BHCs, commercial banks, savings associations, credit unions, mortgage banking companies, finance companies, mutual funds, insurance companies, investment management firms, private credit funds, investment banking firms, broker-dealers, financial technology companies, and other local, regional, national, and global institutions that offer financial services. Some of our competitors are larger and may have more financial resources, while some of our competitors enjoy fewer regulatory constraints and may have lower cost structures." ([KeyCorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/91576/000162828026010546/key-20251231.htm))

"The financial services industry has become more competitive as technology advances have lowered barriers to entry, enabling more companies, including nonbank companies, to provide financial services. Mergers and acquisitions have also led to increased concentration in the banking industry, placing added competitive pressure on Key's core banking products and services as we see competitors enter some of our markets or offer similar products. [...] Successfully competing in our markets also depends on our ability to invest in technology and infrastructure." (Form 10-K for 2025, Item 1, "Competition", filed February 23, 2026.) ([KeyCorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/91576/000162828026010546/key-20251231.htm))

Item 1A adds: "Our competitors primarily include national and super-regional banks as well as smaller community banks within the various geographic regions in which we operate. [...] In addition, technology has lowered barriers to entry and made it possible for nonbanks, including large technology companies, to offer products and services traditionally provided by banks." ([KeyCorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/91576/000162828026010546/key-20251231.htm))

## Who competes with KeyBank in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Middle-market commercial banking | [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Bank | KeyBank's commercial head, Ken Gavrity, positions Key against JPMorgan and Bank of America: they have every payments capability Key has, he said in June 2025, but delivering it to a $200 million-revenue company is hard; big banks are reaching for more middle-market business (Banking Dive). ([Banking Dive](https://www.bankingdive.com/news/keybank-commercial-banking-hires-middle-market/750702/)) |
| Middle-market commercial banking | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | Named with JPMorgan by Gavrity as the large banks Key competes with for middle-market clients on payments capability (Banking Dive, June 2025). ([Banking Dive](https://www.bankingdive.com/news/keybank-commercial-banking-hires-middle-market/750702/)) |
| Middle-market commercial banking | [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | Bank | KeyBank's Chicago middle-market team was hired from Ohio rival Huntington, Banking Dive reported in June 2025, citing Crain's Chicago Business. ([Banking Dive](https://www.bankingdive.com/news/keybank-commercial-banking-hires-middle-market/750702/)) |
| Middle-market commercial banking | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | Bank | Banking Dive (February 2026) reports that Capital One's commercial bank, with about 1% share, is focused on middle-market businesses, and names KeyBank among the $50 billion to $150 billion-asset regional banks that have targeted the same segment. ([Banking Dive](https://www.bankingdive.com/news/capital-one-commercial-bank-middle-market-blinde/812324/)) |
| Middle-market commercial banking | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | Bank | Named with KeyBank in the same Banking Dive report as a regional bank that has targeted middle-market growth. ([Banking Dive](https://www.bankingdive.com/news/capital-one-commercial-bank-middle-market-blinde/812324/)) |
| Branch banking in the Northeast and Boston | [M&T Bank](https://www.bankingnewsai.com/banks/mt-bank) | Bank | M&T's December 2025 investor deck ranks the Northeast and Mid-Atlantic banks by branches: M&T has 939 against KeyCorp's 409. ([M&T Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/36270/000003627025000028/mtb_dec25xinvestorpresen.htm)) |
| Branch banking in the Northeast and Boston | [Citizens Financial Group](https://www.bankingnewsai.com/banks/citizens) | Bank | Citizens has 834 Northeast branches in M&T's ranking, and with Bank of America and Santander US holds 47% of Boston-area deposits, the market KeyCorp said in September 2025 it would expand into (American Banker). ([M&T Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/36270/000003627025000028/mtb_dec25xinvestorpresen.htm), [American Banker](https://www.americanbanker.com/news/why-boston-is-the-next-battleground-for-first-citizens)) |
| Branch banking in the Northeast and Boston | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | Bank of America holds 28% of Boston-area deposits, where KeyBank had commercial banking but no retail branches when it announced its expansion in September 2025; it has 1,030 Northeast branches in M&T's ranking. ([American Banker](https://www.americanbanker.com/news/why-boston-is-the-next-battleground-for-first-citizens), [M&T Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/36270/000003627025000028/mtb_dec25xinvestorpresen.htm)) |
| Branch banking in the Northeast and Boston | [PNC](https://www.bankingnewsai.com/banks/pnc) | Bank | PNC has 684 Northeast branches in M&T's ranking, and American Banker names it among the banks pushing into Boston alongside KeyCorp. ([M&T Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/36270/000003627025000028/mtb_dec25xinvestorpresen.htm), [American Banker](https://www.americanbanker.com/news/why-boston-is-the-next-battleground-for-first-citizens)) |
| Commercial cards, payments and spend management | [Ramp](https://www.bankingnewsai.com/fintech/ramp) | Fintech | American Banker (April 2026) names Ramp first among the spend-management fintechs making aggressive moves to capture banks' corporate clients, the threat KeyBank answered with Key Virtual Card. ([American Banker](https://americanbanker.com/payments/news/keybank-to-stand-up-virtual-commercial-card-issuing)) |
| Commercial cards, payments and spend management | [Brex (Capital One)](https://www.bankingnewsai.com/fintech/brex) | Fintech | Brex, now owned by Capital One, is named with Ramp, Airwallex and Divvy as the modern players 'coming for' banks' commercial card customers, per Qolo's COO in American Banker. ([American Banker](https://americanbanker.com/payments/news/keybank-to-stand-up-virtual-commercial-card-issuing)) |
| Commercial cards, payments and spend management | [American Express](https://www.bankingnewsai.com/banks/american-express) | Bank | Keefe Bruyette & Woods analysts, quoted by American Banker, say pairing expense software with commercial cards helps banks stand apart from competitors with larger card portfolios such as American Express and Capital One. ([American Banker](https://americanbanker.com/payments/news/keybank-to-stand-up-virtual-commercial-card-issuing)) |
| Laurel Road: digital lending for healthcare professionals | [SoFi](https://www.bankingnewsai.com/banks/sofi) | Bank | The Financial Brand describes Laurel Road, the digital lender Key bought in 2019, as a student loan refinance business 'not nearly as big as market leader SoFi', with about 60% of balances in healthcare at acquisition. ([The Financial Brand](https://thefinancialbrand.com/news/bank-marketing/inside-keybanks-new-strategy-national-digital-brand-laurel-road-123885)) |
| KeyBanc Capital Markets and private credit | Private credit funds | Non-bank lender | KeyCorp's 10-K names private credit funds among its competitors, and notes that some competitors enjoy fewer regulatory constraints and lower cost structures. ([KeyCorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/91576/000162828026010546/key-20251231.htm)) |
| KeyBanc Capital Markets and private credit | Investment banking firms and broker-dealers | Broker or asset manager | The 10-K lists investment banking firms, broker-dealers and investment management firms among Key's competitors; KeyBanc Capital Markets provides its securities underwriting, investment banking and capital markets products. ([KeyCorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/91576/000162828026010546/key-20251231.htm)) |
| KeyBanc Capital Markets and private credit | Large technology companies | Big tech | Item 1A of the 10-K says technology has made it possible for nonbanks, 'including large technology companies', to offer products and services traditionally provided by banks. ([KeyCorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/91576/000162828026010546/key-20251231.htm)) |

## How do the AI and digital offerings of KeyBank's competitors compare?

KeyBank first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [KeyCorp (KeyBank) (this page)](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)) | [Index 80 (#21); 16 use cases, 10 in production](https://www.bankingnewsai.com/banks/keybank) | Gessner ranked No. 3 in American Banker's Most Powerful Women in Banking NEXT (Oct 1, 2026) ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-3-emily-gessner-keybank)) |
| [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | LLM Suite for about 250,000 employees. ([American Banker](https://www.americanbanker.com/news/how-jpmorganchase-democratized-employee-access-to-gen-ai)) | [Index 89 (#6); 15 use cases, 8 in production](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026) ([CNBC](https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870), [American Banker](https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents)) |
| [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | A generative-AI assistant in CashPro for corporate clients (September 2025). ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/press-releases/2025/09/bofa-s-new-genai-assistant-transforms-global-payments-solutions.html)) | [Index 97.3 (#1); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/bank-of-america) | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026) ([U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0657), [Office of the Comptroller of the Currency](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html), [Banking Dive](https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915)) |
| [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | 50 AI agents in production and more than 60 in development (April 2026). ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/)) | [Index 84.2 (#13); 17 use cases, 15 in production](https://www.bankingnewsai.com/banks/huntington) | Named a Coverbase enterprise customer (Sep 29, 2026) ([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)) |
| [Capital One](https://www.bankingnewsai.com/banks/capital-one) | Chat Concierge, a multi-agent assistant for car dealers (March 2025); generative models customised in-house. ([Capital One](https://www.capitalone.com/tech/ai/future-of-ai-car-dealerships-shopping), [Capital One](https://www.capitalone.com/digital/gai-transparency/)) | [Index 86.9 (#9); 13 use cases, 13 in production](https://www.bankingnewsai.com/banks/capital-one) | Second on the Evident AI index for a fourth year (Oct 6, 2026) ([American Banker](https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens), [Banking Dive](https://www.bankingdive.com/news/banks-ai-guardrails-accelerate/832216/)) |
| [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | Triangle of Fraud Protection and the enterprise AI programme ([American Banker](https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [American Banker](https://americanbanker.com/news/innovation-of-the-year-2025-meet-the-honorees), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1)) | [Index 71.8 (#32); 17 use cases, 16 in production](https://www.bankingnewsai.com/banks/western-alliance) | AI team first used to defend against Mythos (Sep 16, 2026) ([Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090)) |
| [M&T Bank](https://www.bankingnewsai.com/banks/mt-bank) | Microsoft Copilot for 16,000 of 22,000 employees (September 2025). ([American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai)) | [Index 75.5 (#28); 14 use cases, 10 in production](https://www.bankingnewsai.com/banks/mt-bank) | Rajwani on AI agents and deposit runs (Oct 1, 2026) ([American Banker](https://americanbanker.com/news/ai-agent-bank-runs-possible-but-unlikely-experts-say)) |
| [Citizens Financial Group](https://www.bankingnewsai.com/banks/citizens) | CiZi, the in-app assistant, credited with a 44% drop in call volume. ([American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking)) | [Index 85.3 (#11); 20 use cases, 10 in production](https://www.bankingnewsai.com/banks/citizens) | Q4 2026 Business Pulse: small-business AI spending rising (Sep 29, 2026) ([Citizens (Business Wire via Yahoo Finance)](https://finance.yahoo.com/small-business/articles/citizens-q4-2026-business-pulse-110000359.html)) |
| [PNC](https://www.bankingnewsai.com/banks/pnc) | About 115 AI agents built its new mobile app (July 2026). ([Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/)) | [Index 68.2 (#38); 14 use cases, 8 in production](https://www.bankingnewsai.com/banks/pnc) | Head of ATM Banking hired with an AI mandate (Sep 25, 2026) ([Columbus Business First (bizjournals.com)](https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson)) |
| [Ramp](https://www.bankingnewsai.com/fintech/ramp) | Ramp agents review expenses against policy (July 2025); accounts-payable agents followed. ([Ramp](https://ramp.com/blog/ramp-agents-announcement), [Ramp](https://ramp.com/blog/ramp-ap-agents-announcement)) | [10 use cases, 5 in production](https://www.bankingnewsai.com/fintech/ramp) | $1.85 billion at a $60 billion valuation (Oct 15, 2026) ([TechCrunch](https://techcrunch.com/2026/10/15/ramp-reaches-60b-valuation-as-it-pushes-deeper-into-ai), [Ramp via PR Newswire](https://www.prnewswire.com/news-releases/ramp-reaches-60-billion-valuation-as-annualized-revenue-tops-2-billion-302909315.html)) |
| [Brex (Capital One)](https://www.bankingnewsai.com/fintech/brex) | Brex AI agents for expenses, review, audit and accounting. ([American Banker](https://www.americanbanker.com/payments/news/capital-one-closes-brex-acquisition), [Brex](https://www.brex.com/journal/press/brex-helps-power-open-ai-global-spend-and-financial-operations), [Brex via PR Newswire](https://www.prnewswire.com/news-releases/brex-gives-every-employee-an-expense-assistant-with-ai-301931043.html)) | [7 use cases, 7 in production](https://www.bankingnewsai.com/fintech/brex) | Coding agents migrate 180 microservices (Jul 22, 2026) ([Brex](https://www.brex.com/journal/agent-automations-for-big-migrations)) |
| [American Express](https://www.bankingnewsai.com/banks/american-express) | Hypercard, an agentic expense-management company, acquired in April 2026 to build agentic tools for its commercial business. ([American Express via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604160915BIZWIRE_USPRX____20260415_BW433431-1)) | [Index 93.1 (#3); 24 use cases, 13 in production](https://www.bankingnewsai.com/banks/american-express) | Intent Intelligence framework published (Oct 13, 2026) ([American Express via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202610130930BIZWIRE_USPRX____20261013_BW636634-1), [TechCrunch](https://techcrunch.com/2026/10/13/amex-introduces-a-framework-to-prevent-ai-agents-from-making-unauthorized-purchases)) |
| [SoFi](https://www.bankingnewsai.com/banks/sofi) | SoFi Coach, a chat-based AI financial guide for members (2026). ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1)) | [Index 80.4 (#20); 17 use cases, 14 in production](https://www.bankingnewsai.com/banks/sofi) | SoFiUSD settlement live on Mastercard (Sep 22, 2026) ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202609220800BIZWIRE_USPRX____20260922_BW545634-1)) |
| Private credit funds | Not disclosed | No profile | Not disclosed |
| Investment banking firms and broker-dealers | Not disclosed | No profile | Not disclosed |
| Large technology companies | Not disclosed | No profile | Not disclosed |

## Who should look beyond KeyBank, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Customers who want branches beyond KeyBank's 15 states | [A national bank such as JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | KeyBank had 940 full-service branches in 15 states at December 31, 2025. JPMorgan Chase Bank's 10-K describes U.S. branches in 48 states and Washington, D.C. ([KeyCorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/91576/000162828026010546/key-20251231.htm), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm)) |
| Customers who want an AI assistant in the banking app today | [Truist (Truist Assist) or Fifth Third (Jeanie)](https://www.bankingnewsai.com/banks/truist) | KeyBank's conversational assistant was still in 2027 funding talks in June 2026. Truist Assist resolved 81% of inquiries in the third quarter of 2025, and Fifth Third's Jeanie, named best chatbot of 2026 by Tearsheet, handles all intents in English and Spanish. ([Banking Dive](https://www.bankingdive.com/news/keybank-digital-banking-regionals-ai-insights-personetics/823541/), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm), [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [Investing.com](https://investing.com/news/transcripts/fifth-third-at-barclays-conference-comerica-deal-lifts-growth-plans-93CH-4901613)) |
| Finance teams that want spend-management software first and a bank second | [Ramp](https://www.bankingnewsai.com/fintech/ramp) | American Banker reports that spend-management fintechs such as Ramp, Airwallex and Brex are pursuing banks' corporate clients; KeyBank's answer is Key Virtual Card with Qolo (April 2026). Ramp sells AI agents for expense review and accounts payable; Brex now belongs to Capital One. ([American Banker](https://americanbanker.com/payments/news/keybank-to-stand-up-virtual-commercial-card-issuing), [Ramp](https://ramp.com/blog/ramp-agents-announcement)) |
| Borrowers refinancing student loans outside healthcare | [SoFi](https://www.bankingnewsai.com/banks/sofi) | Laurel Road, Key's national digital brand, refocused on healthcare professionals after the 2019 acquisition, and The Financial Brand describes SoFi as the market leader in student loan refinancing. ([The Financial Brand](https://thefinancialbrand.com/news/bank-marketing/inside-keybanks-new-strategy-national-digital-brand-laurel-road-123885)) |
| Large corporations that need a global bank | [JPMorgan Chase or Bank of America](https://www.bankingnewsai.com/banks/jpmorgan-chase) | KeyBank serves about 4,600 middle-market clients and positions itself as small enough to deliver through one team; its commercial head concedes JPMorgan and Bank of America have every payments capability Key has and more scale. ([Banking Dive](https://www.bankingdive.com/news/keybank-commercial-banking-hires-middle-market/750702/)) |

## Where does KeyBank rank among Northeast banks by branches?

Top banks by number of branches in the Northeast and Mid-Atlantic states, from M&T's December 2025 investor presentation (S&P Global Market Intelligence, FDIC Summary of Deposits). KeyCorp's full network is 940 branches in 15 states.

| Rank | Bank | Northeast branches |
| --- | --- | --- |
| 1 | JPMorgan Chase | 1,214 ([M&T Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/36270/000003627025000028/mtb_dec25xinvestorpresen.htm)) |
| 2 | Bank of America | 1,030 ([M&T Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/36270/000003627025000028/mtb_dec25xinvestorpresen.htm)) |
| 3 | M&T Bank | 939 ([M&T Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/36270/000003627025000028/mtb_dec25xinvestorpresen.htm)) |
| 5 | Citizens Financial Group | 834 ([M&T Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/36270/000003627025000028/mtb_dec25xinvestorpresen.htm)) |
| 7 | PNC Financial Services | 684 ([M&T Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/36270/000003627025000028/mtb_dec25xinvestorpresen.htm)) |
| 8 | Truist Financial | 613 ([M&T Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/36270/000003627025000028/mtb_dec25xinvestorpresen.htm)) |
| 9 | KeyCorp | 409 ([M&T Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/36270/000003627025000028/mtb_dec25xinvestorpresen.htm), [KeyCorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/91576/000162828026010546/key-20251231.htm)) |

## How does KeyBank's middle-market business compare with its rivals'?

Scale and positioning as reported by Banking Dive in June 2025 (KeyBank) and February 2026 (Capital One); the large banks are described by KeyBank's commercial head.

| Bank | Middle-market scale or position | How it competes | Reported |
| --- | --- | --- | --- |
| KeyCorp (KeyBank) | About 4,600 middle-market clients across 27 markets; with commercial payments, about $2 billion of annual revenue | Large enough to have every capability, small enough to deliver through one team; bankers paid to deliver 'the whole bank' | June 2025 ([Banking Dive](https://www.bankingdive.com/news/keybank-commercial-banking-hires-middle-market/750702/)) |
| Capital One | Commercial bank with about 1% market share, focused on companies with $25 million to $2 billion of revenue | Moving into the middle market as the largest banks move upmarket | February 2026 ([Banking Dive](https://www.bankingdive.com/news/capital-one-commercial-bank-middle-market-blinde/812324/)) |
| JPMorgan Chase and Bank of America | Every payments capability Key has, per Gavrity | Big banks reaching for more middle-market business | June 2025 ([Banking Dive](https://www.bankingdive.com/news/keybank-commercial-banking-hires-middle-market/750702/)) |
| Huntington Bancshares | Ohio rival whose bankers formed Key's Chicago team | Regional banks bolstering middle-market teams | June 2025 ([Banking Dive](https://www.bankingdive.com/news/keybank-commercial-banking-hires-middle-market/750702/)) |
| Western Alliance | $50 billion to $150 billion-asset regional bank targeting middle-market growth | Named with KeyBank as a regional that stepped in as the biggest banks moved upmarket | February 2026 ([Banking Dive](https://www.bankingdive.com/news/capital-one-commercial-bank-middle-market-blinde/812324/)) |

## Who competes with KeyBank for commercial card and spend-management clients?

The rivals American Banker and its sources named when KeyBank launched Key Virtual Card in April 2026.

| Rival | Type | Named by | AI on the record |
| --- | --- | --- | --- |
| Ramp | Spend-management fintech | American Banker | Expense-review and accounts-payable agents ([American Banker](https://americanbanker.com/payments/news/keybank-to-stand-up-virtual-commercial-card-issuing), [Ramp](https://ramp.com/blog/ramp-agents-announcement)) |
| Brex | Spend-management fintech, owned by Capital One | American Banker; Qolo's COO | Expense, review, audit and accounting agents ([American Banker](https://americanbanker.com/payments/news/keybank-to-stand-up-virtual-commercial-card-issuing), [American Banker](https://www.americanbanker.com/payments/news/capital-one-closes-brex-acquisition)) |
| Airwallex | Spend-management fintech | American Banker | Not on this site's record ([American Banker](https://americanbanker.com/payments/news/keybank-to-stand-up-virtual-commercial-card-issuing)) |
| Divvy | Spend-management fintech | Qolo's COO | Not on this site's record ([American Banker](https://americanbanker.com/payments/news/keybank-to-stand-up-virtual-commercial-card-issuing)) |
| American Express and Capital One | Card issuers with larger portfolios | Keefe Bruyette & Woods analysts | Amex Hypercard acquisition; Capital One's Brex ([American Banker](https://americanbanker.com/payments/news/keybank-to-stand-up-virtual-commercial-card-issuing), [American Express via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604160915BIZWIRE_USPRX____20260415_BW433431-1)) |

## Common questions

### Who are KeyBank's biggest competitors?

By its 10-K, national and super-regional banks and community banks in its 15 states, plus private credit funds, investment banks, broker-dealers, fintechs and large technology companies. By name: JPMorgan, Bank of America, Huntington and Capital One in middle-market banking; M&T, Citizens, Bank of America and PNC for Northeast branch customers; Ramp and Brex in commercial cards; SoFi in student loan refinancing. ([KeyCorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/91576/000162828026010546/key-20251231.htm), [Banking Dive](https://www.bankingdive.com/news/keybank-commercial-banking-hires-middle-market/750702/), [Banking Dive](https://www.bankingdive.com/news/capital-one-commercial-bank-middle-market-blinde/812324/), [M&T Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/36270/000003627025000028/mtb_dec25xinvestorpresen.htm), [American Banker](https://americanbanker.com/payments/news/keybank-to-stand-up-virtual-commercial-card-issuing), [The Financial Brand](https://thefinancialbrand.com/news/bank-marketing/inside-keybanks-new-strategy-national-digital-brand-laurel-road-123885))

### Does KeyBank compete with Huntington?

Yes. Both are Ohio-based superregionals, and Banking Dive reported in June 2025 that KeyBank built its new Chicago middle-market team from Huntington bankers. On this site's AI index Huntington scores 84.2 and KeyBank 80; Huntington runs 50 AI agents in production, while KeyBank's distinctive AI is in its contact centre. ([Banking Dive](https://www.bankingdive.com/news/keybank-commercial-banking-hires-middle-market/750702/), [Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/))

### Is Ramp a competitor of KeyBank?

In commercial cards and spend management, yes. American Banker reported in April 2026 that Ramp, Airwallex and Brex have been making aggressive moves to capture banks' corporate clients, and KeyBank's head of commercial cards said the balance of power has shifted to businesses that expect their bank to operate on their terms; Key launched Key Virtual Card with Qolo in response. ([American Banker](https://americanbanker.com/payments/news/keybank-to-stand-up-virtual-commercial-card-issuing))

### KeyBank vs M&T: which is bigger in the Northeast?

M&T, by branches. Its December 2025 investor deck ranks M&T third among Northeast and Mid-Atlantic banks with 939 branches and KeyCorp ninth with 409; KeyCorp's whole network is 940 branches in 15 states. On AI, both give staff Microsoft Copilot; KeyBank scores 80 on this site's index and M&T 75.5. ([M&T Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/36270/000003627025000028/mtb_dec25xinvestorpresen.htm), [KeyCorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/91576/000162828026010546/key-20251231.htm), [Investing.com](https://za.investing.com/news/stock-market-news/keycorp-at-barclays-conference-growth-margin-gains-in-focus-93CH-4463954), [American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai))

### Who competes with KeyBank for middle-market companies?

JPMorgan and Bank of America, which KeyBank's commercial head says have every payments capability Key has; Huntington, whose bankers staffed Key's Chicago team; and Capital One, whose commercial bank is now focused on midsize companies, per Banking Dive in February 2026. Key serves about 4,600 middle-market clients across 27 markets. ([Banking Dive](https://www.bankingdive.com/news/keybank-commercial-banking-hires-middle-market/750702/), [Banking Dive](https://www.bankingdive.com/news/capital-one-commercial-bank-middle-market-blinde/812324/))

### What are alternatives to KeyBank's Laurel Road?

Laurel Road, which Key acquired in 2019, refinances student loans and focuses on healthcare professionals; The Financial Brand describes SoFi as the market leader in student loan refinancing. SoFi also offers SoFi Coach, a chat-based AI financial guide for its members. ([The Financial Brand](https://thefinancialbrand.com/news/bank-marketing/inside-keybanks-new-strategy-national-digital-brand-laurel-road-123885), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1))

### Does Capital One compete with KeyBank?

In middle-market commercial banking, increasingly. Banking Dive reported in February 2026 that Capital One's commercial bank, with about 1% market share, is focusing on midsize companies, and named KeyBank and Western Alliance as regional banks that have targeted the same segment. In commercial cards, Capital One also owns Brex, one of the spend-management fintechs American Banker says are pursuing banks' corporate clients. ([Banking Dive](https://www.bankingdive.com/news/capital-one-commercial-bank-middle-market-blinde/812324/), [American Banker](https://americanbanker.com/payments/news/keybank-to-stand-up-virtual-commercial-card-issuing))

### How does KeyBank use AI against fraud compared with peers?

KeyBank runs fraud and anti-money-laundering on NiCE Actimize's X-Sight AI platform, fully live since June 2025, and a generative-AI AML screening pilot cut investigations from several hours to 15 to 20 minutes. Its chief risk officer aims for AI to handle routine alert investigations with humans checking the output. Truist's 2025 10-K lists fraud identification among its AI uses. ([NiCE Actimize (Business Wire)](https://www.businesswire.com/news/home/20250612909609/en/NiCE-Actimize-X-Sight-AI-Enterprise-Platform-Increases-Modernization-of-KeyBanks-Financial-Crime-Operations), [Bank Automation News](https://bankautomationnews.com/allposts/ai/keybank-identifies-40-ai-proofs-of-concept), [The Wall Street Journal (Deloitte CIO Journal)](https://deloitte.wsj.com/cio/keybank-the-era-of-the-digital-cro-is-here-38e965db), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm))

### Is KeyBank expanding into new markets?

In commercial banking and Boston. KeyBank added middle-market teams in Chicago and Southern California in late 2024 and targeted 170 to 180 commercial bankers by end-2025; CEO Chris Gorman called Boston a high-priority market in September 2025, when Key announced plans to expand there; it had commercial banking but no retail branches in the area (American Banker). ([Banking Dive](https://www.bankingdive.com/news/keybank-commercial-banking-hires-middle-market/750702/), [American Banker](https://www.americanbanker.com/news/why-boston-is-the-next-battleground-for-first-citizens))

## Peers on this site

- [Huntington Bancshares AI strategy](https://www.bankingnewsai.com/banks/huntington) · [vs peers](https://www.bankingnewsai.com/banks/huntington/vs-peers)
- [Fifth Third Bancorp AI strategy](https://www.bankingnewsai.com/banks/fifth-third) · [vs peers](https://www.bankingnewsai.com/banks/fifth-third/vs-peers)
- [Citizens Financial Group AI strategy](https://www.bankingnewsai.com/banks/citizens) · [vs peers](https://www.bankingnewsai.com/banks/citizens/vs-peers)
- [M&T Bank AI strategy](https://www.bankingnewsai.com/banks/mt-bank) · [vs peers](https://www.bankingnewsai.com/banks/mt-bank/vs-peers)
- [Regions Financial AI strategy](https://www.bankingnewsai.com/banks/regions) · [vs peers](https://www.bankingnewsai.com/banks/regions/vs-peers)
- [PNC Financial Services AI strategy](https://www.bankingnewsai.com/banks/pnc) · [vs peers](https://www.bankingnewsai.com/banks/pnc/vs-peers)
- [Truist Financial AI strategy](https://www.bankingnewsai.com/banks/truist) · [vs peers](https://www.bankingnewsai.com/banks/truist/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)

## Sources

1. KeyCorp Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — KeyCorp (SEC filings), Feb 23, 2026. https://www.sec.gov/Archives/edgar/data/91576/000162828026010546/key-20251231.htm
2. KeyBank wants to boost commercial team hires by 10% this year — Banking Dive, Jun 13, 2025. https://www.bankingdive.com/news/keybank-commercial-banking-hires-middle-market/750702/
3. Capital One's commercial bank zeroes in on middle market — Banking Dive, Feb 17, 2026. https://www.bankingdive.com/news/capital-one-commercial-bank-middle-market-blinde/812324/
4. M&T Bank Corporation investor presentation, December 2025 (Form 8-K, Exhibit 99.1) — M&T Bank (SEC filings), Dec 9, 2025. https://www.sec.gov/Archives/edgar/data/36270/000003627025000028/mtb_dec25xinvestorpresen.htm
5. Why Boston is the next battleground for First Citizens — American Banker, Nov 28, 2025. https://www.americanbanker.com/news/why-boston-is-the-next-battleground-for-first-citizens
6. KeyBank adds virtual commerce cards to ward off fintechs — American Banker, Apr 14, 2026. https://americanbanker.com/payments/news/keybank-to-stand-up-virtual-commercial-card-issuing
7. Inside KeyBank's New Strategy for Its National Digital Brand — The Financial Brand, Oct 18, 2021. https://thefinancialbrand.com/news/bank-marketing/inside-keybanks-new-strategy-national-digital-brand-laurel-road-123885
8. KeyBank Taps $100 Million Increase in Technology Spend (AI calls at $0.25 vs $9) — PYMNTS, Jan 23, 2026. https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/
9. KeyBank bets on relationships over tech budgets — Banking Dive, Jun 23, 2026. https://www.bankingdive.com/news/keybank-digital-banking-regionals-ai-insights-personetics/823541/
10. How KeyBank is creating 'cognitive banking' with AI — American Banker, Aug 1, 2025. https://americanbanker.com/news/how-keybank-is-creating-cognitive-banking-with-ai
11. The Most Powerful Women in Banking NEXT, #3, Emily Gessner, KeyBank — American Banker, Oct 1, 2026. https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-3-emily-gessner-keybank
12. How JPMorganChase democratized employee access to gen AI — American Banker, May 22, 2025. https://www.americanbanker.com/news/how-jpmorganchase-democratized-employee-access-to-gen-ai
13. JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts — CNBC, Oct 13, 2026. https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html
14. JPMorgan CEO Dimon warns customers of 'liability transfer' with AI — Banking Dive, Oct 13, 2026. https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870
15. JPMorgan warns of risks to consumers who rely on AI agents — American Banker, Oct 13, 2026. https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents
16. BofA's New GenAI Assistant Transforms Global Payments Solutions — Bank of America Newsroom, Sep 30, 2025. https://newsroom.bankofamerica.com/content/newsroom/press-releases/2025/09/bofa-s-new-genai-assistant-transforms-global-payments-solutions.html
17. U.S. Treasury Announces Record Enforcement Actions Against Bank of America — U.S. Department of the Treasury, Oct 13, 2026. https://home.treasury.gov/news/press-releases/sb0657
18. OCC Imposes $750 Million Assessment Against Bank of America for Deficient BSA/AML Compliance — Office of the Comptroller of the Currency, Oct 13, 2026. https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html
19. BofA fined $1.21 billion over AML — Banking Dive, Oct 13, 2026. https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915
20. At Huntington Bancshares, the CFO is also the AI strategist — Fortune, Apr 24, 2026. https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/
21. Coverbase Adds Third-Party Risk Veterans as Enterprise Adoption Accelerates — Coverbase (GlobeNewswire), Sep 29, 2026. https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html
22. AI for Car Dealerships: Smarter Car Shopping — Capital One, Mar 5, 2025. https://www.capitalone.com/tech/ai/future-of-ai-car-dealerships-shopping
23. GAI Training Data Transparency Disclosure — Capital One, Sep 24, 2026. https://www.capitalone.com/digital/gai-transparency/
24. JPMorganChase still tops AI ranking as big-bank lead widens — American Banker, Oct 6, 2026. https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens
25. Banks prioritize responsible AI, governance as use soars — Banking Dive, Oct 6, 2026. https://www.bankingdive.com/news/banks-ai-guardrails-accelerate/832216/
26. How Truist and Western Alliance deploy AI to fight fraud — American Banker, Jun 4, 2025. https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud
27. 2025 Digital Payments in Class Actions and Mass Torts — Western Alliance Bank, Apr 4, 2025. https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf
28. Innovation of the Year 2025: Meet the honorees — American Banker, May 6, 2025. https://americanbanker.com/news/innovation-of-the-year-2025-meet-the-honorees
29. Western Alliance Bank Launches WA VenueX — Always-On Institutional Liquidity Hub and Financial Platform for the On-Chain Economy — Business Wire via FT Markets, Jul 24, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1
30. Western Alliance at Barclays Conference: shift to profits, buybacks (transcript) — Investing.com, Sep 16, 2026. https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090
31. How M&T Bank ensures data quality as it implements gen AI — American Banker, Sep 18, 2025. https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai
32. AI agent bank runs possible but unlikely, experts say — American Banker, Oct 1, 2026. https://americanbanker.com/news/ai-agent-bank-runs-possible-but-unlikely-experts-say
33. Citizens Financial's Michael Ruttledge is #43 on the Most Innovative People in Finance ranking — American Banker, Jun 1, 2026. https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking
34. Citizens Q4 2026 Business Pulse Finds Rising Small Business Optimism Amid Steady Hiring and Increased AI Spending — Citizens (Business Wire via Yahoo Finance), Sep 29, 2026. https://finance.yahoo.com/small-business/articles/citizens-q4-2026-business-pulse-110000359.html
35. PNC's new mobile banking app built on personalization — Banking Dive, Jul 8, 2026. https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/
36. Mark Williamson hired as Head of ATM Banking — Columbus Business First (bizjournals.com), Sep 25, 2026. https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson
37. Ramp agents: Let finance teams do finance — Ramp, Jul 9, 2025. https://ramp.com/blog/ramp-agents-announcement
38. AP just became autonomous — Ramp, Oct 7, 2025. https://ramp.com/blog/ramp-ap-agents-announcement
39. Ramp reaches $60B valuation as it pushes deeper into AI — TechCrunch, Oct 15, 2026. https://techcrunch.com/2026/10/15/ramp-reaches-60b-valuation-as-it-pushes-deeper-into-ai
40. Ramp Reaches $60 Billion Valuation as Annualized Revenue Tops $2 Billion — Ramp via PR Newswire, Oct 15, 2026. https://www.prnewswire.com/news-releases/ramp-reaches-60-billion-valuation-as-annualized-revenue-tops-2-billion-302909315.html
41. Capital One pushes deeper into AI, business payments — American Banker, Apr 8, 2026. https://www.americanbanker.com/payments/news/capital-one-closes-brex-acquisition
42. Brex Helps Power OpenAI Global Spend and Financial Operations — Brex, Mar 18, 2026. https://www.brex.com/journal/press/brex-helps-power-open-ai-global-spend-and-financial-operations
43. Brex Gives Every Employee an Expense Assistant With AI — Brex via PR Newswire, Sep 19, 2023. https://www.prnewswire.com/news-releases/brex-gives-every-employee-an-expense-assistant-with-ai-301931043.html
44. Agent automations for big migrations: How we accelerated framework upgrades by 32x with Cursor — Brex, Jul 22, 2026. https://www.brex.com/journal/agent-automations-for-big-migrations
45. American Express to Acquire Hyper, Adding to Its AI Expertise and Expense Management Capabilities — American Express via FT Markets, Apr 16, 2026. https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604160915BIZWIRE_USPRX____20260415_BW433431-1
46. American Express Publishes Intent Intelligence Framework for Trusted Agentic Commerce — American Express via FT Markets, Oct 13, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202610130930BIZWIRE_USPRX____20261013_BW636634-1
47. Amex introduces a framework to prevent AI agents from making unauthorized purchases — TechCrunch, Oct 13, 2026. https://techcrunch.com/2026/10/13/amex-introduces-a-framework-to-prevent-ai-agents-from-making-unauthorized-purchases
48. Introducing SoFi Coach: An AI-Powered Financial Guide to Help Members Get Their Money Right — Business Wire via FT Markets, Jun 2, 2026. https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1
49. SoFi Becomes First National Bank to Go Live with Stablecoin Settlement across Mastercard's Global Payments Network — Business Wire via FT Markets, Sep 22, 2026. https://markets.ft.com/data/announce/full?dockey=600-202609220800BIZWIRE_USPRX____20260922_BW545634-1
50. JPMorgan Chase & Co. Annual Report on Form 10-K for the year ended December 31, 2025 — JPMorgan Chase & Co. (SEC filings), Feb 13, 2026. https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm
51. Exhibit 99.3: Third quarter 2025 earnings presentation (Form 8-K) — Truist Financial (SEC filing), Oct 17, 2025. https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm
52. Fifth Third's Jeanie Named Best Chatbot by Tearsheet AI Innovation Awards — Fifth Third, Aug 12, 2026. https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html
53. Fifth Third at Barclays conference: Comerica deal lifts growth plans (transcript) — Investing.com, Sep 15, 2026. https://investing.com/news/transcripts/fifth-third-at-barclays-conference-comerica-deal-lifts-growth-plans-93CH-4901613
54. KeyCorp at Barclays conference: growth, margin gains in focus (conference transcript) — Investing.com, Sep 14, 2026. https://za.investing.com/news/stock-market-news/keycorp-at-barclays-conference-growth-margin-gains-in-focus-93CH-4463954
55. NiCE Actimize X-Sight AI Enterprise Platform Increases Modernization of KeyBank's Financial Crime Operations — NiCE Actimize (Business Wire), Jun 12, 2025. https://www.businesswire.com/news/home/20250612909609/en/NiCE-Actimize-X-Sight-AI-Enterprise-Platform-Increases-Modernization-of-KeyBanks-Financial-Crime-Operations
56. KeyBank identifies 40 AI proofs of concept — Bank Automation News, Aug 14, 2025. https://bankautomationnews.com/allposts/ai/keybank-identifies-40-ai-proofs-of-concept
57. KeyBank: The Era of the Digital CRO Is Here — The Wall Street Journal (Deloitte CIO Journal), Feb 19, 2026. https://deloitte.wsj.com/cio/keybank-the-era-of-the-digital-cro-is-here-38e965db
58. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Truist Financial (SEC filing), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm

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