What technology stack does KeyBank run its AI on?
KeyBank runs on Google Cloud. According to Google, it began moving its data warehouse and fintech acquisitions there in 2018; in 2019 its CTO said it had joined the Anthos early-access program to extend containers and Kubernetes to more than 300 internal applications, 95% of them on VMware; and in 2020 its chief data officer described replacing a Teradata warehouse holding more than 30 petabytes with BigQuery, processing more than four billion records a day with 3 to 4 times faster queries. Then-CIO Amy Brady, who led a 5,000-person technology, operations and services group, set a goal in 2022 of moving the majority of products and services to Google Cloud by 2025. The contact centre runs on UJET's Google Cloud-based platform. For AI, every employee has Microsoft Copilot, with an internal retrieval-augmented generation platform and Copilot Studio agents, and engineers piloted Gemini CLI, which per Google cut a three-month project to five days. Technology spending is about $1 billion a year; the share for AI and the cloud bill are not disclosed.[1][2][3][4][5][6][7][8]
Data as of Oct 16, 2026 · KeyBank profile updated Oct 13, 2026 · 23 sources cited on this page · 140 banks profiled on this site · Markdown
What are the layers of KeyBank's technology stack?
Each layer as KeyBank or its vendors describe it. Vendor-published pages are attributed to the vendor.
| Layer | What KeyBank uses | Detail | Source date |
|---|---|---|---|
| Cloud | Google Cloud | Data warehouse and fintech acquisitions moved from 2018, per Google; goal of most products and services on Google Cloud by 2025 | 2022; 2026[1][4] |
| Containers | Kubernetes and Anthos | Kubernetes on premises for online banking for several years; Anthos early access to reach 300-plus internal applications, 95% on VMware | August 15, 2019[2] |
| Data warehouse | BigQuery (replacing Teradata and Hadoop) | More than four billion records a day to more than 40 downstream systems; 30-plus petabytes in Teradata; Snowflake also tested; 3 to 4 times faster queries | July 16, 2020[3] |
| Analytics users | SAS and Tableau | About 400 SAS users, 4,000 Tableau users and more than 200 SAS models at the time of the move | July 16, 2020[3] |
| Contact centre | UJET (Google Cloud-based CCaaS) | Agent call volumes down 15%, digital chat up 50%, running cost down about 10%; KeyBank holds equity in UJET | August 15, 2025[5] |
| Employee AI | Microsoft Copilot, internal RAG platform, Copilot Studio agents | Copilot for everyone in the building; RAG answers from approved corpora | 2026[6][7] |
| Developer AI | Gemini CLI (pilot) | Per Google: a three-month Java meta-framework built in five days; 680 hours of manual work cut to 13; JDK 8 to JDK 21 migration with generated unit tests; enterprise rollout planned | 2026[1] |
| Fraud and AML | NiCE Actimize X-Sight (SaaS) | Integrated fraud management, ActOne case management and X-Sight Enterprise AML with CDD | June 12, 2025[9] |
| Customer insights | Personetics Cognitive Banking | Enriched transactions live April 2026; Engage insights in pilot | 2025-2026[10][11] |
Who runs KeyBank's technology organisation?
Amy Brady was CIO from 2012 until she resigned for health reasons in March 2026; in 2022 she led a team of 5,000 covering technology, operations, data, servicing, cyber and physical security, contact centres and procurement, and said 'in some ways, the technology is the easy part'.[4][12]
CFO Clark Khayat took over technology and operations, and by September 2026 had moved operations into the lines of business. The 2024 technology division budget was $1.5 billion of expense with 4,524 employees, per American Banker.[13][6][14]
Joseph Steinbrenner, technical lead for the Card Technology Engineering team, ran the Gemini CLI proof of concept and says 'AI can be a powerful assistant' but 'cannot replace the human element of engineering'.[1]
What does the KeyBank profile record on this topic?
The rows below are the entries of the KeyBank AI strategy profile that bear on this page, as of Oct 13, 2026; the profile holds the full record of 34 dated moves, 16 use cases and 48 sources.
| Use case | What the record shows | Status | Source |
|---|---|---|---|
| NiCE Actimize X-Sight AI platform for fraud and AML | Integrated fraud management, ActOne case management and X-Sight Enterprise AML with CDD, fully live on the SaaS platform. | In production | [9] |
| UJET cloud contact centre with AI capabilities | Google Cloud-based contact-centre-as-a-service; KeyBank is a strategic partner and equity investor. | In production | [5] |
| AI to accelerate credit decisioning | One of four AI themes the CEO set out for 2026, alongside client experience, technology productivity and risk and security monitoring. | Announced | [8][15] |
| Microsoft Copilot, internal RAG platform and Copilot Studio agents | Copilot available to all employees; an internal retrieval-augmented generation platform answers questions from approved corpora with sourced answers; enterprise agents built in Copilot Studio. | In production | [7][6] |
| Google Cloud data platform | Analytics warehouse on BigQuery and applications migrated to Google Cloud under a programme that was due to finish in 2025; the contact-centre platform (UJET) also runs on Google Cloud. | In production | [16][5] |
| Date | Move | Detail | Source |
|---|---|---|---|
| Sep 14, 2026 | Barclays conference: Copilot for everyone, operations moved to the businesses | Khayat says all employees have Copilot, operations now sit with the lines of business, and the bank is looking for end-to-end AI efficiencies; the technology budget is about $1 billion. | [6] |
| Aug 31, 2026 | Khayat titled CFO and Head of Technology | KeyCorp hires Chris Doll as chief strategy officer and deputy CFO reporting to Khayat; the release gives Khayat the title Head of Technology. | [17] |
| Jul 21, 2026 | Q2 2026 call: no AI programme update | Prepared remarks cite investment in people and technology only; Gorman's sole AI reference is to power-infrastructure demand behind lending to larger clients. | [18] |
| May 29, 2026 | Investor deck: AI integration in wealth tools | Wealth priorities include digital client-facing tools 'and AI integration'; the planned technology budget is about $1 billion, up about $200 million from 2024. | [19] |
| Apr 16, 2026 | Q1 2026 call: four AI themes; CFO formally leads technology and operations | About $1 billion of technology spend this year; AI aimed at client experience, credit decisioning, technology productivity and risk and security monitoring; the CEO sees 'huge opportunity' for AI with 1.15 million mass-affluent households. | [8] |
| Mar 2, 2026 | CIO Amy Brady resigns | Health reasons; CFO Clark Khayat takes over the technology and operations function. | [13][20] |
| Jan 20, 2026 | AI calls at $0.25 versus $9 | Q4 2025 earnings call: technology and operations investment at about $1 billion; about $100 million of annual savings found through continuous improvement. | [21][15] |
| Nov 16, 2025 | Chief Data and Analytics Officer on Google Cloud panel | Ankit Goel says AI cut analyst research time in commercial loan approvals from 60% to 25%. | [22] |
| Oct 7, 2025 | American Banker profiles the technology division | Technology, operations and services had 4,524 employees and a $1.5 billion 2024 expense budget that finished $42 million favourable; a new CIO for commercial and payments was added in 2025. | [14] |
| Aug 15, 2025 | Contact centre fully on UJET's cloud platform, with new AI capabilities | Agent call volumes down 15%, agent digital chat volumes up 50% and contact-centre running cost down about 10%; KeyBank also holds an equity stake in UJET. | [5] |
| Jul 22, 2025 | $100 million more for technology | The bank marks additional technology spending to support growth alongside front-line hiring. | [23] |
| Jun 12, 2025 | NiCE Actimize X-Sight AI platform fully live | Fraud and anti-money-laundering on the SaaS platform, with ActOne case management and X-Sight Enterprise AML including CDD. | [9] |
Which cloud does KeyBank use?
Google Cloud. Google says KeyBank began moving its data warehouse and fintech acquisitions there in 2018; the bank joined the Anthos early-access program in 2018-2019, moved its warehouse from Teradata to BigQuery around 2020, and in 2022 set a goal of moving most products and services to Google Cloud by 2025. Its contact centre runs on UJET's Google Cloud-based platform.
Does KeyBank use Microsoft Copilot or Google Gemini?
Both, for different jobs. CFO Clark Khayat said in September 2026 that everyone at the bank has access to Microsoft Copilot, and the 2025 Corporate Responsibility Report adds Copilot Studio agents and an internal RAG platform. Engineers piloted Google's Gemini CLI for coding, which Google says KeyBank plans to roll out across the enterprise.
How has AI changed software engineering at KeyBank?
In a Google Cloud case study, a KeyBank card-technology lead says Gemini CLI let him build a Java meta-framework in five days instead of about three months, cut about 680 hours of manual work to 13, summarises code changes across branches for review and helped migrate code from JDK 8 to JDK 21 with generated unit tests.
How big is KeyBank's technology budget?
About $1 billion of technology spend in 2026, CEO Chris Gorman said on the first-quarter call, up from an $800 million to $900 million run rate. American Banker reported that the technology, operations and services division had a $1.5 billion expense budget and 4,524 employees in 2024.
- KeyBank case study: Gemini CLI cuts a three-month project to five days (undated; accessed 2026-10-15)
- KeyBank chooses Anthos to develop personalized banking solutions for its customers
- KeyBank migrates to BigQuery cloud data warehouse
- KeyBank CIO: 'Improving CX Is Our Endgame'
- KeyBank lowers costs by moving contact center to the cloud
- KeyCorp at Barclays conference: growth, margin gains in focus (conference transcript)
- KeyCorp 2025 Corporate Responsibility Report (business edition): Our approach to artificial intelligence
- KeyCorp (KEY) Q1 2026 Earnings Call Transcript
- NiCE Actimize X-Sight AI Enterprise Platform Increases Modernization of KeyBank's Financial Crime Operations
- KeyBank Partners with Personetics to Advance Financial Wellness
- KeyBank bets on relationships over tech budgets
- KeyCorp Form 8-K, Item 5.02: resignation of Chief Information Officer Amy G. Brady
- KeyBank CIO resigns
- The Most Powerful Women in Banking, No. 12, Amy Brady, KeyBank
- KeyCorp (KEY) Q4 2025 Earnings Call Highlights: Strong Revenue Growth and Strategic Investments
- The future of industries: What's happening now and next in financial services, with KeyBank
- KeyCorp appoints Chris Doll as Chief Strategy Officer & Deputy CFO
- Earnings call transcript: KeyCorp tops Q2 2026 profit view, shares slip premarket
- KeyCorp investor presentation, June 2026 (Form 8-K, Exhibit 99.1)
- Amy Brady, KeyCorp's longtime CIO, resigns from the bank
- KeyBank Taps $100 Million Increase in Technology Spend (AI calls at $0.25 vs $9)
- Why context, not just data volume, is key to successful AI
- KeyBank Marks $100M for Technology to Support Continued Growth
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