# KeyCorp (KeyBank) vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/keybank/vs-peers
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.*

## How does KeyCorp (KeyBank) compare with its peers on AI and technology?

KeyCorp scores 80 on this site's US AI disclosure index (#21 of 120), seventh of the nine superregional banks it is compared with, behind Citizens (85.3), Huntington (84.2), Fifth Third (84), Regions (83.8), Truist (82.6) and U.S. Bancorp (81.3) and ahead of M&T (75.5) and PNC (68.2). Outside coverage is its strength, with 25 independent sources, second in the group; the weak spot is recent activity, with 20 dated moves in the last 12 months, the fewest. Three things separate it from named peers. It has priced its contact-centre AI: about $0.25 per AI-handled call against about $9 for a human (January 2026), and agent call volumes fell 15% after its move to UJET's cloud platform (August 2025). Its customer assistant is still ahead of it: KeyBank said in June 2026 that a conversational assistant is in 2027 funding talks, while Truist Assist has handled more than 12.5 million requests since 2023 and Fifth Third's Jeanie raised self-service containment from 3% to 42%. And its AI leadership changed hands: CIO Amy Brady resigned in March 2026 and CFO Clark Khayat now also runs technology, while U.S. Bancorp has had a Chief AI Officer since July 2025 and Truist named a chief AI and data officer in November 2025. Copilot reached every KeyBank employee by September 2026, on a technology budget of about $1 billion. ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/), [American Banker](https://americanbanker.com/news/keybank-lowers-costs-by-moving-contact-center-to-the-cloud), [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/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [Banking Dive](https://bankingdive.com/news/keybank-amy-brady-cio-resign-health-clark-khayat-cfo/813644), [KeyCorp (PR Newswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/keycorp-appoints-chris-doll-chief-172400569.html), [American Banker](https://www.americanbanker.com/news/beyond-token-maxing-how-u-s-bank-ai-chief-navigates-costs), [Truist](https://media.truist.com/2025-11-19-Truist-names-Pascal-Belaud-as-chief-AI-data-officer), [Investing.com](https://za.investing.com/news/stock-market-news/keycorp-at-barclays-conference-growth-margin-gains-in-focus-93CH-4463954), [KeyCorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/91576/000162828026063618/investormeetings-europes.htm))

## Where does KeyBank lead its peers on AI?

- **A published unit cost for AI in the contact centre.** KeyBank puts the cost of an AI-handled call at about $0.25 against about $9 for a human (January 2026), and reports agent call volumes down 15%, agent digital chat up 50% and running cost down about 10% after moving to UJET's Google Cloud-based platform. Citizens targets about 25% of calls handled without a human by the end of 2026 but has published no unit cost. ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/), [American Banker](https://americanbanker.com/news/keybank-lowers-costs-by-moving-contact-center-to-the-cloud), [Citizens Financial Group (SEC filings)](https://www.sec.gov/Archives/edgar/data/759944/000075994426000070/a1q26earningspresentatio.htm))
- **More outside coverage than most peers.** KeyBank has 25 independent sources on its AI, second in the nine-bank group behind Fifth Third (26) and above the peer median of 18.5; independent coverage carries 45% of the index weight. It also leads on described use cases relative to its size, from NiCE Actimize's X-Sight fraud and AML platform to KeyTotal AR's machine-learning invoice matching. ([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), [KeyCorp](https://investor.key.com/press-releases/news-details/2025/KEYBANK-LAUNCHES-PREDICTIVE-ACCOUNTS-RECEIVABLE-MATCHING-WITH-KEYTOTAL-AR-POWERED-BY-VERSAPAY/default.aspx), [PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/))
- **Copilot for every employee and a governed AI inventory.** Clark Khayat said in September 2026 that all KeyBank employees have Copilot, with an internal retrieval platform and Copilot Studio agents; its AI Policy is approved by the ERM Committee and AI systems are inventoried across three lines of defence under a framework aligned to the NIST AI RMF. M&T reported 16,000 of 22,000 employees on Copilot and Regions more than 12,000 associates on copilots. ([Investing.com](https://za.investing.com/news/stock-market-news/keycorp-at-barclays-conference-growth-margin-gains-in-focus-93CH-4463954), [KeyCorp](https://www.key.com/content/dam/kco/documents/about/esg-reports/2025-keycorp-cr-report-business.pdf), [American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000057/a3q26investormeetingmate.htm))
- **AI in commercial credit research.** KeyBank's Chief Data and Analytics Officer says AI cut analyst research time in commercial loan approvals from 60% to 25% of the process (November 2025), and a generative-AI AML screening pilot cut investigations from several hours to 15 to 20 minutes. Citizens' generative-AI credit research was still a pilot in July 2026. ([Google Cloud](https://cloud.google.com/transform/why-context-not-just-data-volume-is-key-to-successful-ai), [Bank Automation News](https://bankautomationnews.com/allposts/ai/keybank-identifies-40-ai-proofs-of-concept), [Citizens Financial Group (SEC filings)](https://www.sec.gov/Archives/edgar/data/759944/000075994426000133/a2q26earningspresentatio.htm))

## Where does KeyBank trail its peers on AI?

- **No customer assistant yet.** KeyBank's in-app conversational assistant is 'the next step' and part of 2027 funding conversations (June 2026). Truist Assist resolved 81% of inquiries in the third quarter of 2025, U.S. Bank's Smart Assistant is used 2.5 million times a month, and Citizens credits CiZi with a 44% drop in call volume. ([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), [U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf), [American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking))
- **AI coding still a proof of concept on the record.** Coding appears among about 40 generative-AI proofs of concept KeyBank listed in August 2025, with no developer count since. Fifth Third reports a 45% prompt-accepted rate for new code and more than 87% of unit testing automated (Q2 2026), U.S. Bank a 75% cut in code-review time, and PNC about 40% efficiency gains from developer tools. ([Bank Automation News](https://bankautomationnews.com/allposts/ai/keybank-identifies-40-ai-proofs-of-concept), [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html), [U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/pnc-financial-reaffirms-outlook-loans-110208542.html))
- **The fewest dated AI moves in the last year.** KeyBank has 20 dated moves on its AI record in the last 12 months, ninth of nine (Huntington has 29). Its Q2 2026 call gave no AI programme update and its first two 2026 10-Qs contain no AI language, against 24 mentions in the 2025 10-K. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-keycorp-tops-q2-2026-profit-view-shares-slip-premarket-93CH-4803732), [KeyCorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/91576/000162828026052671/key-20260630.htm), [KeyCorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/91576/000162828026030507/key-20260331.htm), [KeyCorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/91576/000162828026010546/key-20251231.htm))
- **No dedicated AI executive after the CIO's exit.** Since CIO Amy Brady resigned in March 2026, CFO Clark Khayat has also been head of technology. Peers have created AI roles: U.S. Bancorp's Chief AI Officer Prashant Mehrotra (from July 2025), Truist's chief AI and data officer Pascal Belaud (November 2025) and Fifth Third's AI chief Jay Budzik. ([Banking Dive](https://bankingdive.com/news/keybank-amy-brady-cio-resign-health-clark-khayat-cfo/813644), [KeyCorp (PR Newswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/keycorp-appoints-chris-doll-chief-172400569.html), [American Banker](https://www.americanbanker.com/news/beyond-token-maxing-how-u-s-bank-ai-chief-navigates-costs), [Truist](https://media.truist.com/2025-11-19-Truist-names-Pascal-Belaud-as-chief-AI-data-officer), [Northwestern McCormick School of Engineering](https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html))

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

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

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Citizens Financial Group](https://www.bankingnewsai.com/banks/citizens) | [85.3](https://www.bankingnewsai.com/banks/ai-index) | #11 of 120 | [25](https://www.bankingnewsai.com/banks/citizens#sources) | [18](https://www.bankingnewsai.com/banks/citizens#sources) | [10 of 20](https://www.bankingnewsai.com/banks/citizens#where) | [26](https://www.bankingnewsai.com/banks/citizens#timeline) | CiZi and the cloud-native core ([American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://www.americanbanker.com/news/citizens-details-how-ai-is-speeding-everything-up)) |
| [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | [84.2](https://www.bankingnewsai.com/banks/ai-index) | #13 of 120 | [19](https://www.bankingnewsai.com/banks/huntington#sources) | [17](https://www.bankingnewsai.com/banks/huntington#sources) | [15 of 17](https://www.bankingnewsai.com/banks/huntington#where) | [29](https://www.bankingnewsai.com/banks/huntington#timeline) | Agentic process transformation, run from finance ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb)) |
| [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | [84](https://www.bankingnewsai.com/banks/ai-index) | #14 of 120 | [27](https://www.bankingnewsai.com/banks/fifth-third#sources) | [17](https://www.bankingnewsai.com/banks/fifth-third#sources) | [10 of 13](https://www.bankingnewsai.com/banks/fifth-third#where) | [25](https://www.bankingnewsai.com/banks/fifth-third#timeline) | Jeanie and the Newline MCP server ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1), [Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html)) |
| [Regions Financial](https://www.bankingnewsai.com/banks/regions) | [83.8](https://www.bankingnewsai.com/banks/ai-index) | #15 of 120 | [22](https://www.bankingnewsai.com/banks/regions#sources) | [18](https://www.bankingnewsai.com/banks/regions#sources) | [13 of 15](https://www.bankingnewsai.com/banks/regions#where) | [25](https://www.bankingnewsai.com/banks/regions#timeline) | AI-driven banker platforms on a modernised stack ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027)) |
| [Truist Financial](https://www.bankingnewsai.com/banks/truist) | [82.6](https://www.bankingnewsai.com/banks/ai-index) | #16 of 120 | [18](https://www.bankingnewsai.com/banks/truist#sources) | [18](https://www.bankingnewsai.com/banks/truist#sources) | [13 of 15](https://www.bankingnewsai.com/banks/truist#where) | [27](https://www.bankingnewsai.com/banks/truist#timeline) | Truist Insights and the 'digital teammates' ([Truist via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1), [American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking)) |
| [U.S. Bancorp](https://www.bankingnewsai.com/banks/us-bancorp) | [81.3](https://www.bankingnewsai.com/banks/ai-index) | #18 of 120 | [17](https://www.bankingnewsai.com/banks/us-bancorp#sources) | [21](https://www.bankingnewsai.com/banks/us-bancorp#sources) | [16 of 18](https://www.bankingnewsai.com/banks/us-bancorp#where) | [26](https://www.bankingnewsai.com/banks/us-bancorp#timeline) | In-house tools from the AI Center of Excellence ([U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-design-assistant-an-ai-solution-to-empower-designers-at-scale.html), [American Banker](https://www.americanbanker.com/news/u-s-bank-gives-embedded-banking-clients-a-gen-ai-assistant), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/ai-powered-statement-analyzer-simplifies-payment-services-for-small-businesses.html), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-ai-driven-cash-forecasting-tool.html)) |
| [KeyCorp (KeyBank) (this page)](https://www.bankingnewsai.com/banks/keybank) | [80](https://www.bankingnewsai.com/banks/ai-index) | #21 of 120 | [25](https://www.bankingnewsai.com/banks/keybank#sources) | [17](https://www.bankingnewsai.com/banks/keybank#sources) | [10 of 16](https://www.bankingnewsai.com/banks/keybank#where) | [20](https://www.bankingnewsai.com/banks/keybank#timeline) | Conversational AI in the contact centre and 'cognitive banking' in the app ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/), [Banking Dive](https://www.bankingdive.com/news/keybank-digital-banking-regionals-ai-insights-personetics/823541/), [American Banker](https://americanbanker.com/news/how-keybank-is-creating-cognitive-banking-with-ai)) |
| [M&T Bank](https://www.bankingnewsai.com/banks/mt-bank) | [75.5](https://www.bankingnewsai.com/banks/ai-index) | #28 of 120 | [18](https://www.bankingnewsai.com/banks/mt-bank#sources) | [13](https://www.bankingnewsai.com/banks/mt-bank#sources) | [10 of 14](https://www.bankingnewsai.com/banks/mt-bank#where) | [25](https://www.bankingnewsai.com/banks/mt-bank#timeline) | Microsoft Copilot on a data-lineage foundation ([American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai), [Fast Company](https://www.fastcompany.com/91596458/michael-wisler-m-t-bank-pacesetters-2026)) |
| [PNC Financial Services](https://www.bankingnewsai.com/banks/pnc) | [68.2](https://www.bankingnewsai.com/banks/ai-index) | #38 of 120 | [17](https://www.bankingnewsai.com/banks/pnc#sources) | [15](https://www.bankingnewsai.com/banks/pnc#sources) | [8 of 14](https://www.bankingnewsai.com/banks/pnc#where) | [24](https://www.bankingnewsai.com/banks/pnc#timeline) | PNC AI factory ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [American Banker](https://www.americanbanker.com/news/pncs-solution-to-rising-ai-costs-build-its-own-ai), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1), [Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299)) |

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

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

| Component (weight) | KeyBank | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 25 | 18.5 | [Fifth Third (27)](https://www.bankingnewsai.com/banks/fifth-third) | 2nd of 9 |
| Use cases in production (10%) | 10 | 11.5 | [U.S. Bank (16)](https://www.bankingnewsai.com/banks/us-bancorp) | 5th of 9 |
| Own primary disclosures (10%) | 17 | 17.5 | [U.S. Bank (21)](https://www.bankingnewsai.com/banks/us-bancorp) | 5th of 9 |
| Dated moves, last 12 months (10%) | 20 | 25.5 | [Huntington (29)](https://www.bankingnewsai.com/banks/huntington) | 9th of 9 |
| Disclosed numbers (5%) | 14 | 16.5 | [Citizens (20)](https://www.bankingnewsai.com/banks/citizens) | 6th of 9 |
| Named AI leaders (5%) | 11 | 13.5 | [Huntington (14)](https://www.bankingnewsai.com/banks/huntington) | 7th of 9 |
| Use cases described (5%) | 16 | 15 | [Citizens (20)](https://www.bankingnewsai.com/banks/citizens) | 4th of 9 |

## What has each bank in KeyBank'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 |
| --- | --- | --- | --- | --- | --- |
| [KeyCorp (KeyBank)](https://www.bankingnewsai.com/banks/keybank) | Conversational AI in the contact centre and 'cognitive banking' in the app ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/), [Banking Dive](https://www.bankingdive.com/news/keybank-digital-banking-regionals-ai-insights-personetics/823541/), [American Banker](https://americanbanker.com/news/how-keybank-is-creating-cognitive-banking-with-ai)) | [11, incl. Chris Gorman (Chairman and CEO)](https://www.bankingnewsai.com/banks/keybank#people) ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/), [Banking Dive](https://www.bankingdive.com/news/keybank-has-no-interest-in-buying-a-bank-ceo-says/807427/)) | Cost per customer call, AI vs human: ≈ $0.25 vs ≈ $9 (Jan 20, 2026) ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/keybank#roles) |
| [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | Agentic process transformation, run from finance ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb)) | [14, incl. Zach Wasserman (Chief Financial Officer)](https://www.bankingnewsai.com/banks/huntington#people) ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb), [American Banker](https://www.americanbanker.com/podcast/its-a-tremendous-priority-huntington-cfo-wasserman-on-ai)) | AI agents in production / in development: 50 / 60+, ≈ 15 new a month (Apr 24, 2026) ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/)) | 6 patents listed on the profile, e.g. US 11,194,637 B2 (Extensible alerts platform) ([Google Patents (USPTO)](https://patents.google.com/patent/US11194637B2/en)) | [9 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/huntington#roles) |
| [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | Jeanie and the Newline MCP server ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1), [Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html)) | [14, incl. Tim Spence (Chairman, CEO and President)](https://www.bankingnewsai.com/banks/fifth-third#people) ([Bloomberg](https://www.bloomberg.com/news/articles/2026-03-11/fifth-third-sees-pretty-remarkable-outcome-of-ai-to-lower-cost), [CNBC](https://www.cnbc.com/video/2025/12/09/fifth-third-bancorp-ceo-tim-spence-on-new-partnership-with-brex.html)) | Mobile app releases: 500+ in 2025, from ≈ 2 a year in 2021 (Jun 9, 2026) ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-06-09.html)) | 3 patents listed on the profile, e.g. US 11,868,865 B1 (Systems and methods for cash structuring activity monitoring) ([Google Patents (USPTO)](https://patents.google.com/patent/US11868865B1/en)) | [6 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/fifth-third#roles) |
| [Citizens Financial Group](https://www.bankingnewsai.com/banks/citizens) | CiZi and the cloud-native core ([American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://www.americanbanker.com/news/citizens-details-how-ai-is-speeding-everything-up)) | [10, incl. Brendan Coughlin (President)](https://www.bankingnewsai.com/banks/citizens#people) ([American Banker](https://www.americanbanker.com/news/citizens-latest-move-further-positions-coughlin-as-next-ceo), [American Banker](https://www.americanbanker.com/news/citizens-details-how-ai-is-speeding-everything-up)) | Developers with coding agents: ≈ 800 (half) (Nov 20, 2025) ([American Banker](https://www.americanbanker.com/news/how-citi-citizens-td-deploy-ai-agents-without-upsetting-humans)) | 4 patents listed on the profile, e.g. US 2025/0150457 A1 (AI-driven integration platform and user-adaptive interface for business relationship orchestration) ([Google Patents (USPTO)](https://patents.google.com/patent/US20250150457A1/en)) | [6 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/citizens#roles) |
| [M&T Bank](https://www.bankingnewsai.com/banks/mt-bank) | Microsoft Copilot on a data-lineage foundation ([American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai), [Fast Company](https://www.fastcompany.com/91596458/michael-wisler-m-t-bank-pacesetters-2026)) | [13, incl. Michael Wisler (Senior EVP, Technology and Operations)](https://www.bankingnewsai.com/banks/mt-bank#people) ([Fast Company](https://www.fastcompany.com/91596458/michael-wisler-m-t-bank-pacesetters-2026), [Forbes](https://www.forbes.com/sites/peterhigh/2026/08/28/how-mt-bank-built-a-technology-powerhouse-in-buffalo/)) | Employees on Copilot: 16,000 of 22,000 (Sep 18, 2025) ([American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai)) | Not disclosed | [8 open AI roles (Oct 1, 2026); most in responsible AI & governance](https://www.bankingnewsai.com/banks/mt-bank#roles) |
| [Regions Financial](https://www.bankingnewsai.com/banks/regions) | AI-driven banker platforms on a modernised stack ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027)) | [14, incl. John Turner (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/regions#people) ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027)) | New business opportunities generated by AI-driven platforms: 35% (Jan 16, 2026) ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000006/rf-20251231xexhibit993.htm)) | 1 patent listed on the profile, e.g. US 11,861,690 B2 (Method and system for transferring funds) ([Google Patents (USPTO)](https://patents.google.com/patent/US11861690B2/en)) | [3 open AI roles (Oct 1, 2026); most in AI security](https://www.bankingnewsai.com/banks/regions#roles) |
| [PNC Financial Services](https://www.bankingnewsai.com/banks/pnc) | PNC AI factory ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [American Banker](https://www.americanbanker.com/news/pncs-solution-to-rising-ai-costs-build-its-own-ai), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1), [Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299)) | [10, incl. Bill Demchak (Chairman and CEO)](https://www.bankingnewsai.com/banks/pnc#people) ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [Bloomberg](https://www.bloomberg.com/news/articles/2026-01-26/how-pnc-became-one-of-the-world-s-biggest-banks)) | AI share of the year-over-year increase in technology spending: ≈ 20% (Jan 16, 2026) ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/news/pnc-financial-services-group-q4-163523838.html)) | 4 patents listed on the profile, e.g. US 2025/0094839 A1 (Applying rules via artificial intelligence for document processing) ([Google Patents (USPTO)](https://patents.google.com/patent/US20250094839A1/en)) | [12+ open AI roles (Oct 1, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/pnc#roles) |
| [Truist Financial](https://www.bankingnewsai.com/banks/truist) | Truist Insights and the 'digital teammates' ([Truist via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1), [American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking)) | [14, incl. Steve Hagerman (Chief Information Officer)](https://www.bankingnewsai.com/banks/truist#people) ([American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking), [Truist](https://media.truist.com/Steve-Hagerman), [Banking Dive](https://www.bankingdive.com/news/truist-names-jpmorgan-wells-vet-next-cio/723737/)) | AI use cases deployed in 2025: 50+ (Jun 1, 2026) ([American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking)) | 4 patents listed on the profile, e.g. US 12,657,538 B2 (Audio signal processing and dynamic natural-language risk scoring of customer communications) ([Google Patents (USPTO)](https://patents.google.com/patent/US12657538B2/en)) | [12+ open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/truist#roles) |
| [U.S. Bancorp](https://www.bankingnewsai.com/banks/us-bancorp) | In-house tools from the AI Center of Excellence ([U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-design-assistant-an-ai-solution-to-empower-designers-at-scale.html), [American Banker](https://www.americanbanker.com/news/u-s-bank-gives-embedded-banking-clients-a-gen-ai-assistant), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/ai-powered-statement-analyzer-simplifies-payment-services-for-small-businesses.html), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-ai-driven-cash-forecasting-tool.html)) | [13, incl. Prashant Mehrotra (EVP and Chief AI Officer)](https://www.bankingnewsai.com/banks/us-bancorp#people) ([American Banker](https://www.americanbanker.com/news/benchmarking-ai-adoption-what-u-s-banks-playbook-tells-us), [American Banker](https://www.americanbanker.com/news/beyond-token-maxing-how-u-s-bank-ai-chief-navigates-costs), [The Wall Street Journal (Deloitte CMO Journal)](https://deloitte.wsj.com/cmo/u-s-bank-chief-ai-officer-on-transformation-if-not-now-when-d6ab3469)) | Operations employees under the new COO: 16,000+ (Mar 26, 2026) ([Business Wire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603261645BIZWIRE_USPRX____20260326_BW200557-1)) | 7 patents listed on the profile, e.g. US 2024/0144204 A1 (Check fraud detection comparing incoming check image and signature with a reference) ([Google Patents (USPTO)](https://patents.google.com/patent/US20240144204A1/en)) | [12+ open AI roles (Oct 1, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/us-bancorp#roles) |

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

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

| Date | Bank | Move |
| --- | --- | --- |
| Oct 12, 2026 | [Fifth Third](https://www.bankingnewsai.com/banks/fifth-third) | AI chief Jay Budzik describes the lending-model upgrade ([Northwestern McCormick School of Engineering](https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html)) |
| Oct 7, 2026 | [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | Venkatachari: from proving AI to industrializing it ([Forbes (Yahoo Finance)](https://finance.yahoo.com/news/u-bank-industrializing-ai-132012524.html)) |
| Oct 6, 2026 | [Regions](https://www.bankingnewsai.com/banks/regions) | Core deposits planned for 2027 ([ABA Banking Journal](https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores)) |
| Oct 1, 2026 | [M&T](https://www.bankingnewsai.com/banks/mt-bank) | Rajwani on AI agents and deposit runs ([American Banker](https://americanbanker.com/news/ai-agent-bank-runs-possible-but-unlikely-experts-say)) |
| Oct 1, 2026 | [Fifth Third](https://www.bankingnewsai.com/banks/fifth-third) | CMO: generative AI kept away from customers on purpose ([The Financial Brand](https://thefinancialbrand.com/banking-podcasts/fifth-third-succeeds-through-empowered-employees)) |
| Oct 1, 2026 | [KeyBank](https://www.bankingnewsai.com/banks/keybank) | Gessner ranked No. 3 in American Banker's Most Powerful Women in Banking NEXT ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-3-emily-gessner-keybank)) |
| Sep 29, 2026 | [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | CFO Insights Report: AI spending running over budget ([U.S. Bank (Business Wire)](https://www.businesswire.com/news/home/20260929120677/en/U.S.-Bank-CFO-Survey-Optimism-Climbing-as-Growth-and-Dealmaking-Gain-Momentum)) |
| Sep 29, 2026 | [Citizens](https://www.bankingnewsai.com/banks/citizens) | Coughlin: engineers now 30-40% more productive with AI ([American Banker](https://www.americanbanker.com/news/tech-leaders-say-ai-could-end-humanity-banks-still-love-it)) |
| Sep 29, 2026 | [Citizens](https://www.bankingnewsai.com/banks/citizens) | Q4 2026 Business Pulse: small-business AI spending rising ([Citizens (Business Wire via Yahoo Finance)](https://finance.yahoo.com/small-business/articles/citizens-q4-2026-business-pulse-110000359.html)) |
| Sep 29, 2026 | [Huntington](https://www.bankingnewsai.com/banks/huntington) | Named a Coverbase enterprise customer ([Coverbase (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html)) |
| Sep 25, 2026 | [PNC](https://www.bankingnewsai.com/banks/pnc) | Head of ATM Banking hired with an AI mandate ([Columbus Business First (bizjournals.com)](https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson)) |
| Sep 25, 2026 | [M&T](https://www.bankingnewsai.com/banks/mt-bank) | FinTech Futures profiles the RDC.AI deployment at M&T ([FinTech Futures](https://fintechfutures.com/ai-in-fintech/bringing-explainable-ai-to-commercial-and-business-banking)) |
| Sep 25, 2026 | [Huntington](https://www.bankingnewsai.com/banks/huntington) | Vakharia on AI in bank marketing ([Banking Dive](https://bankingdive.com/news/huntington-bank-marketing-digital-brand-customer-experience-vakharia/831361)) |
| Sep 18, 2026 | [Truist](https://www.bankingnewsai.com/banks/truist) | Mid-table on AI-judged reputation ([American Banker](https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh)) |
| Sep 16, 2026 | [Truist](https://www.bankingnewsai.com/banks/truist) | Insights scale: 4 million daily sign-ins, 500 insights a year per customer ([The Financial Brand](https://thefinancialbrand.com/news/banking-technology/how-truist-delivers-proactive-insights-to-its-app-and-online-users-199568)) |
| Sep 16, 2026 | [Regions](https://www.bankingnewsai.com/banks/regions) | Temenos publishes Regions case study ([Temenos](https://temenos.com/success-story/regions-bank)) |
| Sep 14, 2026 | [PNC](https://www.bankingnewsai.com/banks/pnc) | Barclays conference: agents at the centre of development, 5–10x ([Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299)) |
| Sep 14, 2026 | [KeyBank](https://www.bankingnewsai.com/banks/keybank) | Barclays conference: Copilot for everyone, operations moved to the businesses ([Investing.com](https://za.investing.com/news/stock-market-news/keycorp-at-barclays-conference-growth-margin-gains-in-focus-93CH-4463954)) |

## How does KeyBank's contact-centre AI compare with its peers' assistants?

Customer-service AI as each bank reports it; units and dates differ, so the table ranks disclosure, not quality.

| Bank | Customer-service AI | Result disclosed | Date |
| --- | --- | --- | --- |
| KeyCorp (KeyBank) | Conversational AI in the contact centre on UJET; Personetics transaction enrichment in the app; assistant planned | About $0.25 per AI-handled call against about $9; agent call volumes down 15% | August 2025 and January 2026 ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/), [American Banker](https://americanbanker.com/news/keybank-lowers-costs-by-moving-contact-center-to-the-cloud), [Banking Dive](https://www.bankingdive.com/news/keybank-digital-banking-regionals-ai-insights-personetics/823541/)) |
| Truist Financial | Truist Assist chatbot and 'Ask Truist Assist' search; AI call summaries | 12.5 million-plus requests since 2023; 81% of inquiries resolved (3Q25); 4.5 million-plus call summaries in Q2 2026 | 2025-2026 ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm), [Truist](https://ir.truist.com/2026-09-09-Truist-advances-AI-to-create-more-meaningful-client-interactions)) |
| Fifth Third Bancorp | Jeanie, bilingual since the Comerica conversion | Intent accuracy from about 20% to about 90%; containment from 3% to 42% | August and September 2026 ([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)) |
| U.S. Bancorp | Smart Assistant, by text and voice; generative assistant for contact-centre agents | Used 2.5 million times a month | February 2026 ([U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf), [American Banker](https://www.americanbanker.com/news/u-s-bank-tops-mobile-banking-ranks-for-third-straight-year)) |
| Citizens Financial Group | CiZi; LLMs in the call centre | Mobile-related call volume down 44%; about 25% of calls without a human targeted by end-2026 | April and June 2026 ([American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [Citizens Financial Group (SEC filings)](https://www.sec.gov/Archives/edgar/data/759944/000075994426000070/a1q26earningspresentatio.htm)) |
| PNC Financial Services | Digital assistant planned for later in 2026 on a new app built with about 115 AI agents | Not yet launched | July 2026 ([Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/)) |
| M&T Bank | Generative call summaries for staff; no customer assistant named | About 6 minutes saved per call | September 2026 ([Fast Company](https://www.fastcompany.com/91596458/michael-wisler-m-t-bank-pacesetters-2026)) |

## How does KeyBank's use of AI in coding compare with other regional banks'?

What each bank has published about AI-assisted software development; measures differ.

| Bank | Coding tools | Result disclosed | Date |
| --- | --- | --- | --- |
| KeyCorp (KeyBank) | Coding among about 40 generative-AI proofs of concept; technology productivity one of four 2026 AI themes | Not published | August 2025 and April 2026 ([Bank Automation News](https://bankautomationnews.com/allposts/ai/keybank-identifies-40-ai-proofs-of-concept), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/keycorp-key-q1-2026-earnings-155013854.html)) |
| Fifth Third Bancorp | AI code generation and test automation | 45% prompt-accepted rate for new code; more than 87% of unit testing automated | July 2026 ([Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html)) |
| U.S. Bancorp | GenAI code-review assistant; Cognition and Claude Code among tools | Code-review time down 75%; 70%-75% of engineers using AI tools within three months | February and June 2026 ([U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf), [American Banker](https://www.americanbanker.com/news/beyond-token-maxing-how-u-s-bank-ai-chief-navigates-costs), [American Banker](https://www.americanbanker.com/news/u-s-banks-dilip-venkatachari-is-15-on-the-most-innovative-people-in-finance-ranking)) |
| Regions Financial | GitHub Copilot | About 80% of developers; about 30% lift in code development | September 2026 ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/regions-financial-eyes-150-branches-120202785.html)) |
| Citizens Financial Group | GitHub Copilot's coding agent | About 800 developers; engineers 30-40% more productive than a year earlier | November 2025 and September 2026 ([American Banker](https://www.americanbanker.com/news/how-citi-citizens-td-deploy-ai-agents-without-upsetting-humans), [American Banker](https://www.americanbanker.com/news/tech-leaders-say-ai-could-end-humanity-banks-still-love-it)) |
| PNC Financial Services | Developer-assistance tools; about 115 agents built the new mobile app | Certain offerings delivered about 40% more efficiently | July and September 2026 ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/pnc-financial-reaffirms-outlook-loans-110208542.html), [Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/)) |
| Truist Financial | AI for internal code development and testing | Listed in the 2025 10-K; no figure | February 2026 ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm)) |

## Who leads AI at KeyBank compared with its peers?

The executive closest to AI at each bank, as reported.

| Bank | AI leader | Role | Since |
| --- | --- | --- | --- |
| KeyCorp (KeyBank) | Clark Khayat; Ankit Goel; Kim Snipes | CFO and head of technology; chief data and analytics officer; head of commercial digital, AI and client experience | March 2026 (Khayat over technology) ([Banking Dive](https://bankingdive.com/news/keybank-amy-brady-cio-resign-health-clark-khayat-cfo/813644), [KeyCorp (PR Newswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/keycorp-appoints-chris-doll-chief-172400569.html), [Google Cloud](https://cloud.google.com/transform/why-context-not-just-data-volume-is-key-to-successful-ai), [American Banker](https://digital-banking.americanbanker.com/profile/kim-snipes)) |
| U.S. Bancorp | Prashant Mehrotra | Chief AI Officer | July 2025 ([American Banker](https://www.americanbanker.com/news/beyond-token-maxing-how-u-s-bank-ai-chief-navigates-costs), [The Wall Street Journal (Deloitte CMO Journal)](https://deloitte.wsj.com/cmo/u-s-bank-chief-ai-officer-on-transformation-if-not-now-when-d6ab3469)) |
| Truist Financial | Pascal Belaud | Chief AI & Data Officer, from Microsoft | November 2025 ([Truist](https://media.truist.com/2025-11-19-Truist-names-Pascal-Belaud-as-chief-AI-data-officer)) |
| Fifth Third Bancorp | Jay Budzik | Senior vice president managing the bank's AI scientists | October 2026 ([Northwestern McCormick School of Engineering](https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html)) |
| Huntington Bancshares | Zach Wasserman | CFO acting as AI strategist; 50 agents in production | April 2026 ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/)) |
| M&T Bank | Kalyana Bedhu | Head of AI engineering | August 2026 ([PYMNTS](https://www.pymnts.com/personnel/2026/mt-bank-appoints-fannie-mae-veteran-kalyana-bedhu-as-ai-engineering-head/)) |
| Citizens Financial Group | Krish Swamy | Chief Data and Analytics Officer | July 2026 ([American Banker](https://www.americanbanker.com/leaders/the-ai-enabled-bank-reimagining-retail-banking-from-branch-to-mobile)) |

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

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

KeyBank is compared with the US superregional and regional banks it meets in its branch states and in middle-market lending, in place of the computed group's direct bank (Ally) and foreign-owned US arm (HSBC USA), whose business models differ.

## Common questions

### Is KeyBank better than Huntington at AI?

The record cannot settle capability, but Huntington has put more on it: it scores 84.2 on this site's index against KeyBank's 80. Huntington counts 50 AI agents in production and more than 60 in development (April 2026), run from finance by CFO Zach Wasserman. KeyBank's distinctive disclosure is contact-centre economics, about $0.25 per AI-handled call against about $9, and Copilot for every employee. ([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/), [Investing.com](https://za.investing.com/news/stock-market-news/keycorp-at-barclays-conference-growth-margin-gains-in-focus-93CH-4463954))

### Does KeyBank have an AI virtual assistant like Truist or Fifth Third?

Not yet. KeyBank went live with Personetics transaction enrichment in its app in April 2026 and was piloting personalised insights, and said in June 2026 that a conversational assistant is the next step, in 2027 funding conversations. Truist Assist has handled more than 12.5 million requests since 2023, and Fifth Third's Jeanie 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/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Investing.com](https://investing.com/news/transcripts/fifth-third-at-barclays-conference-comerica-deal-lifts-growth-plans-93CH-4901613))

### How does KeyBank's technology spending compare with its peers'?

KeyBank plans about $1 billion of technology spending for 2026, up about $200 million from 2024. M&T spent more than $1.2 billion on technology in 2025, and Fifth Third reported $474 million of technology and communications expense in 2024. Huntington said its investment would grow about 20% in 2026, including AI use cases. ([KeyCorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/91576/000162828026063618/investormeetings-europes.htm), [AI News](https://www.artificialintelligence-news.com/news/mt-bank-enterprise-ai-15000-employees/), [Banking Dive](https://www.bankingdive.com/news/fifth-third-bank-mobile-app-improvements-ai-strategy-jeanie/749973/), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/news/huntington-bancshares-q4-earnings-call-161017366.html))

### Who runs AI at KeyBank after the CIO left?

CIO Amy Brady resigned for health reasons in March 2026 and CFO Clark Khayat took over technology and operations; an August 2026 release titles him CFO and Head of Technology. Ankit Goel is Chief Data and Analytics Officer and Kim Snipes heads commercial digital, AI and client experience. Peers such as U.S. Bancorp and Truist have appointed dedicated chief AI officers. ([Banking Dive](https://bankingdive.com/news/keybank-amy-brady-cio-resign-health-clark-khayat-cfo/813644), [KeyCorp (PR Newswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/keycorp-appoints-chris-doll-chief-172400569.html), [Google Cloud](https://cloud.google.com/transform/why-context-not-just-data-volume-is-key-to-successful-ai), [American Banker](https://digital-banking.americanbanker.com/profile/kim-snipes), [American Banker](https://www.americanbanker.com/news/beyond-token-maxing-how-u-s-bank-ai-chief-navigates-costs), [Truist](https://media.truist.com/2025-11-19-Truist-names-Pascal-Belaud-as-chief-AI-data-officer))

### How does KeyBank govern AI compared with other regional banks?

KeyBank's 2025 corporate responsibility report says the ERM Committee approves its AI Policy, AI systems are inventoried, risk-assessed and monitored across three lines of defence, and the framework is aligned to the NIST AI RMF. Truist's 2025 10-K also describes a NIST-based AI program, Citizens' board oversees a 'measured approach to AI', and Huntington's board Technology Committee oversees AI strategy. ([KeyCorp](https://www.key.com/content/dam/kco/documents/about/esg-reports/2025-keycorp-cr-report-business.pdf), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [Citizens Financial Group (SEC filings)](https://www.sec.gov/Archives/edgar/data/759944/000075994426000064/cfg-20260309.htm), [Huntington Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/49196/000119312526103196/hban-20260312.htm))

### Why does KeyBank rank seventh in its peer group on this site's AI index?

It has strong outside coverage (25 independent sources, second in the group) but the fewest dated moves in the last 12 months (20) and fewer disclosed numbers and named AI leaders than most peers. Its Q2 2026 call carried no AI programme update and its 2026 10-Qs no AI language, while peers such as Truist and Fifth Third publish AI metrics in their quarterly decks. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-keycorp-tops-q2-2026-profit-view-shares-slip-premarket-93CH-4803732), [KeyCorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/91576/000162828026052671/key-20260630.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000096/ex993-earningsdeck2q26.htm), [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html))

### Which bank uses AI more in commercial banking, KeyBank or Citizens?

Both target commercial bankers. KeyBank says AI cut analyst research time in commercial loan approvals from 60% to 25% and uses machine learning in KeyTotal AR for invoice matching; its commercial bank targets double-digit improvements in banker productivity. Citizens is piloting generative-AI credit research and an AI-Powered Banker that assembles client health reports. ([Google Cloud](https://cloud.google.com/transform/why-context-not-just-data-volume-is-key-to-successful-ai), [KeyCorp](https://investor.key.com/press-releases/news-details/2025/KEYBANK-LAUNCHES-PREDICTIVE-ACCOUNTS-RECEIVABLE-MATCHING-WITH-KEYTOTAL-AR-POWERED-BY-VERSAPAY/default.aspx), [KeyCorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/91576/000009157626000008/ubsconferencepresentatio.htm), [Citizens Financial Group (SEC filings)](https://www.sec.gov/Archives/edgar/data/759944/000075994426000133/a2q26earningspresentatio.htm), [American Banker](https://www.americanbanker.com/news/citizens-details-how-ai-is-speeding-everything-up))

## 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. 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/
2. KeyBank lowers costs by moving contact center to the cloud — American Banker, Aug 15, 2025. https://americanbanker.com/news/keybank-lowers-costs-by-moving-contact-center-to-the-cloud
3. 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/
4. Exhibit 99.3: First quarter 2026 earnings presentation (Form 8-K) — Truist Financial (SEC filing), Apr 17, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm
5. 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
6. KeyBank CIO resigns — Banking Dive, Mar 3, 2026. https://bankingdive.com/news/keybank-amy-brady-cio-resign-health-clark-khayat-cfo/813644
7. KeyCorp appoints Chris Doll as Chief Strategy Officer & Deputy CFO — KeyCorp (PR Newswire via Yahoo Finance), Aug 31, 2026. https://finance.yahoo.com/markets/stocks/articles/keycorp-appoints-chris-doll-chief-172400569.html
8. Beyond token-maxing: How U.S. Bank AI chief navigates costs — American Banker, Jul 30, 2026. https://www.americanbanker.com/news/beyond-token-maxing-how-u-s-bank-ai-chief-navigates-costs
9. Truist names Pascal Belaud as chief AI & data officer — Truist, Nov 19, 2025. https://media.truist.com/2025-11-19-Truist-names-Pascal-Belaud-as-chief-AI-data-officer
10. 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
11. KeyCorp investor presentation, September 2026 (Form 8-K, Exhibit 99.1) — KeyCorp (SEC filings), Sep 25, 2026. https://www.sec.gov/Archives/edgar/data/91576/000162828026063618/investormeetings-europes.htm
12. 1Q26 Earnings Presentation (Form 8-K, Exhibit 99.2) — Citizens Financial Group (SEC filings), Apr 16, 2026. https://www.sec.gov/Archives/edgar/data/759944/000075994426000070/a1q26earningspresentatio.htm
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17. Regions Financial investor meeting materials (Form 8-K, Exhibit 99.1) — Regions Financial (SEC filing), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/1281761/000128176126000057/a3q26investormeetingmate.htm
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21. 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
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23. 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
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30. Alum Spotlight: Jay Budzik (PhD '03) — Northwestern McCormick School of Engineering, Oct 12, 2026. https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html
31. Citizens details how AI is speeding everything up — American Banker, Mar 27, 2026. https://www.americanbanker.com/news/citizens-details-how-ai-is-speeding-everything-up
32. 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/
33. Huntington Bank's plan to obtain a return on gen AI — American Banker, Sep 11, 2025. https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai
34. Banking on AI: Huntington's CFO on Innovation and Risk Oversight — The Wall Street Journal (Deloitte CFO Journal), Sep 15, 2025. https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb
35. Fifth Third Launches AI-Powered Interface in Mobile App — Fifth Third via FT Markets, Jun 17, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1
36. Fifth Third's Newline Extends MCP Server Capabilities with Skills — Fifth Third (Business Wire via Yahoo Finance), Apr 13, 2026. https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html
37. Regions Bank Says AI Lifts Productivity 20% as Loan Growth Cools — PYMNTS, Jan 16, 2026. https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools
38. Regions plans to unveil upgraded deposit platform in 2027 — American Banker, Jul 18, 2025. https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027
39. Truist delivers 2 billion AI-powered proactive insights — Truist via FT Markets, Sep 3, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1
40. Steve Hagerman's agentic vision for Truist's future — American Banker, Jun 1, 2026. https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking
41. U.S. Bank launches Design Assistant, an AI solution to empower designers at scale — U.S. Bank, Mar 30, 2026. https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-design-assistant-an-ai-solution-to-empower-designers-at-scale.html
42. U.S. Bank gives embedded banking clients a gen AI assistant — American Banker, Jan 15, 2026. https://www.americanbanker.com/news/u-s-bank-gives-embedded-banking-clients-a-gen-ai-assistant
43. AI-powered Statement Analyzer simplifies payment services for small businesses — U.S. Bank, May 26, 2026. https://www.usbank.com/about-us-bank/news-and-stories/article-library/ai-powered-statement-analyzer-simplifies-payment-services-for-small-businesses.html
44. U.S. Bank launches AI-driven cash forecasting tool — U.S. Bank, Nov 18, 2025. https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-ai-driven-cash-forecasting-tool.html
45. 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
46. How this Buffalo-based bank is using tech as a competitive edge — Fast Company, Sep 2, 2026. https://www.fastcompany.com/91596458/michael-wisler-m-t-bank-pacesetters-2026
47. Why PNC is building its own 'AI factory' — American Banker, Jun 11, 2026. https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory
48. PNC's solution to rising AI costs: build its own AI — American Banker, Jun 12, 2026. https://www.americanbanker.com/news/pncs-solution-to-rising-ai-costs-build-its-own-ai
49. PNC's New Mobile App Delivers an Intuitive, Personalized Experience to Help Clients Seamlessly Manage Their Day-to-Day Financial Lives — PNC via FT Markets, Jul 7, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1
50. PNC at Barclays conference: growth, AI and branch push (transcript) — Investing.com, Sep 14, 2026. https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299
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52. 'It's a tremendous priority': Huntington CFO Wasserman on AI — American Banker, Mar 4, 2025. https://www.americanbanker.com/podcast/its-a-tremendous-priority-huntington-cfo-wasserman-on-ai
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54. Fifth Third Sees 'Pretty Remarkable' AI Ability to Lower Costs — Bloomberg, Mar 11, 2026. https://www.bloomberg.com/news/articles/2026-03-11/fifth-third-sees-pretty-remarkable-outcome-of-ai-to-lower-cost
55. Fifth Third Bancorp CEO Tim Spence on new partnership with Brex — CNBC, Dec 9, 2025. https://www.cnbc.com/video/2025/12/09/fifth-third-bancorp-ceo-tim-spence-on-new-partnership-with-brex.html
56. American Banker Names Jude Schramm to Most Innovative People in Finance List — Fifth Third, Jun 9, 2026. https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-06-09.html
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59. How Citi, Citizens, TD deploy AI agents without upsetting humans — American Banker, Nov 20, 2025. https://www.americanbanker.com/news/how-citi-citizens-td-deploy-ai-agents-without-upsetting-humans
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70. Benchmarking AI adoption: What U.S. Bank's playbook tells us — American Banker, Sep 2, 2026. https://www.americanbanker.com/news/benchmarking-ai-adoption-what-u-s-banks-playbook-tells-us
71. U.S. Bank Chief AI Officer on Transformation: 'If Not Now, When?' — The Wall Street Journal (Deloitte CMO Journal), May 14, 2026. https://deloitte.wsj.com/cmo/u-s-bank-chief-ai-officer-on-transformation-if-not-now-when-d6ab3469
72. U.S. Bancorp Announces Leadership Changes in Its Operations Function — Business Wire via FT Markets, Mar 26, 2026. https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603261645BIZWIRE_USPRX____20260326_BW200557-1
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74. How U.S. Bank Is Industrializing AI — Forbes (Yahoo Finance), Oct 7, 2026. https://finance.yahoo.com/news/u-bank-industrializing-ai-132012524.html
75. 'Progressive modernization' for cores — ABA Banking Journal, Oct 6, 2026. https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores
76. 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
77. Fifth Third Succeeds Through Empowered Employees (undated page, retrieved 2026-10-01) — The Financial Brand, Oct 1, 2026. https://thefinancialbrand.com/banking-podcasts/fifth-third-succeeds-through-empowered-employees
78. 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
79. U.S. Bank CFO Survey: Optimism Climbing as Growth and Dealmaking Gain Momentum — U.S. Bank (Business Wire), Sep 29, 2026. https://www.businesswire.com/news/home/20260929120677/en/U.S.-Bank-CFO-Survey-Optimism-Climbing-as-Growth-and-Dealmaking-Gain-Momentum
80. Tech leaders say AI could end humanity. Banks still love it — American Banker, Sep 29, 2026. https://www.americanbanker.com/news/tech-leaders-say-ai-could-end-humanity-banks-still-love-it
81. 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
82. 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
83. 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
84. Bringing explainable AI to commercial and business banking — FinTech Futures, Sep 25, 2026. https://fintechfutures.com/ai-in-fintech/bringing-explainable-ai-to-commercial-and-business-banking
85. Huntington unites marketing, digital in a push for growth — Banking Dive, Sep 25, 2026. https://bankingdive.com/news/huntington-bank-marketing-digital-brand-customer-experience-vakharia/831361
86. People use AI to gauge banks' reputations, and its verdicts are harsh — American Banker, Sep 18, 2026. https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh
87. How Truist Delivers Proactive Insights to Its App and Online Users — The Financial Brand, Sep 16, 2026. https://thefinancialbrand.com/news/banking-technology/how-truist-delivers-proactive-insights-to-its-app-and-online-users-199568
88. Regions Bank - Success Story — Temenos, Sep 16, 2026. https://temenos.com/success-story/regions-bank
89. Truist advances AI to create more meaningful client interactions — Truist, Sep 9, 2026. https://ir.truist.com/2026-09-09-Truist-advances-AI-to-create-more-meaningful-client-interactions
90. 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
91. U.S. Bank tops mobile banking ranks for third straight year — American Banker, Sep 23, 2026. https://www.americanbanker.com/news/u-s-bank-tops-mobile-banking-ranks-for-third-straight-year
92. 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/
93. KeyCorp (KEY) Q1 2026 Earnings Call Transcript — Yahoo Finance, Apr 16, 2026. https://finance.yahoo.com/markets/stocks/articles/keycorp-key-q1-2026-earnings-155013854.html
94. Dilip Venkatachari's development of agentic AI and digital-asset infrastructures is driving use cases — American Banker, Jun 1, 2026. https://www.americanbanker.com/news/u-s-banks-dilip-venkatachari-is-15-on-the-most-innovative-people-in-finance-ranking
95. Regions Financial Eyes 150 New Branches as Deposit Strength Supports Growth — MarketBeat (Yahoo Finance), Sep 20, 2026. https://finance.yahoo.com/markets/stocks/articles/regions-financial-eyes-150-branches-120202785.html
96. 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
97. Kim Snipes, speaker profile, Digital Banking 2026 — American Banker, Apr 13, 2026. https://digital-banking.americanbanker.com/profile/kim-snipes
98. M&T Bank Appoints Fannie Mae Veteran Kalyana Bedhu as AI Engineering Head — PYMNTS, Aug 12, 2026. https://www.pymnts.com/personnel/2026/mt-bank-appoints-fannie-mae-veteran-kalyana-bedhu-as-ai-engineering-head/
99. The AI-Enabled Bank: Reimagining Retail Banking from Branch to Mobile — American Banker, Jun 17, 2026. https://www.americanbanker.com/leaders/the-ai-enabled-bank-reimagining-retail-banking-from-branch-to-mobile
100. M&T Bank expands enterprise AI after years of technology overhaul — AI News, Sep 4, 2026. https://www.artificialintelligence-news.com/news/mt-bank-enterprise-ai-15000-employees/
101. Fifth Third takes 'intentionally unsexy' approach to mobile app improvements — Banking Dive, Jun 6, 2025. https://www.bankingdive.com/news/fifth-third-bank-mobile-app-improvements-ai-strategy-jeanie/749973/
102. Huntington Bancshares Q4 Earnings Call Highlights — MarketBeat (Yahoo Finance), Jan 22, 2026. https://finance.yahoo.com/news/huntington-bancshares-q4-earnings-call-161017366.html
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