AI agents · computed from bank profiles via the agent tracker; nothing on this page is written by a model. All ranked answers: /banks/leaders
On the public record as of Oct 28, 2026, 46 of the 141 large banks profiled record an AI-agent move about an agent platform, framework, builder, catalogue or marketplace. Ranked by agent moves, the top 5 are Amex (3 moves), Scotiabank (3 moves), BNY (3 moves), State Street (3 moves) and First Interstate (3 moves). Amex's strongest evidence: Amex Ventures invests in Pie (announced, Aug 4, 2026); 3 moves in all.
141 banks profiled (120 US, 21 non-US) · 46 with matching evidence · top 40 shown · ranked answer, not a comparison
Which of the large banks are building AI agent platforms or marketplaces?
| # | Bank | Agent moves | Latest move | Status | Date | On this site | Sources |
|---|---|---|---|---|---|---|---|
| 1 | Amex | 3 | Amex Ventures invests in Pie (announced, Aug 4, 2026); 3 moves in all | Announced · 1 in production | Aug 4, 2026 | Amex · AI agents timeline → | Finextra ↗ · American Express (SEC filings) ↗ |
| 2 | Scotiabank | 3 | AI Consortium launched with Lightworks, Sun Life and TELUS (announced, Jul 7, 2026); 3 moves in all | Announced · 1 in production | Jul 7, 2026 | Scotiabank profile → | Lightworks, Scotiabank, Sun Life and TELUS (CNW via Yahoo Finance) ↗ · Yahoo Finance ↗ |
| 3 | BNY | 3 | BNY Pershing reports 160 'digital employees' (announced, Mar 11, 2026); 3 moves in all | Announced · 1 in production | Mar 11, 2026 | BNY · AI agents timeline → | BNY ↗ · Google Patents (USPTO) ↗ |
| 4 | State Street | 3 | Investor deck quantifies the 'Tech and AI-enabled Transformation' pillar (announced, Jul 16, 2026); 3 moves in all | Announced | Jul 16, 2026 | State Street · AI agents timeline → | State Street (SEC filing) ↗ · State Street (SEC filing) ↗ |
| 5 | First Interstate | 3 | AWS release: agentOS runs on Amazon Bedrock AgentCore (pilot, May 14, 2026); 3 moves in all | Pilot | May 14, 2026 | First Interstate profile → | American Banker ↗ · Fiserv (GlobeNewswire) ↗ |
| 6 | Capital One | 2 | Shetty: 'agentic AI now must be treated as an end-to-end system' (in production, Sep 28, 2026); 2 moves in all | In production · 2 in production | Sep 28, 2026 | Capital One · AI agents timeline → | CIO Dive ↗ · Capital One ↗ |
| 7 | CIBC | 2 | Best Gen-AI Initiative, third year running (in production, Jul 28, 2026); 2 moves in all | In production · 2 in production | Jul 28, 2026 | CIBC profile → | CNW via FT Markets ↗ · CIBC ↗ |
| 8 | HSBC | 2 | Investment in Promenaut; agent orchestration goes live (in production, Sep 22, 2026); 2 moves in all | In production · 1 in production | Sep 22, 2026 | HSBC · AI agents timeline → | Finextra ↗ · Google Cloud (PR Newswire) ↗ |
| 9 | Deutsche Bank | 2 | Design partner for Google's Gemini Enterprise for Financial Services (in production, Aug 25, 2026); 2 moves in all | In production · 1 in production | Aug 25, 2026 | Deutsche Bank · AI agents timeline → | Google Cloud ↗ · Google Cloud ↗ |
| 10 | Citi | 2 | Arc agent platform launched (rolling out, May 1, 2026); 2 moves in all | Rolling out · 1 in production | May 1, 2026 | Citi · AI agents timeline → | CIO Dive ↗ · Citigroup (PR Newswire) ↗ |
| 11 | Live Oak | 2 | Q1 2026 call: 300-plus employee-built agents (in production, Apr 23, 2026); 2 moves in all | In production · 1 in production | Apr 23, 2026 | Live Oak profile → | Moby via Yahoo Finance ↗ · earnings call transcript (The Motley Fool) ↗ |
| 12 | TD | 2 | Q1 fiscal 2026 call: US ML models in transaction monitoring, new KYC platform live (in production, Feb 26, 2026); 2 moves in all | In production · 1 in production | Feb 26, 2026 | TD · AI agents timeline → | TD Bank Group ↗ · TD Bank Group (SEC filing) ↗ |
| 13 | Banco Santander | 2 | NVIDIA: Model Arena, specialised models and a three-year collaboration framework (pilot, Oct 19, 2026); 2 moves in all | Pilot | Oct 19, 2026 | Banco Santander · AI agents timeline → | Banco Santander ↗ · Banco Santander ↗ |
| 14 | BBVA | 2 | Strategic Talks #2: 'The Frame' presented to investors (rolling out, Oct 6, 2026); 2 moves in all | Rolling out | Oct 6, 2026 | BBVA profile → | BBVA ↗ · BBVA ↗ |
| 15 | BNP Paribas | 2 | Technology function commits to agentic AI investment in 2026 (announced, Sep 15, 2026); 2 moves in all | Announced | Sep 15, 2026 | BNP Paribas profile → | BNP Paribas ↗ · BNP Paribas Securities Services ↗ |
| 16 | PNC | 2 | About 115 AI agents built the new app; a PNC digital assistant is planned (pilot, Jul 8, 2026); 2 moves in all | Pilot | Jul 8, 2026 | PNC · AI agents timeline → | Banking Dive ↗ · Banking Dive ↗ |
| 17 | Deutsche Bank (U.S.) | 2 | Depositary bank for Einride, an AI-planning freight company (announced, Jun 9, 2026); 2 moves in all | Announced | Jun 9, 2026 | Deutsche Bank (U.S.) · AI agents timeline → | Deutsche Bank (Business Wire via Yahoo Finance) ↗ · Deutsche Bank ↗ |
| 18 | Synchrony | 2 | Q1 2026 call: 90% of professionals use AI; agentic commerce a 'big area of focus' (announced, Apr 21, 2026); 2 moves in all | Announced | Apr 21, 2026 | Synchrony · AI agents timeline → | Investing.com ↗ · Synchrony ↗ |
| 19 | DBS | 2 | Group COO sets out agent control-plane advice after visiting AI labs (announced, Apr 16, 2026); 2 moves in all | Announced | Apr 16, 2026 | DBS · AI agents timeline → | Euromoney (DBS-sponsored article by Group COO Derrick Goh) ↗ · DBS Group Holdings ↗ |
| 20 | USAA | 2 | USAA Savings Bank selects Quavo for agentic fraud and dispute handling (announced, Sep 2, 2025); 2 moves in all | Announced | Sep 2, 2025 | USAA profile → | FinTech Global ↗ · TechTarget ↗ |
| 21 | HSBC USA | 1 | Investment in Promenaut; agent orchestration goes live (in production, Sep 22, 2026) | In production · 1 in production | Sep 22, 2026 | HSBC USA · AI agents timeline → | Finextra ↗ |
| 22 | Customers Bank | 1 | cubiX page lists an MCP server and agentic-payment readiness (in production, Jun 10, 2026) | In production · 1 in production | Jun 10, 2026 | Customers Bank · AI agents timeline → | Customers Bank ↗ |
| 23 | Santander US | 1 | Getnet accepts AI-agent payments (in production, Jun 9, 2026) | In production · 1 in production | Jun 9, 2026 | Santander US profile → | PYMNTS ↗ |
| 24 | Lloyds | 1 | Envoy agent platform unveiled (in production, May 1, 2026) | In production · 1 in production | May 1, 2026 | Lloyds · AI agents timeline → | Lloyds Banking Group ↗ |
| 25 | Commonwealth Bank | 1 | Agentic fraud system deployed (in production, Apr 24, 2026) | In production · 1 in production | Apr 24, 2026 | Commonwealth Bank profile → | Commonwealth Bank of Australia ↗ |
| 26 | Sallie Mae | 1 | Unit21 release names Sallie Mae as a customer (in production, Apr 3, 2026) | In production · 1 in production | Apr 3, 2026 | Sallie Mae profile → | Unit21 (Business Wire) ↗ |
| 27 | BofA | 1 | 2025 10-K: autonomous AI agents and third-party models as risks (in production, Feb 25, 2026) | In production · 1 in production | Feb 25, 2026 | BofA profile → | Bank of America (SEC filings) ↗ |
| 28 | Seacoast Bank | 1 | Quavo agentic-AI dispute platform adopted (in production, Dec 9, 2025) | In production · 1 in production | Dec 9, 2025 | Seacoast Bank profile → | Quavo (GlobeNewswire) ↗ |
| 29 | Société Générale | 1 | Group CDO on agentic payments at Sibos 2026 (announced, Sep 30, 2026) | Announced | Sep 30, 2026 | Société Générale profile → | Societe Generale ↗ |
| 30 | First Horizon | 1 | Databricks publishes the CIO's data-and-agents session (rolling out, Sep 15, 2026) | Rolling out | Sep 15, 2026 | First Horizon profile → | Databricks ↗ |
| 31 | Western Alliance | 1 | Innovation Banking joins the debt side of Ordway's $20 million AI round (announced, Aug 5, 2026) | Announced | Aug 5, 2026 | Western Alliance profile → | PR Newswire ↗ |
| 32 | OCBC | 1 | HELIOS agentic AI cuts private banking onboarding to 15 business days (rolling out, Jul 29, 2026) | Rolling out | Jul 29, 2026 | OCBC · AI agents timeline → | Oversea-Chinese Banking Corporation ↗ |
| 33 | ConnectOne | 1 | Q2 2026 call: agentic tools cut manual process time by over 50% (announced, Jul 23, 2026) | Announced | Jul 23, 2026 | ConnectOne profile → | Investing.com ↗ |
| 34 | Citizens | 1 | Q2 2026: AI agents in the back office, a 10x engineering pilot (pilot, Jul 16, 2026) | Pilot | Jul 16, 2026 | Citizens · AI agents timeline → | Citizens Financial Group (SEC filings) ↗ |
| 35 | Morgan Stanley | 1 | Opening stock-plan platforms to external AI agents (rolling out, Jun 3, 2026) | Rolling out | Jun 3, 2026 | Morgan Stanley profile → | CNBC ↗ |
| 36 | SouthState | 1 | Co-developing agents on Fiserv's agentOS (announced, May 14, 2026) | Announced | May 14, 2026 | SouthState profile → | American Banker ↗ |
| 37 | Bank OZK | 1 | Named a co-developer of Fiserv's agentOS agents (announced, May 14, 2026) | Announced | May 14, 2026 | Bank OZK profile → | American Banker ↗ |
| 38 | MUFG | 1 | Strategic alliance with Google in retail (announced, May 7, 2026) | Announced | May 7, 2026 | MUFG profile → | Mitsubishi UFJ Financial Group, Inc. ↗ |
| 39 | Texas Capital | 1 | Q1 2026 call: Ranger and a three-pronged AI strategy (rolling out, Apr 23, 2026) | Rolling out | Apr 23, 2026 | Texas Capital profile → | The Motley Fool (Yahoo Finance) ↗ |
| 40 | Stifel Bank | 1 | Q1 2026: AI first of four strategic topics; agentic AI and sweep cash (announced, Apr 22, 2026) | Announced | Apr 22, 2026 | Stifel Bank profile → | Stifel Financial (SEC filings) ↗ |
Each row quotes one record from bank profiles via the agent tracker; the “On this site” link opens the bank's own page or sub-page with every source. Banks absent from the table have nothing matching on the record this site holds.
How is this ranked?
Data: the AI agent announcements tracker (/ai-agents-in-banking/announcements): every dated timeline move on a bank profile whose text is about agents, with the stage the bank describes; 355 moves across 90 banks.
Rule: Launch moves whose text names a platform, framework, builder, catalogue, marketplace or orchestration layer. Score = such moves.
Counts: 46 of 141 profiled banks qualify; the table shows the top 40; 57 distinct sources cited in the table. Data checked 2026-10-28; ranking template updated 2026-10-30.
What are the caveats?
A move is what the bank or the press described on a dated record; "in production" is the bank's own stage word, not a verified deployment count.
Banks absent from the table have nothing matching on the record this site holds, which is not evidence that they do nothing. Each row links the bank's own page, where every entry carries its sources.
Which bank ranks first?
American Express leads with 3 moves: Amex Ventures invests in Pie (announced, Aug 4, 2026); 3 moves in all. Scotiabank is second with 3.
How many large banks build AI agent platforms?
46 of the 141 profiled banks (120 US, 21 non-US groups); the table shows the top 40. Among those listed, 28 are US banks and 12 non-US groups.
What counts, and what does not?
Launch moves whose text names a platform, framework, builder, catalogue, marketplace or orchestration layer. Score = such moves. Source: the AI agent announcements tracker (/ai-agents-in-banking/announcements): every dated timeline move on a bank profile whose text is about agents, with the stage the bank describes; 355 moves across 90 banks.
Is this a measure of capability?
No. Every row is a sourced fact on the public record: what the bank, a regulator, a filing or an independent outlet has put on the record. The page does not rate how well anything works.
When was this checked, and how often does it update?
The data behind the table was last checked on 2026-10-28 (bank profiles via the agent tracker). The page recomputes whenever that dataset changes and is republished with the site; it is never edited by hand.
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