# Which large banks use AI for marketing and personalization?

Source: https://www.bankingnewsai.com/banks/leaders/ai-marketing-personalization
Last updated: Oct 30, 2026


Checked 2026-10-28 · bank profiles. Nothing on this page is written by a model: every row is computed from that dataset.

On the public record as of Oct 28, 2026, 35 of the 141 large banks profiled describe at least one sourced AI use case for marketing and personalization on their profile. Ranked by use cases (in production), the top 5 are Huntington (3 use cases), Northern Trust (3 use cases), Truist (2 use cases), Regions (2 use cases) and JPMorgan (2 use cases). Huntington's strongest evidence: Marketing workflow tools: Marketing uses AI internally for creative development, reviews and workflow.

## Which of the large banks use AI for marketing and personalization?

| # | Bank | Use cases (in production) | Strongest use case | Status | Date | On this site | Sources |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | [Huntington](https://www.bankingnewsai.com/banks/huntington) | 3 | Marketing workflow tools: Marketing uses AI internally for creative development, reviews and workflow | In production (3 of 3 in production) | Sep 25, 2026 | [Huntington profile](https://www.bankingnewsai.com/banks/huntington#where) | [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai); [Personetics](https://personetics.com/huntington-bank-a-masterclass-in-data-enrichment-and-customer-engagement) |
| 2 | [Northern Trust](https://www.bankingnewsai.com/banks/northern-trust) | 3 | AI-assisted prospecting and lead qualification (wealth): The CEO said Northern Trust uses technology and AI to find prospects that fit its profile | In production (2 of 3 in production) | Jul 22, 2026 | [Northern Trust profile](https://www.bankingnewsai.com/banks/northern-trust#where) | [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/news/northern-trust-conference-ntrs-bets-080213324.html); [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/northern-trust-annual-meeting-shareholders-160258000.html) |
| 3 | [Truist](https://www.bankingnewsai.com/banks/truist) | 2 | Truist Insights: Personalisation engine delivering proactive insights and advice in digital channels | In production (2 of 2 in production) | Sep 3, 2026 | [Truist profile](https://www.bankingnewsai.com/banks/truist#where) | [Truist via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1); [Personetics](https://personetics.com/truists-performance-marketing-journey-from-merger-challenges-to-million-dollar-results) |
| 4 | [Regions](https://www.bankingnewsai.com/banks/regions) | 2 | Personalised insights in mobile banking: Transaction analysis for daily spending and savings notifications and subscription tracking | In production (2 of 2 in production) | Jul 7, 2026 | [Regions profile](https://www.bankingnewsai.com/banks/regions#where) | [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070900BIZWIRE_USPRX____20260707_BW935076-1); [Banking Dive](https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/) |
| 5 | [JPMorgan](https://www.bankingnewsai.com/banks/jpmorgan-chase) | 2 | Firm-wide AI use-case portfolio: Almost 1,000 use cases, about 50 of them 'really important' across risk, fraud, marketing, hedging, prospecting… | In production (1 of 2 in production) | Jul 22, 2026 | [JPMorgan profile](https://www.bankingnewsai.com/banks/jpmorgan-chase#where) | [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/jpmorgan-chase-jpm-q2-2026-124458999.html); [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026010693/firmoverview.htm) |
| 6 | [Scotiabank](https://www.bankingnewsai.com/banks/scotiabank) | 1 | Credit-card pre-approval and mortgage verification: AI-powered credit-card pre-approval decisioning and offer personalisation appear in the Q3 2026 deck | In production | Sep 14, 2026 | [Scotiabank profile](https://www.bankingnewsai.com/banks/scotiabank#where) | [Scotiabank (The Bank of Nova Scotia)](https://www.scotiabank.com/content/dam/scotiabank/corporate/quarterly-reports/2026/q3/Q326_Investor_Presentation.pdf); [Investing.com](https://investing.com/news/transcripts/scotiabank-at-barclays-conference-strategy-lifts-margins-and-growth-93CH-4900067) |
| 7 | [BMO](https://www.bankingnewsai.com/banks/bmo-us) | 1 | Next Best Offer with Codat: Machine learning on payments data recommends products to bankers | In production | Aug 6, 2026 | [BMO profile](https://www.bankingnewsai.com/banks/bmo-us#where) | [American Banker](https://www.americanbanker.com/news/how-bmo-uses-ai-to-get-more-of-business-clients-business); [BMO AI Hub](https://ai.bmo.com/our-stories/next-best-offer-turning-data-into-timely-client-conversations) |
| 8 | [BMO Financial Group](https://www.bankingnewsai.com/banks/bmo-group) | 1 | Next Best Offer / AIM lead engine: Machine-learning engine in Commercial Banking, served through the CRM, that generates and ranks client leads and… | In production | Aug 6, 2026 | [BMO Financial Group profile](https://www.bankingnewsai.com/banks/bmo-group#where) | [BMO AI Hub](https://ai.bmo.com/our-stories/next-best-offer-turning-data-into-timely-client-conversations); [BMO Financial Group (investor relations)](https://www.bmo.com/ir/files/pdfs/BMOInvestorDayPresentation.pdf) |
| 9 | [ING](https://www.bankingnewsai.com/banks/ing) | 1 | Hyper-personalised marketing: GenAI-powered campaigns and targeting, with more than 3% higher conversion, rolled out in six countries | In production | Jul 30, 2026 | [ING profile](https://www.bankingnewsai.com/banks/ing#where) | [ING Groep N.V.](https://ing.com/binaries/content/assets/documents/investors/20260318---driving-value-through-digitalisation-scalability-and-genai.pdf); [ING Groep N.V. (SEC filing)](https://www.sec.gov/Archives/edgar/data/0001039765/000162828026011979/ing-20251231.htm) |
| 10 | [BNP Paribas](https://www.bankingnewsai.com/banks/bnp-paribas) | 1 | Annalise.ai advertising-compliance checks: Personal Finance legal teams use the generative-AI tool Annalise.ai to verify that advertisements, commercial… | In production | Jun 29, 2026 | [BNP Paribas profile](https://www.bankingnewsai.com/banks/bnp-paribas#where) | [BNP Paribas Personal Finance](https://personal-finance.bnpparibas/en/intelligence-artificielle-bnp-paribas-personal-finance) |
| 11 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) | 1 | TD AI Prism personalisation: Predictive foundation model for customer needs and marketing | In production | Jun 1, 2026 | [TD profile](https://www.bankingnewsai.com/banks/td-bank-us#where) | [TD Bank Group](https://stories.td.com/ca/en/news/2025-06-11-td-announces-launch-of-groundbreaking-predictive-foundation); [American Banker](https://www.americanbanker.com/news/td-banks-ai-prism-is-one-of-the-innovation-of-the-year-honorees) |
| 12 | [TD Bank Group](https://www.bankingnewsai.com/banks/td-bank-group) | 1 | TD AI Prism predictive foundation model: One model in place of dozens of predictive models, used to personalise marketing | In production | Jun 1, 2026 | [TD Bank Group profile](https://www.bankingnewsai.com/banks/td-bank-group#where) | [TD Bank Group](https://stories.td.com/ca/en/news/2025-06-11-td-announces-launch-of-groundbreaking-predictive-foundation); [American Banker](https://www.americanbanker.com/news/td-banks-maksims-volkovs-is-4-on-the-most-innovative-people-in-finance-ranking) |
| 13 | [Central Bank](https://www.bankingnewsai.com/banks/central-bancompany) | 1 | Personetics AI-driven money-management insights: Hyper-personalised insights, advice and smart-savings programmes in the mobile and online channels, replacing older… | In production | Apr 16, 2026 | [Central Bank profile](https://www.bankingnewsai.com/banks/central-bancompany#where) | [Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html); [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking) |
| 14 | [Citizens Business Bank](https://www.bankingnewsai.com/banks/cvb-financial) | 1 | Initial drafts of training, marketing and research: In specific circumstances AI is used to prepare initial versions of associate training and customer marketing and… | In production | Apr 7, 2026 | [Citizens Business Bank profile](https://www.bankingnewsai.com/banks/cvb-financial#where) | [CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526144078/cvbf-20260401.htm) |
| 15 | [Park National](https://www.bankingnewsai.com/banks/park-national) | 1 | AI-powered Auto-Coach for bankers: An AI-powered tool that surfaces answers to bankers so they can help customers faster and spot cross-sell opportunities | In production | Mar 9, 2026 | [Park National profile](https://www.bankingnewsai.com/banks/park-national#where) | [Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm) |
| 16 | [UOB](https://www.bankingnewsai.com/banks/uob) | 1 | UOB TMRW personalised insights, nudges and Rewards+ recommender: AI and machine learning drive customised insights and nudges (one in two TMRW customers engage with them) and a… | In production | Mar 9, 2026 | [UOB profile](https://www.bankingnewsai.com/banks/uob#where) | [United Overseas Bank](https://uob.com.sg/investor-relations/assets/pdfs/investor/annual/uob-annual-report-2025.pdf); [United Overseas Bank](https://www.uobgroup.com/web-resources/uobgroup/pdf/newsroom/2022/uob-personetics-launch-autosave-on-tmrw.pdf) |
| 17 | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | 1 | Salesforce agentic next-best-action marketing: Agentic features in Salesforce produce next-best-offer lists from client data | In production | Mar 3, 2026 | [First Horizon profile](https://www.bankingnewsai.com/banks/first-horizon#where) | [Investing.com](https://investing.com/news/transcripts/first-horizon-at-raymond-james-conference-strategic-growth-and-challenges-93CH-4538376); [Investing.com](https://investing.com/news/transcripts/first-horizon-at-bank-of-america-conference-strategic-growth-focus-93CH-4500462) |
| 18 | [Barclays](https://www.bankingnewsai.com/banks/barclays) | 1 | Contact-centre assistants that guide agents: Assistants summarise customer calls and guide human agents in real time, suggesting answers or next best actions… | In production | Feb 10, 2026 | [Barclays profile](https://www.bankingnewsai.com/banks/barclays#where) | [Microsoft](https://www.microsoft.com/en-us/worklab/meet-the-inaugural-class-of-the-frontier-firm-ai-initiative); [Barclays PLC (SEC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm) |
| 19 | [FirstBank](https://www.bankingnewsai.com/banks/fb-financial) | 1 | OptimaFI data analytics for marketing: Outside vendor used since about 2024 to mine the bank's own customer data for growth capacity and propensity and to… | In production | Feb 4, 2026 | [FirstBank profile](https://www.bankingnewsai.com/banks/fb-financial#where) | [The Financial Brand](https://thefinancialbrand.com/news/bank-marketing/to-win-against-the-big-banks-smaller-institutions-must-stop-playing-defense-and-go-on-the-offensive-195565) |
| 20 | [FNB](https://www.bankingnewsai.com/banks/fnb) | 1 | Opportunity IQ AI cross-sell and lead generation: Mines checking-account transactions and uses machine-learning segmentation | In production | Nov 5, 2025 | [FNB profile](https://www.bankingnewsai.com/banks/fnb#where) | [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm) |
| 21 | [Columbia](https://www.bankingnewsai.com/banks/columbia) | 1 | 83 platforms and solutions using some form of AI: Stein's July 2025 count, from basic to powerful, split between a group running current solutions and one on fintech… | In production | Jul 24, 2025 | [Columbia profile](https://www.bankingnewsai.com/banks/columbia#where) | [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript) |
| 22 | [Ally](https://www.bankingnewsai.com/banks/ally) | 1 | Marketing content creation: An 11-person test across 80 marketing tasks found Ally.ai cut task time by 34%, with outputs useful in 87% and… | In production | Jul 23, 2025 | [Ally profile](https://www.bankingnewsai.com/banks/ally#where) | [Ally Tech](https://ally.com/tech/exploring-the-potential-of-ai-allys-marketing-team-tests-the-waters); [Banking Dive](https://www.bankingdive.com/news/ally-ai-platform-banking-cio-muthukrishnan/753788/) |
| 23 | [Fifth Third](https://www.bankingnewsai.com/banks/fifth-third) | 1 | AI deposit personalisation: AI tools on customer data to tailor deposit offers | In production | Mar 19, 2025 | [Fifth Third profile](https://www.bankingnewsai.com/banks/fifth-third#where) | [Bloomberg](https://www.bloomberg.com/news/articles/2025-03-19/fifth-third-among-banks-using-ai-to-help-lure-customer-deposits) |
| 24 | [SouthState](https://www.bankingnewsai.com/banks/southstate) | 1 | AI-ready website and marketing personalisation: A new AI-ready website with search-engine optimisation, more personalised customer outreach and faster content… | Rolling out | Jul 23, 2026 | [SouthState profile](https://www.bankingnewsai.com/banks/southstate#where) | [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm) |
| 25 | [KeyBank](https://www.bankingnewsai.com/banks/keybank) | 1 | Enriched transactions and personalised insights (Personetics): Enrichment live since April 2026 | Rolling out | Jun 23, 2026 | [KeyBank profile](https://www.bankingnewsai.com/banks/keybank#where) | [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) |
| 26 | [CIBC](https://www.bankingnewsai.com/banks/cibc-us) | 1 | CIBC CRTeX personalised offers and insights: AI-generated product offers and timely client insights | Rolling out | Apr 16, 2026 | [CIBC profile](https://www.bankingnewsai.com/banks/cibc-us#where) | [CIBC](https://cibc.com/content/dam/cibc-public-assets/about-cibc/investor-relations/pdfs/annual_meetings/2026/hkc-agm-2026-en.pdf); [CIBC via CNW (Yahoo Finance)](https://finance.yahoo.com/news/cibc-launches-cibc-crtex-ai-140000904.html) |
| 27 | [Santander US](https://www.bankingnewsai.com/banks/santander-us) | 1 | Hyper-personalised customer journeys (ONE Transformation): Data and AI embedded in the businesses for cross-selling and primacy | Rolling out | Feb 26, 2026 | [Santander US profile](https://www.bankingnewsai.com/banks/santander-us#where) | [PYMNTS](https://pymnts.com/news/banking/2026/santander-looks-to-ai-for-digital-transformation); [Bloomberg](https://bloomberg.com/news/articles/2026-02-25/santander-s-botin-sees-1-billion-ai-boost-amid-efficiency-push) |
| 28 | [Amex](https://www.bankingnewsai.com/banks/american-express) | 1 | Third-generation data and analytics platform: Public-cloud platform for personalisation, servicing, fraud and GenAI and agentic use cases | Rolling out | Jan 30, 2026 | [Amex profile](https://www.bankingnewsai.com/banks/american-express#where) | [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/news/american-express-axp-q4-2025-152307902.html) |
| 29 | [First Hawaiian](https://www.bankingnewsai.com/banks/first-hawaiian) | 1 | AI in email marketing: Integrating AI to draw on customer behavioural data in email marketing content | Rolling out | Jan 30, 2026 | [First Hawaiian profile](https://www.bankingnewsai.com/banks/first-hawaiian#where) | [First Hawaiian Bank](https://www.fhb.com/en/about-us/newsroom/2026-press-releases/news-release/013026) |
| 30 | [Flagstar](https://www.bankingnewsai.com/banks/flagstar) | 1 | StarIQ for underwriting data discovery: Credit underwriting uses StarIQ to find the data most relevant to faster decisions | Pilot | Jul 30, 2026 | [Flagstar profile](https://www.bankingnewsai.com/banks/flagstar#where) | [American Banker](https://www.americanbanker.com/leaders/the-ai-enabled-bank-reimagining-retail-banking-from-branch-to-mobile) |
| 31 | [Synchrony](https://www.bankingnewsai.com/banks/synchrony) | 1 | Synchrony Agent in Marketplace: An agent built by the Agentic Commerce team to test how agent-driven purchases affect financing, loyalty and… | Pilot | Oct 24, 2025 | [Synchrony profile](https://www.bankingnewsai.com/banks/synchrony#where) | [Synchrony](https://synchrony.com/contenthub/insights/blog-post-by-mike-storiale.html) |
| 32 | [Eastern Bank](https://www.bankingnewsai.com/banks/eastern) | 1 | AI for customer personalisation (stated aim): The CEO's goal: anticipate needs, recommend more relevant products and engage customers at the right time | Announced | Apr 24, 2026 | [Eastern Bank profile](https://www.bankingnewsai.com/banks/eastern#where) | [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ebc-q1-2026-earnings-transcript-163527279.html) |
| 33 | [Barclays US](https://www.bankingnewsai.com/banks/barclays-us) | 1 | Digital personalisation of customer journeys: Target of more than half of US Consumer Bank customer journeys digitally personalised by 2028, with AI tools deployed… | Announced | Feb 10, 2026 | [Barclays US profile](https://www.bankingnewsai.com/banks/barclays-us#where) | [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html) |
| 34 | [Stifel Bank](https://www.bankingnewsai.com/banks/stifel-bank) | 1 | AI agents for rule-book checks in compliance, AML and onboarding: The CEO said agents suit administrative work that compares inputs to rule books, such as supervisory-analyst reviews… | Announced | Jul 30, 2025 | [Stifel Bank profile](https://www.bankingnewsai.com/banks/stifel-bank#where) | [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-stifel-financial-beats-q2-2025-forecasts-as-stock-rises-93CH-4160780) |
| 35 | [Fulton](https://www.bankingnewsai.com/banks/fulton) | 1 | NICE CXone Copilot and Autopilot: Generative-AI next-best actions for agents, trained on Fulton's knowledge articles, plus omnichannel self-service… | Announced | Dec 11, 2024 | [Fulton profile](https://www.bankingnewsai.com/banks/fulton#where) | [NICE](https://www.nice.com/press-releases/fulton-bank-revolutionizes-financial-services-interactions-with-nice-cxone-mpower-copilot-and-autopilot) |

## How is this ranked?

Data: the 141 bank profiles on this site (lib/banks), every entry dated and sourced: the "Where AI runs" use cases, each with a status (in production, rolling out, pilot, announced).

Rule: Use cases whose name or detail matches \bmarketing\b|personali[sz]ation|personali[sz]ed (offers|insights|nudges|recommendations)|next[- ]best[- ](action|offer)|cross[- ]sell. Score = matching use cases. Order: matching use cases, then those in production, then the strongest stage, then the newest source.

Counts: 35 of 141 profiled banks qualify; 52 distinct sources cited in the table. Data checked 2026-10-28; ranking template updated 2026-10-30.

## What are the caveats?

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.

## FAQ

### Which bank ranks first?

Huntington Bancshares leads with 3 use cases: Marketing workflow tools: Marketing uses AI internally for creative development, reviews and workflow. Northern Trust is second with 3.

### How many large banks describe AI use cases for marketing?

35 of the 141 profiled banks (120 US, 21 non-US groups). Among those listed, 28 are US banks and 7 non-US groups.

### What counts, and what does not?

Use cases whose name or detail matches \bmarketing\b|personali[sz]ation|personali[sz]ed (offers|insights|nudges|recommendations)|next[- ]best[- ](action|offer)|cross[- ]sell. Score = matching use cases. Order: matching use cases, then those in production, then the strongest stage, then the newest source. Source: the 141 bank profiles on this site (lib/banks), every entry dated and sourced: the "Where AI runs" use cases, each with a status (in production, rolling out, pilot, announced).

### 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). The page recomputes whenever that dataset changes and is republished with the site; it is never edited by hand.

## Related questions

- [Which large banks lead in client experience technology?](https://www.bankingnewsai.com/banks/leaders/client-experience-technology)
- [Which large banks use AI for customer service?](https://www.bankingnewsai.com/banks/leaders/ai-customer-service)
- [Which large banks use generative AI with customers?](https://www.bankingnewsai.com/banks/leaders/generative-ai-customer-facing)
- [Which large banks use AI for fraud detection?](https://www.bankingnewsai.com/banks/leaders/ai-fraud-detection)
- [Which large banks use AI for credit underwriting?](https://www.bankingnewsai.com/banks/leaders/ai-credit-underwriting)
- [Which large banks use AI for KYC and customer onboarding?](https://www.bankingnewsai.com/banks/leaders/ai-kyc-onboarding)
- [Which large banks use AI for anti-money-laundering (AML) and sanctions screening?](https://www.bankingnewsai.com/banks/leaders/ai-aml)
- [Which large banks use AI for contact-center operations (agent assist, call summaries, routing)?](https://www.bankingnewsai.com/banks/leaders/ai-contact-center)
- [All ranked answers](https://www.bankingnewsai.com/banks/leaders)

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