# Which large banks launch the most innovative products and services?

Source: https://www.bankingnewsai.com/banks/leaders/innovative-products-services
Last updated: Oct 28, 2026


Edition: computed from the bank pages as of Oct 28, 2026, methodology at https://www.bankingnewsai.com/banks/ai-index/methodology.

Data as of Oct 28, 2026 · 141 banks profiled · 24 with evidence · 44 sources cited.

Counting dated customer-facing launches since January 2025 on the record, the large banks launching the most new products and services are SoFi, Schwab, ING, HSBC and NatWest: SoFi (5 launches · 5 in 2026; latest: SoFi Earn (SOFIE) tokenized deposit launched, Oct 22, 2026); Schwab (3 launches · 3 in 2026; latest: Charley, a gen-AI assistant for retail clients, unveiled, Sep 30, 2026); ING (3 launches · 3 in 2026; latest: 2Q26 results: Instant Mortgages in Germany and agentic mortgages 'live in…, Jul 30, 2026); HSBC (2 launches · 2 in 2026; latest: HSBCnio launches at Sibos, Sep 29, 2026); NatWest (2 launches · 2 in 2026; latest: H1 2026: five agents live, first customer-facing GenAI in Bankline, Jul 31, 2026). 24 of the 141 profiled banks have at least one dated launch for customers, clients, members, dealers or merchants in 2025 or 2026, 37 launches in all (27 in 2026). 1 of the ranked banks has an industry award reported by the press on its page. The count measures shipping, not quality: a launch is what the bank or the press reported going live.

## Which banks have launched the most products and services for customers since 2025?

The 24 highest of 24 banks with a dated launch on their page since Jan 1, 2025. A launch is a timeline entry whose title says the product launched, went live, rolled out, was unveiled or opened to customers, and whose text names a customer audience (customers, clients, members, cardholders, borrowers, dealers or merchants). Ranked by number of launches, then launches in 2026, then the latest launch date.

| # | Bank | AI index score | Latest launches | What the latest one does | Date | Launches 2025–26 | Industry award (press) | Status | Date | Sources |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | [SoFi](https://www.bankingnewsai.com/banks/sofi) | 81.7 | SoFi Earn (SOFIE) tokenized deposit launched · SoFiUSD settlement live on Mastercard · Coach rolled out widely; actions still member-authorised | Each SOFIE represents $1 on deposit at SoFi Bank, earning 4.40% APY with FDIC insurance up to applicable limits, and converts 1:1 to SoFiUSD to buy… | Oct 22, 2026 | 5 launches · 5 in 2026 | no press-reported award on record | Launched in 2026 | Oct 22, 2026 | [SoFi](https://www.sofi.com/newsroom/sofi-launches-sofi-earn-sofie-the-first-and-only-national-bank-issued-tokenized-deposit-for-consumers/); [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202609220800BIZWIRE_USPRX____20260922_BW545634-1); [The Financial Brand](https://thefinancialbrand.com/news/banking-technology/how-sofis-coach-app-delivers-personalized-actionable-advice-and-drives-the-banks-expansion-plans-199145) |
| 2 | [Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | 80.8 | Charley, a gen-AI assistant for retail clients, unveiled · Portfolio Insights launches for UK clients · Portfolio Insights launched | Answers questions by voice or text, gives information and next steps on transfers, payments and trading, and completes select account actions… | Sep 30, 2026 | 3 launches · 3 in 2026 | no press-reported award on record | Launched in 2026 | Sep 30, 2026 | [Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Meet-Charley-Schwabs-New-AI-Powered-Assistant-Designed-to-Help-Clients-Get-Answers-and-Take-Action/default.aspx); [Charles Schwab (Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/meet-charley-schwab-ai-powered-130000718.html); [The Armchair Trader (Yahoo Finance)](https://finance.yahoo.com/news/charles-schwab-launches-ai-portfolio-095314809.html); [Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-Launches-AI-Powered-Capability-That-Helps-Investors-Understand-Portfolio-Performance-and-Market-Activity/default.aspx) |
| 3 | [ING](https://www.bankingnewsai.com/banks/ing) | n/a | 2Q26 results: Instant Mortgages in Germany and agentic mortgages 'live in production' · Live agentic payment with Visa and Worldline in Germany · Live end-to-end agentic payment with Worldline and Mastercard | ING launched Instant Mortgages in Germany with a binding credit decision in under 30 minutes and expanded AI-supported personalised marketing across… | Jul 30, 2026 | 3 launches · 3 in 2026 | no press-reported award on record | Launched in 2026 | Jul 30, 2026 | [ING Groep N.V.](https://ing.com/binaries/content/assets/documents/results/2q2026/2q2026-ing-press-release.pdf); [Investing.com](https://in.investing.com/news/transcripts/earnings-call-transcript-ing-beats-q2-2026-forecasts-and-lifts-outlook-93CH-5522738); [Worldline via GlobeNewswire](https://globenewswire.com/news-release/2026/07/02/3321259/0/en/worldline-worldline-ing-and-visa-complete-a-live-agentic-payment-transaction-in-europe-press-release.html); [Finextra](https://finextra.com/newsarticle/47844/ing-complete-live-end-to-end-european-agentic-payment-transaction) |
| 4 | [HSBC](https://www.bankingnewsai.com/banks/hsbc) | n/a | HSBCnio launches at Sibos · HSBC UK and Visa complete a live agentic card transaction | A digital banking solution for corporate and institutional clients whose Model Context Protocol lets clients' own AI tools read authorised account… | Sep 29, 2026 | 2 launches · 2 in 2026 | no press-reported award on record | Launched in 2026 | Sep 29, 2026 | [HSBC Holdings plc](https://www.hsbc.com/news-and-views/news/hsbc-news-archive/hsbc-launches-hsbcnio-digital-banking-solution-for-businesses); [Finextra](https://finextra.com/pressarticle/110423/hsbc-uk-trials-ai-shopping-with-visa) |
| 5 | [NatWest](https://www.bankingnewsai.com/banks/natwest) | n/a | H1 2026: five agents live, first customer-facing GenAI in Bankline · Q1 2026: four AI agents live for commercial customers' onboarding | The interim results reported 7.1 million Cora conversations in H1 2026, colleague usage of AI tools up threefold and AI-powered client intelligence… | Jul 31, 2026 | 2 launches · 2 in 2026 | no press-reported award on record | Launched in 2026 | Jul 31, 2026 | [NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/31072026/nwg-h1-2026-results.pdf); [NatWest Group plc (via FT Markets)](https://markets.ft.com/data/announce/detail?dockey=1323-17572982-6KO5L6JMVM203E07K6DAEHJ83P) |
| 6 | [Standard Chartered](https://www.bankingnewsai.com/banks/standard-chartered) | n/a | Trust Bank launches the Trust AI Ask chatbot · AI-powered FX video column launched with LSEG | Trust Bank, backed by Standard Chartered and FairPrice Group, lets customers ask conversational questions about card spending by merchant, category… | Sep 8, 2026 | 2 launches · 1 in 2026 | no press-reported award on record | Launched in 2026 | Sep 8, 2026 | [The Straits Times](https://www.straitstimes.com/tech/singapore-banks-up-ai-game-in-apps-with-spending-checks-for-retail-customers); [Standard Chartered PLC](https://www.sc.com/en/press-release/standard-chartered-launches-industry-first-ai-powered-fx-insights) |
| 7 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) | 91.6 | Q2 fiscal 2026 report: TD Insurance launches a client-facing generative AI assistant · TD AI Prism launched | The 6-K says TD became the first Canadian home and auto insurer to deploy one | May 28, 2026 | 2 launches · 1 in 2026 | no press-reported award on record | Launched in 2026 | May 28, 2026 | [TD Bank Group (SEC filing)](https://www.sec.gov/Archives/edgar/data/947263/000094726326000055/ex991.htm); [TD Bank Group](https://stories.td.com/ca/en/news/2025-06-11-td-announces-launch-of-groundbreaking-predictive-foundation) |
| 8 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | 86.0 | ProtectID launches for dealers · Chat Concierge launches for auto dealers | Real-time fraud screening inside Dealer Navigator using proprietary fraud models and a soft credit pull | Jul 23, 2025 | 2 launches · 0 in 2026 | no press-reported award on record | Launched in 2025 | Jul 23, 2025 | [Capital One](https://www.capitalone.com/about/newsroom/capital-one-auto-unveils-real-time-fraud-detection-tool); [The Financial Brand](https://thefinancialbrand.com/news/loan-growth/capital-ones-new-protectid-ai-promises-to-attack-auto-fraud-191093); [Capital One](https://www.capitalone.com/tech/ai/future-of-ai-car-dealerships-shopping); [The Financial Brand](https://thefinancialbrand.com/news/banking-products/capital-ones-chat-concierge-puts-agentic-ai-on-car-dealers-websites-187128) |
| 9 | [First Citizens](https://www.bankingnewsai.com/banks/first-citizens) | 67.1 | First Citizens Innovation Banking launched; SVB name retired | The former Silicon Valley Bank Technology & Healthcare Banking division becomes First Citizens Innovation Banking, alongside a new First Citizens… | Oct 6, 2026 | 1 launch · 1 in 2026 | no press-reported award on record | Launched in 2026 | Oct 6, 2026 | [First Citizens Bank](https://newsroom.firstcitizens.com/2026-10-06-First-Citizens-Bank-Launches-New-Innovation-Banking-Brand) |
| 10 | [HSBC USA](https://www.bankingnewsai.com/banks/hsbc-usa) | 81.8 | HSBCnio launches for corporate and institutional clients | A digital banking solution combining transaction-banking services with AI tools, including Model Context Protocol access to account and transaction… | Sep 29, 2026 | 1 launch · 1 in 2026 | no press-reported award on record | Launched in 2026 | Sep 29, 2026 | [HSBC](https://www.hsbc.com/news-and-views/news/hsbc-news-archive/hsbc-launches-hsbcnio-digital-banking-solution-for-businesses) |
| 11 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | 77.0 | Qualia Shield wire-fraud verification goes live | Title and escrow customers can originate and receive wires inside Qualia, where the release says automated fraud verification runs on every… | Jun 29, 2026 | 1 launch · 1 in 2026 | no press-reported award on record | Launched in 2026 | Jun 29, 2026 | [Customers Bank](https://www.customersbank.com/investor-relations/press-releases/press-release/Customers-Bank-Deploys-Qualia-Shield-for-Customers-Advancing-Wire-Fraud-Prevention-for-Title-and-Escrow-Professionals-1783/) |
| 12 | [Webster](https://www.bankingnewsai.com/banks/webster) | 68.5 | Open-banking connector goes live | Prolific Banking's FI-Streams on Plaid's Core Exchange for commercial clients | Jun 11, 2026 | 1 launch · 1 in 2026 | no press-reported award on record | Launched in 2026 | Jun 11, 2026 | [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606111200BIZWIRE_USPRX____20260611_BW592775-1) |
| 13 | [Busey Bank](https://www.bankingnewsai.com/banks/busey) | 44.8 | Busey Digital Banking and Busey Mobile go live | eBank and the old mobile app were unavailable from 5 June | Jun 8, 2026 | 1 launch · 1 in 2026 | no press-reported award on record | Launched in 2026 | Jun 8, 2026 | [Busey Bank](https://busey.com/assets/files/GYjzXVex/DigitalBankingInTheKnow_052026.pdf); [Busey Bank](https://busey.com/assets/files/Bw7Fi3VO/DigitalBankingInTheKnow_061126.pdf) |
| 14 | [Regions](https://www.bankingnewsai.com/banks/regions) | 83.5 | Commercial lending platform goes live | The new commercial lending platform launches, with a modern data foundation for analytics and AI | Jun 1, 2026 | 1 launch · 1 in 2026 | no press-reported award on record | Launched in 2026 | Jun 1, 2026 | [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000057/a3q26investormeetingmate.htm); [ABA Banking Journal](https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores); [Temenos](https://www.temenos.com/news/2023/04/13/top-us-based-bank-selects-temenos-for-core-banking-modernization-in-the-cloud/) |
| 15 | [Raymond James](https://www.bankingnewsai.com/banks/raymond-james) | 84.2 | Elevate: Client 360 and AI Academy launched; Rai renamed Raimond | Client 360 tripled engagement with the Opportunities app | May 4, 2026 | 1 launch · 1 in 2026 | no press-reported award on record | Launched in 2026 | May 4, 2026 | [Raymond James](https://www.raymondjames.com/advisor-opportunities/press-releases/2026/05/04/raymond-james-tech-innovations); [WealthManagement.com](https://wealthmanagement.com/ibd-news/raymond-james-announces-ai-driven-client360-platform-ai-advisor-academy); [InvestmentNews](https://www.investmentnews.com/fintech/raymond-james-launches-ai-academy-extends-its-advisor-tech-push/266479) |
| 16 | [TD Bank Group](https://www.bankingnewsai.com/banks/td-bank-group) | n/a | TD Insurance launches a client-facing generative AI assistant | The unauthenticated TDI Virtual Assistant, built with Layer 6 and Global Technology and Solutions and trained on website content, answers home, auto… | May 1, 2026 | 1 launch · 1 in 2026 | no press-reported award on record | Launched in 2026 | May 1, 2026 | [TD Bank Group](https://stories.td.com/ca/en/news/2026-05-01-let-27s-chat-coverage-3a-td-insurance-rolls-out-new-virtual-assi) |
| 17 | [Citi](https://www.bankingnewsai.com/banks/citigroup) | 95.2 | Citi Sky unveiled with Google Cloud and DeepMind | Built on Gemini Enterprise Agent Platform with DeepMind real-time avatar technology | Apr 22, 2026 | 1 launch · 1 in 2026 | no press-reported award on record | Launched in 2026 | Apr 22, 2026 | [Citigroup (PR Newswire)](https://www.prnewswire.com/news-releases/citi-wealth-unveils-citi-sky--an-ai-powered-member-of-the-citi-wealth-team-built-using-google-cloud-and-google-deepmind-technologies-302749822.html) |
| 18 | [KeyBank](https://www.bankingnewsai.com/banks/keybank) | 79.9 | Enriched transactions go live in the app | Merchant name, location and category on every transaction | Apr 1, 2026 | 1 launch · 1 in 2026 | no press-reported award on record | Launched in 2026 | Apr 1, 2026 | [Banking Dive](https://www.bankingdive.com/news/keybank-digital-banking-regionals-ai-insights-personetics/823541/) |
| 19 | [DBS](https://www.bankingnewsai.com/banks/dbs) | n/a | DBS Joy rolled out to all corporate clients | The in-house Gen AI virtual assistant for corporate and SME clients, with layers of internal checks and human evaluators | Nov 10, 2025 | 1 launch · 0 in 2026 | CW Innovation Awards: DBS AI assistant slashes call times and boosts productivity… | Launched in 2025 | Nov 10, 2025 | [DBS Group Holdings](https://www.dbs.com/newsroom/DBS_rolls_out_Gen_AI_powered_chatbot_to_all_corporate_clients); [Computer Weekly](https://computerweekly.com/news/366622932/CW-Innovation-Awards-DBS-AI-assistant-slashes-call-times-and-boosts-productivity) |
| 20 | [CIBC](https://www.bankingnewsai.com/banks/cibc-us) | 77.4 | CIBC CRTeX launched nationally | AI-enabled engagement engine combining client preferences with near real-time decisions across online, mobile, contact-centre and branch channels | Oct 16, 2025 | 1 launch · 0 in 2026 | no press-reported award on record | Launched in 2025 | Oct 16, 2025 | [CIBC via CNW (Yahoo Finance)](https://finance.yahoo.com/news/cibc-launches-cibc-crtex-ai-140000904.html) |
| 21 | [BofA](https://www.bankingnewsai.com/banks/bank-of-america) | 97.1 | AI-driven TED score added to the CashPro App | Capital Markets Insights gives investment-grade issuers an AI-driven score of the macro backdrop on a given day, inside an app used by more than… | Sep 29, 2025 | 1 launch · 0 in 2026 | no press-reported award on record | Launched in 2025 | Sep 29, 2025 | [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/press-releases/2025/09/bofa-unveils-ai-driven-capital-markets-insights-on-cashpro--app.html) |
| 22 | [Merchants Bank of Indiana](https://www.bankingnewsai.com/banks/merchants-indiana) | 1.9 | Blue Sage digital lending platform goes live | Powers a newly launched jumbo correspondent lending programme from loan registration through purchase, with a seller/TPO portal | Sep 17, 2025 | 1 launch · 0 in 2026 | no press-reported award on record | Launched in 2025 | Sep 17, 2025 | [Blue Sage Solutions (PR Newswire)](https://www.prnewswire.com/news-releases/merchants-bank-goes-live-with-blue-sages-digital-lending-platform-to-power-its-jumbo-lending-program-302558834.html) |
| 23 | [National Bank Holdings](https://www.bankingnewsai.com/banks/national-bank-holdings) | 2.0 | 2UniFi launches; $5 million Nav investment | NBHC announces 2UniFi, launched that month, will be integrated in the Nav small-business marketplace and that it made a $5 million strategic… | Jul 21, 2025 | 1 launch · 0 in 2026 | no press-reported award on record | Launched in 2025 | Jul 21, 2025 | [National Bank Holdings Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2025/07/21/3119035/0/en/2UniFi-and-Nav-Team-Up-to-Power-Growth-for-Small-Business.html) |
| 24 | [Santander US](https://www.bankingnewsai.com/banks/santander-us) | 89.3 | Santander Consumer launches Drive Together for dealers | A subscription tool on dealer websites that uses soft-pull pre-qualification to generate leads, built on the Drive platform developed with AutoFi | Jul 8, 2025 | 1 launch · 0 in 2026 | no press-reported award on record | Launched in 2025 | Jul 8, 2025 | [Santander US](https://santanderus.com/news_press_article/santander-consumer-launches-drive-together-offering-dealers-pre-qualified-leads-from-web-traffic) |

## What have the banks launched most recently?

The 40 most recent customer-facing launches across the ranked banks, newest first, each quoted from the bank's page.

| Date | Bank | Launch | What it does |
| --- | --- | --- | --- |
| Oct 22, 2026 | [SoFi](https://www.bankingnewsai.com/banks/sofi) | SoFi Earn (SOFIE) tokenized deposit launched | Each SOFIE represents $1 on deposit at SoFi Bank, earning 4.40% APY with FDIC insurance up to applicable limits, and converts 1:1 to… |
| Oct 6, 2026 | [First Citizens](https://www.bankingnewsai.com/banks/first-citizens) | First Citizens Innovation Banking launched; SVB name retired | The former Silicon Valley Bank Technology & Healthcare Banking division becomes First Citizens Innovation Banking, alongside a new First… |
| Sep 30, 2026 | [Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | Charley, a gen-AI assistant for retail clients, unveiled | Answers questions by voice or text, gives information and next steps on transfers, payments and trading, and completes select account… |
| Sep 29, 2026 | [HSBC USA](https://www.bankingnewsai.com/banks/hsbc-usa) | HSBCnio launches for corporate and institutional clients | A digital banking solution combining transaction-banking services with AI tools, including Model Context Protocol access to account and… |
| Sep 29, 2026 | [HSBC](https://www.bankingnewsai.com/banks/hsbc) | HSBCnio launches at Sibos | A digital banking solution for corporate and institutional clients whose Model Context Protocol lets clients' own AI tools read authorised… |
| Sep 22, 2026 | [SoFi](https://www.bankingnewsai.com/banks/sofi) | SoFiUSD settlement live on Mastercard | SoFi Bank migrates its card programme, expected to exceed $25 billion a year, to stablecoin settlement |
| Sep 8, 2026 | [Standard Chartered](https://www.bankingnewsai.com/banks/standard-chartered) | Trust Bank launches the Trust AI Ask chatbot | Trust Bank, backed by Standard Chartered and FairPrice Group, lets customers ask conversational questions about card spending by merchant… |
| Aug 21, 2026 | [SoFi](https://www.bankingnewsai.com/banks/sofi) | Coach rolled out widely; actions still member-authorised | Soft launch to SoFi Plus in June, wide rollout in July, more than half a million conversations by mid-August |
| Aug 11, 2026 | [Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | Portfolio Insights launches for UK clients | Schwab's first generative-AI capability for UK retail investors: AI summaries for up to five holdings with the biggest daily moves, on… |
| Jul 31, 2026 | [NatWest](https://www.bankingnewsai.com/banks/natwest) | H1 2026: five agents live, first customer-facing GenAI in Bankline | The interim results reported 7.1 million Cora conversations in H1 2026, colleague usage of AI tools up threefold and AI-powered client… |
| Jul 30, 2026 | [ING](https://www.bankingnewsai.com/banks/ing) | 2Q26 results: Instant Mortgages in Germany and agentic mortgages 'live in production' | ING launched Instant Mortgages in Germany with a binding credit decision in under 30 minutes and expanded AI-supported personalised… |
| Jul 15, 2026 | [HSBC](https://www.bankingnewsai.com/banks/hsbc) | HSBC UK and Visa complete a live agentic card transaction | An HSBC UK card is used for an end-to-end AI-initiated purchase on a live merchant website, described as an industry first, with biometric… |
| Jul 2, 2026 | [ING](https://www.bankingnewsai.com/banks/ing) | Live agentic payment with Visa and Worldline in Germany | A consumer sets purchase conditions, a merchant AI agent acts within them, the buyer confirms with biometric authentication through Visa… |
| Jun 29, 2026 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | Qualia Shield wire-fraud verification goes live | Title and escrow customers can originate and receive wires inside Qualia, where the release says automated fraud verification runs on… |
| Jun 11, 2026 | [Webster](https://www.bankingnewsai.com/banks/webster) | Open-banking connector goes live | Prolific Banking's FI-Streams on Plaid's Core Exchange for commercial clients |
| Jun 8, 2026 | [Busey Bank](https://www.bankingnewsai.com/banks/busey) | Busey Digital Banking and Busey Mobile go live | eBank and the old mobile app were unavailable from 5 June |
| Jun 2, 2026 | [ING](https://www.bankingnewsai.com/banks/ing) | Live end-to-end agentic payment with Worldline and Mastercard | An ING customer used an AI assistant to choose and buy concert tickets, with the assistant carrying out every step to payment on… |
| Jun 1, 2026 | [Regions](https://www.bankingnewsai.com/banks/regions) | Commercial lending platform goes live | The new commercial lending platform launches, with a modern data foundation for analytics and AI |
| May 28, 2026 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) | Q2 fiscal 2026 report: TD Insurance launches a client-facing generative AI assistant | The 6-K says TD became the first Canadian home and auto insurer to deploy one |
| May 5, 2026 | [Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | Portfolio Insights launched | First gen-AI capability for retail clients |
| May 4, 2026 | [Raymond James](https://www.bankingnewsai.com/banks/raymond-james) | Elevate: Client 360 and AI Academy launched; Rai renamed Raimond | Client 360 tripled engagement with the Opportunities app |
| May 1, 2026 | [TD Bank Group](https://www.bankingnewsai.com/banks/td-bank-group) | TD Insurance launches a client-facing generative AI assistant | The unauthenticated TDI Virtual Assistant, built with Layer 6 and Global Technology and Solutions and trained on website content, answers… |
| May 1, 2026 | [NatWest](https://www.bankingnewsai.com/banks/natwest) | Q1 2026: four AI agents live for commercial customers' onboarding | The Q1 2026 announcement reported four AI-enabled agents live across onboarding and mandates in Commercial & Institutional with embedded… |
| Apr 22, 2026 | [Citi](https://www.bankingnewsai.com/banks/citigroup) | Citi Sky unveiled with Google Cloud and DeepMind | Built on Gemini Enterprise Agent Platform with DeepMind real-time avatar technology |
| Apr 1, 2026 | [KeyBank](https://www.bankingnewsai.com/banks/keybank) | Enriched transactions go live in the app | Merchant name, location and category on every transaction |
| Nov 10, 2025 | [DBS](https://www.bankingnewsai.com/banks/dbs) | DBS Joy rolled out to all corporate clients | The in-house Gen AI virtual assistant for corporate and SME clients, with layers of internal checks and human evaluators |
| Oct 16, 2025 | [CIBC](https://www.bankingnewsai.com/banks/cibc-us) | CIBC CRTeX launched nationally | AI-enabled engagement engine combining client preferences with near real-time decisions across online, mobile, contact-centre and branch… |
| Sep 29, 2025 | [BofA](https://www.bankingnewsai.com/banks/bank-of-america) | AI-driven TED score added to the CashPro App | Capital Markets Insights gives investment-grade issuers an AI-driven score of the macro backdrop on a given day, inside an app used by… |
| Sep 17, 2025 | [Merchants Bank of Indiana](https://www.bankingnewsai.com/banks/merchants-indiana) | Blue Sage digital lending platform goes live | Powers a newly launched jumbo correspondent lending programme from loan registration through purchase, with a seller/TPO portal |
| Jul 23, 2025 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | ProtectID launches for dealers | Real-time fraud screening inside Dealer Navigator using proprietary fraud models and a soft credit pull |
| Jul 21, 2025 | [National Bank Holdings](https://www.bankingnewsai.com/banks/national-bank-holdings) | 2UniFi launches; $5 million Nav investment | NBHC announces 2UniFi, launched that month, will be integrated in the Nav small-business marketplace and that it made a $5 million… |
| Jul 8, 2025 | [Santander US](https://www.bankingnewsai.com/banks/santander-us) | Santander Consumer launches Drive Together for dealers | A subscription tool on dealer websites that uses soft-pull pre-qualification to generate leads, built on the Drive platform developed with… |
| Jun 11, 2025 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) | TD AI Prism launched | A predictive foundation model to anticipate customer needs, built entirely in-house |
| Mar 4, 2025 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | Chat Concierge launches for auto dealers | A multi-agent assistant that compares vehicles, books appointments and hands off to sales, on the Auto Navigator platform |
| Feb 6, 2025 | [Standard Chartered](https://www.bankingnewsai.com/banks/standard-chartered) | AI-powered FX video column launched with LSEG | The Standard Chartered Wealth Management FX Intelligent Expert applies AI summarisation, translation and automatic video generation to the… |

## How is this ranking computed?

Launches counted: timeline entries dated Jan 1, 2025 or later whose title carries a release verb (launched, goes or went live, live for or with, rolled out, unveiled, debuts, introduces, released, opens to, available to, or adds a named tool) and whose title or detail names a customer audience. Excluded: titles that describe a pilot, test, beta or plan, a deal, fund, acquisition or partnership, a hire or appointment, a filing, earnings call or proxy, and tools whose text names only employees, bankers, advisers or developers (unless the title names customers). Score = number of launches; ties go to more launches in 2026, then the more recent latest launch, then the US AI-index score.

Industry awards: an award-titled source dated 2025 or later that the AI index classes as independent coverage (trade or business press such as American Banker, Computer Weekly or Global Finance; not the bank's own release, a vendor's page or a wire copy), or an award-titled timeline entry citing one. Awards are shown, not scored; vendor-issued awards, equity awards and executive lists are left out.

## What are the caveats?

A launch count rewards banks whose releases are well covered and whose pages record them as dated entries; a bank that ships quietly, or reports launches only in aggregate ("300 use cases"), counts low. The test reads the entry's title, so a launch described in other words is missed.

Innovative is a judgement this page does not make: a tokenized deposit, a dealer chatbot and a mobile-app feature each count once. Read the launch names and decide.

Data as of Oct 28, 2026; launches after that date are not yet counted.

## How does this differ from the AI index?

The AI index scores depth of the whole public record; this page counts only dated product and service launches for customers since 2025, AI or not, and does not weight them. The AI index and its method: https://www.bankingnewsai.com/banks/ai-index.

## FAQ

### Which bank launches the most innovative products?

By dated customer-facing launches since January 2025, SoFi Technologies: 5 launches, most recently SoFi Earn (SOFIE) tokenized deposit launched (Oct 22, 2026).

### How many banks launched new customer products in 2026?

17 of the 141 profiled banks have at least one dated customer-facing launch in 2026; 24 have one since January 2025.

### What counts as a launch?

A dated entry on the bank's page whose title says a product or service launched, went live, rolled out, was unveiled or opened to customers, and whose text names customers, clients, members, cardholders, borrowers, dealers or merchants. Pilots, betas, plans, partnerships, hires and filings are not counted.

### Which banks have won innovation awards?

Ranked banks with a press-reported industry award on their page: DBS (CW Innovation Awards: DBS AI assistant slashes call times and boosts…).

### Are these AI launches?

Not only. The page counts any customer-facing product or service launch, and many are AI: assistants, coaching tools and agentic payments. The agentic AI and customer-facing generative AI rankings keep only the AI ones.

### How is this different from the AI adoption ranking?

The 2026 adoption ranking counts every dated AI move in 2026, including employee tools, and weights rollouts double; this page counts only launches for customers since 2025, AI or not.

## The other rankings

- [AI leaders](https://www.bankingnewsai.com/banks/leaders/ai): BofA, Citi and Amex, by disclosure score, production use cases and named platforms.
- [Technology leaders](https://www.bankingnewsai.com/banks/leaders/technology): JPMorgan, BofA and Citi, by disclosed technology spending, technologists and cloud scale.
- [Proprietary platforms](https://www.bankingnewsai.com/banks/leaders/proprietary-ai-platforms): 101 of 141 banks name one; BofA (Erica (and EricaAssist)), Citi (Citi Stylus Workspaces), Amex (Agentic Commerce Experiences (ACE) and Amex Agent Purchase Protection) lead.
- [Modern technology stack](https://www.bankingnewsai.com/banks/leaders/modern-technology-stack): Arvest, Deutsche Bank and Citizens, by disclosed cloud migration, core modernisation and API numbers.
- [Responsible AI](https://www.bankingnewsai.com/banks/leaders/responsible-ai): TD Bank Group, Citizens Business Bank and Synchrony, by named AI councils, risk frameworks and responsible-AI officers.
- [AI adoption in 2026](https://www.bankingnewsai.com/banks/leaders/ai-adoption-2026): Citi, SoFi and Amex, by dated 2026 production rollouts and moves.
- [Research, patents and partnerships](https://www.bankingnewsai.com/banks/leaders/ai-research-patents-partnerships): USAA, TD Bank Group and BofA, by disclosed patents, research deals and model-provider partnerships.
- [Agentic AI](https://www.bankingnewsai.com/banks/leaders/agentic-ai): Amex, Commonwealth Bank and Deutsche Bank (U.S.); 76 of 141 banks have an agent in production.
- [Generative AI with customers](https://www.bankingnewsai.com/banks/leaders/generative-ai-customer-facing): 33 of 141 banks have one in production; BBVA, Standard Chartered and BNP Paribas lead on stage and scale.
- [Fraud and credit AI](https://www.bankingnewsai.com/banks/leaders/fraud-and-credit-ai): Zions, Citi and Western Alliance; 105 banks run fraud AI and 59 credit AI in production.
- [Data management](https://www.bankingnewsai.com/banks/leaders/data-management): First Horizon, Standard Chartered and State Street, by named data platforms, governance programmes and chief data officers.
- [Cloud adoption](https://www.bankingnewsai.com/banks/leaders/cloud): Citizens, Commonwealth Bank and Capital One; 3 banks say they are all-in on the public cloud or out of their data centres.
- [Technology talent](https://www.bankingnewsai.com/banks/leaders/technology-talent): M&T, UBS Group AG and Lloyds, by disclosed technologist headcount, open AI roles, named leaders and hubs.
- [Auto-lending AI](https://www.bankingnewsai.com/banks/leaders/auto-lending-ai): Capital One, Santander US and Ally; 10 banks disclose auto-finance automation or AI, 7 call it AI.
- [Strategy and technology vision](https://www.bankingnewsai.com/banks/leaders/strategy-and-technology-vision): DBS, MUFG and Regions, by executive statements, stated technology budgets, dated strategy events and named platforms.
- [Client experience technology](https://www.bankingnewsai.com/banks/leaders/client-experience-technology): BBVA, Truist and U.S. Bank, by client-facing AI in production, digital-active customers and assistant interactions.
- [Wealth management AI](https://www.bankingnewsai.com/banks/leaders/wealth-management-ai): 70 banks qualify; Raymond James, Schwab and Morgan Stanley lead on stage and depth of wealth and adviser AI.
- [Payments AI](https://www.bankingnewsai.com/banks/leaders/payments-ai): Amex, Banco Santander and JPMorgan; 97 banks have payments, treasury or merchant AI on the record.
- [Compliance AI](https://www.bankingnewsai.com/banks/leaders/compliance-ai): Deutsche Bank, TD and Customers Bank, by depth of compliance AI, then breadth across AML and KYC, model risk, governance and fair lending.
- [Cybersecurity AI](https://www.bankingnewsai.com/banks/leaders/cybersecurity): Commonwealth Bank, Community Bank N.A. and M&T, by cyber AI in production, dated moves and disclosed cyber budgets.
- [All twenty-one rankings](https://www.bankingnewsai.com/banks/leaders)

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Part of [BankingNewsAI](https://www.bankingnewsai.com/) — a free daily brief on AI in banking, an AI regulation tracker (45 authorities, 260 documents) and AI-strategy profiles of the 120 largest US banks. Markdown versions of every reference page: append `.md` to the page URL; index at https://www.bankingnewsai.com/llms.txt.