Which large banks made the most AI moves in the last twelve months?

Data checked Oct 28, 2026 · 141 of 141 banks qualify · 80 sources cited · template updated Oct 30, 2026

AI index slices · computed from bank profiles via the AI index; nothing on this page is written by a model. All ranked answers: /banks/leaders

On the public record as of Oct 28, 2026, 141 of the 141 large banks profiled record at least five dated AI moves in the twelve months to the data date. Ranked by moves in 12 months, the top 5 are Citi (36 moves), JPMorgan (35 moves), BofA (34 moves), Amex (34 moves) and Wells Fargo (33 moves). Citi's strongest evidence: 36 dated moves since the twelve-month mark; latest: Payments chief: no AI model to authorise payments (Oct 1, 2026).

141 banks profiled (120 US, 21 non-US) · 141 with matching evidence · top 40 shown · ranked answer, not a comparison

Which of the large banks made the most AI moves in the last twelve months?

Checked 2026-10-28 · bank profiles via the AI index
#BankMoves in 12 monthsComponent detailStatusDateOn this siteSources
1Citi3636 dated moves since the twelve-month mark; latest: Payments chief: no AI model to authorise payments (Oct 1, 2026)AI programme disclosedOct 26, 2026Citi profile →The Wall Street Journal ↗ · Citigroup ↗
2JPMorgan3535 dated moves since the twelve-month mark; latest: EMEA private bank uses AI for onboarding and research (Oct 25, 2026)AI programme disclosedOct 26, 2026JPMorgan profile →American Banker ↗ · American Banker ↗
3BofA3434 dated moves since the twelve-month mark; latest: Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026)AI programme disclosedOct 26, 2026BofA profile →Bank of America Newsroom ↗ · Bank of America Newsroom ↗
4Amex3434 dated moves since the twelve-month mark; latest: Intent Intelligence framework published (Oct 13, 2026)AI programme disclosedOct 26, 2026Amex profile →American Express ↗ · American Express via FT Markets ↗
5Wells Fargo3333 dated moves since the twelve-month mark; latest: Q3 2026 call: AI agents in code, marketing, cyber, underwriting (Oct 13, 2026)AI programme disclosedOct 21, 2026Wells Fargo profile →Wells Fargo ↗ · VentureBeat ↗
6BMO3232 dated moves since the twelve-month mark; latest: Evident AI Index 2026: top 20 overall, #2 for AI outcomes (Oct 6, 2026)AI programme disclosedOct 13, 2026BMO profile →BMO ↗ · BMO AI Hub ↗
7HSBC USA3030 dated moves since the twelve-month mark; latest: Ant Digital test: AI agents pay with HSBC tokenised deposits (Oct 9, 2026)AI programme disclosedOct 19, 2026HSBC USA profile →Banking Dive ↗ · Banking Dive ↗
8SoFi3030 dated moves since the twelve-month mark; latest: SoFi Earn (SOFIE) tokenized deposit launched (Oct 22, 2026)AI programme disclosedOct 26, 2026SoFi profile →American Banker ↗ · Business Wire via FT Markets ↗
9BNY2929 dated moves since the twelve-month mark; latest: Q3 call: '400-plus' AI solutions in production; AI spend not broken out (Oct 15, 2026)AI programme disclosedOct 19, 2026BNY profile →American Banker ↗ · BNY ↗
10BBVA2929 dated moves since the twelve-month mark; latest: First European bank to join the Poppy agent protocol (Oct 13, 2026)AI programme disclosedOct 13, 2026BBVA profile →OpenAI ↗ · BBVA ↗
11HSBC2828 dated moves since the twelve-month mark; latest: AI-agent micropayment test with Ant Digital (Oct 9, 2026)AI programme disclosedOct 26, 2026HSBC profile →HSBC Holdings plc ↗ · HSBC Holdings plc ↗
12Santander US2828 dated moves since the twelve-month mark; latest: Riley: AI lets her 'vibe code' a CRM tool herself (Oct 1, 2026)AI programme disclosedOct 21, 2026Santander US profile →Bloomberg ↗ · PYMNTS ↗
13Deutsche Bank2828 dated moves since the twelve-month mark; latest: Farsight deployed on-premise in investment banking and capital markets (Oct 13, 2026)AI programme disclosedOct 26, 2026Deutsche Bank profile →Deutsche Bank ↗ · Finextra ↗
14Goldman2828 dated moves since the twelve-month mark; latest: Q3 2026 call: Solomon sets out AI guardrails and compute-supply risk (Oct 13, 2026)AI programme disclosedOct 13, 2026Goldman profile →American Banker ↗ · American Banker ↗
15TD2727 dated moves since the twelve-month mark; latest: Agentic AI extended to mortgage funding and discharge (Oct 13, 2026)AI programme disclosedOct 28, 2026TD profile →TD Bank Group ↗ · TD Bank Group ↗
16Truist2727 dated moves since the twelve-month mark; latest: Mid-table on AI-judged reputation (Sep 18, 2026)AI programme disclosedOct 21, 2026Truist profile →Truist via FT Markets ↗ · American Banker ↗
17BMO Financial Group2727 dated moves since the twelve-month mark; latest: Evident AI Index 2026: top 20 overall, #2 for reported outcomes (Oct 6, 2026)AI programme disclosedOct 13, 2026BMO Financial Group profile →BMO Financial Group ↗ · BMO Financial Group ↗
18DBS2626 dated moves since the twelve-month mark; latest: Tan at DBS Asia Future Forward: 'AI lipstick' and SGD 25 billion of AI financing (Oct 12, 2026)AI programme disclosedOct 26, 2026DBS profile →DBS Group Holdings ↗ · DBS Group Holdings (reprint of a Business Times interview) ↗
19Citizens2626 dated moves since the twelve-month mark; latest: Q4 2026 Business Pulse: small-business AI spending rising (Sep 29, 2026)AI programme disclosedOct 13, 2026Citizens profile →American Banker ↗ · American Banker ↗
20RBC2626 dated moves since the twelve-month mark; latest: OSFI semi-annual risk outlook centres on frontier AI (Oct 8, 2026)AI programme disclosedOct 19, 2026RBC profile →Royal Bank of Canada (CNW via Yahoo Finance) ↗ · Royal Bank of Canada (CNW via Yahoo Finance) ↗
21U.S. Bank2626 dated moves since the twelve-month mark; latest: Venkatachari: from proving AI to industrializing it (Oct 7, 2026)AI programme disclosedOct 16, 2026U.S. Bank profile →U.S. Bank ↗ · American Banker ↗
22MUFG2626 dated moves since the twelve-month mark; latest: AWS: AI Flowchart cuts branch-procedure standardisation work (Oct 8, 2026)AI programme disclosedOct 19, 2026MUFG profile →Mitsubishi UFJ Financial Group, Inc. ↗ · Mitsubishi UFJ Financial Group, Inc. ↗
23Commonwealth Bank2525 dated moves since the twelve-month mark; latest: AGM: Comyn calls for AI regulation to keep pace (Oct 14, 2026)AI programme disclosedOct 13, 2026Commonwealth Bank profile →Commonwealth Bank of Australia ↗ · Commonwealth Bank of Australia ↗
24Fifth Third2525 dated moves since the twelve-month mark; latest: AI chief Jay Budzik describes the lending-model upgrade (Oct 12, 2026)AI programme disclosedOct 19, 2026Fifth Third profile →Fifth Third ↗ · Fifth Third via FT Markets ↗
25Regions2525 dated moves since the twelve-month mark; latest: Core deposits planned for 2027 (Oct 6, 2026)AI programme disclosedOct 16, 2026Regions profile →PYMNTS ↗ · American Banker ↗
26Huntington2525 dated moves since the twelve-month mark; latest: Named a Coverbase enterprise customer (Sep 29, 2026)AI programme disclosedOct 16, 2026Huntington profile →Fortune ↗ · American Banker ↗
27M&T2525 dated moves since the twelve-month mark; latest: Rajwani on AI agents and deposit runs (Oct 1, 2026)AI programme disclosedOct 19, 2026M&T profile →American Banker ↗ · Fast Company ↗
28Schwab2424 dated moves since the twelve-month mark; latest: How Charley was built: employee testing, confirmation before any change (Oct 8, 2026)AI programme disclosedOct 19, 2026Schwab profile →Charles Schwab ↗ · Charles Schwab ↗
29PNC2424 dated moves since the twelve-month mark; latest: Head of ATM Banking hired with an AI mandate (Sep 25, 2026)AI programme disclosedOct 13, 2026PNC profile →American Banker ↗ · American Banker ↗
30Webster2424 dated moves since the twelve-month mark; latest: Webster Bank, N.A. merges into Santander Bank, N.A. (Aug 20, 2026)AI programme disclosedOct 13, 2026Webster profile →Banking Dive ↗ · Business Wire via FT Markets ↗
31Flagstar2424 dated moves since the twelve-month mark; latest: Third-quarter 2026 results set for 23 October (Oct 9, 2026)AI programme disclosedOct 13, 2026Flagstar profile →Flagstar Bank ↗ · Banking Dive ↗
32Standard Chartered2323 dated moves since the twelve-month mark; latest: Trust Bank's Claude-based incident agents reported (Sep 30, 2026)AI programme disclosedOct 26, 2026Standard Chartered profile →Standard Chartered PLC ↗ · Standard Chartered PLC ↗
33Capital One2323 dated moves since the twelve-month mark; latest: Second on the Evident AI index for a fourth year (Oct 6, 2026)AI programme disclosedOct 19, 2026Capital One profile →Capital One ↗ · Capital One ↗
34Scotiabank2323 dated moves since the twelve-month mark; latest: Evident AI Index 2026: 30th of 50 (Oct 6, 2026)AI programme disclosedOct 19, 2026Scotiabank profile →Scotiabank (CNW via Yahoo Finance) ↗ · Scotiabank (CNW via Yahoo Finance) ↗
35Customers Bank2323 dated moves since the twelve-month mark; latest: Palantir collaboration on AI deposit onboarding (Oct 15, 2026)AI programme disclosedOct 26, 2026Customers Bank profile →Customers Bank (Business Wire) ↗ · American Banker ↗
36State Street2323 dated moves since the twelve-month mark; latest: Fogarty: agentic AI 'moved into production', driverless NAV live (Oct 1, 2026)AI programme disclosedOct 19, 2026State Street profile →American Banker ↗ · Motley Fool (Yahoo Finance) ↗
37Lloyds2222 dated moves since the twelve-month mark; latest: Evident AI index 2026: 15th again (Oct 6, 2026)AI programme disclosedOct 26, 2026Lloyds profile →Lloyds Banking Group ↗ · Lloyds Banking Group ↗
38Banco Santander2222 dated moves since the twelve-month mark; latest: NVIDIA: Model Arena, specialised models and a three-year collaboration framework (Oct 19, 2026)AI programme disclosedOct 26, 2026Banco Santander profile →Banco Santander ↗ · Banco Santander ↗
39CIBC2222 dated moves since the twelve-month mark; latest: First named US technology, data and AI chief (Oct 1, 2026)AI programme disclosedOct 26, 2026CIBC profile →CIBC ↗ · CIBC ↗
40First Horizon2222 dated moves since the twelve-month mark; latest: AI file-organisation tool saves hundreds of hours in three months (Oct 1, 2026)AI programme disclosedOct 13, 2026First Horizon profile →American Banker ↗ · American Banker ↗

Each row quotes one record from bank profiles via the AI index; 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 disclosure index (/banks/ai-index): eight components of the public record on AI (independent coverage, use cases in production, a named platform, own disclosures, moves in the last twelve months, numbers, leaders, use cases described), each a percentile rank, applied to all 141 profiles for this component.

Rule: Score = the raw value of the "moves12m" component (not its percentile). Listed from 5; ties by index score, then assets.

Counts: 141 of 141 profiled banks qualify; the table shows the top 40; 80 distinct sources cited in the table. Data checked 2026-10-28; ranking template updated 2026-10-30.

What are the caveats?

Counts are of distinct, sourced entries on the profile; a bank may run more than it has described.

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?

Citigroup leads with 36 moves: 36 dated moves since the twelve-month mark; latest: Payments chief: no AI model to authorise payments (Oct 1, 2026). JPMorgan is second with 35.

How many large banks made 5+ AI moves in 12 months?

141 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?

Score = the raw value of the "moves12m" component (not its percentile). Listed from 5; ties by index score, then assets. Source: the AI disclosure index (/banks/ai-index): eight components of the public record on AI (independent coverage, use cases in production, a named platform, own disclosures, moves in the last twelve months, numbers, leaders, use cases described), each a percentile rank, applied to all 141 profiles for this component.

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

When any of these banks moves on AI, you'll read it the next morning.

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