# Which large banks have the most AI use cases in production?

Source: https://www.bankingnewsai.com/banks/leaders/most-ai-use-cases-in-production
Last updated: Oct 30, 2026


Checked 2026-10-28 · bank profiles via the AI index. 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, 136 of the 141 large banks profiled describe at least three AI use cases in production on their profile. Ranked by use cases in production, the top 5 are BofA (16 use cases), Commonwealth Bank (16 use cases), U.S. Bank (16 use cases), Western Alliance (16 use cases) and Citi (15 use cases). BofA's strongest evidence: 16 of 18 described use cases in production; e.g. Erica, EricaAssist and employee tools, CashPro Forecasting and Data Intelligence.

## Which of the large banks have the most AI use cases in production?

| # | Bank | Use cases in production | Component detail | Status | Date | On this site | Sources |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | [BofA](https://www.bankingnewsai.com/banks/bank-of-america) | 16 | 16 of 18 described use cases in production; e.g. Erica, EricaAssist and employee tools, CashPro Forecasting and Data Intelligence | AI programme disclosed | Oct 26, 2026 | [BofA profile](https://www.bankingnewsai.com/banks/bank-of-america) | [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/press-releases/2025/08/a-decade-of-ai-innovation--bofa-s-virtual-assistant-erica-surpas.html); [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/press-releases/2026/07/bank-of-america-enhances-ericaassist-with-generative-ai-to-help-.html) |
| 2 | [Commonwealth Bank](https://www.bankingnewsai.com/banks/commonwealth-bank) | 16 | 16 of 20 described use cases in production; e.g. Agentic fraud-pattern detection and rule…, Scam and fraud detection across payments, AI bots that engage and disrupt scammers… | AI programme disclosed | Oct 13, 2026 | [Commonwealth Bank profile](https://www.bankingnewsai.com/banks/commonwealth-bank) | [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Annual-Report-print.pdf); [Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2025/02/amazon-web-services-collaboration.html) |
| 3 | [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | 16 | 16 of 18 described use cases in production; e.g. Agentic software layer, Design Assistant and developer-portal…, Liquidity Manager cash forecasting | AI programme disclosed | Oct 16, 2026 | [U.S. Bank profile](https://www.bankingnewsai.com/banks/us-bancorp) | [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) |
| 4 | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | 16 | 16 of 17 described use cases in production; e.g. Triangle of Fraud Protection (Digital…, ML log monitoring with LLM querying, WA VenueX on-chain settlement | AI programme disclosed | Oct 19, 2026 | [Western Alliance profile](https://www.bankingnewsai.com/banks/western-alliance) | [American Banker](https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud); [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf) |
| 5 | [Citi](https://www.bankingnewsai.com/banks/citigroup) | 15 | 15 of 21 described use cases in production; e.g. Stylus Workspaces and engineering agents, Markets document processing, Market Guide (Investor Services) | AI programme disclosed | Oct 26, 2026 | [Citi profile](https://www.bankingnewsai.com/banks/citigroup) | [The Wall Street Journal](https://www.wsj.com/cio-journal/the-ai-superfans-companies-count-on-to-convert-the-skeptics-5b301a90); [Citigroup](https://www.citigroup.com/rcs/citigpa/storage/public/Earnings/Q12026/2026psqtr1rslt.pdf) |
| 6 | [Huntington](https://www.bankingnewsai.com/banks/huntington) | 15 | 15 of 17 described use cases in production; e.g. Agentic process automation, AI-personalised deposit offers, Treasury connectivity automation | AI programme disclosed | Oct 16, 2026 | [Huntington profile](https://www.bankingnewsai.com/banks/huntington) | [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) |
| 7 | [Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | 15 | 15 of 19 described use cases in production; e.g. Portfolio Insights, Schwab Knowledge Assistant, Machine-learning fraud detection | AI programme disclosed | Oct 19, 2026 | [Schwab profile](https://www.bankingnewsai.com/banks/charles-schwab) | [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](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) |
| 8 | [Columbia](https://www.bankingnewsai.com/banks/columbia) | 15 | 15 of 16 described use cases in production; e.g. Post-merger systems conversion, Intrusion response and breach notification, AI-powered customer-support assistant | AI programme disclosed | Oct 13, 2026 | [Columbia profile](https://www.bankingnewsai.com/banks/columbia) | [American Banker](https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one); [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1) |
| 9 | [Standard Chartered](https://www.bankingnewsai.com/banks/standard-chartered) | 14 | 14 of 20 described use cases in production; e.g. SC GPT, Microsoft Copilot across the enterprise, Agent-enabled employee onboarding | AI programme disclosed | Oct 26, 2026 | [Standard Chartered profile](https://www.bankingnewsai.com/banks/standard-chartered) | [Standard Chartered PLC](https://www.sc.com/en/about/innovation/artificial-intelligence/); [Standard Chartered PLC](https://sc.com/en/press-release/standard-chartered-rolls-out-sc-gpt-advancing-ai-driven-innovation-in-banking) |
| 10 | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | 14 | 14 of 17 described use cases in production; e.g. Fargo, AI coding assistants, Payments fraud defence | AI programme disclosed | Oct 21, 2026 | [Wells Fargo profile](https://www.bankingnewsai.com/banks/wells-fargo) | [Wells Fargo](https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/fourth-quarter-2023-financial-results.pdf); [VentureBeat](https://venturebeat.com/business/wells-fargos-ai-assistant-just-crossed-245-million-interactions-with-zero-humans-in-the-loop-and-zero-pii-to-the-llm) |
| 11 | [BMO](https://www.bankingnewsai.com/banks/bmo-us) | 14 | 14 of 16 described use cases in production; e.g. Lumi Assistant, Next Best Offer with Codat, SmartDecision insurance underwriting | AI programme disclosed | Oct 13, 2026 | [BMO profile](https://www.bankingnewsai.com/banks/bmo-us) | [BMO](https://www.bmo.com/en-ca/main/about-bmo/news-insights/blog/meet-lumi-assistant-bmos-award-winning-ai-tool-empowering-team-bmo); [BMO AI Hub](https://ai.bmo.com/our-stories/aura-helping-power-bmos-goal-of-50-faster-underwriting-by-2028) |
| 12 | [Truist](https://www.bankingnewsai.com/banks/truist) | 14 | 14 of 16 described use cases in production; e.g. Truist Insights, Fraud detection, Integrated receivables | AI programme disclosed | Oct 21, 2026 | [Truist profile](https://www.bankingnewsai.com/banks/truist) | [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) |
| 13 | [Raymond James](https://www.bankingnewsai.com/banks/raymond-james) | 14 | 14 of 16 described use cases in production; e.g. Rai operations agent, AI Search and CRM Note Assistant, Zoom AI Companion meeting summaries | AI programme disclosed | Oct 13, 2026 | [Raymond James profile](https://www.bankingnewsai.com/banks/raymond-james) | [Raymond James](https://raymondjames.com/news-and-media/press-releases/2026/01/27/raymond-james-launches-proprietary-digital-ai-agent-to-bolster-operational-excellence); [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=1330-9525266en-2G3EBTACBF0CHV70SD1J7K5BF2) |
| 14 | [SoFi](https://www.bankingnewsai.com/banks/sofi) | 14 | 14 of 17 described use cases in production; e.g. Cash Coach, Composer by SoFi, AI-assisted software engineering | AI programme disclosed | Oct 26, 2026 | [SoFi profile](https://www.bankingnewsai.com/banks/sofi) | [American Banker](https://americanbanker.com/news/sofi-targets-bank-deposits-with-consumer-facing-ai); [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1) |
| 15 | [CIBC](https://www.bankingnewsai.com/banks/cibc-us) | 14 | 14 of 17 described use cases in production; e.g. CAI platform and enterprise chat, Agents Marketplace, Smart Library | AI programme disclosed | Oct 26, 2026 | [CIBC profile](https://www.bankingnewsai.com/banks/cibc-us) | [CIBC](https://cibc.com/en/about-cibc/future-banking/ai/leadership/scaling-ai-cai-platform.html); [CIBC](https://www.cibc.com/en/about-cibc/future-banking/ai/leadership/enterprise-generative-ai.html) |
| 16 | [Amex](https://www.bankingnewsai.com/banks/american-express) | 13 | 13 of 24 described use cases in production; e.g. Account Financials open-banking API, Linked-account cash-flow data (Business…, ACE developer kit | AI programme disclosed | Oct 26, 2026 | [Amex profile](https://www.bankingnewsai.com/banks/american-express) | [American Express](https://www.americanexpress.com/en-us/newsroom/articles/innovation/american-express-debuts-agentic-commerce-experiences--ace--devel.html); [American Express via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604160915BIZWIRE_USPRX____20260415_BW433431-1) |
| 17 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) | 13 | 13 of 18 described use cases in production; e.g. TD AI Prism personalisation, Knowledge-management assistants, Fraud defence and claims | AI programme disclosed | Oct 28, 2026 | [TD profile](https://www.bankingnewsai.com/banks/td-bank-us) | [TD Bank Group](https://stories.td.com/ca/en/news/2025-06-11-td-announces-launch-of-groundbreaking-predictive-foundation); [TD Bank Group](https://stories.td.com/ca/en/news/2026-05-21-td-launches-agentic-ai-to-transform-real-estate-secured-lend) |
| 18 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | 13 | 13 of 13 described use cases in production; e.g. Chat Concierge, AML and cybersecurity models, Eno | AI programme disclosed | Oct 19, 2026 | [Capital One profile](https://www.bankingnewsai.com/banks/capital-one) | [Capital One](https://www.capitalone.com/tech/ai/future-of-ai-car-dealerships-shopping); [Capital One](https://www.capitalone.com/tech/ai/applied-ai-research) |
| 19 | [Regions](https://www.bankingnewsai.com/banks/regions) | 13 | 13 of 15 described use cases in production; e.g. GitHub Copilot for developers, RegionsClientIQ and its generative-AI copilot, Biometrics and caller monitoring | AI programme disclosed | Oct 16, 2026 | [Regions profile](https://www.bankingnewsai.com/banks/regions) | [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) |
| 20 | [Barclays](https://www.bankingnewsai.com/banks/barclays) | 13 | 13 of 20 described use cases in production; e.g. Microsoft 365 Copilot and colleague agents, Colleague Knowledge Assistant (Claude…, Global Markets email triage with Claude | AI programme disclosed | Oct 26, 2026 | [Barclays profile](https://www.bankingnewsai.com/banks/barclays) | [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BARC.L/earnings/BARC.L-Q4-2025-earnings_call-391930.html); [Microsoft](https://ukstories.microsoft.com/features/barclays-rolls-out-microsoft-365-copilot-to-100000-colleagues/) |
| 21 | [Valley](https://www.bankingnewsai.com/banks/valley) | 13 | 13 of 17 described use cases in production; e.g. Valley's AI Assistant and custom agents, AI-powered fraud capabilities, AI prospecting and lead generation | AI programme disclosed | Oct 13, 2026 | [Valley profile](https://www.bankingnewsai.com/banks/valley) | [Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/); [American Banker](https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking) |
| 22 | [BNY](https://www.bankingnewsai.com/banks/bny-mellon) | 12 | 12 of 14 described use cases in production; e.g. Eliza and employee-built agents, Anomaly detection in daily calculations, AI-generated code | AI programme disclosed | Oct 19, 2026 | [BNY profile](https://www.bankingnewsai.com/banks/bny-mellon) | [American Banker](https://americanbanker.com/news/while-embedding-ai-everywhere-bny-wont-disclose-costs); [BNY](https://www.bny.com/assets/corporate/documents/pdf/investor-relations/earnings/quarterly-update-presentation-1q-2026.pdf) |
| 23 | [BBVA](https://www.bankingnewsai.com/banks/bbva) | 12 | 12 of 19 described use cases in production; e.g. ChatGPT Enterprise for all employees, Google Workspace with Gemini, Gemini app…, Blue, the customer assistant | AI programme disclosed | Oct 13, 2026 | [BBVA profile](https://www.bankingnewsai.com/banks/bbva) | [OpenAI](https://openai.com/index/bbva-collaboration-expansion/); [BBVA](https://www.bbva.com/en/innovation/bbva-and-openai-seal-a-strategic-alliance-to-redefine-banking-with-artificial-intelligence) |
| 24 | [Scotiabank](https://www.bankingnewsai.com/banks/scotiabank) | 12 | 12 of 17 described use cases in production; e.g. Scotia Navigator assistive AI platform, Contact-centre AI and Ask AI, Commercial email automation (AIDox) | AI programme disclosed | Oct 19, 2026 | [Scotiabank profile](https://www.bankingnewsai.com/banks/scotiabank) | [Scotiabank (CNW via Yahoo Finance)](https://finance.yahoo.com/news/scotiabank-launches-scotia-intelligence-empowering-145000695.html); [Scotiabank (CNW via Yahoo Finance)](https://finance.yahoo.com/news/scotiabank-accelerates-enterprise-adoption-ai-120000272.html) |
| 25 | [BMO Financial Group](https://www.bankingnewsai.com/banks/bmo-group) | 12 | 12 of 17 described use cases in production; e.g. Lumi Assistant, Microsoft Copilot and Copilot Chat, AI alert triage and adverse-media search | AI programme disclosed | Oct 13, 2026 | [BMO Financial Group profile](https://www.bankingnewsai.com/banks/bmo-group) | [BMO Financial Group](https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum); [BMO Financial Group](https://www.bmo.com/en-ca/main/about-bmo/news-insights/blog/meet-lumi-assistant-bmos-award-winning-ai-tool-empowering-team-bmo/) |
| 26 | [Société Générale](https://www.bankingnewsai.com/banks/societe-generale) | 12 | 12 of 16 described use cases in production; e.g. ELIOTT and SoBot assistants, Mosaic external-fraud detection, Instant-KYC remote onboarding | AI programme disclosed | Oct 19, 2026 | [Société Générale profile](https://www.bankingnewsai.com/banks/societe-generale) | [Bloomberg](https://bloomberg.com/news/articles/2026-01-12/socgen-turns-to-microsoft-s-copilot-after-scrapping-own-ai-tool); [Societe Generale](https://www.societegenerale.com/sites/default/files/documents/2026-09/capital-markets-day-presentation.pdf) |
| 27 | [BNP Paribas](https://www.bankingnewsai.com/banks/bnp-paribas) | 12 | 12 of 20 described use cases in production; e.g. LLM@CIB assistant, HelloïZ virtual assistant at Hello bank!, Nickel Assist | AI programme disclosed | Oct 13, 2026 | [BNP Paribas profile](https://www.bankingnewsai.com/banks/bnp-paribas) | [BNP Paribas](https://group.bnpparibas/en/press-release/bnp-paribas-provides-its-businesses-with-an-llm-as-a-service-platform-to-accelerate-the-industrialization-of-generative-ai-use-cases); [BNP Paribas](https://group.bnpparibas/en/press-release/bnp-paribas-and-mistral-ai-extend-their-partnership-to-support-the-next-phase-of-generative-ai-deployment-within-the-group) |
| 28 | [First Citizens](https://www.bankingnewsai.com/banks/first-citizens) | 12 | 12 of 14 described use cases in production; e.g. AI in cybersecurity, Responsible-AI framework, Fraud defence for business clients | AI programme disclosed | Oct 19, 2026 | [First Citizens profile](https://www.bankingnewsai.com/banks/first-citizens) | [First Citizens Bank](https://newsroom.firstcitizens.com/image/First-Citizens-Bank-Frontier-AI-Fact-Sheet.pdf); [First Citizens Bank](https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/about-us/corporate-profile.pdf) |
| 29 | [First Hawaiian](https://www.bankingnewsai.com/banks/first-hawaiian) | 12 | 12 of 16 described use cases in production; e.g. AI programme strategy and governance, Deepfake and scam awareness for customers, AI voice-cloning scam education | AI programme disclosed | Oct 13, 2026 | [First Hawaiian profile](https://www.bankingnewsai.com/banks/first-hawaiian) | [First Hawaiian Bank](https://www.fhb.com/en/about-us/newsroom/2026-press-releases/news-release/013026); [First Hawaiian Bank](https://www.fhb.com/en/resource-center/security-and-fraud-protection/deepfake-awareness-protecting-yourself-at-work-and-home) |
| 30 | [Stifel Bank](https://www.bankingnewsai.com/banks/stifel-bank) | 12 | 12 of 13 described use cases in production; e.g. AI productivity tools for advisers, bankers…, Fund banking and wealth-linked lending, AI thought leadership for clients | No AI programme disclosed | Oct 19, 2026 | [Stifel Bank profile](https://www.bankingnewsai.com/banks/stifel-bank) | [Stifel Financial](https://stifel.com/investor-relations/DownloadEarningsReleaseFile?fiscalYear=2026&id=263); [TheStreet (Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/stifel-earnings-expose-wall-street-030700080.html) |
| 31 | [Renasant](https://www.bankingnewsai.com/banks/renasant) | 12 | 12 of 12 described use cases in production; e.g. The First systems conversion, Process automation and data analytics…, AI risk-factor disclosure | No AI programme disclosed | Oct 13, 2026 | [Renasant profile](https://www.bankingnewsai.com/banks/renasant) | [SEC EDGAR](https://sec.gov/Archives/edgar/data/715072/000071507226000032/a2025rnstannualreport.pdf); [Renasant Corporation](https://investors.renasant.com/news-releases/news-release-details/renasant-corporation-completes-merger-first-bancshares-inc/) |
| 32 | [Santander US](https://www.bankingnewsai.com/banks/santander-us) | 11 | 11 of 16 described use cases in production; e.g. AI tools for all employees (group), Agentic commerce via Getnet, Machine-learning auto credit risk on FICO… | AI programme disclosed | Oct 21, 2026 | [Santander US profile](https://www.bankingnewsai.com/banks/santander-us) | [Bloomberg](https://bloomberg.com/news/articles/2026-02-25/santander-s-botin-sees-1-billion-ai-boost-amid-efficiency-push); [PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/santander-equips-all-workers-with-ai-and-seeks-1-15-billion-business-value/) |
| 33 | [DBS](https://www.bankingnewsai.com/banks/dbs) | 11 | 11 of 17 described use cases in production; e.g. DBS-GPT, DBS Joy (corporate and SME assistant), Gen AI assistant for customer service… | AI programme disclosed | Oct 26, 2026 | [DBS profile](https://www.bankingnewsai.com/banks/dbs) | [DBS Group Holdings](https://dbs.com/iwov-resources/images/investors/annual-report/dbs-annual-report-2025.pdf?pid=sg-group-pweb-investors-annual-report-2025-pdf); [DBS Group Holdings (reprint of a Business Times interview)](https://dbs.com/media/features/ceo-tan-shu-shan-on-how-agentic-ai-is-transforming-the-bank.page) |
| 34 | [Lloyds](https://www.bankingnewsai.com/banks/lloyds) | 11 | 11 of 20 described use cases in production; e.g. Athena knowledge assistant for colleagues, GitHub Copilot for engineers, Envoy agent platform and Agent Marketplace | AI programme disclosed | Oct 26, 2026 | [Lloyds profile](https://www.bankingnewsai.com/banks/lloyds) | [Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/lloyds-banking-group-unveils-envoy.html); [Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds-banking-group/lloyds-banking-group-deploys-agentic-ai-to-strengthen-real-time-.html) |
| 35 | [RBC](https://www.bankingnewsai.com/banks/rbc) | 11 | 11 of 15 described use cases in production; e.g. ATOM-based retail credit adjudication, RBC Assist employee assistant, Advice Centre generative AI and… | AI programme disclosed | Oct 19, 2026 | [RBC profile](https://www.bankingnewsai.com/banks/rbc) | [Royal Bank of Canada (CNW via Yahoo Finance)](https://finance.yahoo.com/news/rbcs-proprietary-ai-foundation-model-140100158.html); [Royal Bank of Canada (CNW via Yahoo Finance)](https://finance.yahoo.com/news/rbc-ranks-1-canada-3-110100192.html) |
| 36 | [NatWest](https://www.bankingnewsai.com/banks/natwest) | 11 | 11 of 19 described use cases in production; e.g. Cora digital assistant with generative AI, Fraud Triage Agent in Cora, NatWest app in ChatGPT | AI programme disclosed | Oct 26, 2026 | [NatWest profile](https://www.bankingnewsai.com/banks/natwest) | [NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/nwg-annual-report-and-accounts-2025.pdf); [NatWest Group plc](https://investors.natwestgroup.com/~/media/Files/R/RBS-IR-V2/results-center/13022026/ir-fy25-equity-slides.pdf) |
| 37 | [UBS Group AG](https://www.bankingnewsai.com/banks/ubs) | 11 | 11 of 15 described use cases in production; e.g. Red and Microsoft 365 Copilot for all…, Employee-built AI agents and AI Power Hour, Advisor agents and STAAT Insights (US wealth) | AI programme disclosed | Oct 13, 2026 | [UBS Group AG profile](https://www.bankingnewsai.com/banks/ubs) | [UBS Group AG](https://www.ubs.com/global/en/our-firm/what-we-do/technology/innovation-and-ai.html); [UBS Group AG](https://www.ubs.com/global/en/media/display-page-ndp/en-20251016-ai-strategy.html) |
| 38 | [Northern Trust](https://www.bankingnewsai.com/banks/northern-trust) | 11 | 11 of 17 described use cases in production; e.g. NLP and LLM signals in asset management, Rules-based account-lifecycle workflows…, NT Byron agent platform | AI programme disclosed | Oct 13, 2026 | [Northern Trust profile](https://www.bankingnewsai.com/banks/northern-trust) | [Northern Trust](https://www.northerntrust.com/united-states/pr/2026/northern-trust-collaborates-with-industry-peers-to-strengthen-data-and-ai-interoperability); [Northern Trust](https://northerntrust.com/content/dam/northerntrust/pws/nt/documents/earnings/2025/4q-2025-km040886-presentation.pdf) |
| 39 | [OCBC](https://www.bankingnewsai.com/banks/ocbc) | 11 | 11 of 14 described use cases in production; e.g. OCBC GPT and internal Gen AI tools, Source of Wealth Assistant (agentic), Gen AI coaching for wealth advisors | AI programme disclosed | Oct 13, 2026 | [OCBC profile](https://www.bankingnewsai.com/banks/ocbc) | [Oversea-Chinese Banking Corporation](https://ocbc.com/group/media/release/2023/ocbc-is-first-singapore-bank-to-roll-out-generative-ai-chatbot-to-all-employees-globally); [Oversea-Chinese Banking Corporation](https://ocbc.com/group/media/release/2026/ocbc-harnesses-agentic-ai-to-quicken-onboarding-customers) |
| 40 | [Banco Santander](https://www.bankingnewsai.com/banks/santander) | 11 | 11 of 20 described use cases in production; e.g. AI tools for all employees (multi-provider), Process-automation agents, AI in software development | AI programme disclosed | Oct 26, 2026 | [Banco Santander profile](https://www.bankingnewsai.com/banks/santander) | [Banco Santander](https://santander.com/en/stories/santander-turns-its-ai-first-strategy-into-measurable-impact-and-extends-ai-access-to-all-185000-employees); [Banco Santander](https://santander.com/content/dam/santander-com/en/documentos/informe-financiero-anual/2025/ifa-2025-consolidated-annual-financial-report-en.pdf) |

## 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 "inProduction" component (not its percentile). Listed from 3; ties by index score, then assets.

Counts: 136 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.

## FAQ

### Which bank ranks first?

Bank of America leads with 16 use cases: 16 of 18 described use cases in production; e.g. Erica, EricaAssist and employee tools, CashPro Forecasting and Data Intelligence. Commonwealth Bank is second with 16.

### How many large banks have 3+ AI use cases in production?

136 of the 141 profiled banks (120 US, 21 non-US groups); the table shows the top 40. Among those listed, 25 are US banks and 15 non-US groups.

### What counts, and what does not?

Score = the raw value of the "inProduction" component (not its percentile). Listed from 3; 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.

## Related questions

- [Which large banks are the leaders in AI?](https://www.bankingnewsai.com/banks/leaders/ai)
- [Which banks are leading AI adoption in 2026?](https://www.bankingnewsai.com/banks/leaders/ai-adoption-2026)
- [Which large banks describe the most AI use cases?](https://www.bankingnewsai.com/banks/leaders/most-ai-use-cases-described)
- [Which US banks with over $500 billion in assets lead in AI?](https://www.bankingnewsai.com/banks/leaders/top-ai-banks-over-500bn)
- [Which US banks with $100 billion to $500 billion in assets lead in AI?](https://www.bankingnewsai.com/banks/leaders/top-ai-banks-100-500bn)
- [Which US banks with $50 billion to $100 billion in assets lead in AI?](https://www.bankingnewsai.com/banks/leaders/top-ai-banks-50-100bn)
- [Which US regional banks with $20 billion to $50 billion in assets lead in AI?](https://www.bankingnewsai.com/banks/leaders/top-ai-banks-20-50bn)
- [Which US community and mid-size banks under $20 billion in assets lead in AI?](https://www.bankingnewsai.com/banks/leaders/top-ai-banks-under-20bn)
- [All ranked answers](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.