# Which banks lead in payments AI?

Source: https://www.bankingnewsai.com/banks/leaders/payments-ai
Last updated: Oct 23, 2026


Edition: computed from the bank pages as of Oct 21, 2026, methodology at https://www.bankingnewsai.com/banks/ai-index/methodology.

Data as of Oct 21, 2026 · 140 banks profiled · 96 with evidence · 86 sources cited.

By stage and then by dated moves, the banks leading in payments AI are Amex, U.S. Bank, Banco Santander, BofA and JPMorgan: Amex (ACE developer kit (in production) · Embedded fraud controls in B2B payments…); U.S. Bank (Treasury fraud defence (in production) · STAT merchant statement analysis (in…); Banco Santander (Credit-card eligibility at onboarding (Spain) (in production) · Agentic…); BofA (AI-assisted software development (in production) · Person-to-person payment…); JPMorgan (LLM payment validation screening (in production) · LLM Suite and agentic…). 96 of the 140 profiled banks have AI on their page that touches payments, treasury, real-time or instant rails, remittances, merchants, card authorisation or tokenisation; 59 describe such a system in production.

## Which banks have put AI in payments on the record?

The 30 highest of the 96 banks with a use case, or an AI move or figure, that mentions payments, real-time or instant payments (RTP, FedNow), remittances, treasury, merchants, card authorisation or tokenisation. Ranked by the best stage among those use cases, then by the number of dated moves.

| # | Bank | AI index score | Payments AI use cases (stage) | Latest payments AI move | Disclosed figure | Evidence | Status | Date | Sources |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | [Amex](https://www.bankingnewsai.com/banks/american-express) | 93.0 | ACE developer kit (in production) · Embedded fraud controls in B2B payments (in production) · Intent Intelligence framework (announced) | Agentic commerce playbook and merchant advisory council (Oct 8, 2026) | no figure disclosed | 8 dated moves · 4 use cases · 0 figures | In production | Oct 13, 2026 | [American Express](https://www.americanexpress.com/en-us/newsroom/articles/innovation/american-express-debuts-agentic-commerce-experiences--ace--devel.html); [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202607210900BIZWIRE_USPRX____20260721_BW220464-1); [American Express via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202610130930BIZWIRE_USPRX____20261013_BW636634-1) |
| 2 | [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | 81.2 | Treasury fraud defence (in production) · STAT merchant statement analysis (in production) · Elavon Pay Defense (in production) | Healthcare payments automation push (Jun 26, 2026) | no figure disclosed | 5 dated moves · 5 use cases · 0 figures | In production | Jul 22, 2026 | [U.S. Bank](https://www.usbank.com/corporate-and-commercial-banking/insights/risk/mitigation/treasury-dept-partners-using-ai-to-fight-fraud.html); [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/ai-powered-statement-analyzer-simplifies-payment-services-for-small-businesses.html); [U.S. Bancorp via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/36104/000003610426000021/earningscallpresentation.htm) |
| 3 | [Banco Santander](https://www.bankingnewsai.com/banks/santander) | n/a | Credit-card eligibility at onboarding (Spain) (in production) · Agentic payments with Mastercard Agent Pay and Getnet (pilot) | First-half financial report: AI named in Wealth, markets and payments (Jul 21, 2026) | no figure disclosed | 5 dated moves · 2 use cases · 0 figures | In production | Jul 21, 2026 | [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/notas-de-prensa/2026/03/np-2026-03-02-santander-y-mastercard-completan-el-primer-pago-real-ejecutado-por-un-agente-de-ia-en-europa-en.pdf); [Finextra](https://finextra.com/newsarticle/47371/santander-and-mastercard-complete-europes-first-live-agentic-ai-transaction) |
| 4 | [BofA](https://www.bankingnewsai.com/banks/bank-of-america) | 97.3 | AI-assisted software development (in production) · Person-to-person payment fraud analysis (in production) · AskGPS knowledge assistant (in production) | AskGPS Intelligence Hub and CashPro Payments Insights launch (Sep 28, 2026) | Person-to-person payments analysed for fraud by AI: 7 million (Nov 17, 2025) | 4 dated moves · 4 use cases · 1 figure | In production | Sep 28, 2026 | [Bank of America (SEC filings)](https://www.sec.gov/Archives/edgar/data/70858/000007085826000353/bac06302026ex992.htm); [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/news/bofa-bac-q4-2025-earnings-183412441.html); [American Banker](https://americanbanker.com/news/revenue-opportunities-everywhere-bofas-tech-chief-on-ai) |
| 5 | [JPMorgan](https://www.bankingnewsai.com/banks/jpmorgan-chase) | 89.8 | LLM payment validation screening (in production) · LLM Suite and agentic workflows (in production) · Fraud and AML analytics (in production) | Lockbox robots and an LLM assistant (Jun 5, 2026) | no figure disclosed | 4 dated moves · 4 use cases · 0 figures | In production | Jun 9, 2026 | [J.P. Morgan](https://www.jpmorgan.com/insights/payments/security-trust/ai-payments-efficiency-fraud-reduction); [CNBC](https://www.cnbc.com/2026/06/09/jpmorgan-chase-ai-agents.html); [American Banker](https://www.americanbanker.com/news/jpmorganchases-gill-haus-is-40-on-the-most-innovative-people-in-finance-ranking) |
| 6 | [FNBO](https://www.bankingnewsai.com/banks/fnbo) | 53.2 | Partnership-led innovation in commercial payments (in production) · dhango embedded payments as originating bank (announced) · MediStreams payment and remittance automation for healthcare clients (announced) | MediStreams healthcare payment automation agreement (Apr 20, 2026) | no figure disclosed | 4 dated moves · 3 use cases · 0 figures | In production | Apr 20, 2026 | [FNBO](https://www.fnbo.com/insights/commercial-business/2025/how-fnbo-is-driving-innovation-through-strategic-partnerships); [dhango (Business Wire)](https://businesswire.com/news/home/20260127944808/en/dhango-Partners-with-FNBO-to-Bring-Fast-Scalable-Embedded-Payments-to-SaaS-Platforms); [MediStreams (Business Wire)](https://businesswire.com/news/home/20260420251113/en/MediStreams-to-Enhance-Healthcare-Payment-Automation-and-Reconciliation-With-FNBO) |
| 7 | [Scotiabank](https://www.bankingnewsai.com/banks/scotiabank) | n/a | Predictive UX payment prompts (in production) · AI-enabled security (rolling out) · Payments Client Insight Report agents (Microsoft, EY) (pilot) | Predictive UX: 260,000 clients reminded, 92% completed payments (Jul 24, 2026) | no figure disclosed | 4 dated moves · 3 use cases · 0 figures | In production | Aug 25, 2026 | [Scotiabank](https://scotiabank.com/ca/en/about/perspectives.articles.digital.2026-07-predictive-ux-ai-artificial-intelligence-banking.html); [Google Patents (CIPO)](https://patents.google.com/patent/CA3150518C/en); [Scotiabank (The Bank of Nova Scotia)](https://scotiabank.com/content/dam/scotiabank/corporate/quarterly-reports/2026/q3/Q326_Shareholders_Report-EN.pdf) |
| 8 | [Citi](https://www.bankingnewsai.com/banks/citigroup) | 94.7 | Feedzai payments fraud prevention (Treasury and Trade Solutions) (in production) · Agentic payments (rolling out) | Payments chief: no AI model to authorise payments (Oct 1, 2026) | no figure disclosed | 4 dated moves · 2 use cases · 0 figures | In production | Oct 1, 2026 | [Feedzai](https://feedzai.com/feedzai-solutions-lp); [Feedzai](https://feedzai.com/pressrelease/feedzai-raises-200-million-growth-investment-led-by-kkr); [American Banker](https://www.americanbanker.com/news/citis-pam-habner-is-23-on-the-most-innovative-people-in-finance-ranking) |
| 9 | [BNY](https://www.bankingnewsai.com/banks/bny-mellon) | 89.6 | Payments digital employees (in production) · AI review of restricted-party screening and communications surveillance (in production) | AI named as a factor amplifying payments fraud (Sep 17, 2026) | no figure disclosed | 4 dated moves · 2 use cases · 0 figures | In production | Sep 17, 2026 | [Microsoft WorkLab](https://www.microsoft.com/en-us/worklab/the-making-of-a-frontier-firm-how-ai-is-redesigning-work-at-bny); [Fortune](https://fortune.com/2026/07/28/bny-skipped-tokenmaxxing-craze-what-ai-metrics-tracks-cfo/); [Behavox (Business Wire)](https://www.businesswire.com/news/home/20250417745701/en/BNY-Upgrades-Compliance-Monitoring-by-Completing-Implementation-of-Behavox-Quantum-AI) |
| 10 | [Commonwealth Bank](https://www.bankingnewsai.com/banks/commonwealth-bank) | n/a | Scam and fraud detection across payments (in production) · AI bots that engage and disrupt scammers (Apate.ai) (in production) · Detecting abuse in transaction descriptions (in production) | AGM: Comyn calls for AI regulation to keep pace (Oct 14, 2026) | Real-time machine learning models in the Customer Engagement Engine: over 2,000 (Jun 30, 2026) | 3 dated moves · 4 use cases · 1 figure | In production | Oct 14, 2026 | [Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/02/cba-approach-to-adopting-ai-report-announcement.html); [Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/04/ai-agent-spots-fraud-in-real-time.html); [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA%202026%20Half%20Year%20Results%20Transcript.pdf) |
| 11 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | 75.3 | AI fraud and deepfake detection (stated) (in production) · cubiX MCP server and agentic-payment interface (in production) · Agentic commercial onboarding and cubiX agentic interface (pilot) | cubiX page lists an MCP server and agentic-payment readiness (Jun 10, 2026) | no figure disclosed | 3 dated moves · 4 use cases · 0 figures | In production | Jul 24, 2026 | [Customers Bank](https://customersbank.com/whos-responsible-for-keeping-your-financial-information-safe); [Customers Bank](https://customersbank.com/digital-payments); [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-customers-bancorp-posts-strong-q2-2026-growth-93CH-4812021) |
| 12 | [Optum Bank](https://www.bankingnewsai.com/banks/optum-bank) | 39.7 | Enterprise AI programme (UnitedHealth and Optum) (in production) · Optum Real with Microsoft, the claims platform to be joined to Optum Financial payments (rolling out) · Optum Real revenue cycle joined to Optum Financial payments (announced) | Optum Real expands with Microsoft (Mar 5, 2026) | no figure disclosed | 3 dated moves · 3 use cases · 0 figures | In production | Jul 16, 2026 | [UnitedHealth Group](https://unitedhealthgroup.com/content/dam/UHG/PDF/investors/2026/unh-q2-2026-remarks.pdf); [Optum](https://optum.com/en/newsroom/health-tech/optum-real-expands-microsoft-improve-provider-experience.html); [UnitedHealth Group](https://unitedhealthgroup.com/content/dam/UHG/PDF/investors/2025/unh-q4-2025-remarks.pdf) |
| 13 | [SoFi](https://www.bankingnewsai.com/banks/sofi) | 80.8 | AI/ML real-time payment-risk platform for clients (in production) · Galileo Instant Verification Engine and Transaction Risk GScore (in production) | Q2 10-Q: Composer and Peach acquisitions closed (Aug 6, 2026) | no figure disclosed | 3 dated moves · 2 use cases · 0 figures | In production | Aug 6, 2026 | [SEC (SoFi Technologies 10-Q)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000054/sofi-20260630.htm); [Galileo (Business Wire)](https://www.businesswire.com/news/home/20240910452642/en/Galileo-Launches-Instant-Account-Verification-and-Machine-Learning-Risk-Score-to-Secure-Financial-Transactions-Amid-Escalating-Cyber-Threats); [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/sofi-sofi-q1-2026-earnings-call-transcript/) |
| 14 | [Commerce](https://www.bankingnewsai.com/banks/commerce) | 34.0 | Temenos core, origination and payments platform (in production) · Client guidance on AI-driven payments fraud (announced) | Merchant-services guidance on AI fraud scoring (Jun 25, 2026) | no figure disclosed | 3 dated moves · 2 use cases · 0 figures | In production | Aug 31, 2026 | [Temenos](https://temenos.com/news/2024/02/20/top-us-bank-commerce-goes-live-with-loan-origination-on-temenos-banking-platform); [Temenos](https://temenos.com/press_release/top-us-bank-commerce-bank-goes-live-on-the-fednow-service-with-temenos); [Commerce Bank](https://www.commercebank.com/business/trends-and-insights/2025/payments-fraud-past-lessons-present-threats-future-defenses) |
| 15 | [Standard Chartered](https://www.bankingnewsai.com/banks/standard-chartered) | n/a | Trust AI Ask at Trust Bank (in production) · A*STAR lab: fraud detection, portfolio optimisation and natural-language access (announced) | Trust Bank launches the Trust AI Ask chatbot (Sep 8, 2026) | no figure disclosed | 3 dated moves · 2 use cases · 0 figures | In production | Sep 11, 2026 | [The Straits Times](https://www.straitstimes.com/tech/singapore-banks-up-ai-game-in-apps-with-spending-checks-for-retail-customers); [The Straits Times](https://www.straitstimes.com/singapore/stanchart-astar-in-15-million-ai-partnership-to-speed-up-customer-checks) |
| 16 | [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | 63.4 | Commercial fraud-protection products (in production) | Q1 2026 call: two large technology projects (Apr 22, 2026) | no figure disclosed | 3 dated moves · 1 use case · 0 figures | In production | Apr 22, 2026 | [BankUnited](https://bankunited.com/resource-corner/video--protect-yourself-from-check-fraud); [Yahoo Finance](https://finance.yahoo.com/news/bankunited-bku-q4-2025-earnings-155351688.html); [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bankunited-misses-q1-2026-eps-estimates-93CH-4629756) |
| 17 | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | 90.3 | Payments fraud defence (in production) · Integrated receivables (in production) · Banker call summaries and payments intelligence (in production) | Payments head: 335 AI experiments, 26 in production (May 5, 2026) | Use cases enabled by the AI platform: 85% (payments business) (May 5, 2026) | 2 dated moves · 4 use cases · 2 figures | In production | Jun 1, 2026 | [American Banker](https://www.americanbanker.com/news/wells-fargos-ather-williams-is-32-on-the-most-innovative-people-in-finance-ranking); [Wells Fargo](https://www.wellsfargo.com/com/insights/protect-payments-as-ai-changes-landscape/); [Wells Fargo](https://www.wellsfargo.com/com/insights/how-ir-takes-pain-from-receivable-posting/) |
| 18 | [DBS](https://www.bankingnewsai.com/banks/dbs) | n/a | AI fraud and scam monitoring (in production) · Agentic commerce with Visa Intelligent Commerce (pilot) · Stripe partnership on agentic commerce (announced) | DBS and Stripe partner on agentic commerce (Aug 27, 2026) | no figure disclosed | 2 dated moves · 3 use cases · 0 figures | In production | Aug 27, 2026 | [DBS Group Holdings](https://dbs.com/artificial-intelligence-machine-learning/artificial-intelligence/ethical-and-responsible-ai-in-banking.html); [DBS Group Holdings](https://dbs.com/artificial-intelligence-machine-learning/artificial-intelligence/agentic-ai-is-here-are-we-ready-to-govern-it.html); [DBS Group Holdings](https://dbs.com/newsroom/DBS_is_first_bank_in_Asia_Pacific_to_pilot_Visa_Intelligent_Commerce_for_everyday_payments) |
| 19 | [ING](https://www.bankingnewsai.com/banks/ing) | n/a | Wholesale banking front-office AI (in production) · Agentic payments with Worldline and Mastercard (pilot) · Agentic payment with Visa Payment Passkeys (Germany) (pilot) | Live agentic payment with Visa and Worldline in Germany (Jul 2, 2026) | no figure disclosed | 2 dated moves · 3 use cases · 0 figures | In production | Oct 14, 2026 | [ING Groep N.V. (SEC filing)](https://www.sec.gov/Archives/edgar/data/0001039765/000162828026011979/ing-20251231.htm); [Computer Weekly](https://www.computerweekly.com/news/366651975/ING-deliberately-started-AI-journey-the-hard-way); [Finextra](https://finextra.com/newsarticle/47844/ing-complete-live-end-to-end-european-agentic-payment-transaction) |
| 20 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | 86.6 | Brex agentic payments (in production) · Databolt (Capital One Software) (in production) | ProtectID launches for dealers (Jul 23, 2025) | no figure disclosed | 2 dated moves · 2 use cases · 0 figures | In production | Apr 8, 2026 | [American Banker](https://www.americanbanker.com/payments/news/capital-one-closes-brex-acquisition); [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202603230900BIZWIRE_USPRX____20260323_BW156095-1); [Capital One](https://www.capitalone.com/about/newsroom/capital-one-auto-unveils-real-time-fraud-detection-tool) |
| 21 | [Fifth Third](https://www.bankingnewsai.com/banks/fifth-third) | 83.7 | Newline MCP server with Skills (in production) · Anthropic Project Glasswing access (announced) | CIO: about 1,000 engineers on AI tools, caution on agents (Jun 1, 2026) | no figure disclosed | 2 dated moves · 2 use cases · 0 figures | In production | Jun 10, 2026 | [Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html); [PYMNTS](https://pymnts.com/cybersecurity/2026/anthropic-recruits-fifth-third-for-project-glasswing-ai-cybersecurity-initiative); [American Banker](https://www.americanbanker.com/news/fifth-thirds-cio-jude-schramm-is-28-on-the-most-innovative-people-in-finance-ranking) |
| 22 | [BMO](https://www.bankingnewsai.com/banks/bmo-us) | 85.6 | Next Best Offer with Codat (in production) · SmartDecision insurance underwriting (in production) | SmartDecision AI-enhanced insurance underwriting (Jul 9, 2026) | no figure disclosed | 2 dated moves · 2 use cases · 0 figures | In production | Aug 6, 2026 | [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); [CNW via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607090730CANADANWCANADAPR_C9043-1) |
| 23 | [Santander US](https://www.bankingnewsai.com/banks/santander-us) | 89.6 | Agentic commerce via Getnet (in production) · Agent-initiated payments with Mastercard and Visa (group) (rolling out) | Getnet accepts AI-agent payments (Jun 9, 2026) | no figure disclosed | 2 dated moves · 2 use cases · 0 figures | In production | Jun 9, 2026 | [PYMNTS](https://www.pymnts.com/news/b2b-payments/2026/santanders-getnet-plugs-merchants-into-agentic-commerce/); [Banco Santander](https://www.santander.com/en/press-room/press-releases/2026/03/santander-and-mastercard-complete-europes-first-live-end-to-end-payment-executed-by-an-ai-agent); [PYMNTS](https://pymnts.com/partnerships/2026/santander-and-visa-launch-latam-agentic-payments-project) |
| 24 | [Merchants Bank of Indiana](https://www.bankingnewsai.com/banks/merchants-indiana) | 1.8 | Wire-fraud customer education (in production) · Clarifire workflow automation for loss mitigation (not AI) (announced) | HousingWire reports Merchants Bank chose Clarifire for loss mitigation (Dec 18, 2025) | no figure disclosed | 2 dated moves · 2 use cases · 0 figures | In production | Dec 18, 2025 | [Merchants Bank of Indiana](https://merchantsbankofindiana.com/what-to-know-before-you-wire-money); [HousingWire](https://housingwire.com/articles/clarifire-ai-automation-2025) |
| 25 | [Truist](https://www.bankingnewsai.com/banks/truist) | 84.6 | Wholesale underwriting and adviser analytics (in production) | Enterprise payments head: agents will look like the customer (Jun 16, 2026) | no figure disclosed | 2 dated moves · 1 use case · 0 figures | In production | Jun 16, 2026 | [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/truist-tfc-q1-2026-earnings-144706029.html); [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm); [American Banker](https://www.americanbanker.com/payments/news/banks-arent-ready-for-ai-agents-moving-money-experts-warn) |
| 26 | [Central Bank](https://www.bankingnewsai.com/banks/central-bancompany) | 24.8 | In-house digital and treasury platforms (in production) · Core modernisation to real-time, API-based systems (rolling out) · TCS BaNCS as the replacement core (rolling out) | Bank release on the largest modernisation in its history (Jul 15, 2026) | no figure disclosed | 1 dated move · 4 use cases · 0 figures | In production | Jul 15, 2026 | [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm); [Fintech Futures](https://fintechfutures.com/core-banking-technology/us-based-central-bank-taps-tcs-for-core-banking-upgrade); [Central Bank (company news)](https://www.centralbank.net/central-bancompany/recent-news/how-two-women-are-powering-the-largest-modernization-in-company-history/) |
| 27 | [City National Florida](https://www.bankingnewsai.com/banks/city-national-florida) | 26.9 | ACH and check Positive Pay, debit block and filtering (in production) · Card Control in the mobile app (in production) · ePartner treasury platform (in production) | ePartner treasury platform promoted for scalable payables (May 19, 2026) | no figure disclosed | 1 dated move · 3 use cases · 0 figures | In production | Oct 14, 2026 | [City National Bank of Florida](https://www.citynational.com/treasury-management/fraud-prevention); [City National Bank of Florida](https://www.citynational.com/post/card-control-enhancing-your-digital-wallet-experience); [City National Bank of Florida](https://www.citynational.com/post/how-growing-businesses-can-modernize-payables) |
| 28 | [Busey Bank](https://www.bankingnewsai.com/banks/busey) | 44.8 | Payment technology solutions (in production) · Robotic process automation (in production) | Robotic process automation in the back office (Nov 11, 2021) | no figure disclosed | 1 dated move · 2 use cases · 0 figures | In production | Apr 28, 2026 | [First Busey Corporation](https://ir.busey.com/static-files/e566cc4a-c381-404d-a3b6-e8d0a79aced4); [American Banker](https://www.americanbanker.com/news/leaving-the-morale-crushing-tasks-to-robots) |
| 29 | [Enterprise Bank & Trust](https://www.bankingnewsai.com/banks/enterprise-bank) | 34.5 | Annual fraud-protection guidance (in production) · AI-fraud awareness for business clients (in production) | Client guidance on AI-powered fraud (Oct 2, 2025) | no figure disclosed | 1 dated move · 2 use cases · 0 figures | In production | Dec 17, 2025 | [Enterprise Bank & Trust](https://enterprisebank.com/insights/decoding-the-deception-protect-your-business-against-fraud-in-2025); [Enterprise Bank & Trust](https://www.enterprisebank.com/insights/strengthen-against-ai-fraud); [Enterprise Bank & Trust](https://enterprisebank.com/insights/automation-efficiency-resilience) |
| 30 | [First United Bank](https://www.bankingnewsai.com/banks/first-united) | 26.7 | Business fraud education: AI-generated fake invoices (in production) · ISO 20022 payments readiness (in production) | Business owners warned about AI-generated fake invoices (Nov 13, 2025) | no figure disclosed | 1 dated move · 2 use cases · 0 figures | In production | Nov 13, 2025 | [First United Bank](https://www.firstunitedbank.com/spendlifewisely/business-lessons-2025-will-shape-2026); [First United Bank](https://www.firstunitedbank.com/spendlifewisely/understanding-iso-20022-preparing-future-payments) |

## Which banks lead in payments AI within each size tier?

The same ranking within size tiers; the headline is the lead use case, or the latest move where none is described.

| Tier | Overall rank | Bank | Headline |
| --- | --- | --- | --- |
| US banks over $500bn | #2 | [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | Treasury fraud defence (in production) · STAT merchant statement analysis (in production) · Elavon Pay Defense (in… |
| US banks over $500bn | #4 | [BofA](https://www.bankingnewsai.com/banks/bank-of-america) | AI-assisted software development (in production) · Person-to-person payment fraud analysis (in production) · AskGPS… |
| US banks over $500bn | #5 | [JPMorgan](https://www.bankingnewsai.com/banks/jpmorgan-chase) | LLM payment validation screening (in production) · LLM Suite and agentic workflows (in production) · Fraud and AML… |
| US banks over $500bn | #8 | [Citi](https://www.bankingnewsai.com/banks/citigroup) | Feedzai payments fraud prevention (Treasury and Trade Solutions) (in production) · Agentic payments (rolling out) |
| US banks, $100bn to $500bn | #1 | [Amex](https://www.bankingnewsai.com/banks/american-express) | ACE developer kit (in production) · Embedded fraud controls in B2B payments (in production) · Intent Intelligence… |
| US banks, $100bn to $500bn | #9 | [BNY](https://www.bankingnewsai.com/banks/bny-mellon) | Payments digital employees (in production) · AI review of restricted-party screening and communications surveillance… |
| US banks, $100bn to $500bn | #21 | [Fifth Third](https://www.bankingnewsai.com/banks/fifth-third) | Newline MCP server with Skills (in production) · Anthropic Project Glasswing access (announced) |
| US banks, $100bn to $500bn | #22 | [BMO](https://www.bankingnewsai.com/banks/bmo-us) | Next Best Offer with Codat (in production) · SmartDecision insurance underwriting (in production) |
| US banks under $100bn | #6 | [FNBO](https://www.bankingnewsai.com/banks/fnbo) | Partnership-led innovation in commercial payments (in production) · dhango embedded payments as originating bank… |
| US banks under $100bn | #11 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | AI fraud and deepfake detection (stated) (in production) · cubiX MCP server and agentic-payment interface (in… |
| US banks under $100bn | #12 | [Optum Bank](https://www.bankingnewsai.com/banks/optum-bank) | Enterprise AI programme (UnitedHealth and Optum) (in production) · Optum Real with Microsoft, the claims platform to… |
| US banks under $100bn | #13 | [SoFi](https://www.bankingnewsai.com/banks/sofi) | AI/ML real-time payment-risk platform for clients (in production) · Galileo Instant Verification Engine and… |
| Non-US banking groups | #3 | [Banco Santander](https://www.bankingnewsai.com/banks/santander) | Credit-card eligibility at onboarding (Spain) (in production) · Agentic payments with Mastercard Agent Pay and Getnet… |
| Non-US banking groups | #7 | [Scotiabank](https://www.bankingnewsai.com/banks/scotiabank) | Predictive UX payment prompts (in production) · AI-enabled security (rolling out) · Payments Client Insight Report… |
| Non-US banking groups | #10 | [Commonwealth Bank](https://www.bankingnewsai.com/banks/commonwealth-bank) | Scam and fraud detection across payments (in production) · AI bots that engage and disrupt scammers (Apate.ai) (in… |
| Non-US banking groups | #15 | [Standard Chartered](https://www.bankingnewsai.com/banks/standard-chartered) | Trust AI Ask at Trust Bank (in production) · A*STAR lab: fraud detection, portfolio optimisation and natural-language… |

## How is this ranking computed?

Inclusion: a use case whose name or detail mentions payment, real-time, RTP, FedNow, instant payments, remittance, treasury services or cash management, merchant, card authorisation or tokenisation, or a timeline move or number that mentions one of those and also describes AI, models, assistants, agents or automation (enforcement and penalty entries excluded). Order: best stage among those use cases (in production, rolling out, pilot, announced, then none), then dated moves, then use cases, then figures, then assets.

Use cases can sit in any category on the bank's page (fraud, agents, customer assistants); the payments test is on their text, so a card-fraud model and an agentic-payments pilot both count.

## What are the caveats?

Payments fraud models dominate the record because banks disclose them most; a high rank often reflects fraud screening on payments rather than AI in payment processing itself. The use-case column names each system.

Payment rails and blockchain settlement are not AI and do not count on their own; a timeline move about joining RTP or FedNow is counted only if it also describes AI or automation.

## How does this differ from the AI index?

The AI index scores AI disclosure across every business line; this page keeps only AI that touches payments, treasury and merchant services and ranks by stage and dated moves. The AI index and its method: https://www.bankingnewsai.com/banks/ai-index.

## FAQ

### Which bank leads in payments AI?

American Express: ACE developer kit (in production) · Embedded fraud controls in B2B payments (in production); 8 dated payments AI moves on its page.

### How many banks use AI in payments?

96 of the 140 profiled banks have payments, treasury or merchant AI on the record; 59 describe a system in production.

### Which banks are piloting agentic payments?

Banks with an agent-related payments entry: Amex, U.S. Bank, Banco Santander, JPMorgan, Scotiabank and Citi.

### Which banks use AI in treasury services?

Banks whose payments AI mentions treasury: U.S. Bank, BofA, Citi, Standard Chartered, BankUnited and Central Bank.

### How does this relate to the fraud ranking?

The fraud and credit ranking counts all fraud and AML models; this page counts only AI whose description touches payments, so it includes payment-fraud screening but also treasury assistants, merchant tools and agentic payments, and excludes fraud models outside payments.

## 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): 100 of 140 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): Citizens Business Bank, Synchrony and Banner Bank, by named AI councils, risk frameworks and responsible-AI officers.
- [AI adoption in 2026](https://www.bankingnewsai.com/banks/leaders/ai-adoption-2026): Amex, Citi and SoFi, 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 140 banks have an agent in production.
- [Generative AI with customers](https://www.bankingnewsai.com/banks/leaders/generative-ai-customer-facing): 32 of 140 banks have one in production; BBVA, BNP Paribas and Société Générale lead on stage and scale.
- [Fraud and credit AI](https://www.bankingnewsai.com/banks/leaders/fraud-and-credit-ai): Zions, Citi and Western Alliance; 104 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, Lloyds and UBS Group AG, 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; 9 banks disclose auto-finance automation or AI, 6 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): 69 banks qualify; Raymond James, Schwab and Morgan Stanley lead on stage and depth of wealth and adviser AI.
- [Compliance AI](https://www.bankingnewsai.com/banks/leaders/compliance-ai): Deutsche Bank, TD and BNY, 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 rankings](https://www.bankingnewsai.com/banks/leaders)

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