Banks · leaders · proprietary platforms

Which large banks have built proprietary AI platforms?

Data as of Oct 6, 2026 · 140 banks profiled · 99 with evidence · 87 sources cited · page updated Oct 15, 2026

99 of the 140 profiled banks have named an in-house AI platform or programme on the record. Ranked by the depth of what they disclose about AI, the leaders are BofA (Erica (and EricaAssist)), TD (Layer 6 and TD AI Prism), Citi (Citi Stylus Workspaces), Amex (Agentic Commerce Experiences (ACE) and Amex Agent Purchase Protection) and Commonwealth Bank (AI Factory, Customer Engagement Engine and CommBank Companion). BofA's Erica (and EricaAssist): Erica interactions: 3 billion+ cumulative; 2 million a day (Jan 22, 2026); TD's Layer 6 and TD AI Prism: Layer 6 use cases / patents: ≈ 100 / 150+ (Jan 16, 2026); Citi's Citi Stylus Workspaces: scale not disclosed; Amex's Agentic Commerce Experiences (ACE) and Amex Agent Purchase Protection: scale not disclosed; Commonwealth Bank's AI Factory, Customer Engagement Engine and CommBank Companion: Measured gross benefits from AI use cases (including reinvested capacity): about A$200 million in FY26, of which about A$100 million incremental in-year; expected to double in FY27 and exceed investment (Jun 30, 2026). 41 banks run AI without naming a platform, or have disclosed none.

Data as of Oct 6, 2026 · 140 banks profiled (120 US, 20 non-US) · 99 with evidence on this topic · 87 sources cited below · ranked answer, not a comparison · Which large banks have built proprietary AI platforms? (AI index)

Which banks have named a proprietary AI platform, and at what scale?

The 30 highest-scoring of the 99 banks whose page names a flagship AI platform or programme, in AI-score order. The scale column quotes the first disclosed number on the bank's page that mentions the platform by name; "scale not disclosed" means the bank has named the platform but published no figure for it.

#BankPlatformWhat it isDisclosed scaleTypeStatusDateSources
1BofAErica (and EricaAssist)The AI virtual assistant launched in 2018 — nearly 50 million users and more than 3 billion interactions by August 2025 — now also runs as EricaAssist, an…Erica interactions: 3 billion+ cumulative; 2 million a day (Jan 22, 2026)Employee assistantNamed platformOct 1, 2026Bank of America Newsroom ↗ · Bank of America Newsroom ↗ · American Banker ↗
2TDLayer 6 and TD AI PrismLayer 6, the AI research centre TD acquired in 2018, builds the group's models in-house: TD AI Prism, a predictive foundation model launched in June 2025 after three…Layer 6 use cases / patents: ≈ 100 / 150+ (Jan 16, 2026)Model layer / orchestrationNamed platformJun 1, 2026TD Bank Group ↗ · TD Bank Group ↗ · TD Bank Group ↗
3CitiCiti Stylus WorkspacesThe most broadly available AI tool for Citi staff, rolled out in late 2024scale not disclosedEmployee assistantNamed platformJul 8, 2026The Wall Street Journal ↗ · Citigroup ↗
4AmexAgentic Commerce Experiences (ACE) and Amex Agent Purchase ProtectionLaunched April 14, 2026, the ACE developer kit lets businesses integrate Amex payments into their AI-agent experiences, and Amex Agent Purchase Protection extends the…scale not disclosedCustomer-facing assistantNamed platformApr 16, 2026American Express via FT Markets ↗ · American Express via FT Markets ↗ · American Banker ↗
5Commonwealth BankAI Factory, Customer Engagement Engine and CommBank CompanionCommBank runs AI on several named layersMeasured gross benefits from AI use cases (including reinvested capacity): about A$200 million in FY26, of which about A$100 million incremental in-year; expected to double in FY27 and exceed investment (Jun 30, 2026)Employee assistantNamed platformSep 18, 2026Commonwealth Bank of Australia ↗ · Commonwealth Bank of Australia ↗ · OpenAI ↗
6HSBCHSBC Productivity Suite and the central AI platformHSBC's 2025 annual report says its HSBC Productivity Suite tool, which summarises, analyses and translates documents, was available to around 85% of colleagues, and…Total assets (HSBC Holdings plc): US$3,438,161m (Jun 30, 2026)Employee assistantNamed platformOct 5, 2026HSBC Holdings plc ↗ · HSBC Holdings plc ↗ · HSBC Holdings plc ↗
7Wells FargoFargo and the Google Cloud agent stackFargo, the consumer virtual assistant built on Google's conversational AI, went to 21.3 million interactions in 2023 and 245 million in 2024 without customer data…Fargo interactions: 245 million (2024); 336 million since launch (Apr 8, 2025)Employee assistantNamed platformMar 26, 2026Wells Fargo ↗ · VentureBeat ↗ · American Banker ↗
8BNYElizaBNY's enterprise AI platform, on which nearly all employees are trainedEmployees on Eliza / AI solutions / digital employees / AI patent applications: 99% / 160 / 134 / > 60 (Dec 31, 2025)Employee assistantNamed platformOct 1, 2026BNY ↗ · BNY ↗ · The Wall Street Journal ↗
9DBSADA, DBS-GPT and the agent control planeDBS describes three layersscale not disclosedEmployee assistantNamed platformOct 5, 2026DBS Group Holdings ↗ · DBS Group Holdings (reprint of a Business Times interview) ↗ · Computer Weekly ↗
10JPMorganLLM SuiteA proprietary abstraction layer through which third-party models (OpenAI, Anthropic and others) are swapped in and outLLM Suite access (American Banker figure; the bank cites 200,000+ users and 150,000 weekly): ≈ 250,000 employees, about half daily users (Apr 29, 2026)Model layer / orchestrationNamed platformApr 29, 2026American Banker ↗ · American Banker ↗ · JPMorganChase ↗
11Santander USONE Transformation: shared platforms, AI for every employee, agentic commerceSantander's AI sits inside ONE Transformation, the group programme to run common technology platforms across its marketsAI mentions in SHUSA's Q2 2026 10-Q: None (text search of the filing) (Jul 31, 2026)Employee assistantNamed platformAug 20, 2026Bloomberg ↗ · PYMNTS ↗ · PYMNTS ↗
12CitizensCiZi and the cloud-native coreCiZi, the AI assistant in the Citizens mobile app, has cut mobile-banking call volume by 44%CiZi effect on call volume: −44% (Jun 1, 2026)AI programmeNamed platformJun 1, 2026American Banker ↗ · American Banker ↗ · Citizens Financial Group ↗
13LloydsEnvoy agent platform, Microsoft 365 E7 and the Group LLM platformLloyds' own platform for agents is Envoy, unveiled in 2026: built with Google Cloud, it provides templates, built-in safety and risk checks with human oversight in key…scale not disclosedEmployee assistantNamed platformOct 5, 2026Lloyds Banking Group ↗ · Lloyds Banking Group ↗ · Lloyds Banking Group ↗
14RegionsAI-driven banker platforms on a modernised stackRegions frames AI as a layer on a technology modernisation that CEO John Turner says now 'touches every layer of our technology stack and every business channel and…New business opportunities generated by AI-driven platforms: 35% (Jan 16, 2026)Customer-facing assistantNamed platformJan 16, 2026PYMNTS ↗ · American Banker ↗ · Regions Financial (SEC filing) ↗
15BMOLumi, Aura and the Institute for Applied AI & QuantumLumi Assistant gives Team BMO instant access to more than 8,000 policies and procedures in English and Frenchscale not disclosedAI programmeNamed platformAug 6, 2026BMO ↗ · BMO AI Hub ↗ · BMO ↗
16Raymond JamesRai, AI Search and the advisor desktopRaymond James frames AI around three pillars: data-driven insights for client advice, enhanced service models, and secure, scalable applicationsscale not disclosedEmployee assistantNamed platformJan 27, 2026Raymond James ↗ · GlobeNewswire via FT Markets ↗ · Raymond James ↗
17HuntingtonAgentic process transformation, run from financeHuntington's AI program is led by CFO Zach Wasserman, who also runs strategy and data analyticsscale not disclosedData and ML platformNamed platformApr 24, 2026Fortune ↗ · American Banker ↗ · The Wall Street Journal (Deloitte CFO Journal) ↗
18Standard CharteredAI Factory and the single enterprise AI platform (with SC GPT)Standard Chartered describes a centralised AI Factory platform that lets it build and deploy solutions quickly, SC GPT as its own LLM tool for colleagues (launched…Core AI platform workload: Hundreds of models and use cases; tens of billions of tokens processed regularly (May 19, 2026)Employee assistantNamed platformOct 5, 2026Standard Chartered PLC ↗ · Standard Chartered PLC ↗ · Standard Chartered PLC ↗
19Fifth ThirdJeanie and the Newline MCP serverJeanie, the AI assistant in the Fifth Third mobile app, won the 2026 Tearsheet Best Chatbot awardJeanie intent-recognition accuracy / self-service containment: ≈ 20% → ≈ 90% / 3% → 42% since launch (Aug 12, 2026)Customer-facing assistantNamed platformAug 12, 2026Fifth Third ↗ · Fifth Third via FT Markets ↗ · Fifth Third (Business Wire via Yahoo Finance) ↗
20RBCLumina, ATOM and RBC AssistRBC Lumina is the bank's internal enterprise data and AI platform, built by RBC Borealisscale not disclosedModel layer / orchestrationNamed platformOct 5, 2026Royal Bank of Canada (CNW via Yahoo Finance) ↗ · Royal Bank of Canada (CNW via Yahoo Finance) ↗ · Royal Bank of Canada ↗
21Deutsche BankdbLumina and the Technology, Data and Innovation AI platform on Google CloudDeutsche Bank's Technology, Data and Innovation (TDI) division runs a central programme that sets technical and operational standards and guardrails and provides an AI…dbLumina reach: Over half of employees (Oct 5, 2026)Employee assistantNamed platformOct 14, 2026Deutsche Bank ↗ · Finextra ↗ · Deutsche Bank ↗
22TruistTruist Insights and the 'digital teammates'Truist Insights, the personalisation engine, has delivered more than 2 billion proactive financial insights since 2023Truist Assist requests since 2023 / handled end-to-end by AI: 12.5 million+ / 9 million+ (Mar 31, 2026)AI programmeNamed platformSep 16, 2026Truist via FT Markets ↗ · American Banker ↗ · Truist Financial (SEC filing) ↗
23GoldmanGS AI Platform and GS AI AssistantA firm-hosted platform for generative-AI assistants, extended to all 46,000 employees in July 2025 and answering more than a million prompts a monthEmployees with GS AI Assistant: 46,000 (all) (Jul 25, 2025)Employee assistantNamed platformJun 1, 2026American Banker ↗ · American Banker ↗ · Goldman Sachs (SEC filing) ↗
24HSBC USAThe group AI programme: Google Cloud, Mistral and a central model platformHSBC's AI strategy is set in London and lands in the United States through the group's platformsReported AI-linked job cuts under consideration (group): ≈ 20,000 (about 10% of the global workforce) (Apr 1, 2026)Employee assistantNamed platformJul 27, 2026Banking Dive ↗ · Banking Dive ↗ · Bloomberg ↗
25KeyBankConversational AI in the contact centre and 'cognitive banking' in the appKeyBank's two visible AI bets are operationalscale not disclosedAI programmeNamed platformJun 23, 2026PYMNTS ↗ · Banking Dive ↗ · American Banker ↗
26U.S. BankIn-house tools from the AI Center of ExcellenceRather than one flagship assistant, U.Sscale not disclosedEmployee assistantNamed platformMay 26, 2026U.S. Bank ↗ · American Banker ↗ · U.S. Bank ↗
27UBS Group AGUBS Claves, Red and Microsoft 365 Copilot under the Chief AI OfficeUBS runs AI in a hub-and-spoke model: the Chief AI Office, inside the Group Chief Operating Office, owns strategy, governance, regulatory engagement and capability…Oxford-UBS Centre for Applied AI: Team of 20 researchers (Dec 9, 2025)Employee assistantNamed platformOct 5, 2026UBS Group AG ↗ · UBS Group AG ↗ · UBS Group AG (SEC filing) ↗
28SchwabPortfolio Insights, Schwab Knowledge Assistant and Schwab Advisor AI in ActionSchwab's first generative-AI capability for retail clients, Portfolio Insights, began rolling out on 5 May 2026 and reached all self-directed US retail clients by end…scale not disclosedEmployee assistantNamed platformMay 5, 2026Charles Schwab ↗ · Charles Schwab ↗ · Charles Schwab ↗
29BBVAChatGPT Enterprise, BBVA Assistants and The EightBBVA's AI programme runs on three layersChatGPT Enterprise licences, May 2024 / May 2025 / full rollout: 3,300 / 11,000 / 120,000 employees in 25 countries (Dec 12, 2025)Employee assistantNamed platformAug 4, 2026OpenAI ↗ · BBVA ↗ · BBVA ↗
30TD Bank GroupLayer 6, TD AI Prism and the agentic RESL modelLayer 6, the Toronto AI start-up TD acquired in 2018, is the bank's AI research and development centreLayer 6 and Cohere commitment: Up to C$25 million over three years (Sep 22, 2026)Model layer / orchestrationNamed platformSep 22, 2026TD Bank Group ↗ · American Banker ↗ · TD Bank Group ↗

Each row quotes the bank's page on this site; the bank link opens the full record with every source. “Not disclosed” means the page records nothing on that point. Banks absent from the table have no evidence on this topic on their page.

What kinds of platform have the banks built?

Every named platform in the ranking grouped by type, read from the bank's own description: employee assistant, model layer / orchestration, customer-facing assistant, ai programme, data and ml platform. The type is a reading of the description, not a disclosure.

TypeBankPlatformDisclosed scale
Employee assistantBofAErica (and EricaAssist)Erica interactions: 3 billion+ cumulative; 2 million a day (Jan 22, 2026)
Employee assistantCitiCiti Stylus Workspacesscale not disclosed
Employee assistantCommonwealth BankAI Factory, Customer Engagement Engine and CommBank CompanionMeasured gross benefits from AI use cases (including reinvested capacity): about A$200 million in FY26, of which about A$100 million incremental in-year; expected to double in FY27 and exceed investment (Jun 30, 2026)
Employee assistantHSBCHSBC Productivity Suite and the central AI platformTotal assets (HSBC Holdings plc): US$3,438,161m (Jun 30, 2026)
Employee assistantWells FargoFargo and the Google Cloud agent stackFargo interactions: 245 million (2024); 336 million since launch (Apr 8, 2025)
Employee assistantBNYElizaEmployees on Eliza / AI solutions / digital employees / AI patent applications: 99% / 160 / 134 / > 60 (Dec 31, 2025)
Employee assistantDBSADA, DBS-GPT and the agent control planescale not disclosed
Employee assistantSantander USONE Transformation: shared platforms, AI for every employee, agentic commerceAI mentions in SHUSA's Q2 2026 10-Q: None (text search of the filing) (Jul 31, 2026)
Employee assistantLloydsEnvoy agent platform, Microsoft 365 E7 and the Group LLM platformscale not disclosed
Employee assistantRaymond JamesRai, AI Search and the advisor desktopscale not disclosed
Employee assistantStandard CharteredAI Factory and the single enterprise AI platform (with SC GPT)Core AI platform workload: Hundreds of models and use cases; tens of billions of tokens processed regularly (May 19, 2026)
Employee assistantDeutsche BankdbLumina and the Technology, Data and Innovation AI platform on Google ClouddbLumina reach: Over half of employees (Oct 5, 2026)
Employee assistantGoldmanGS AI Platform and GS AI AssistantEmployees with GS AI Assistant: 46,000 (all) (Jul 25, 2025)
Employee assistantHSBC USAThe group AI programme: Google Cloud, Mistral and a central model platformReported AI-linked job cuts under consideration (group): ≈ 20,000 (about 10% of the global workforce) (Apr 1, 2026)
Employee assistantU.S. BankIn-house tools from the AI Center of Excellencescale not disclosed
Employee assistantUBS Group AGUBS Claves, Red and Microsoft 365 Copilot under the Chief AI OfficeOxford-UBS Centre for Applied AI: Team of 20 researchers (Dec 9, 2025)
Employee assistantSchwabPortfolio Insights, Schwab Knowledge Assistant and Schwab Advisor AI in Actionscale not disclosed
Employee assistantBBVAChatGPT Enterprise, BBVA Assistants and The EightChatGPT Enterprise licences, May 2024 / May 2025 / full rollout: 3,300 / 11,000 / 120,000 employees in 25 countries (Dec 12, 2025)
Model layer / orchestrationTDLayer 6 and TD AI PrismLayer 6 use cases / patents: ≈ 100 / 150+ (Jan 16, 2026)
Model layer / orchestrationJPMorganLLM SuiteLLM Suite access (American Banker figure; the bank cites 200,000+ users and 150,000 weekly): ≈ 250,000 employees, about half daily users (Apr 29, 2026)
Model layer / orchestrationRBCLumina, ATOM and RBC Assistscale not disclosed
Model layer / orchestrationTD Bank GroupLayer 6, TD AI Prism and the agentic RESL modelLayer 6 and Cohere commitment: Up to C$25 million over three years (Sep 22, 2026)
Customer-facing assistantAmexAgentic Commerce Experiences (ACE) and Amex Agent Purchase Protectionscale not disclosed
Customer-facing assistantRegionsAI-driven banker platforms on a modernised stackNew business opportunities generated by AI-driven platforms: 35% (Jan 16, 2026)
Customer-facing assistantFifth ThirdJeanie and the Newline MCP serverJeanie intent-recognition accuracy / self-service containment: ≈ 20% → ≈ 90% / 3% → 42% since launch (Aug 12, 2026)
AI programmeCitizensCiZi and the cloud-native coreCiZi effect on call volume: −44% (Jun 1, 2026)
AI programmeBMOLumi, Aura and the Institute for Applied AI & Quantumscale not disclosed
AI programmeTruistTruist Insights and the 'digital teammates'Truist Assist requests since 2023 / handled end-to-end by AI: 12.5 million+ / 9 million+ (Mar 31, 2026)
AI programmeKeyBankConversational AI in the contact centre and 'cognitive banking' in the appscale not disclosed
Data and ML platformHuntingtonAgentic process transformation, run from financescale not disclosed

How is this ranking computed?

Inclusion: the bank's page names a flagship in-house AI platform, assistant or programme (the "platform" field, with its sources). Order: the AI-index formula applied to all 140 profiles, so banks that disclose more about AI rank higher among those with a platform. Scale: the first number on the bank's page whose label or value contains the platform's name.

"Proprietary" means the bank names and runs it as its own; most platforms call third-party models (OpenAI, Anthropic, Google) behind a bank-built layer, and the description says so where the bank has.

What are the caveats?

A named platform is a disclosure choice. Several banks run large AI programmes under no brand and so are absent here; their work appears on the AI-leaders and adoption pages.

Scale figures are as reported on the date shown (users, prompts, use cases, lines of code); they are not comparable across banks.

How does this differ from the AI index?

The AI index counts a named platform as one of eight components (10% of the score); this page lists only the banks that have one and adds what each platform is and the scale disclosed for it. The AI index and its method are on their own page; the technology leaders and generative AI guides are hand-written cross-bank tables with their own sourcing.

Which bank has the largest proprietary AI platform?

By disclosed scale, BofA's Erica (and EricaAssist) (Erica interactions: 3 billion+ cumulative; 2 million a day (Jan 22, 2026)) leads this table; other banks disclose different measures, so the figures are not a league table.

Do banks build their own models?

Mostly not. The platforms named here are bank-built layers (orchestration, data, guardrails, interfaces) that call foundation models from OpenAI, Anthropic, Google, Microsoft or open-weight providers; a few banks disclose in-house models for fraud or credit, which the fraud-and-credit page covers.

How many large banks have named an AI platform?

99 of 140; 41 have not.

What types of platform are there?

employee assistant (18 in the table), model layer / orchestration (4 in the table), customer-facing assistant (3 in the table), ai programme (4 in the table), data and ml platform (1 in the table).

Is a proprietary platform a sign of AI leadership?

It is a sign of scale and of a decision to build rather than only buy; it is not proof of results. The disclosed-scale column is the test: a platform with published user, prompt or use-case counts has shipped.

Where are the customer-facing assistants?

On the generative-AI-with-customers page, which ranks customer-facing assistants by stage and scale.

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