How does M&T Bank compare with its peers on AI and technology?
M&T Bank scores 75.5 on this site's US AI disclosure index (#28 of 120), eighth of the nine banks in its Northeast and large-regional peer group, ahead only of First Citizens (67.7) and behind TD Bank U.S. (91.8), Santander US (87.2), BMO U.S. (85.8), Citizens (85.3), Huntington (84.2), HSBC USA (81.9) and KeyCorp (80). The gap is its own disclosure: it has put 13 primary disclosures on the record, the fewest in the group, against a peer median of 20. Three things separate it from named peers. It went early and wide with one employee tool: Microsoft Copilot reached 16,000 of its 22,000 employees by September 2025, a year before KeyBank said all its staff have Copilot (September 2026). It is vendor-first by design: CEO René Jones said in November 2025 that M&T would not develop AI solutions itself, while TD runs its own Layer 6 lab and Citizens hosts some models in its own cloud. And it points AI at banking risk rather than revenue: credit monitoring with RDC.AI won an award in August 2026, complaint root-cause analysis fell from about a week to about seven minutes (March 2026), and Jones warned in September 2026 that a 20% efficiency gain from AI would most likely pass to customers. It has set no AI value target, unlike Citizens ($450 million-plus of run-rate benefit by 2028) or TD's group (C$1 billion a year).[1][2][3][4][5][6][7][8][9][10]
Data as of Oct 19, 2026 · M&T profile updated Oct 19, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown
Where does M&T lead its peers on AI?
01
Copilot for most employees, early
M&T put Microsoft Copilot in front of 16,000 of its 22,000 employees by September 2025 after an 800-person pilot, and by September 2026 Jones said about 16,000 were AI-proficient. KeyBank reached all-employee Copilot in September 2026, and First Citizens described an enterprise rollout the same month without a user count.[1][11][2][12]
02
A dedicated second-line AI risk function
M&T runs an independent AI Risk Oversight program in its second line, led by Rhea Rajwani, and its 10-K has carried a dedicated AI risk factor since the 2024 filing. Among peers, BMO reviews significant AI initiatives through a Responsible AI Forum and KeyBank inventories AI systems under an ERM-approved AI Policy aligned to the NIST AI RMF.[13][14][15][16][17]
03
Credit monitoring with AI, recognised
M&T's commercial credit monitoring on RDC.AI, with predictive models and agentic workflows that staff can override, won Editor's Choice at the 2026 Banking Tech Awards USA (August 2026). Citizens' generative-AI credit research was still a pilot in its Q2 2026 deck, and KeyBank reports AI cutting analyst research time in commercial loan approvals from 60% to 25%.[6][18][9][19]
04
Technology built mostly by its own staff
M&T says 84% of its technology engineers are bank employees and that it spent more than $1.2 billion on technology in 2025, nearly three times 2017; KeyBank puts its 2026 technology budget at about $1 billion and has moved operations into its lines of business.[20][21][22][2]
Where does M&T trail its peers on AI?
01
The fewest own disclosures in the group
M&T has 13 primary disclosures on its AI against a peer median of 20 and 27 for HSBC USA, ninth of nine; its first- and second-quarter 2026 10-Qs contain no AI language, and its Q2 2026 call mentioned AI only in an analyst question, while Citizens and Huntington describe AI programmes on their calls and in decks.[23][24][25][9][26]
02
No AI value target while peers publish one
M&T has given no figure for what AI will save or earn; Jones instead warned in September 2026 that a 20% efficiency gain would most likely pass to customers. Citizens targets $450 million-plus of run-rate benefit by 2028, and TD's group reported C$195 million of AI value in the first three quarters of fiscal 2026.[8][9][10]
03
No customer-facing AI assistant on the record
M&T's generative AI runs through employee Copilot, AI inside vendor applications and proprietary work on its own data. Citizens credits its in-app assistant CiZi with a 44% drop in call volume, and KeyBank prices AI-handled calls at about $0.25 against about $9 for a human.[21][27][28]
04
Vendor-first, so less of its own AI to show
Jones said in November 2025 that M&T would not develop its AI solutions itself and expects most of its AI to come from vendors, and the bank is screening more than 1,800 applications for embedded AI. TD's own AI lab, Layer 6, builds its knowledge assistants and signed a collaboration with Cohere worth up to C$25 million in September 2026.[3][20][29][4]
Where does M&T rank against its peers on AI disclosure?
Scores from the US AI disclosure index of 120 banks (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.
| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
|---|---|---|---|---|---|---|---|
| TD Bank (U.S.) | 91.8 | #4 of 120 | 27 | 23 | 13 of 18 | 28 | Layer 6 and TD AI Prism[30][31][32][33] |
| Santander US | 87.2 | #8 of 120 | 24 | 22 | 10 of 15 | 28 | ONE Transformation: shared platforms, AI for every employee, agentic commerce[34][35][36][37][38] |
| BMO (U.S.) | 85.8 | #10 of 120 | 16 | 26 | 14 of 16 | 33 | Lumi, Aura and the Institute for Applied AI & Quantum[39][40][41] |
| Citizens Financial Group | 85.3 | #11 of 120 | 25 | 18 | 10 of 20 | 26 | CiZi and the cloud-native core[27][42] |
| Huntington Bancshares | 84.2 | #13 of 120 | 19 | 17 | 15 of 17 | 29 | Agentic process transformation, run from finance[43][44][45] |
| HSBC USA | 81.9 | #17 of 120 | 18 | 27 | 7 of 16 | 31 | The group AI programme: Google Cloud, Mistral and a central model platform[46][47][48][49] |
| KeyCorp (KeyBank) | 80 | #21 of 120 | 25 | 17 | 10 of 16 | 20 | Conversational AI in the contact centre and 'cognitive banking' in the app[28][50][51] |
| M&T Bank (this page) | 75.5 | #28 of 120 | 18 | 13 | 10 of 14 | 25 | Microsoft Copilot on a data-lineage foundation[1][52] |
| First Citizens BancShares | 67.7 | #39 of 120 | 11 | 17 | 12 of 14 | 24 | An enterprise AI program being built, not bought[53][54][12] |
On which parts of the AI record is M&T ahead of or behind its peers?
Each row is one input of the index, counted on the profiles of M&T and the 8 peers that are scored on the same basis. "Place" is M&T's position in the group of 9 (1st = most).
| Component (weight) | M&T | Peer median | Most in the group | Place |
|---|---|---|---|---|
| Independent sources (45%) | 18 | 21.5 | TD (27) | 6th of 9 |
| Use cases in production (10%) | 10 | 11 | Huntington (15) | 5th of 9 |
| Own primary disclosures (10%) | 13 | 20 | HSBC (27) | 9th of 9 |
| Dated moves, last 12 months (10%) | 25 | 28 | BMO (33) | 7th of 9 |
| Disclosed numbers (5%) | 18 | 17 | Citizens (20) | 3rd of 9 |
| Named AI leaders (5%) | 13 | 13.5 | Santander (23) | 5th of 9 |
| Use cases described (5%) | 14 | 16 | Citizens (20) | 8th of 9 |
What has each bank in M&T's peer group disclosed about its AI?
Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.
| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
|---|---|---|---|---|---|
| M&T Bank | Microsoft Copilot on a data-lineage foundation[1][52] | 13, incl. Michael Wisler (Senior EVP, Technology and Operations)[52][20] | Employees on Copilot: 16,000 of 22,000 (Sep 18, 2025)[1] | Not disclosed | 8 open AI roles (Oct 1, 2026); most in responsible AI & governance |
| Citizens Financial Group | CiZi and the cloud-native core[27][42] | 10, incl. Brendan Coughlin (President)[55][42] | Developers with coding agents: ≈ 800 (half) (Nov 20, 2025)[56] | 4 patents listed on the profile, e.g. US 2025/0150457 A1 (AI-driven integration platform and user-adaptive interface for business relationship orchestration)[57] | 6 open AI roles (Oct 1, 2026); most in AI engineering |
| HSBC USA | The group AI programme: Google Cloud, Mistral and a central model platform[46][47][48][49] | 16, incl. Jason Henderson (Chief Executive Officer, HSBC USA)[58] | Employees with gen-AI tools: 85% (Feb 25, 2026)[47] | 3 patents listed on the profile, e.g. US 2025/0348706 A1 (Sheaf neural networks for monitoring network effect propagation)[59] | Not surveyed |
| TD Bank (U.S.) | Layer 6 and TD AI Prism[30][31][32][33] | 13, incl. Maksims Volkovs (SVP and Chief AI Scientist, Layer 6)[33][32] | AI value target: C$200 million (FY2026), C$1 billion a year medium term (Aug 27, 2026)[10][60] | 5 patents listed on the profile, e.g. US 2024/0127036 A1 (Multi-event time-series encoding)[61] | 12+ open AI roles (Oct 1, 2026); most in ML & data science |
| First Citizens BancShares | An enterprise AI program being built, not bought[53][54][12] | 11, incl. Frank Holding Jr. (Chairman and CEO)[62] | AI share of healthcare investment (SVB report): 46% in 2025 (Jan 8, 2026)[63] | Not disclosed | 4 open AI roles (Oct 1, 2026); most in AI engineering |
| KeyCorp (KeyBank) | Conversational AI in the contact centre and 'cognitive banking' in the app[28][50][51] | 11, incl. Chris Gorman (Chairman and CEO)[28][64] | Cost per customer call, AI vs human: ≈ $0.25 vs ≈ $9 (Jan 20, 2026)[28] | Not disclosed | 1 open AI roles (Sep 24, 2026); most in AI engineering |
| BMO (U.S.) | Lumi, Aura and the Institute for Applied AI & Quantum[39][40][41] | 15, incl. Kristin Milchanowski (Chief AI & Quantum Officer)[41][65] | Employee AI adoption: > 96% (Apr 24, 2026)[66] | 4 patents listed on the profile, e.g. US 2026/0119566 A1 (Machine-learning database search and knowledge mining over query logs)[67] | 7 open AI roles (Sep 24, 2026); most in AI engineering |
| Santander US | ONE Transformation: shared platforms, AI for every employee, agentic commerce[34][35][36][37][38] | 23, incl. Christiana Riley (CEO, Santander US and US country head)[68][38][69] | AI contribution to 2028 targets: > €1 billion: ≈ €300m revenue, ≈ €700m cost (Feb 25, 2026)[34] | 1 patent listed on the profile, e.g. US 2023/0377033 A1 (Santander Consumer USA: simulating a loan payment structure on an interactive interface)[70] | Not surveyed |
| Huntington Bancshares | Agentic process transformation, run from finance[43][44][45] | 14, incl. Zach Wasserman (Chief Financial Officer)[43][45][71] | AI agents in production / in development: 50 / 60+, ≈ 15 new a month (Apr 24, 2026)[43] | 6 patents listed on the profile, e.g. US 11,194,637 B2 (Extensible alerts platform)[72] | 9 open AI roles (Oct 1, 2026); most in AI engineering |
What are the latest dated moves on the AI record of M&T and its peers?
The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.
| Date | Bank | Move |
|---|---|---|
| Oct 13, 2026 | TD | Agentic AI extended to mortgage funding and discharge[73] |
| Oct 9, 2026 | HSBC | Ant Digital test: AI agents pay with HSBC tokenised deposits[74] |
| Oct 7, 2026 | HSBC | US entrepreneur survey: 63% expect AI to raise headcount[75] |
| Oct 6, 2026 | BMO | Evident AI Index 2026: top 20 overall, #2 for AI outcomes[76] |
| Oct 6, 2026 | First Citizens | First Citizens Innovation Banking launched; SVB name retired[77] |
| Oct 6, 2026 | TD | US survey: 69% would let a bank AI assistant complete a financial task[78] |
| Oct 1, 2026 | Santander | Riley: AI lets her 'vibe code' a CRM tool herself[69] |
| Oct 1, 2026 | KeyBank | Gessner ranked No. 3 in American Banker's Most Powerful Women in Banking NEXT[79] |
| Oct 1, 2026 | M&T | Rajwani on AI agents and deposit runs[80] |
| Sep 29, 2026 | Huntington | Named a Coverbase enterprise customer[81] |
| Sep 29, 2026 | Citizens | Coughlin: engineers now 30-40% more productive with AI[82] |
| Sep 29, 2026 | Citizens | Q4 2026 Business Pulse: small-business AI spending rising[83] |
| Sep 25, 2026 | Huntington | Vakharia on AI in bank marketing[84] |
| Sep 25, 2026 | M&T | FinTech Futures profiles the RDC.AI deployment at M&T[18] |
| Sep 23, 2026 | Santander | Santander AI Lab launches A2K, a protocol for agent-to-knowledge access[85] |
| Sep 22, 2026 | BMO | C$1 billion a year from AI by 2030[86] |
| Sep 17, 2026 | First Citizens | CB Insights joins SVB's partner network with its ChatCBI AI agent[87] |
| Sep 14, 2026 | KeyBank | Barclays conference: Copilot for everyone, operations moved to the businesses[2] |
How does M&T's Copilot rollout compare with its peers' employee AI?
Employee AI tools and the scale each bank has published. HSBC, BMO, TD and Santander figures are group-wide.
| Bank | Employee AI tools | Scale disclosed | Date |
|---|---|---|---|
| M&T Bank | Microsoft Copilot for first drafts and call summaries; AI code generation in GitLab | 16,000 of 22,000 employees; about 6 minutes saved per call with generative summaries | September 2025 and September 2026[1][52] |
| KeyCorp (KeyBank) | Microsoft Copilot, an internal retrieval platform and Copilot Studio agents | All employees | September 2026[2][17] |
| Citizens Financial Group | Generative-AI training; GitHub Copilot's coding agent | More than 90% of employees trained; about 800 developers | November 2025 and June 2026[27][56] |
| BMO (U.S.) | Microsoft Copilot and Copilot Chat as approved tools; Lumi, Nova and Lexi assistants | Employee AI adoption above 96% | April 2026[41][88] |
| TD Bank (U.S.) | Copilot (group); GitHub Copilot for US developers | Over 40,000 colleagues on Copilot; 1,800 US developers | May and September 2026[89][90] |
| HSBC USA | Generative-AI tools; Microsoft 365 Copilot | About 85% of employees enabled (group); 200,000 Copilot seats committed | February and July 2026[47][91] |
| Huntington Bancshares | AI agents across the business, run from finance | 50 agents in production, 60-plus in development | April 2026[43] |
| First Citizens | Enterprise Microsoft Copilot rollout; AskFirst knowledge agent | No count | September 2026[12] |
How does M&T govern AI compared with other Northeast and regional banks?
What each bank has published about who oversees AI and how; titles and dates as reported.
| Bank | AI governance on the record | Who leads AI | Date |
|---|---|---|---|
| M&T Bank | Independent AI Risk Oversight program in the second line; Copilot as the approved tool with retrieval limited to governed data; AI deployments reported to the board at each meeting | Kalyana Bedhu, head of AI engineering (from August 2026); Rhea Rajwani, AI risk oversight; Andrew Foster, chief data officer | 2025-2026[13][1][92][93] |
| BMO (U.S.) | AI risk directive; Responsible AI Forum reviews significant initiatives; every agent carries its own performance evaluation | Kristin Milchanowski, Chief AI & Quantum Officer | April and July 2026[16][94][41] |
| KeyCorp (KeyBank) | AI Policy approved by the ERM Committee; AI systems inventoried across three lines of defence; aligned to the NIST AI RMF | Ankit Goel, Chief Data and Analytics Officer | August 2026[17][19] |
| Citizens Financial Group | Board ensures a 'measured approach to AI'; directors trained on AI in 2025 | Brendan Coughlin, president, runs the Reimagine the Bank program | March 2026[95][42] |
| Huntington Bancshares | Board Technology Committee oversees 'the strategy and implementation of AI' | Zach Wasserman, CFO, as AI strategist | March and April 2026[96][43] |
| HSBC USA | Group AI programme with a central model platform | David Rice, group chief AI officer from April 1, 2026 | March 2026[46] |
| TD Bank (U.S.) | AI models held to the bank's model-risk standards; generative and agentic AI named as risks | Layer 6, TD's AI lab | December 2025[97] |
How does M&T's use of AI in credit and fraud compare with its peers'?
Credit, fraud and complaints work each bank has described, with results as reported.
| Bank | AI in credit, fraud or complaints | Result or status | Date |
|---|---|---|---|
| M&T Bank | RDC.AI commercial credit monitoring; anomaly detection and LLM experiments in credit; AI complaint root-cause analysis | Editor's Choice, 2026 Banking Tech Awards USA; root cause in about 7 minutes against about a week | March to September 2026[6][11][7] |
| KeyCorp (KeyBank) | Generative-AI research support for commercial loan approvals; AML screening proof of concept | Analyst research time from 60% to 25%; AML screening from several hours to 15-20 minutes | August and November 2025[19][98] |
| Citizens Financial Group | Generative-AI credit research and private-company monitoring; agentic fraud-claims processing | Pilots | 2025-2026[9][99] |
| TD Bank (U.S.) | Three AI models in the US AML program; end-to-end retail credit in the first AI wave | AML remediation with machine learning in transaction monitoring | August and September 2026[90][100] |
| Huntington Bancshares | Casca generative-AI platform for SBA 7(a) loan applications | Design partner and investor; lending decisions stay with existing models | 2025-2026[101] |
| HSBC USA (group) | Dynamic Risk Assessment with Google Cloud | About 980 million transactions screened a month; 60% fewer false positives | 2024-2026[102][103] |
Which banks are M&T's peers, and why these?
M&T Bank is compared here with Citizens Financial Group, HSBC USA, TD Bank (U.S.), First Citizens BancShares, KeyCorp (KeyBank), BMO (U.S.), Santander US and Huntington Bancshares: the US banks on this site nearest to it in business model (regional or retail-commercial bank) and assets on the Federal Reserve's large-bank list, with a preference for its home region (Northeast). M&T Bank is classed as a regional or retail-commercial bank in the Northeast.
Is M&T Bank better than Citizens at AI?
The record cannot settle capability, but Citizens has published far more: it scores 85.3 on this site's index against M&T's 75.5. Citizens has a priced program (about $300 million for $450 million-plus of run-rate benefit by 2028), a customer assistant that cut call volume 44% and coding agents for about 800 developers. M&T's strengths are breadth of Copilot use (16,000 of 22,000 staff) and AI aimed at credit, fraud and cyber risk.[42][9][27][1][11]
How does M&T's AI compare with KeyBank's?
Both are Microsoft Copilot banks: M&T had 16,000 of 22,000 employees on it by September 2025 and KeyBank gave it to all employees by September 2026. KeyBank has gone further with customer-facing AI, pricing AI-handled calls at about $0.25 against about $9, and discloses a technology budget of about $1 billion; M&T spent more than $1.2 billion on technology in 2025.[1][2][28][22][21]
Does M&T build its own AI models?
Mostly not. Jones said in November 2025 that M&T would not develop its AI solutions itself and that most of its AI would come from vendors, and M&T describes three routes: general employee tools, AI embedded in vendor applications (more than 1,800 screened) and proprietary systems on M&T's own data for repetitive tasks, software development, fraud and cyber. The bank chose Microsoft after vetting LLM providers.[3][20][21][1]
Who leads AI at M&T compared with its peers?
AI sits with technology and data rather than a chief AI officer: Michael Wisler runs technology and operations, Andrew Foster is chief data officer, Kalyana Bedhu became head of AI engineering in August 2026 and Rhea Rajwani leads AI risk oversight. HSBC appointed a group chief AI officer, David Rice, in April 2026, and BMO has a Chief AI & Quantum Officer.[52][1][93][13][46][41]
How does M&T's technology spending compare with its peers'?
M&T spent more than $1.2 billion on technology in 2025, nearly three times its 2017 level, with about 2,000 technologists in more than 300 agile teams. KeyBank plans about $1 billion for 2026, and Fifth Third reported $474 million of technology and communications spend in 2024. M&T's Q3 2026 software costs rose $19 million from the prior quarter.[21][22][104][105]
Why does M&T rank near the bottom of its peer group on this site's AI index?
The index scores what is on the public record. M&T has the fewest own disclosures in the group (13 against a median of 20), its 2026 10-Qs contain no AI language, and it has set no AI value target. Its AI record comes mostly from executives' interviews and conference remarks rather than investor decks, which is where peers such as Citizens and TD publish their AI numbers.[23][24][8][9][10]
Is M&T worried about AI agents moving deposits?
Not yet, by its own account. On the October 2026 third-quarter call CFO Daryl Bible said M&T was monitoring third-party AI agents 'very closely' but was not 'really seeing much impact of actually money being moved out'. Its head of AI risk, Rhea Rajwani, said in October 2026 that agents could make deposit movement faster and more coordinated, with adoption limited by trust, authentication and liability questions.[105][80]
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