# PNC Financial Services: Research, patents and partnerships

Source: https://www.bankingnewsai.com/banks/pnc/ai-research-patents-partnerships
Last updated: Oct 16, 2026

*Part of the [PNC Financial Services AI strategy profile](https://www.bankingnewsai.com/banks/pnc).*

## What AI research, patents and partnerships does PNC have?

PNC's AI intellectual property is concentrated in fraud, financial crime and data engineering. Google Patents lists two granted 'data migration factory' patents, US 12,321,323 (issued June 3, 2025) and US 12,517,875 (January 6, 2026), the system Demchak says ran the BBVA and FirstBank conversions, plus published applications on machine-learning fraud detection (most recently US 2026/0037979, February 5, 2026), a machine-learning 'Transaction Monitoring Index' for financial crime (November 13, 2025), gradient-boosted scoring of card payments likely to reverse (June 12, 2025), AI-assisted code generation and AI rules for document processing. Its longest research tie is the PNC Center for Financial Services Innovation at Carnegie Mellon's Tepper School, funded by PNC since January 2013, with artificial intelligence first on its list of research areas. The named technology partners are few: Microsoft Copilot deployed firm-wide, Nvidia chips for the AI factory, frontier models reached through unnamed hyperscalers and open-weight models hosted in PNC's own data centers. Client-facing AI goes back to PINACLE Cash Forecasting (November 2021), which trains five models per client. ([Google Patents (USPTO)](https://patents.google.com/patent/US12321323B1/en), [Google Patents (USPTO)](https://patents.google.com/patent/US12517875B2/en), [Yahoo Finance](https://finance.yahoo.com/quote/PNC/earnings/PNC-Q2-2026-earnings_call-649662.html), [Google Patents (USPTO)](https://patents.google.com/patent/US20260037979A1/en), [Google Patents (USPTO)](https://patents.google.com/patent/US20250348880A1/en), [Google Patents (USPTO)](https://patents.google.com/patent/US20250190992A1/en), [Google Patents (USPTO)](https://patents.google.com/patent/US20250306861A1/en), [Google Patents (USPTO)](https://patents.google.com/patent/US20250094839A1/en), [Carnegie Mellon University, Tepper School of Business](https://www.cmu.edu/tepper/pnc-center-for-financial-services-innovation/about-the-center), [PNC via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/713676/000119312526102189/d62941ddef14a.htm), [American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299), [PNC via PR Newswire](https://www.prnewswire.com/news-releases/pnc-treasury-management-launches-artificial-intelligence-machine-learning-enabled-cash-forecasting-application-301418730.html))

## Which AI and data patents has PNC been granted or filed?

Assignee PNC Financial Services Group, Inc., per Google Patents on October 15, 2026. Granted patents carry an issue date; applications carry a publication date and are not yet rights. Selected for AI, machine learning and data relevance; not a full count.

| Number | Title | Status | Date | Sources |
| --- | --- | --- | --- | --- |
| US 12,517,875 B2 | Data migration factory | Granted | January 6, 2026 (priority February 21, 2023) | [Google Patents (USPTO)](https://patents.google.com/patent/US12517875B2/en) |
| US 12,321,323 B1 | Data migration factory: the 'patented data factory' Demchak credits with the BBVA and FirstBank conversions | Granted | June 3, 2025 (filed February 20, 2024) | [Google Patents (USPTO)](https://patents.google.com/patent/US12321323B1/en), [Yahoo Finance](https://finance.yahoo.com/quote/PNC/earnings/PNC-Q2-2026-earnings_call-649662.html) |
| US 2026/0037979 A1 | Training and applying machine-learning systems in fraud detection: a model that scores unauthorized activity from streaming and batch data | Application published | February 5, 2026 (priority September 8, 2022) | [Google Patents (USPTO)](https://patents.google.com/patent/US20260037979A1/en) |
| US 2025/0348880 A1 | Monitoring customer transactions for potential financial crimes: decision-tree model that computes a 'Transaction Monitoring Index' score to improve AML and fraud alerting | Application published | November 13, 2025 (filed May 8, 2024) | [Google Patents (USPTO)](https://patents.google.com/patent/US20250348880A1/en) |
| US 2025/0306861 A1 | Dynamic application content enrichment for AI-assisted code generation tools | Application published | October 2, 2025 (filed October 11, 2024) | [Google Patents (USPTO)](https://patents.google.com/patent/US20250306861A1/en) |
| US 2025/0190992 A1 | Scoring payments based on likelihood of reversal: gradient-boosted decision trees that give fraud prediction scores for credit-account payments | Application published | June 12, 2025 (filed December 12, 2023) | [Google Patents (USPTO)](https://patents.google.com/patent/US20250190992A1/en) |
| US 2025/0124444 A1 | Continuous event monitoring, identification of risk signals and acceleration of fraud risk analysis, with machine-learning risk signals | Application published | April 17, 2025 (priority May 2, 2023) | [Google Patents (USPTO)](https://patents.google.com/patent/US20250124444A1/en) |
| US 2025/0104080 A1 | Training and applying machine-learning systems in fraud detection (deposit fraud model) | Application published | March 27, 2025 | [Google Patents (USPTO)](https://patents.google.com/patent/US20250104080A1/en) |
| US 2025/0094839 A1 | Applying rules via artificial intelligence for document processing | Application published | March 20, 2025 (filed December 4, 2024) | [Google Patents (USPTO)](https://patents.google.com/patent/US20250094839A1/en) |

## Who are PNC's AI partners and research collaborators?

Named on the public record by PNC, its filings or the partner. PNC has not disclosed contract values.

| Partner | Type | What it is | Since | Sources |
| --- | --- | --- | --- | --- |
| Carnegie Mellon University (Tepper School) | University center | PNC Center for Financial Services Innovation: research and education grants on artificial intelligence, IoT, blockchain, big data and VR; current AI grant area 'Interpretable Machine Learning Marketing Models for Banking'; data-support grants give researchers historical PNC data | January 2013 | [Carnegie Mellon University, Tepper School of Business](https://www.cmu.edu/tepper/pnc-center-for-financial-services-innovation/about-the-center) |
| Microsoft (Copilot) | Generative-AI platform | Deployed across the organization 'to enhance employee productivity and supplement decision-making', per the 2026 proxy | 2025 | [PNC via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/713676/000119312526102189/d62941ddef14a.htm) |
| Nvidia | AI hardware | PNC is buying Nvidia chips for its own data centers as part of the AI factory | June 2026 | [American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory) |
| Hyperscalers (unnamed) | Model access | Frontier models reached through hyperscalers; open-weight models hosted in PNC data centers; proprietary small language models | September 2026 | [Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299) |
| Oracle | ERP integration | PINACLE Connect embedded in Oracle Fusion Cloud ERP for corporate and commercial clients via Oracle's B2B marketplace | July 29, 2025 | [CIO Dive](https://www.ciodive.com/news/pnc-oracle-banking-fusion-erp-integration/756233/) |
| Financial Services Sector Coordinating Council | Industry body | Head of technology Deborah Guild chairs the FSSCC, whose AI Executive Oversight Group with FBIIC produced Treasury's AI Lexicon and FS AI Risk Management Framework | Chair as of 2025-2026 | [American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-8-deborah-guild-pnc-bank), [U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0615), [U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0401) |

## Which PNC products have used AI or machine learning?

PINACLE Cash Forecasting, launched by PNC Treasury Management on November 9, 2021, 'leverages AI and ML to train five different models to find the most accurate model-set' from a client's historical data, then produces a 31-, 60- or 90-day rolling forecast with back-testing. It was led by Chris Ward, then head of Data, Digital and Innovation for Treasury Management. ([PNC via PR Newswire](https://www.prnewswire.com/news-releases/pnc-treasury-management-launches-artificial-intelligence-machine-learning-enabled-cash-forecasting-application-301418730.html))

PNC Claim Predictor uses AI and machine learning to flag inaccurate healthcare claims before submission, and the July 2026 mobile app was built by PNC's agentic development system on a platform the bank says is designed for embedded generative-AI assistance; PNC says it will add a digital assistant later in 2026. ([PNC](https://www.pnc.com/insights/small-business/industry-insights/trends-in-healthcare-does-ai-make-financial-sense-for-you.html), [PNC via PR Newswire](https://www.prnewswire.com/news-releases/pncs-new-mobile-app-delivers-an-intuitive-personalized-experience-to-help-clients-seamlessly-manage-their-day-to-day-financial-lives-302819063.html), [Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/))

What is not public: a venture or investment arm focused on AI, a named model provider for PNC's own language models, or publication of research papers by PNC staff. The bank's public AI record names one vendor platform, Microsoft Copilot. ([PNC via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/713676/000119312526102189/d62941ddef14a.htm), [Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299))

## What does the PNC profile record on this topic?

| Date | Move | Detail | Sources |
| --- | --- | --- | --- |
| Sep 14, 2026 | Barclays conference: agents at the centre of development, 5–10x | Wiedman: using agents as the centre of software development, rather than as assistants, shows 5 to 10x productivity, work of ten weeks done in a week or less; Reilly: own data centres, own GPUs, proprietary small language models, open-weight models in-house, frontier models through hyperscalers. | [Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299) |
| Jul 15, 2026 | Q2 2026 call: the patented data factory ran the FirstBank integration | Demchak: the data factory, patented in its first form for the BBVA deal, performed even better inside the FirstBank integration; the continuous-improvement programme is on track for $350 million of 2026 savings; AI is affecting hiring 'at the margin'. | [Yahoo Finance](https://finance.yahoo.com/quote/PNC/earnings/PNC-Q2-2026-earnings_call-649662.html) |
| Jul 7, 2026 | New mobile app built with agentic development | PNC's agentic development system and patented data-streaming microservices architecture. | [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1), [American Banker](https://www.americanbanker.com/news/pnc-bank-rolls-out-new-mobile-banking-app) |
| Mar 11, 2026 | Proxy: Microsoft Copilot firm-wide, AI-enabled search, two new data-centre sites | The 2026 DEF 14A credits the enterprise AI strategy with multiple generative-AI platforms including Microsoft Copilot and AI-enabled search for customer-facing teams; a new Eastern data-centre facility is under construction and a Midwestern hosting site secured; pre-provision revenue rose to $9.3 billion 'supported by continued technology modernization, including AI-driven automation'. | [PNC via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/713676/000119312526102189/d62941ddef14a.htm) |

## Common questions

### What AI patents does PNC hold?

Two granted US patents for a 'data migration factory', 12,321,323 (June 3, 2025) and 12,517,875 (January 6, 2026), plus published applications on machine-learning fraud detection, a decision-tree 'Transaction Monitoring Index' for financial crime, gradient-boosted scoring of payments likely to reverse, machine-learning fraud risk signals, AI-assisted code generation and AI document processing. Applications are not yet enforceable rights.

### What is PNC's patented data factory?

It is the data migration factory system covered by US patents 12,321,323 and 12,517,875. Demchak said on the July 15, 2026 call that the data factory, patented in its first form for the BBVA deal, performed even better inside the FirstBank integration, which moved 780,000 customers to PNC systems in June 2026.

### Does PNC partner with a university on AI?

Yes. PNC has funded the PNC Center for Financial Services Innovation at Carnegie Mellon University's Tepper School of Business since January 2013. The center funds research grants on artificial intelligence and other technologies, offers data-support grants using historical PNC data, and sponsors course projects on problems PNC proposes.

### Which AI model providers does PNC use?

PNC has named Microsoft Copilot as a firm-wide generative-AI platform. CFO Rob Reilly said in September 2026 that frontier models are reached through hyperscalers he did not name, while open-weight and proprietary small language models run in PNC's own data centers on Nvidia chips the bank is buying.
## Deeper on PNC

- [What is PNC's AI strategy and technology vision?](https://www.bankingnewsai.com/banks/pnc/ai-strategy)
- [What technology stack does PNC run its AI on?](https://www.bankingnewsai.com/banks/pnc/technology-stack)
- [How does PNC govern responsible AI?](https://www.bankingnewsai.com/banks/pnc/responsible-ai)


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