# PNC Financial Services vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/pnc/vs-peers
Last updated: Oct 19, 2026

*Part of the [PNC Financial Services AI strategy profile](https://www.bankingnewsai.com/banks/pnc). Peer group: Truist Financial, U.S. Bancorp, TD Bank (U.S.), Fifth Third Bancorp, Huntington Bancshares, BMO (U.S.), First Citizens BancShares, Citizens Financial Group.*

## How does PNC Financial Services compare with its peers on AI and technology?

PNC scores 68.2 on this site's US AI disclosure index (#38 of 120), eighth of nine in its group of large regional banks, roughly level with First Citizens (67.7) and behind TD Bank US (91.8), BMO US (85.8), Citizens (85.3), Huntington (84.2), Fifth Third (84), Truist (82.6) and U.S. Bancorp (81.3). The score counts what is on the record, not capability, and PNC's record is thin: 8 use cases in production and 15 of its own disclosures, both last in the group. What it has disclosed is distinctive. It is building its own 'AI factory', with its own GPUs, data centres and language models, because AI productivity 'can be taken away by the cost of tokens' (CEO Bill Demchak, June 2026); U.S. Bank instead signed a multiyear AWS deal in May 2026 and Huntington buys up to 80% of its AI through vendor suites. About 115 orchestrated AI agents built its new mobile app, released in July 2026, and its president reports 5 to 10x productivity from agent-centred development. And it prices the program: 171 opportunities across $1.4 billion of addressable spend and a target of another 40 points of operating leverage from AI by 2030. Where it trails: it has no customer assistant yet, while Truist Assist has handled 12.5 million-plus requests and U.S. Bank's Smart Assistant is used 2.5 million times a month. ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [Banking Dive](https://bankingdive.com/news/us-bank-shifts-critical-apps-aws-ai-push/819964), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/), [Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299), [Banking Dive](https://www.bankingdive.com/news/pnc-bank-ceo-demchak-earnings-regional-scale-automation/810116/), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf))

## Where does PNC lead its peers on AI?

- **The only peer building its own AI factory.** Demchak said on June 9, 2026 that PNC is 'building our own AI factory', with its own GPU compute, data centres and large and small language models, and a spokesperson said the aim is to 'avoid vendor lock-in'. U.S. Bank moved hundreds of mission-critical applications to AWS (May 2026), Citizens moved 700 applications to the cloud, and Huntington delivers up to 80% of its AI through vendor suites. ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [American Banker](https://www.americanbanker.com/news/pncs-solution-to-rising-ai-costs-build-its-own-ai), [Banking Dive](https://bankingdive.com/news/us-bank-shifts-critical-apps-aws-ai-push/819964), [American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai))
- **A mobile app built by AI agents.** About 115 orchestrated AI agents handled development and testing, with human review, of the PNC Mobile app released in July 2026, which about 8 million customers use; president Mark Wiedman reported 5 to 10x productivity from agent-centred development in September 2026. Citizens reports 55% higher output for advanced-agent users and U.S. Bank a 75% cut in code-review time. ([Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1), [Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299), [American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf))
- **AI economics set out in numbers.** PNC counted 171 AI and automation opportunities across $1.4 billion of addressable spend in January 2026, about $1.5 billion across five areas by February, and targets another 40 points of operating leverage from AI between 2025 and 2030; AI is about 20% of the increase in a roughly $3.5 billion technology budget. U.S. Bank and First Citizens publish no comparable AI target. ([Banking Dive](https://www.bankingdive.com/news/pnc-bank-ceo-demchak-earnings-regional-scale-automation/810116/), [Investing.com](https://www.investing.com/news/transcripts/pnc-financial-at-bank-of-america-conference-strategic-growth-in-2026-93CH-4497725), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/news/pnc-financial-services-group-q4-163523838.html), [U.S. Bancorp via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/36104/000003610426000005/a4q25earningscallpresent.htm))
- **AI priorities ahead of deals.** CFO Rob Reilly said in September 2026 that PNC would pass on an acquisition that impeded its AI priorities, and the patented data migration factory ran the June 2026 FirstBank conversion of 780,000 customers. Fifth Third and Huntington are absorbing large acquisitions (Comerica, Cadence) in the same period. ([Banking Dive](https://www.bankingdive.com/news/pnc-regions-citizens-execs-eschew-bank-acquisitions-mergers-distraction-ai/830543/), [Yahoo Finance](https://finance.yahoo.com/quote/PNC/earnings/PNC-Q2-2026-earnings_call-649662.html), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606220745PR_NEWS_USPRX____NE88394-1), [Bloomberg](https://www.bloomberg.com/news/audio/2025-10-06/stock-movers-amd-fifth-third-tesla-podcast), [Banking Dive](https://www.bankingdive.com/news/huntington-buying-cadence-bank-74b-acquisition/803832/))

## Where does PNC trail its peers on AI?

- **Fewest use cases in production in the group.** The profile records 8 of PNC's 14 described AI use cases as in production, last of nine against 16 at U.S. Bancorp and 15 at Huntington; Huntington alone reports 50 AI agents in production and more than 60 in development (April 2026). ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf))
- **No customer assistant yet.** PNC plans its own digital assistant later in 2026. Truist Assist handled more than 12.5 million requests from 2023 to March 2026, U.S. Bank's Smart Assistant is used 2.5 million times a month, Citizens' CiZi cut mobile-banking calls 44%, and Fifth Third's Jeanie reached 42% self-service containment. ([Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf), [American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html))
- **Fewer of its own disclosures and named leaders.** PNC has 15 primary AI disclosures on the record, last of nine against 26 at BMO US, and 10 named AI and technology leaders against 15 at BMO; it has not named a chief AI officer on the record, while U.S. Bank appointed one in mid-2025 and Truist hired a chief AI and data officer from Microsoft in November 2025. ([American Banker](https://www.americanbanker.com/news/beyond-token-maxing-how-u-s-bank-ai-chief-navigates-costs), [Truist](https://media.truist.com/2025-11-19-Truist-names-Pascal-Belaud-as-chief-AI-data-officer), [BMO](https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum))
- **No AI value delivered yet.** PNC gives targets, not results: its $1.4 billion figure is addressable spend. TD reports C$195 million of AI value in the first three quarters of fiscal 2026, and Citizens expects about $100 million of run-rate benefit from Reimagine the Bank by the end of 2026. ([Banking Dive](https://www.bankingdive.com/news/pnc-bank-ceo-demchak-earnings-regional-scale-automation/810116/), [PYMNTS](https://www.pymnts.com/earnings/2026/td-bank-unlocks-141-million-dollars-ai-value-months-ahead-schedule/), [Citizens Financial Group (SEC filings)](https://www.sec.gov/Archives/edgar/data/759944/000075994426000133/a2q26earningspresentatio.htm))

## Where does PNC 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.)](https://www.bankingnewsai.com/banks/td-bank-us) | [91.8](https://www.bankingnewsai.com/banks/ai-index) | #4 of 120 | [27](https://www.bankingnewsai.com/banks/td-bank-us#sources) | [23](https://www.bankingnewsai.com/banks/td-bank-us#sources) | [13 of 18](https://www.bankingnewsai.com/banks/td-bank-us#where) | [28](https://www.bankingnewsai.com/banks/td-bank-us#timeline) | Layer 6 and TD AI Prism ([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), [TD Bank Group](https://stories.td.com/ca/en/news/2026-01-16-td-wins-big-innovation-awards-for-fifth-consecutive-year-e2-80-af), [American Banker](https://www.americanbanker.com/news/td-banks-maksims-volkovs-is-4-on-the-most-innovative-people-in-finance-ranking)) |
| [BMO (U.S.)](https://www.bankingnewsai.com/banks/bmo-us) | [85.8](https://www.bankingnewsai.com/banks/ai-index) | #10 of 120 | [16](https://www.bankingnewsai.com/banks/bmo-us#sources) | [26](https://www.bankingnewsai.com/banks/bmo-us#sources) | [14 of 16](https://www.bankingnewsai.com/banks/bmo-us#where) | [33](https://www.bankingnewsai.com/banks/bmo-us#timeline) | Lumi, Aura and the Institute for Applied AI & Quantum ([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), [BMO](https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum)) |
| [Citizens Financial Group](https://www.bankingnewsai.com/banks/citizens) | [85.3](https://www.bankingnewsai.com/banks/ai-index) | #11 of 120 | [25](https://www.bankingnewsai.com/banks/citizens#sources) | [18](https://www.bankingnewsai.com/banks/citizens#sources) | [10 of 20](https://www.bankingnewsai.com/banks/citizens#where) | [26](https://www.bankingnewsai.com/banks/citizens#timeline) | CiZi and the cloud-native core ([American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://www.americanbanker.com/news/citizens-details-how-ai-is-speeding-everything-up)) |
| [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | [84.2](https://www.bankingnewsai.com/banks/ai-index) | #13 of 120 | [19](https://www.bankingnewsai.com/banks/huntington#sources) | [17](https://www.bankingnewsai.com/banks/huntington#sources) | [15 of 17](https://www.bankingnewsai.com/banks/huntington#where) | [29](https://www.bankingnewsai.com/banks/huntington#timeline) | Agentic process transformation, run from finance ([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), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb)) |
| [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | [84](https://www.bankingnewsai.com/banks/ai-index) | #14 of 120 | [27](https://www.bankingnewsai.com/banks/fifth-third#sources) | [17](https://www.bankingnewsai.com/banks/fifth-third#sources) | [10 of 13](https://www.bankingnewsai.com/banks/fifth-third#where) | [25](https://www.bankingnewsai.com/banks/fifth-third#timeline) | Jeanie and the Newline MCP server ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1), [Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html)) |
| [Truist Financial](https://www.bankingnewsai.com/banks/truist) | [82.6](https://www.bankingnewsai.com/banks/ai-index) | #16 of 120 | [18](https://www.bankingnewsai.com/banks/truist#sources) | [18](https://www.bankingnewsai.com/banks/truist#sources) | [13 of 15](https://www.bankingnewsai.com/banks/truist#where) | [27](https://www.bankingnewsai.com/banks/truist#timeline) | Truist Insights and the 'digital teammates' ([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)) |
| [U.S. Bancorp](https://www.bankingnewsai.com/banks/us-bancorp) | [81.3](https://www.bankingnewsai.com/banks/ai-index) | #18 of 120 | [17](https://www.bankingnewsai.com/banks/us-bancorp#sources) | [21](https://www.bankingnewsai.com/banks/us-bancorp#sources) | [16 of 18](https://www.bankingnewsai.com/banks/us-bancorp#where) | [26](https://www.bankingnewsai.com/banks/us-bancorp#timeline) | In-house tools from the AI Center of Excellence ([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), [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. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-ai-driven-cash-forecasting-tool.html)) |
| [PNC Financial Services (this page)](https://www.bankingnewsai.com/banks/pnc) | [68.2](https://www.bankingnewsai.com/banks/ai-index) | #38 of 120 | [17](https://www.bankingnewsai.com/banks/pnc#sources) | [15](https://www.bankingnewsai.com/banks/pnc#sources) | [8 of 14](https://www.bankingnewsai.com/banks/pnc#where) | [24](https://www.bankingnewsai.com/banks/pnc#timeline) | PNC AI factory ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [American Banker](https://www.americanbanker.com/news/pncs-solution-to-rising-ai-costs-build-its-own-ai), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1), [Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299)) |
| [First Citizens BancShares](https://www.bankingnewsai.com/banks/first-citizens) | [67.7](https://www.bankingnewsai.com/banks/ai-index) | #39 of 120 | [11](https://www.bankingnewsai.com/banks/first-citizens#sources) | [17](https://www.bankingnewsai.com/banks/first-citizens#sources) | [12 of 14](https://www.bankingnewsai.com/banks/first-citizens#where) | [24](https://www.bankingnewsai.com/banks/first-citizens#timeline) | An enterprise AI program being built, not bought ([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), [First Citizens Bank](https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-Bank)) |

## On which parts of the AI record is PNC ahead of or behind its peers?

Each row is one input of the index, counted on the profiles of PNC and the 8 peers that are scored on the same basis. "Place" is PNC's position in the group of 9 (1st = most).

| Component (weight) | PNC | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 17 | 18.5 | [TD (27)](https://www.bankingnewsai.com/banks/td-bank-us) | 6th of 9 |
| Use cases in production (10%) | 8 | 13 | [U.S. Bank (16)](https://www.bankingnewsai.com/banks/us-bancorp) | 9th of 9 |
| Own primary disclosures (10%) | 15 | 18 | [BMO (26)](https://www.bankingnewsai.com/banks/bmo-us) | 9th of 9 |
| Dated moves, last 12 months (10%) | 24 | 26.5 | [BMO (33)](https://www.bankingnewsai.com/banks/bmo-us) | 8th of 9 |
| Disclosed numbers (5%) | 12 | 17.5 | [Citizens (20)](https://www.bankingnewsai.com/banks/citizens) | 7th of 9 |
| Named AI leaders (5%) | 10 | 13.5 | [BMO (15)](https://www.bankingnewsai.com/banks/bmo-us) | 8th of 9 |
| Use cases described (5%) | 14 | 16.5 | [Citizens (20)](https://www.bankingnewsai.com/banks/citizens) | 7th of 9 |

## What has each bank in PNC'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 |
| --- | --- | --- | --- | --- | --- |
| [PNC Financial Services](https://www.bankingnewsai.com/banks/pnc) | PNC AI factory ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [American Banker](https://www.americanbanker.com/news/pncs-solution-to-rising-ai-costs-build-its-own-ai), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1), [Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299)) | [10, incl. Bill Demchak (Chairman and CEO)](https://www.bankingnewsai.com/banks/pnc#people) ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [Bloomberg](https://www.bloomberg.com/news/articles/2026-01-26/how-pnc-became-one-of-the-world-s-biggest-banks)) | AI share of the year-over-year increase in technology spending: ≈ 20% (Jan 16, 2026) ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/news/pnc-financial-services-group-q4-163523838.html)) | 4 patents listed on the profile, e.g. US 2025/0094839 A1 (Applying rules via artificial intelligence for document processing) ([Google Patents (USPTO)](https://patents.google.com/patent/US20250094839A1/en)) | [12+ open AI roles (Oct 1, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/pnc#roles) |
| [Truist Financial](https://www.bankingnewsai.com/banks/truist) | Truist Insights and the 'digital teammates' ([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)) | [14, incl. Steve Hagerman (Chief Information Officer)](https://www.bankingnewsai.com/banks/truist#people) ([American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking), [Truist](https://media.truist.com/Steve-Hagerman), [Banking Dive](https://www.bankingdive.com/news/truist-names-jpmorgan-wells-vet-next-cio/723737/)) | AI use cases deployed in 2025: 50+ (Jun 1, 2026) ([American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking)) | 4 patents listed on the profile, e.g. US 12,657,538 B2 (Audio signal processing and dynamic natural-language risk scoring of customer communications) ([Google Patents (USPTO)](https://patents.google.com/patent/US12657538B2/en)) | [12+ open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/truist#roles) |
| [U.S. Bancorp](https://www.bankingnewsai.com/banks/us-bancorp) | In-house tools from the AI Center of Excellence ([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), [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. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-ai-driven-cash-forecasting-tool.html)) | [13, incl. Prashant Mehrotra (EVP and Chief AI Officer)](https://www.bankingnewsai.com/banks/us-bancorp#people) ([American Banker](https://www.americanbanker.com/news/benchmarking-ai-adoption-what-u-s-banks-playbook-tells-us), [American Banker](https://www.americanbanker.com/news/beyond-token-maxing-how-u-s-bank-ai-chief-navigates-costs), [The Wall Street Journal (Deloitte CMO Journal)](https://deloitte.wsj.com/cmo/u-s-bank-chief-ai-officer-on-transformation-if-not-now-when-d6ab3469)) | Operations employees under the new COO: 16,000+ (Mar 26, 2026) ([Business Wire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603261645BIZWIRE_USPRX____20260326_BW200557-1)) | 7 patents listed on the profile, e.g. US 2024/0144204 A1 (Check fraud detection comparing incoming check image and signature with a reference) ([Google Patents (USPTO)](https://patents.google.com/patent/US20240144204A1/en)) | [12+ open AI roles (Oct 1, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/us-bancorp#roles) |
| [TD Bank (U.S.)](https://www.bankingnewsai.com/banks/td-bank-us) | Layer 6 and TD AI Prism ([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), [TD Bank Group](https://stories.td.com/ca/en/news/2026-01-16-td-wins-big-innovation-awards-for-fifth-consecutive-year-e2-80-af), [American Banker](https://www.americanbanker.com/news/td-banks-maksims-volkovs-is-4-on-the-most-innovative-people-in-finance-ranking)) | [13, incl. Maksims Volkovs (SVP and Chief AI Scientist, Layer 6)](https://www.bankingnewsai.com/banks/td-bank-us#people) ([American Banker](https://www.americanbanker.com/news/td-banks-maksims-volkovs-is-4-on-the-most-innovative-people-in-finance-ranking), [TD Bank Group](https://stories.td.com/ca/en/news/2026-01-16-td-wins-big-innovation-awards-for-fifth-consecutive-year-e2-80-af)) | AI value target: C$200 million (FY2026), C$1 billion a year medium term (Aug 27, 2026) ([PYMNTS](https://www.pymnts.com/earnings/2026/td-bank-unlocks-141-million-dollars-ai-value-months-ahead-schedule/), [Banking Dive](https://www.bankingdive.com/news/td-investor-day-ceo-chun-salom-cost-cuts-branches/761458/)) | 5 patents listed on the profile, e.g. US 2024/0127036 A1 (Multi-event time-series encoding) ([Google Patents (USPTO)](https://patents.google.com/patent/US20240127036A1/en)) | [12+ open AI roles (Oct 1, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/td-bank-us#roles) |
| [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | Jeanie and the Newline MCP server ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1), [Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html)) | [14, incl. Tim Spence (Chairman, CEO and President)](https://www.bankingnewsai.com/banks/fifth-third#people) ([Bloomberg](https://www.bloomberg.com/news/articles/2026-03-11/fifth-third-sees-pretty-remarkable-outcome-of-ai-to-lower-cost), [CNBC](https://www.cnbc.com/video/2025/12/09/fifth-third-bancorp-ceo-tim-spence-on-new-partnership-with-brex.html)) | Mobile app releases: 500+ in 2025, from ≈ 2 a year in 2021 (Jun 9, 2026) ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-06-09.html)) | 3 patents listed on the profile, e.g. US 11,868,865 B1 (Systems and methods for cash structuring activity monitoring) ([Google Patents (USPTO)](https://patents.google.com/patent/US11868865B1/en)) | [6 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/fifth-third#roles) |
| [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | Agentic process transformation, run from finance ([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), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb)) | [14, incl. Zach Wasserman (Chief Financial Officer)](https://www.bankingnewsai.com/banks/huntington#people) ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb), [American Banker](https://www.americanbanker.com/podcast/its-a-tremendous-priority-huntington-cfo-wasserman-on-ai)) | AI agents in production / in development: 50 / 60+, ≈ 15 new a month (Apr 24, 2026) ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/)) | 6 patents listed on the profile, e.g. US 11,194,637 B2 (Extensible alerts platform) ([Google Patents (USPTO)](https://patents.google.com/patent/US11194637B2/en)) | [9 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/huntington#roles) |
| [BMO (U.S.)](https://www.bankingnewsai.com/banks/bmo-us) | Lumi, Aura and the Institute for Applied AI & Quantum ([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), [BMO](https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum)) | [15, incl. Kristin Milchanowski (Chief AI & Quantum Officer)](https://www.bankingnewsai.com/banks/bmo-us#people) ([BMO](https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum), [American Banker](https://www.americanbanker.com/news/bmos-kristin-milchanowski-is-39-on-the-most-innovative-people-in-finance-ranking)) | Employee AI adoption: > 96% (Apr 24, 2026) ([BMO](https://newsroom.bmo.com/2026-04-24-BMO-Launches-Return-on-Intelligence-Podcast-AI,-Quantum,-and-the-New-Rules-of-Decision-Making)) | 4 patents listed on the profile, e.g. US 2026/0119566 A1 (Machine-learning database search and knowledge mining over query logs) ([Google Patents (USPTO)](https://patents.google.com/patent/US20260119566A1/en)) | [7 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/bmo-us#roles) |
| [First Citizens BancShares](https://www.bankingnewsai.com/banks/first-citizens) | An enterprise AI program being built, not bought ([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), [First Citizens Bank](https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-Bank)) | [11, incl. Frank Holding Jr. (Chairman and CEO)](https://www.bankingnewsai.com/banks/first-citizens#people) ([Reuters](https://www.reuters.com/sustainability/boards-policy-regulation/first-citizens-ceo-frank-holding-named-federal-advisory-council-2026-02-10/)) | AI share of healthcare investment (SVB report): 46% in 2025 (Jan 8, 2026) ([First Citizens Bank](https://newsroom.firstcitizens.com/2026-01-08-AI-Investment-Accounted-for-Nearly-Half-of-Healthcare-Investment-in-2025-Silicon-Valley-Bank-Releases-17th-Healthcare-Investments-and-Exits-Report)) | Not disclosed | [4 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/first-citizens#roles) |
| [Citizens Financial Group](https://www.bankingnewsai.com/banks/citizens) | CiZi and the cloud-native core ([American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://www.americanbanker.com/news/citizens-details-how-ai-is-speeding-everything-up)) | [10, incl. Brendan Coughlin (President)](https://www.bankingnewsai.com/banks/citizens#people) ([American Banker](https://www.americanbanker.com/news/citizens-latest-move-further-positions-coughlin-as-next-ceo), [American Banker](https://www.americanbanker.com/news/citizens-details-how-ai-is-speeding-everything-up)) | Developers with coding agents: ≈ 800 (half) (Nov 20, 2025) ([American Banker](https://www.americanbanker.com/news/how-citi-citizens-td-deploy-ai-agents-without-upsetting-humans)) | 4 patents listed on the profile, e.g. US 2025/0150457 A1 (AI-driven integration platform and user-adaptive interface for business relationship orchestration) ([Google Patents (USPTO)](https://patents.google.com/patent/US20250150457A1/en)) | [6 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/citizens#roles) |

## What are the latest dated moves on the AI record of PNC 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](https://www.bankingnewsai.com/banks/td-bank-us) | Agentic AI extended to mortgage funding and discharge ([TD Bank Group (Canada Newswire via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/td-expands-agentic-ai-across-093000362.html)) |
| Oct 12, 2026 | [Fifth Third](https://www.bankingnewsai.com/banks/fifth-third) | AI chief Jay Budzik describes the lending-model upgrade ([Northwestern McCormick School of Engineering](https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html)) |
| Oct 7, 2026 | [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | Venkatachari: from proving AI to industrializing it ([Forbes (Yahoo Finance)](https://finance.yahoo.com/news/u-bank-industrializing-ai-132012524.html)) |
| Oct 6, 2026 | [First Citizens](https://www.bankingnewsai.com/banks/first-citizens) | First Citizens Innovation Banking launched; SVB name retired ([First Citizens Bank](https://newsroom.firstcitizens.com/2026-10-06-First-Citizens-Bank-Launches-New-Innovation-Banking-Brand)) |
| Oct 6, 2026 | [BMO](https://www.bankingnewsai.com/banks/bmo-us) | Evident AI Index 2026: top 20 overall, #2 for AI outcomes ([BMO (CNW via FT Markets)](https://markets.ft.com/data/announce/full?dockey=600-202610060700CANADANWCANADAPR_C6630-1)) |
| Oct 6, 2026 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) | US survey: 69% would let a bank AI assistant complete a financial task ([TD Bank U.S. (Business Wire via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/nearly-7-10-americans-let-123000213.html)) |
| Oct 1, 2026 | [Fifth Third](https://www.bankingnewsai.com/banks/fifth-third) | CMO: generative AI kept away from customers on purpose ([The Financial Brand](https://thefinancialbrand.com/banking-podcasts/fifth-third-succeeds-through-empowered-employees)) |
| Sep 29, 2026 | [Citizens](https://www.bankingnewsai.com/banks/citizens) | Coughlin: engineers now 30-40% more productive with AI ([American Banker](https://www.americanbanker.com/news/tech-leaders-say-ai-could-end-humanity-banks-still-love-it)) |
| Sep 29, 2026 | [Citizens](https://www.bankingnewsai.com/banks/citizens) | Q4 2026 Business Pulse: small-business AI spending rising ([Citizens (Business Wire via Yahoo Finance)](https://finance.yahoo.com/small-business/articles/citizens-q4-2026-business-pulse-110000359.html)) |
| Sep 29, 2026 | [Huntington](https://www.bankingnewsai.com/banks/huntington) | Named a Coverbase enterprise customer ([Coverbase (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html)) |
| Sep 29, 2026 | [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | CFO Insights Report: AI spending running over budget ([U.S. Bank (Business Wire)](https://www.businesswire.com/news/home/20260929120677/en/U.S.-Bank-CFO-Survey-Optimism-Climbing-as-Growth-and-Dealmaking-Gain-Momentum)) |
| Sep 25, 2026 | [Huntington](https://www.bankingnewsai.com/banks/huntington) | Vakharia on AI in bank marketing ([Banking Dive](https://bankingdive.com/news/huntington-bank-marketing-digital-brand-customer-experience-vakharia/831361)) |
| Sep 25, 2026 | [PNC](https://www.bankingnewsai.com/banks/pnc) | Head of ATM Banking hired with an AI mandate ([Columbus Business First (bizjournals.com)](https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson)) |
| Sep 22, 2026 | [BMO](https://www.bankingnewsai.com/banks/bmo-us) | C$1 billion a year from AI by 2030 ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/bmo-sees-loan-demand-surge-020206941.html)) |
| Sep 18, 2026 | [Truist](https://www.bankingnewsai.com/banks/truist) | Mid-table on AI-judged reputation ([American Banker](https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh)) |
| Sep 17, 2026 | [First Citizens](https://www.bankingnewsai.com/banks/first-citizens) | CB Insights joins SVB's partner network with its ChatCBI AI agent ([CB Insights (PR Newswire)](https://prnewswire.com/news-releases/cb-insights-joins-silicon-valley-banks-partner-network-to-give-innovators-a-competitive-edge-302881431.html)) |
| Sep 16, 2026 | [Truist](https://www.bankingnewsai.com/banks/truist) | Insights scale: 4 million daily sign-ins, 500 insights a year per customer ([The Financial Brand](https://thefinancialbrand.com/news/banking-technology/how-truist-delivers-proactive-insights-to-its-app-and-online-users-199568)) |
| Sep 14, 2026 | [PNC](https://www.bankingnewsai.com/banks/pnc) | Barclays conference: agents at the centre of development, 5–10x ([Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299)) |

## How does PNC's choice to build its own AI compare with other regional banks'?

Where each bank's AI runs and who builds it, as each has disclosed.

| Bank | Approach | Since |
| --- | --- | --- |
| PNC | Own GPUs and data centres; proprietary small language models; open-weight models in-house; frontier models through hyperscalers; a harness picks the cheapest adequate model | June and September 2026 ([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)) |
| U.S. Bancorp | Multiyear AWS agreement (Bedrock, Nova Sonic, Connect Customer); OpenAI, Anthropic and Google models alongside proprietary and open-source | May 2026 ([Banking Dive](https://bankingdive.com/news/us-bank-shifts-critical-apps-aws-ai-push/819964), [American Banker](https://www.americanbanker.com/news/beyond-token-maxing-how-u-s-bank-ai-chief-navigates-costs)) |
| Huntington | Up to 80% of AI delivered through vendor suites, about 20% built in-house | September 2025 ([American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai)) |
| Citizens | 700 applications migrated to the cloud in four years; last mainframe being unplugged | June 2026 ([American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking)) |
| TD Bank Group | Layer 6 builds models in-house, including the TD AI Prism foundation model | June 2025 ([TD Bank Group](https://stories.td.com/ca/en/news/2025-06-11-td-announces-launch-of-groundbreaking-predictive-foundation)) |
| First Citizens | Enterprise AI program 'built conservatively', with an in-house AI team building platform building blocks | 2026 ([First Citizens Bank](https://newsroom.firstcitizens.com/image/First-Citizens-Bank-Frontier-AI-Fact-Sheet.pdf), [First Citizens Bank](https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-Bank)) |

## How do PNC's AI savings targets compare with other regional banks'?

Each bank's own figure; definitions differ (addressable spend, value delivered, run-rate benefit, percentage targets).

| Bank | Figure disclosed | Type | Date |
| --- | --- | --- | --- |
| PNC | $1.4 billion across 171 opportunities; about 40 points of operating leverage from AI by 2030 | Addressable spend and target | January 2026 ([Banking Dive](https://www.bankingdive.com/news/pnc-bank-ceo-demchak-earnings-regional-scale-automation/810116/)) |
| TD Bank Group | C$195 million in the first three quarters of fiscal 2026; C$1 billion a year targeted medium term | Value delivered and target | July and August 2026 ([PYMNTS](https://www.pymnts.com/earnings/2026/td-bank-unlocks-141-million-dollars-ai-value-months-ahead-schedule/), [Banking Dive](https://www.bankingdive.com/news/td-investor-day-ceo-chun-salom-cost-cuts-branches/761458/)) |
| Citizens | About $100 million run-rate by end-2026, $450 million-plus by end-2028 | Run-rate benefit target | July 2026 ([Citizens Financial Group (SEC filings)](https://www.sec.gov/Archives/edgar/data/759944/000075994426000133/a2q26earningspresentatio.htm)) |
| BMO | C$1 billion of pre-provision, pre-tax income by 2030 (group) | Target | September 2026 ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/bmo-sees-loan-demand-surge-020206941.html)) |
| Huntington | 10%-15% cost reduction and 10%-15% revenue increase from targeted use cases | Percentage target | September 2025 ([American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai)) |
| U.S. Bancorp | None AI-specific; AI and automation one of four signature expense programs | Not quantified | January 2026 ([U.S. Bancorp via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/36104/000003610426000005/a4q25earningscallpresent.htm)) |

## How does PNC's agent-built software compare with other regional banks' AI coding results?

Each bank's own measure; not comparable one to one.

| Bank | What it did | Result disclosed | Date |
| --- | --- | --- | --- |
| PNC | About 115 orchestrated agents built and tested the new mobile app with human review; agents at the centre of development | 5-10x productivity; developer tools made some offerings about 40% more efficient | July and September 2026 ([Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/), [Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/pnc-financial-reaffirms-outlook-loans-110208542.html)) |
| Citizens | GitHub Copilot's agent for about 800 developers; generative AI rewrote a mortgage system for the cloud in six weeks | Output +10% overall, +55% for advanced-agent users | November 2025; June 2026 ([American Banker](https://www.americanbanker.com/news/how-citi-citizens-td-deploy-ai-agents-without-upsetting-humans), [American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking)) |
| U.S. Bancorp | GenAI code-review assistant; Copilot, Cognition and Claude Code | Review time cut 75% | 2025 annual report ([U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf), [American Banker](https://www.americanbanker.com/news/beyond-token-maxing-how-u-s-bank-ai-chief-navigates-costs)) |
| TD Bank US | GitHub Copilot for 1,800 US developers | 30%-40% technology-capacity gain | September 2026 ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/td-bank-targets-100-u-230222427.html)) |
| Fifth Third | AI code generation and automated testing | 45% prompt acceptance; more than 87% of unit testing automated | June 2026 ([Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html)) |

## How does PNC's customer-facing AI compare with other regional banks' assistants?

Assistants each bank has launched or announced, with the bank's own figures.

| Bank | Assistant | Status or result | Date |
| --- | --- | --- | --- |
| PNC | Own digital assistant; the new app platform is built for embedded generative-AI assistance | Planned for later in 2026 | July 2026 ([Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/), [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)) |
| Truist | Truist Assist | 12.5 million-plus requests from 2023 to March 2026; 9 million-plus handled end to end | March 2026 ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm)) |
| U.S. Bancorp | Smart Assistant, voice-first and bilingual | Used 2.5 million times a month | 2025 annual report ([U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf)) |
| Citizens | CiZi | Mobile-banking call volume down 44% | June 2026 ([American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking)) |
| Fifth Third | Jeanie | Self-service containment from 3% to 42% | August 2026 ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html)) |

## Which banks are PNC's peers, and why these?

PNC Financial Services is compared here with Truist Financial, U.S. Bancorp, TD Bank (U.S.), Fifth Third Bancorp, Huntington Bancshares, BMO (U.S.), First Citizens BancShares and Citizens Financial Group: 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. PNC Financial Services is classed as a regional or retail-commercial bank in the Northeast.

## Common questions

### Is PNC behind other banks on AI?

On the public record, yes: PNC scores 68.2 on this site's disclosure index, eighth of nine large regional banks, with the fewest use cases in production (8) and its own disclosures (15). Its strategy is unusual rather than absent: it is building its own GPUs, data centres and language models, used about 115 AI agents to build its new mobile app, and targets another 40 points of operating leverage from AI by 2030. ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/), [Banking Dive](https://www.bankingdive.com/news/pnc-bank-ceo-demchak-earnings-regional-scale-automation/810116/))

### Is PNC better than U.S. Bank at AI?

U.S. Bank has more on the record (81.3 against 68.2 on this site's index), including 16 use cases in production and a voice assistant used 2.5 million times a month. The approaches differ: U.S. Bank signed a multiyear AWS deal and mixes OpenAI, Anthropic and Google models; PNC is building its own AI factory to avoid token costs and vendor lock-in. PNC publishes an AI savings target; U.S. Bank does not. ([U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf), [Banking Dive](https://bankingdive.com/news/us-bank-shifts-critical-apps-aws-ai-push/819964), [American Banker](https://www.americanbanker.com/news/beyond-token-maxing-how-u-s-bank-ai-chief-navigates-costs), [American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [Banking Dive](https://www.bankingdive.com/news/pnc-bank-ceo-demchak-earnings-regional-scale-automation/810116/))

### Why is PNC building its own AI instead of using a vendor?

Cost and control. Demchak said in June 2026 that any productivity AI brings 'can be taken away by the cost of tokens', and that 'the most efficient tool oftentimes isn't the $35 token, it's the $1.50 token'; a spokesperson said the aim is to avoid vendor lock-in and reliance on usage-based pricing. PNC still reaches frontier models through hyperscalers and runs open-weight models in-house. ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [American Banker](https://www.americanbanker.com/news/pncs-solution-to-rising-ai-costs-build-its-own-ai), [Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299))

### How does PNC compare with Truist on AI?

Truist has more on the record (82.6 against 68.2), including Truist Assist's 12.5 million-plus requests, more than 2 billion Truist Insights since 2023 and a chief AI and data officer hired from Microsoft. PNC's record is about infrastructure and engineering: its own AI factory, an agent-built mobile app and a $1.4 billion addressable-spend target. Neither publishes AI value delivered. ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Truist via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1), [Truist](https://media.truist.com/2025-11-19-Truist-names-Pascal-Belaud-as-chief-AI-data-officer), [American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/), [Banking Dive](https://www.bankingdive.com/news/pnc-bank-ceo-demchak-earnings-regional-scale-automation/810116/))

### Does PNC have an AI assistant like Erica?

Not yet. Head of retail banking Alex Overstrom said in July 2026 that PNC plans to roll out its own digital assistant later in 2026, and the new app platform is designed for embedded generative-AI assistance. PNC hired Tim Ferriter from JPMorgan Chase, where he ran the Chase app and consumer AI strategy, as head of retail product, digital and growth in May 2026. ([Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/), [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), [PNC via PR Newswire](https://www.prnewswire.com/news-releases/pnc-bank-announces-tim-ferriter-as-head-of-retail-product-digital-and-growth-302773857.html))

### How does PNC govern AI compared with its peers?

PNC's 2025 10-K says a minority of its models, but a growing number used with customers and for process automation, rely on AI and machine learning, and names the laws that govern them; it is adopting data 'nutrition labels' for model training data. Truist's 10-K says its AI program is based on the NIST AI Risk Management Framework, and U.S. Bank reviews every use case through one governance body. ([PNC via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/713676/000071367626000020/pnc-20251231.htm), [American Banker](https://www.americanbanker.com/news/do-banks-need-a-nutrition-label-for-their-ai-model-data), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [American Banker](https://www.americanbanker.com/news/benchmarking-ai-adoption-what-u-s-banks-playbook-tells-us))

### How much does PNC spend on technology compared with other banks?

About $3.5 billion a year, rising about 10% in 2026, with AI about 20% of the increase. That is far below JPMorgan Chase (about $19.8 billion), Bank of America (about $14 billion) and Wells Fargo (more than $10 billion), and close to BNY (about $3.8 billion in 2025). ([Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/news/pnc-financial-services-group-q4-163523838.html), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026010693/firmoverview.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-11-bridget-engle-wells-fargo), [CNBC](https://www.cnbc.com/2026/02/09/digital-employees-ai-bootcamps-americas-oldest-bank-spends-billions-on-tech.html))

## Peers on this site

- [Truist Financial AI strategy](https://www.bankingnewsai.com/banks/truist) · [vs peers](https://www.bankingnewsai.com/banks/truist/vs-peers)
- [U.S. Bancorp AI strategy](https://www.bankingnewsai.com/banks/us-bancorp) · [vs peers](https://www.bankingnewsai.com/banks/us-bancorp/vs-peers)
- [TD Bank (U.S.) AI strategy](https://www.bankingnewsai.com/banks/td-bank-us) · [vs peers](https://www.bankingnewsai.com/banks/td-bank-us/vs-peers)
- [Fifth Third Bancorp AI strategy](https://www.bankingnewsai.com/banks/fifth-third) · [vs peers](https://www.bankingnewsai.com/banks/fifth-third/vs-peers)
- [Huntington Bancshares AI strategy](https://www.bankingnewsai.com/banks/huntington) · [vs peers](https://www.bankingnewsai.com/banks/huntington/vs-peers)
- [BMO (U.S.) AI strategy](https://www.bankingnewsai.com/banks/bmo-us) · [vs peers](https://www.bankingnewsai.com/banks/bmo-us/vs-peers)
- [First Citizens BancShares AI strategy](https://www.bankingnewsai.com/banks/first-citizens) · [vs peers](https://www.bankingnewsai.com/banks/first-citizens/vs-peers)
- [Citizens Financial Group AI strategy](https://www.bankingnewsai.com/banks/citizens) · [vs peers](https://www.bankingnewsai.com/banks/citizens/vs-peers)

## Sources

1. Why PNC is building its own 'AI factory' — American Banker, Jun 11, 2026. https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory
2. U.S. Bank shifts critical apps to AWS for AI push — Banking Dive, May 12, 2026. https://bankingdive.com/news/us-bank-shifts-critical-apps-aws-ai-push/819964
3. Huntington Bank's plan to obtain a return on gen AI — American Banker, Sep 11, 2025. https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai
4. PNC's new mobile banking app built on personalization — Banking Dive, Jul 8, 2026. https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/
5. PNC at Barclays conference: growth, AI and branch push (transcript) — Investing.com, Sep 14, 2026. https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299
6. 'We're coming' to 'fight you,' PNC's Demchak warns banks — Banking Dive, Jan 21, 2026. https://www.bankingdive.com/news/pnc-bank-ceo-demchak-earnings-regional-scale-automation/810116/
7. Exhibit 99.3: First quarter 2026 earnings presentation (Form 8-K) — Truist Financial (SEC filing), Apr 17, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm
8. U.S. Bancorp Annual Report 2025 — U.S. Bank, Feb 23, 2026. https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf
9. PNC's solution to rising AI costs: build its own AI — American Banker, Jun 12, 2026. https://www.americanbanker.com/news/pncs-solution-to-rising-ai-costs-build-its-own-ai
10. Citizens Financial's Michael Ruttledge is #43 on the Most Innovative People in Finance ranking — American Banker, Jun 1, 2026. https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking
11. PNC's New Mobile App Delivers an Intuitive, Personalized Experience to Help Clients Seamlessly Manage Their Day-to-Day Financial Lives — PNC via FT Markets, Jul 7, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1
12. PNC Financial at Bank of America Conference: Strategic Growth in 2026 (transcript) — Investing.com, Feb 10, 2026. https://www.investing.com/news/transcripts/pnc-financial-at-bank-of-america-conference-strategic-growth-in-2026-93CH-4497725
13. The PNC Financial Services Group Q4 Earnings Call Highlights — MarketBeat (Yahoo Finance), Jan 16, 2026. https://finance.yahoo.com/news/pnc-financial-services-group-q4-163523838.html
14. U.S. Bancorp fourth-quarter 2025 earnings call presentation (Form 8-K exhibit) — U.S. Bancorp via SEC EDGAR, Jan 20, 2026. https://www.sec.gov/Archives/edgar/data/36104/000003610426000005/a4q25earningscallpresent.htm
15. PNC, Regions, Citizens execs eschew M&A 'distraction' — Banking Dive, Sep 16, 2026. https://www.bankingdive.com/news/pnc-regions-citizens-execs-eschew-bank-acquisitions-mergers-distraction-ai/830543/
16. PNC (PNC) Q2 2026 Earnings Call Transcript — Yahoo Finance, Jul 15, 2026. https://finance.yahoo.com/quote/PNC/earnings/PNC-Q2-2026-earnings_call-649662.html
17. PNC Completes FirstBank Customer Conversion — PNC via FT Markets, Jun 22, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202606220745PR_NEWS_USPRX____NE88394-1
18. Stock Movers: AMD, Fifth Third, Tesla (Comerica deal) — Bloomberg, Oct 6, 2025. https://www.bloomberg.com/news/audio/2025-10-06/stock-movers-amd-fifth-third-tesla-podcast
19. Huntington to buy Cadence Bank for $7.4B — Banking Dive, Oct 27, 2025. https://www.bankingdive.com/news/huntington-buying-cadence-bank-74b-acquisition/803832/
20. At Huntington Bancshares, the CFO is also the AI strategist — Fortune, Apr 24, 2026. https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/
21. Fifth Third's Jeanie Named Best Chatbot by Tearsheet AI Innovation Awards — Fifth Third, Aug 12, 2026. https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html
22. Beyond token-maxing: How U.S. Bank AI chief navigates costs — American Banker, Jul 30, 2026. https://www.americanbanker.com/news/beyond-token-maxing-how-u-s-bank-ai-chief-navigates-costs
23. Truist names Pascal Belaud as chief AI & data officer — Truist, Nov 19, 2025. https://media.truist.com/2025-11-19-Truist-names-Pascal-Belaud-as-chief-AI-data-officer
24. BMO Establishes Institute for Applied Artificial Intelligence & Quantum — BMO, Apr 9, 2026. https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum
25. TD Bank Unlocks $141 Million in AI Value Months Ahead of Schedule — PYMNTS, Aug 27, 2026. https://www.pymnts.com/earnings/2026/td-bank-unlocks-141-million-dollars-ai-value-months-ahead-schedule/
26. 2Q26 Earnings Presentation (Form 8-K, Exhibit 99.2) — Citizens Financial Group (SEC filings), Jul 16, 2026. https://www.sec.gov/Archives/edgar/data/759944/000075994426000133/a2q26earningspresentatio.htm
27. TD Announces Launch of Groundbreaking Predictive Foundation Model — TD Bank Group, Jun 11, 2025. https://stories.td.com/ca/en/news/2025-06-11-td-announces-launch-of-groundbreaking-predictive-foundation
28. TD Launches Agentic AI to Transform Real Estate Secured Lending from End to End — TD Bank Group, May 21, 2026. https://stories.td.com/ca/en/news/2026-05-21-td-launches-agentic-ai-to-transform-real-estate-secured-lend
29. TD wins BIG Innovation Awards for fifth consecutive year — TD Bank Group, Jan 16, 2026. https://stories.td.com/ca/en/news/2026-01-16-td-wins-big-innovation-awards-for-fifth-consecutive-year-e2-80-af
30. Maksims Volkovs drives TD Bank's AI transformation — American Banker, Jun 1, 2026. https://www.americanbanker.com/news/td-banks-maksims-volkovs-is-4-on-the-most-innovative-people-in-finance-ranking
31. Meet Lumi Assistant: BMO's award-winning AI tool empowering Team BMO — BMO, Jun 24, 2025. https://www.bmo.com/en-ca/main/about-bmo/news-insights/blog/meet-lumi-assistant-bmos-award-winning-ai-tool-empowering-team-bmo
32. Aura: Helping power BMO's goal of 50% faster underwriting by 2028 — BMO AI Hub, Aug 6, 2026. https://ai.bmo.com/our-stories/aura-helping-power-bmos-goal-of-50-faster-underwriting-by-2028
33. Citizens details how AI is speeding everything up — American Banker, Mar 27, 2026. https://www.americanbanker.com/news/citizens-details-how-ai-is-speeding-everything-up
34. Banking on AI: Huntington's CFO on Innovation and Risk Oversight — The Wall Street Journal (Deloitte CFO Journal), Sep 15, 2025. https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb
35. Fifth Third Launches AI-Powered Interface in Mobile App — Fifth Third via FT Markets, Jun 17, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1
36. Fifth Third's Newline Extends MCP Server Capabilities with Skills — Fifth Third (Business Wire via Yahoo Finance), Apr 13, 2026. https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html
37. Truist delivers 2 billion AI-powered proactive insights — Truist via FT Markets, Sep 3, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1
38. Steve Hagerman's agentic vision for Truist's future — American Banker, Jun 1, 2026. https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking
39. U.S. Bank launches Design Assistant, an AI solution to empower designers at scale — U.S. Bank, Mar 30, 2026. 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
40. U.S. Bank gives embedded banking clients a gen AI assistant — American Banker, Jan 15, 2026. https://www.americanbanker.com/news/u-s-bank-gives-embedded-banking-clients-a-gen-ai-assistant
41. AI-powered Statement Analyzer simplifies payment services for small businesses — U.S. Bank, May 26, 2026. https://www.usbank.com/about-us-bank/news-and-stories/article-library/ai-powered-statement-analyzer-simplifies-payment-services-for-small-businesses.html
42. U.S. Bank launches AI-driven cash forecasting tool — U.S. Bank, Nov 18, 2025. https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-ai-driven-cash-forecasting-tool.html
43. Frontier AI Fact Sheet — First Citizens Bank, Jul 3, 2026. https://newsroom.firstcitizens.com/image/First-Citizens-Bank-Frontier-AI-Fact-Sheet.pdf
44. First Citizens Bank Corporate Profile 1Q26 — First Citizens Bank, Apr 30, 2026. https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/about-us/corporate-profile.pdf
45. A Q&A With Scott Richardson: AI at First Citizens Bank — First Citizens Bank, Sep 3, 2026. https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-Bank
46. What It Takes to Build One of The World's Biggest Banks — Bloomberg, Jan 26, 2026. https://www.bloomberg.com/news/articles/2026-01-26/how-pnc-became-one-of-the-world-s-biggest-banks
47. US 2025/0094839 A1: Systems and methods for applying rules via artificial intelligence for document processing (PNC; filed 2024-12-04) — Google Patents (USPTO), Dec 4, 2024. https://patents.google.com/patent/US20250094839A1/en
48. Steve Hagerman, Chief Technology & Operations Officer (Operating Council profile) — Truist, Oct 13, 2026. https://media.truist.com/Steve-Hagerman
49. Truist names JPMorgan, Wells vet as next CIO — Banking Dive, Aug 8, 2024. https://www.bankingdive.com/news/truist-names-jpmorgan-wells-vet-next-cio/723737/
50. US 12,657,538 B2: Audio signal processing and dynamic natural language understanding (assignee Truist Bank; granted 2026-06-16) — Google Patents (USPTO), Jun 16, 2026. https://patents.google.com/patent/US12657538B2/en
51. Benchmarking AI adoption: What U.S. Bank's playbook tells us — American Banker, Sep 2, 2026. https://www.americanbanker.com/news/benchmarking-ai-adoption-what-u-s-banks-playbook-tells-us
52. U.S. Bank Chief AI Officer on Transformation: 'If Not Now, When?' — The Wall Street Journal (Deloitte CMO Journal), May 14, 2026. https://deloitte.wsj.com/cmo/u-s-bank-chief-ai-officer-on-transformation-if-not-now-when-d6ab3469
53. U.S. Bancorp Announces Leadership Changes in Its Operations Function — Business Wire via FT Markets, Mar 26, 2026. https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603261645BIZWIRE_USPRX____20260326_BW200557-1
54. US20240144204A1 - Systems and methods for check fraud detection — Google Patents (USPTO), May 2, 2024. https://patents.google.com/patent/US20240144204A1/en
55. TD wants to get 'back to winning' — Banking Dive, Sep 30, 2025. https://www.bankingdive.com/news/td-investor-day-ceo-chun-salom-cost-cuts-branches/761458/
56. US 2024/0127036 A1: Multi-event time-series encoding — Google Patents (USPTO), Apr 18, 2024. https://patents.google.com/patent/US20240127036A1/en
57. Fifth Third Sees 'Pretty Remarkable' AI Ability to Lower Costs — Bloomberg, Mar 11, 2026. https://www.bloomberg.com/news/articles/2026-03-11/fifth-third-sees-pretty-remarkable-outcome-of-ai-to-lower-cost
58. Fifth Third Bancorp CEO Tim Spence on new partnership with Brex — CNBC, Dec 9, 2025. https://www.cnbc.com/video/2025/12/09/fifth-third-bancorp-ceo-tim-spence-on-new-partnership-with-brex.html
59. American Banker Names Jude Schramm to Most Innovative People in Finance List — Fifth Third, Jun 9, 2026. https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-06-09.html
60. US 11,868,865 B1: Systems and methods for cash structuring activity monitoring (assignee Fifth Third Bank NA; filed 2023-06-08) — Google Patents (USPTO), Jan 9, 2024. https://patents.google.com/patent/US11868865B1/en
61. 'It's a tremendous priority': Huntington CFO Wasserman on AI — American Banker, Mar 4, 2025. https://www.americanbanker.com/podcast/its-a-tremendous-priority-huntington-cfo-wasserman-on-ai
62. US11194637B2: Extensible alerts platform — Google Patents (USPTO), Dec 7, 2021. https://patents.google.com/patent/US11194637B2/en
63. Kristin Milchanowski's AI for All initiative — American Banker, Jun 1, 2026. https://www.americanbanker.com/news/bmos-kristin-milchanowski-is-39-on-the-most-innovative-people-in-finance-ranking
64. BMO Launches Return on Intelligence Podcast — BMO, Apr 24, 2026. https://newsroom.bmo.com/2026-04-24-BMO-Launches-Return-on-Intelligence-Podcast-AI,-Quantum,-and-the-New-Rules-of-Decision-Making
65. US20260119566A1: Machine learning based database search and knowledge mining — Google Patents (USPTO), Apr 30, 2026. https://patents.google.com/patent/US20260119566A1/en
66. First Citizens CEO Frank Holding named to Federal Advisory Council — Reuters, Feb 10, 2026. https://www.reuters.com/sustainability/boards-policy-regulation/first-citizens-ceo-frank-holding-named-federal-advisory-council-2026-02-10/
67. AI Investment Accounted for Nearly Half of Healthcare Investment in 2025 (SVB report) — First Citizens Bank, Jan 8, 2026. https://newsroom.firstcitizens.com/2026-01-08-AI-Investment-Accounted-for-Nearly-Half-of-Healthcare-Investment-in-2025-Silicon-Valley-Bank-Releases-17th-Healthcare-Investments-and-Exits-Report
68. Citizens' latest move further positions Coughlin as next CEO — American Banker, Jul 9, 2026. https://www.americanbanker.com/news/citizens-latest-move-further-positions-coughlin-as-next-ceo
69. How Citi, Citizens, TD deploy AI agents without upsetting humans — American Banker, Nov 20, 2025. https://www.americanbanker.com/news/how-citi-citizens-td-deploy-ai-agents-without-upsetting-humans
70. US20250150457A1: AI-driven integration platform and user-adaptive interface for business relationship orchestration — Google Patents (USPTO), May 8, 2025. https://patents.google.com/patent/US20250150457A1/en
71. TD expands agentic AI across mortgage operations to make banking faster, simpler and more human — TD Bank Group (Canada Newswire via Yahoo Finance), Oct 13, 2026. https://finance.yahoo.com/technology/ai/articles/td-expands-agentic-ai-across-093000362.html
72. Alum Spotlight: Jay Budzik (PhD '03) — Northwestern McCormick School of Engineering, Oct 12, 2026. https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html
73. How U.S. Bank Is Industrializing AI — Forbes (Yahoo Finance), Oct 7, 2026. https://finance.yahoo.com/news/u-bank-industrializing-ai-132012524.html
74. First Citizens Bank Launches New Innovation Banking Brand — First Citizens Bank, Oct 6, 2026. https://newsroom.firstcitizens.com/2026-10-06-First-Citizens-Bank-Launches-New-Innovation-Banking-Brand
75. BMO Earns Top Recognition for Responsible AI Leadership in Global Banking — BMO (CNW via FT Markets), Oct 6, 2026. https://markets.ft.com/data/announce/full?dockey=600-202610060700CANADANWCANADAPR_C6630-1
76. Nearly 7 in 10 Americans Would Let AI Complete Certain Financial Tasks, TD Survey Finds — TD Bank U.S. (Business Wire via Yahoo Finance), Oct 6, 2026. https://finance.yahoo.com/technology/ai/articles/nearly-7-10-americans-let-123000213.html
77. Fifth Third Succeeds Through Empowered Employees (undated page, retrieved 2026-10-01) — The Financial Brand, Oct 1, 2026. https://thefinancialbrand.com/banking-podcasts/fifth-third-succeeds-through-empowered-employees
78. Tech leaders say AI could end humanity. Banks still love it — American Banker, Sep 29, 2026. https://www.americanbanker.com/news/tech-leaders-say-ai-could-end-humanity-banks-still-love-it
79. Citizens Q4 2026 Business Pulse Finds Rising Small Business Optimism Amid Steady Hiring and Increased AI Spending — Citizens (Business Wire via Yahoo Finance), Sep 29, 2026. https://finance.yahoo.com/small-business/articles/citizens-q4-2026-business-pulse-110000359.html
80. Coverbase Adds Third-Party Risk Veterans as Enterprise Adoption Accelerates — Coverbase (GlobeNewswire), Sep 29, 2026. https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html
81. U.S. Bank CFO Survey: Optimism Climbing as Growth and Dealmaking Gain Momentum — U.S. Bank (Business Wire), Sep 29, 2026. https://www.businesswire.com/news/home/20260929120677/en/U.S.-Bank-CFO-Survey-Optimism-Climbing-as-Growth-and-Dealmaking-Gain-Momentum
82. Huntington unites marketing, digital in a push for growth — Banking Dive, Sep 25, 2026. https://bankingdive.com/news/huntington-bank-marketing-digital-brand-customer-experience-vakharia/831361
83. Mark Williamson hired as Head of ATM Banking — Columbus Business First (bizjournals.com), Sep 25, 2026. https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson
84. BMO Sees Loan Demand Surge as Returns Rise Toward 2027 Targets — MarketBeat (Yahoo Finance), Sep 22, 2026. https://finance.yahoo.com/markets/stocks/articles/bmo-sees-loan-demand-surge-020206941.html
85. People use AI to gauge banks' reputations, and its verdicts are harsh — American Banker, Sep 18, 2026. https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh
86. CB Insights Joins Silicon Valley Bank's Partner Network to Give Innovators a Competitive Edge — CB Insights (PR Newswire), Sep 17, 2026. https://prnewswire.com/news-releases/cb-insights-joins-silicon-valley-banks-partner-network-to-give-innovators-a-competitive-edge-302881431.html
87. How Truist Delivers Proactive Insights to Its App and Online Users — The Financial Brand, Sep 16, 2026. https://thefinancialbrand.com/news/banking-technology/how-truist-delivers-proactive-insights-to-its-app-and-online-users-199568
88. PNC Financial Reaffirms Outlook as Loans, Fees and AI Investments Gain Momentum — MarketBeat (Yahoo Finance), Sep 18, 2026. https://finance.yahoo.com/markets/stocks/articles/pnc-financial-reaffirms-outlook-loans-110208542.html
89. TD Bank Targets 100 U.S. Branches as AML Remediation Continues — MarketBeat (Yahoo Finance), Sep 17, 2026. https://finance.yahoo.com/markets/stocks/articles/td-bank-targets-100-u-230222427.html
90. Fifth Third (FITB) Q2 2026 Earnings Call Transcript — Motley Fool (Yahoo Finance), Jul 17, 2026. https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html
91. PNC's New Mobile App Delivers an Intuitive, Personalized Experience to Help Clients Seamlessly Manage Their Day-to-Day Financial Lives — PNC via PR Newswire, Jul 7, 2026. 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
92. PNC Bank Announces Tim Ferriter as Head of Retail Product, Digital and Growth — PNC via PR Newswire, May 18, 2026. https://www.prnewswire.com/news-releases/pnc-bank-announces-tim-ferriter-as-head-of-retail-product-digital-and-growth-302773857.html
93. PNC Financial Services Group Annual Report on Form 10-K for 2025 — PNC via SEC EDGAR, Feb 20, 2026. https://www.sec.gov/Archives/edgar/data/713676/000071367626000020/pnc-20251231.htm
94. Do banks need a nutrition label for their AI model data? — American Banker, Sep 8, 2026. https://www.americanbanker.com/news/do-banks-need-a-nutrition-label-for-their-ai-model-data
95. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Truist Financial (SEC filing), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm
96. 2026 Company Update presentation slides (Form 8-K, Exhibit 99.2) — JPMorgan Chase & Co. (SEC filings), Feb 23, 2026. https://www.sec.gov/Archives/edgar/data/19617/000162828026010693/firmoverview.htm
97. Bank of America Fast Facts (undated page, retrieved 2026-10-19) — Bank of America Newsroom, Oct 19, 2026. https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html
98. The Most Powerful Women in Banking, #11, Bridget Engle, Wells Fargo — American Banker, Oct 1, 2026. https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-11-bridget-engle-wells-fargo
99. Digital employees, AI bootcamps: America's oldest bank is spending billions on tech — CNBC, Feb 9, 2026. https://www.cnbc.com/2026/02/09/digital-employees-ai-bootcamps-americas-oldest-bank-spends-billions-on-tech.html

---

Canonical page: https://www.bankingnewsai.com/banks/pnc/vs-peers
Part of [BankingNewsAI](https://www.bankingnewsai.com/). Markdown versions of every reference page: append `.md` to the page URL; index at https://www.bankingnewsai.com/llms.txt.