What technology stack does Regions run, and how far along is its core modernization?
Regions is replacing its cores rather than wrapping them. It selected Temenos in April 2023 to move customer records and deposits to the SaaS Temenos Banking Cloud; John Turner told the RBC conference in March 2026 that the old deposit system was 'sunsetted, and we're the last bank on it'. A new commercial lending platform went live on June 1, 2026; Turner described that step as a conversion 'from one AFS platform to another' that takes the bank 'from three systems to one'. Deposits are in testing: a friends-and-family pilot was next as of September 2026, with conversion starting in the first quarter of 2027 and finishing by mid-2027, 'No big bang'. Around the core, Regions has rebuilt its enterprise API layer, built a cloud data layer called Customer DNA under a federated data-governance program, and names AWS and Azure as its cloud services. Generative AI runs through ATLAS, an in-house, model-agnostic gateway launched in the fourth quarter of 2025. The mobile app was rebuilt in-house as native iOS and Android apps in July 2025, and Axway supplies open-banking API management. Technology spending is guided to about 10-12% of revenue.[1][2][3][4][5][6][7][8][9][10][11]
Data as of Oct 16, 2026 · Regions profile updated Oct 13, 2026 · 15 sources cited on this page · 140 banks profiled on this site · Markdown
Which platforms and vendors make up Regions' technology stack?
As named in Regions' investor decks, conference remarks and vendor announcements. Status as of the latest source.
| Layer | What Regions runs | Status | Date |
|---|---|---|---|
| Core deposits | Temenos Banking Cloud (SaaS), replacing a legacy system the vendor had sunsetted; Regions and Commerce Bank to help guide Temenos' US product roadmap | Core installed and tested; pilot 2026; customer migration Q1 to mid-2027 | Selected April 13, 2023[1][2][8] |
| Commercial lending | New commercial lending platform with faster processing and mobile-enabled capabilities and a 'modern data foundation supporting advanced analytics and AI'; Turner called it a move 'from one AFS platform to another', three systems to one | Live | June 1, 2026[4][2] |
| Enterprise API layer | Rebuilt 'layer that helps all of our systems talk to each other'; traffics between old and new cores during migration and supports a single small-business origination platform | Developed and tested | November 2025[6] |
| Data | Customer DNA, a cloud data layer fed by the new core; real-time data store; federated data governance with lineage and quality controls | Building | November 2025[6] |
| Cloud | 'Expanding and Leveraging Cloud Services (AWS, Azure)' | In use | 2026 decks[7][8] |
| Generative-AI platform | ATLAS Gen AI Gateway: secure, governed, model-agnostic, multiple LLM access | Launched 4Q 2025 | February-May 2026 decks[7][8] |
| Architecture | 'Expanding use of Event Driven Architecture to support Payments and Core Modernization'; secure-by-design APIs | In progress | May 2026[8] |
| Mobile | Native iOS and Android app built in-house, launched July 2025, for about 2.7 million active mobile users | Live | July 23, 2025[9][10] |
| Open banking | Axway API management requiring client approval before third parties reach credentials | Selected | January 2025[11] |
| Payments | Platform 'processing over $4T per year'; top 10 ACH originator in the US | Live | May 2026[8] |
What is the timeline of Regions' core modernization?
| Date | Milestone | Detail |
|---|---|---|
| April 13, 2023 | Temenos selected | SaaS on the Temenos Banking Cloud for customer records and deposits; Regions had $155 billion in assets[1] |
| July 18, 2025 | 2027 target set | A single cloud-based deposit platform across the footprint by 2027, with AI to contain technology costs afterwards[12] |
| November 19, 2025 | Progress report at Citi | About two and a half years into the program; core deposit platform 'deployed, been configured, been tested, including all U.S. compliance'; lending platform due Q2 2026[6] |
| March 11, 2026 | User acceptance testing | Deposits in UAT after account origination; money movement next; pilot planned for Q3 2026;[2] |
| June 1, 2026 | Commercial lending live | The new commercial lending platform 'Successfully launched', per the August 2026 investor deck[4] |
| September 15, 2026 | Pilot next | Friends-and-family pilot of about 100, then 8,000 to 10,000 customers[5] |
| September 16, 2026 | Vendor case study | Temenos publishes Regions' SaaS deployment; Paul Weiss: AI will make core modernization faster and cheaper[13] |
| 2027 | Deposits migration | Customer migration begins Q1 2027 and completes by mid-2027[2][3] |
What does Regions build itself and what does it buy?
Regions buys the system of record and builds around it. The core is Temenos software as a service, open-banking API management is Axway's, and cloud capacity comes from AWS and Azure; the developer and office copilots are GitHub's and Microsoft's. The bank built its native mobile app, the enterprise API layer, the Customer DNA data layer and the ATLAS gateway itself, and its machine-learning 'data products' such as RegionsClientIQ are in-house.[1][11][8][10][6]
Executives present the stack as self-funding: Massey said in November 2025 that $70 million of annual tech and operations expense had been removed and was being reinvested in fraud prevention, cyber, authentication and core work. Turner told the RBC conference the conversion had also cleansed and organised the bank's data and built a conversion team that would matter 'if we were ever interested in M&A'.[6][2]
What does the Regions profile record on this topic?
The rows below are the entries of the Regions AI strategy profile that bear on this page, as of Oct 13, 2026; the profile holds the full record of 33 dated moves, 15 use cases and 44 sources.
| Date | Move | Detail | Source |
|---|---|---|---|
| Oct 6, 2026 | Core deposits planned for 2027 | ABA Banking Journal: new mobile platform live, commercial lending later this year, deposits next year, per chief transformation officer Paul Weiss. | [3] |
| Sep 16, 2026 | Temenos publishes Regions case study | Regions chose a Temenos SaaS deployment and says AI will make core modernisation faster and cheaper. | [13] |
| Aug 7, 2026 | Investor deck details the generative-AI stack | ATLAS Gen AI Gateway (launched Q4 2025), GitHub and Microsoft copilots for more than 12,000 associates, AWS and Azure cloud, intelligent document processing and AI-powered cyber defence. | [4] |
| Aug 7, 2026 | RegionsClientIQ described as a machine-learning data product | Investor materials: it helps commercial and treasury bankers prioritise opportunities and flag early credit and attrition risk; 'Modern core and proprietary AI tools driving efficiencies and growth'. | [4] |
| Jul 17, 2026 | AI branch-coaching pilot and new commercial lending platform | Q2 2026 deck: coaching tool in pilot with more than 2,500 practice simulations; commercial lending platform live with real-time processing. | [14] |
| Jun 1, 2026 | Commercial lending platform goes live | The first of two Temenos-based core systems launches, with a modern data foundation for analytics and AI. | [4][3] |
| Jan 16, 2026 | Q4 2025 call: core conversion cleans data for AI | The CFO says moving about five million customers to the new deposit system forces data cleansing that supports work on artificial intelligence and generative AI. | [15] |
| Dec 19, 2025 | In-house native app; insights coming | The head of digital on the July 2025 app launch and data-driven insights planned for early 2026. | [10] |
| Nov 19, 2025 | Citi FinTech conference: modernisation and AI | Massey, Misra and Weiss describe a rebuilt API layer, a cloud data layer called Customer DNA, six to seven years of machine learning, a new generative-AI risk framework and $70 million of tech and operations savings. | [6] |
| Jul 18, 2025 | New core deposit platform by 2027 | A single cloud-based platform across the footprint; AI to follow to contain technology costs. | [12] |
| Jan 6, 2025 | Regions selects Axway for open banking | API management that requires client approval before third-party platforms reach credentials, and lets Regions monitor and switch off sharing. | [11] |
Which core banking system does Regions use?
Regions selected Temenos in April 2023 to move customer records and deposits to the Temenos Banking Cloud as software as a service. A separate new commercial lending platform went live on June 1, 2026. The deposit platform has been installed and tested, with a pilot in 2026 and customer migration from the first quarter of 2027 to mid-2027.
Why is Regions replacing its core?
John Turner told the RBC conference in March 2026 that the old deposit system had been sunsetted and 'we're the last bank on it', so the bank had little choice. He said Temenos gives a contemporary cloud-based platform that brings products to market faster and has forced Regions to cleanse and organise its data, which executives tie to future AI use.
Which cloud providers does Regions use?
Regions' 2026 investor decks list 'Expanding and Leveraging Cloud Services (AWS, Azure)'. The Temenos core runs as SaaS on the Temenos Banking Cloud, and the Customer DNA data layer is described as being in the cloud. Regions has not published what share of its workloads runs on each provider.
What is Customer DNA at Regions?
Customer DNA is the cloud data layer Regions described at Citi's FinTech conference in November 2025. It consumes data from the new core to create a richer, real-time view that feeds AI engines for guidance and insights across commercial, small business, wealth and consumer clients. It sits under a federated data-governance program.
Did Regions build its mobile app itself?
Yes. The July 2025 app was built in-house as native iOS and Android apps, according to Banking Dive and Regions' own announcement, after feedback from nearly 200 associates, customers and noncustomers in 15 tests over 10 months. It serves about 2.7 million active mobile users.
- Top US-Based Bank Selects Temenos for Core Banking Modernization in the Cloud
- Regions Financial at RBC Conference: Strategic Expansion and Risk Management (transcript)
- 'Progressive modernization' for cores
- Regions Financial investor meeting materials (Form 8-K, Exhibit 99.1)
- Regions Financial Eyes 150 New Branches as Deposit Strength Supports Growth
- Regions Financial at Citi's FinTech Conference: Modernization and AI Focus
- Regions Financial investor meeting materials, February 2026 (Form 8-K, Exhibit 99.1)
- Regions Financial investor meeting materials, May 2026 (Form 8-K, Exhibit 99.1)
- Regions Bank Unveils Mobile App Enhancements, More Innovations on the Way
- Regions aims to push 'dark mode,' other app tweaks next year
- Transactions: Regions Bank taps Axway for open banking initiative
- Regions plans to unveil upgraded deposit platform in 2027
- Regions Bank - Success Story
- Regions Financial second quarter 2026 earnings presentation (Form 8-K, Exhibit 99.3)
- Earnings call transcript: Regions Financial Q4 2025 misses EPS forecast
When Regions moves on AI, you'll read it here first.
when one of the banks we cover moves on AI, it is in the next morning's brief · six sourced stories · 7 am ET · free
plus every tracker, bank and agent page update, the morning after · leave any morning