# Regions Financial vs peers: AI and technology compared

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

*Part of the [Regions Financial AI strategy profile](https://www.bankingnewsai.com/banks/regions). Peer group: Truist Financial, Fifth Third Bancorp, Huntington Bancshares, Citizens Financial Group, KeyCorp (KeyBank), M&T Bank, First Horizon, Pinnacle Financial Partners, Hancock Whitney.*

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

On this site's AI disclosure index Regions scores 83.8 (#15 of 120 US banks), fourth in a ten-bank super-regional group, behind Citizens (85.3), close to level with Huntington (84.2) and Fifth Third (84), and ahead of Truist (82.6). What separates it is sequence: Regions is replacing its cores before scaling AI. It chose Temenos in April 2023, moved commercial lending to a new platform on June 1, 2026 and plans to convert deposits in 2027, while guiding technology spending to 10-12% of revenue. On the internal side it reports AI-driven banker platforms behind 35% of new business opportunities and an expected 20% productivity boost (January 2026), GitHub and Microsoft copilots for more than 12,000 associates (May 2026) and GitHub Copilot for about 80% of developers (September 2026). Its gap is the customer assistant. Regions rebuilt its app in-house in July 2025 for 2.7 million active mobile users and added personalized insights in July 2026, but publishes no usage figure for Reggie, its virtual assistant. Peers do: Truist Assist logged 12.5 million+ requests from 2023 to March 2026, Fifth Third says Jeanie's self-service containment rose from 3% to 42%, and Citizens says CiZi cut call volume by 44%. Huntington, meanwhile, reports 50 AI agents in production (April 2026), a figure Regions has no equivalent for. ([Temenos](https://www.temenos.com/press_release/top-us-based-bank-selects-temenos-for-core-banking-modernization-in-the-cloud/), [ABA Banking Journal](https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000057/a3q26investormeetingmate.htm), [PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000042/a2q26investormeetingmate.htm), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/regions-financial-eyes-150-branches-120202785.html), [Banking Dive](https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070900BIZWIRE_USPRX____20260707_BW935076-1), [Regions Bank (Business Wire)](https://www.businesswire.com/news/home/20250723152718/en/Regions-Bank-Unveils-Mobile-App-Enhancements-More-Innovations-on-the-Way), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/))

## Where does Regions lead its peers on AI?

- **More AI use cases in production than all but Huntington.** Regions' profile records 13 AI use cases in production out of 15 described, second in the ten-bank group behind Huntington's 15 and ahead of Truist (13 of 15), Citizens (10 of 20) and Fifth Third (10 of 13). The production list runs from RegionsClientIQ and its generative-AI copilot for commercial bankers to biometrics in the call center and the ATLAS gateway. ([Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000032/rf-2026331xexhibit993fin.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000057/a3q26investormeetingmate.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm))
- **The widest bench of named AI and technology leaders.** Regions ranks first of ten on named AI leaders: a chief data and analytics officer (Manav Misra), a chief transformation officer running the Temenos core (Paul Weiss), a managing director for strategic technology and AI (Chris Kennedy) and a head of digital servicing who spoke on agentic-AI personalization in June 2026 (Lee Wynn). ([Investing.com](https://investing.com/news/transcripts/regions-financial-at-citis-fintech-conference-modernization-and-ai-focus-93CH-4368694), [ABA Banking Journal](https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores), [American Banker](https://digital-banking.americanbanker.com/profile/chris-kennedy), [American Banker](https://digital-banking.americanbanker.com/profile/lee-wynn))
- **A larger share of developers on AI coding tools than Citizens reports.** Regions' CFO said in September 2026 that GitHub Copilot is deployed to about 80% of developers with an approximately 30% lift in code development, up from about 10% at the end of 2025. Citizens reported about 800 developers, roughly half, using coding agents in November 2025; Fifth Third reported about 1,000 engineers with AI tools in June 2026. ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/regions-financial-eyes-150-branches-120202785.html), [Investing.com](https://www.investing.com/news/transcripts/regions-financial-at-rbc-conference-strategic-expansion-and-risk-management-93CH-4555372), [American Banker](https://www.americanbanker.com/news/how-citi-citizens-td-deploy-ai-agents-without-upsetting-humans), [American Banker](https://www.americanbanker.com/news/fifth-thirds-cio-jude-schramm-is-28-on-the-most-innovative-people-in-finance-ranking))
- **The only bank in the group to describe caps on its AI-boom credit exposure.** On the Q2 2026 call in July 2026, Regions said it does no direct data-center lending and has capped growth in exposure to borrowers tied to the AI ecosystem, stress-testing for a slowdown. Fifth Third disclosed its own exposure as a size (software under 1% of loans, funded data centers under $100 million) rather than a cap. ([American Banker](https://americanbanker.com/news/how-one-bank-is-managing-the-risk-that-ai-spending-dries-up), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-fifth-third-bancorp-beats-eps-forecasts-in-q1-2026-93CH-4621035), [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html))

## Where does Regions trail its peers on AI?

- **No usage figure for its virtual assistant while peers publish theirs.** Regions offers 24/7 messaging through Reggie, its virtual assistant, and said engagement climbed after the July 2025 app launch, but discloses no request or containment count. Truist Assist handled nearly 2 million requests in 2Q26 alone; Fifth Third says Jeanie's intent recognition rose from about 20% to about 90% accuracy; Citizens says CiZi cut call volume by 44%. ([Regions Bank (Business Wire)](https://www.businesswire.com/news/home/20250723152718/en/Regions-Bank-Unveils-Mobile-App-Enhancements-More-Innovations-on-the-Way), [Banking Dive](https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000096/ex993-earningsdeck2q26.htm), [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking))
- **No AI agents in production on the record, unlike Huntington.** Regions' generative-AI layer is the ATLAS gateway, launched in the fourth quarter of 2025, with use cases sorted into patterns such as document analysis and controlled automation; it reports no count of agents in production. Huntington's CFO said in April 2026 that 50 AI agents were in production and more than 60 in development, about 15 new a month. ([Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000057/a3q26investormeetingmate.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000012/a1q26investormeetingmate.htm), [Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/))
- **Fewer disclosed AI numbers than Citizens and Fifth Third.** Regions places 7th of 10 on disclosed numbers (14 against a group median of 16); Citizens leads with 20. Citizens has published a cost and benefit path for its Reimagine the Bank program (about $450 million of run-rate benefit by 2028); Regions reports percentages (35% of opportunities, 20% productivity) without a dollar value for AI. ([American Banker](https://www.americanbanker.com/news/citizens-details-how-ai-is-speeding-everything-up), [Citizens Financial Group (SEC filings)](https://www.sec.gov/Archives/edgar/data/759944/000075994426000133/a2q26earningspresentatio.htm), [PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools))
- **Customer AI still waiting on the deposit core.** Regions' deposits move to the new Temenos platform only in 2027, after a friends-and-family pilot, and the bank says AI work follows the conversion. Citizens reports 700 applications migrated to the cloud in four years and 25 data centers closed, and Fifth Third went from about two app releases a year in 2021 to more than 500 in 2025. ([ABA Banking Journal](https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/regions-financial-eyes-150-branches-120202785.html), [American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027), [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-2026-06-09.html))

## Where does Regions 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [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)) |
| [Regions Financial (this page)](https://www.bankingnewsai.com/banks/regions) | [83.8](https://www.bankingnewsai.com/banks/ai-index) | #15 of 120 | [22](https://www.bankingnewsai.com/banks/regions#sources) | [18](https://www.bankingnewsai.com/banks/regions#sources) | [13 of 15](https://www.bankingnewsai.com/banks/regions#where) | [25](https://www.bankingnewsai.com/banks/regions#timeline) | AI-driven banker platforms on a modernised stack ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027)) |
| [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)) |
| [KeyCorp (KeyBank)](https://www.bankingnewsai.com/banks/keybank) | [80](https://www.bankingnewsai.com/banks/ai-index) | #21 of 120 | [25](https://www.bankingnewsai.com/banks/keybank#sources) | [17](https://www.bankingnewsai.com/banks/keybank#sources) | [10 of 16](https://www.bankingnewsai.com/banks/keybank#where) | [20](https://www.bankingnewsai.com/banks/keybank#timeline) | Conversational AI in the contact centre and 'cognitive banking' in the app ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/), [Banking Dive](https://www.bankingdive.com/news/keybank-digital-banking-regionals-ai-insights-personetics/823541/), [American Banker](https://americanbanker.com/news/how-keybank-is-creating-cognitive-banking-with-ai)) |
| [M&T Bank](https://www.bankingnewsai.com/banks/mt-bank) | [75.5](https://www.bankingnewsai.com/banks/ai-index) | #28 of 120 | [18](https://www.bankingnewsai.com/banks/mt-bank#sources) | [13](https://www.bankingnewsai.com/banks/mt-bank#sources) | [10 of 14](https://www.bankingnewsai.com/banks/mt-bank#where) | [25](https://www.bankingnewsai.com/banks/mt-bank#timeline) | Microsoft Copilot on a data-lineage foundation ([American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai), [Fast Company](https://www.fastcompany.com/91596458/michael-wisler-m-t-bank-pacesetters-2026)) |
| [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | [68.7](https://www.bankingnewsai.com/banks/ai-index) | #36 of 120 | [17](https://www.bankingnewsai.com/banks/first-horizon#sources) | [13](https://www.bankingnewsai.com/banks/first-horizon#sources) | [7 of 16](https://www.bankingnewsai.com/banks/first-horizon#where) | [22](https://www.bankingnewsai.com/banks/first-horizon#timeline) | ChatFHN and the Enterprise Data Hub ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank)) |
| [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | [65.3](https://www.bankingnewsai.com/banks/ai-index) | #42 of 120 | [12](https://www.bankingnewsai.com/banks/pinnacle#sources) | [17](https://www.bankingnewsai.com/banks/pinnacle#sources) | [9 of 12](https://www.bankingnewsai.com/banks/pinnacle#where) | [21](https://www.bankingnewsai.com/banks/pinnacle#timeline) | A head of AI inside a banker-led model ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [American Banker](https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working), [Pinnacle Financial Partners](https://www.pnfp.com/learning-center/business-resource-center/articles/managing-your-business/ai-and-treasury-management-more-opportunity-more-risk/), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) |
| [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | [37.4](https://www.bankingnewsai.com/banks/ai-index) | #78 of 120 | [4](https://www.bankingnewsai.com/banks/hancock-whitney#sources) | [20](https://www.bankingnewsai.com/banks/hancock-whitney#sources) | [5 of 11](https://www.bankingnewsai.com/banks/hancock-whitney#where) | [13](https://www.bankingnewsai.com/banks/hancock-whitney#timeline) | MX-powered digital banking modernisation ([American Banker](https://digital-banking.americanbanker.com/profile/nate-gardner), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel), [Hancock Whitney](https://www.hancockwhitney.com/newsroom/hancock-whitney-expands-offering-with-free-greenlight-subscription-for-clients), [Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm)) |

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

Each row is one input of the index, counted on the profiles of Regions and the 9 peers that are scored on the same basis. "Place" is Regions's position in the group of 10 (1st = most).

| Component (weight) | Regions | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 22 | 18 | [Fifth Third (27)](https://www.bankingnewsai.com/banks/fifth-third) | 4th of 10 |
| Use cases in production (10%) | 13 | 10 | [Huntington (15)](https://www.bankingnewsai.com/banks/huntington) | 2nd of 10 |
| Own primary disclosures (10%) | 18 | 17 | [Hancock Whitney (20)](https://www.bankingnewsai.com/banks/hancock-whitney) | 2nd of 10 |
| Dated moves, last 12 months (10%) | 25 | 25 | [Huntington (29)](https://www.bankingnewsai.com/banks/huntington) | 4th of 10 |
| Disclosed numbers (5%) | 14 | 16 | [Citizens (20)](https://www.bankingnewsai.com/banks/citizens) | 7th of 10 |
| Named AI leaders (5%) | 14 | 13 | [Regions (14)](https://www.bankingnewsai.com/banks/regions) | 1st of 10 |
| Use cases described (5%) | 15 | 15 | [Citizens (20)](https://www.bankingnewsai.com/banks/citizens) | 5th of 10 |

## What has each bank in Regions'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 |
| --- | --- | --- | --- | --- | --- |
| [Regions Financial](https://www.bankingnewsai.com/banks/regions) | AI-driven banker platforms on a modernised stack ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027)) | [14, incl. John Turner (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/regions#people) ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027)) | New business opportunities generated by AI-driven platforms: 35% (Jan 16, 2026) ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000006/rf-20251231xexhibit993.htm)) | 1 patent listed on the profile, e.g. US 11,861,690 B2 (Method and system for transferring funds) ([Google Patents (USPTO)](https://patents.google.com/patent/US11861690B2/en)) | [3 open AI roles (Oct 1, 2026); most in AI security](https://www.bankingnewsai.com/banks/regions#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) |
| [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) |
| [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) |
| [KeyCorp (KeyBank)](https://www.bankingnewsai.com/banks/keybank) | Conversational AI in the contact centre and 'cognitive banking' in the app ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/), [Banking Dive](https://www.bankingdive.com/news/keybank-digital-banking-regionals-ai-insights-personetics/823541/), [American Banker](https://americanbanker.com/news/how-keybank-is-creating-cognitive-banking-with-ai)) | [11, incl. Chris Gorman (Chairman and CEO)](https://www.bankingnewsai.com/banks/keybank#people) ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/), [Banking Dive](https://www.bankingdive.com/news/keybank-has-no-interest-in-buying-a-bank-ceo-says/807427/)) | Cost per customer call, AI vs human: ≈ $0.25 vs ≈ $9 (Jan 20, 2026) ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/keybank#roles) |
| [M&T Bank](https://www.bankingnewsai.com/banks/mt-bank) | Microsoft Copilot on a data-lineage foundation ([American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai), [Fast Company](https://www.fastcompany.com/91596458/michael-wisler-m-t-bank-pacesetters-2026)) | [13, incl. Michael Wisler (Senior EVP, Technology and Operations)](https://www.bankingnewsai.com/banks/mt-bank#people) ([Fast Company](https://www.fastcompany.com/91596458/michael-wisler-m-t-bank-pacesetters-2026), [Forbes](https://www.forbes.com/sites/peterhigh/2026/08/28/how-mt-bank-built-a-technology-powerhouse-in-buffalo/)) | Employees on Copilot: 16,000 of 22,000 (Sep 18, 2025) ([American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai)) | Not disclosed | [8 open AI roles (Oct 1, 2026); most in responsible AI & governance](https://www.bankingnewsai.com/banks/mt-bank#roles) |
| [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | ChatFHN and the Enterprise Data Hub ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank)) | [13, incl. Bryan Jordan (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/first-horizon#people) ([Banking Dive](https://www.bankingdive.com/news/first-horizon-acquisition-buyer-ceo-jordan-earnings/802868/)) | AI cost savings assumed in the $100 million incremental PPNR target: None (revenue-driven; expenses guided flat) (Apr 15, 2026) ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/first-horizon-fhn-q1-2026-150926400.html)) | Not disclosed | Not surveyed |
| [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | A head of AI inside a banker-led model ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [American Banker](https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working), [Pinnacle Financial Partners](https://www.pnfp.com/learning-center/business-resource-center/articles/managing-your-business/ai-and-treasury-management-more-opportunity-more-risk/), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) | [12, incl. Kevin Blair (President and CEO)](https://www.bankingnewsai.com/banks/pinnacle#people) ([American Banker](https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working), [Reuters](https://www.reuters.com/business/finance/pinnacle-financial-synovus-name-leadership-team-steer-combined-bank-2025-08-21/), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) | AI engineers employed: almost 20 (Jul 23, 2026) ([Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) | Not disclosed | Not surveyed |
| [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | MX-powered digital banking modernisation ([American Banker](https://digital-banking.americanbanker.com/profile/nate-gardner), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel), [Hancock Whitney](https://www.hancockwhitney.com/newsroom/hancock-whitney-expands-offering-with-free-greenlight-subscription-for-clients), [Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm)) | [8, incl. John Hairston (President and CEO)](https://www.bankingnewsai.com/banks/hancock-whitney#people) ([Hancock Whitney](https://investors.hancockwhitney.com/news/news-details/2026/Hancock-Whitney-Reports-First-Quarter-2026-EPS-of-0-57), [American Banker](https://www.americanbanker.com/news/hancock-whitney-inks-deal-to-buy-orlando-community-bank)) | New mobile app ranking among banks and credit unions: 6th best (per MX session description) (Jun 16, 2026) ([American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel)) | Not disclosed | Not surveyed |

## What are the latest dated moves on the AI record of Regions 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 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 6, 2026 | [Regions](https://www.bankingnewsai.com/banks/regions) | Core deposits planned for 2027 ([ABA Banking Journal](https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores)) |
| Oct 1, 2026 | [Pinnacle](https://www.bankingnewsai.com/banks/pinnacle) | Chief digital officer: 200,000-plus customers move to a new app in March 2027 ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners)) |
| Oct 1, 2026 | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | The 2025 contest's winning entry: an automated CRE documentation platform ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-10-tammy-locascio-first-horizon)) |
| Oct 1, 2026 | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | AI file-organisation tool saves hundreds of hours in three months ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-19-lena-mccloskey-first-horizon-corporation)) |
| Oct 1, 2026 | [M&T](https://www.bankingnewsai.com/banks/mt-bank) | Rajwani on AI agents and deposit runs ([American Banker](https://americanbanker.com/news/ai-agent-bank-runs-possible-but-unlikely-experts-say)) |
| Oct 1, 2026 | [KeyBank](https://www.bankingnewsai.com/banks/keybank) | Gessner ranked No. 3 in American Banker's Most Powerful Women in Banking NEXT ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-3-emily-gessner-keybank)) |
| 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 25, 2026 | [M&T](https://www.bankingnewsai.com/banks/mt-bank) | FinTech Futures profiles the RDC.AI deployment at M&T ([FinTech Futures](https://fintechfutures.com/ai-in-fintech/bringing-explainable-ai-to-commercial-and-business-banking)) |
| 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 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 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 16, 2026 | [Regions](https://www.bankingnewsai.com/banks/regions) | Temenos publishes Regions case study ([Temenos](https://temenos.com/success-story/regions-bank)) |
| Sep 14, 2026 | [KeyBank](https://www.bankingnewsai.com/banks/keybank) | Barclays conference: Copilot for everyone, operations moved to the businesses ([Investing.com](https://za.investing.com/news/stock-market-news/keycorp-at-barclays-conference-growth-margin-gains-in-focus-93CH-4463954)) |
| Sep 9, 2026 | [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | 'AI is raising business cyber risk' guidance ([Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider)) |
| Aug 7, 2026 | [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | Second-quarter 2026 10-Q ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526338672/hwc-20260630.htm)) |
| Aug 4, 2026 | [Pinnacle](https://www.bankingnewsai.com/banks/pinnacle) | Q2 10-Q: AI initiatives listed as an execution risk ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000082/pnfp-20260630.htm)) |

## How does Regions' customer-facing AI compare with its super-regional peers'?

The customer assistant or AI feature each bank has put on the record, with the scale figure attached to it and its date. A blank means nothing is disclosed, not that nothing exists.

| Bank | Customer assistant or AI feature | Usage disclosed | Digital reach | Date |
| --- | --- | --- | --- | --- |
| Regions | Reggie virtual assistant (24/7 messaging) in an in-house native app; personalized insights on spending, subscriptions and cash flow | Not disclosed | 2.7 million active mobile users; digital 80% of transactions | July 2025 app; July 7, 2026 insights; Q2 2026 ([Regions Bank (Business Wire)](https://www.businesswire.com/news/home/20250723152718/en/Regions-Bank-Unveils-Mobile-App-Enhancements-More-Innovations-on-the-Way), [Banking Dive](https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070900BIZWIRE_USPRX____20260707_BW935076-1), [PYMNTS](https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/)) |
| Truist | Truist Assist chatbot and Truist Insights personalization | 12.5 million+ requests from 2023 to March 2026, 9 million+ handled end to end by AI; 167 million insights in 2Q26 | 5.4 million active mobile users; about 85% of logins on mobile | March and June 2026 ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000096/ex993-earningsdeck2q26.htm), [Yahoo Finance](https://finance.yahoo.com/quote/TFC/earnings/TFC-Q2-2026-earnings_call-650938.html)) |
| Fifth Third | Jeanie assistant plus an AI app interface with 150 intents; bilingual since the Comerica conversion | Intent accuracy about 20% to about 90%; containment 3% to 42% since launch | More than 2.4 million monthly app users | June to September 2026 ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [American Banker](https://www.americanbanker.com/news/fifth-third-injects-ai-into-its-mobile-app), [Investing.com](https://investing.com/news/transcripts/fifth-third-at-barclays-conference-comerica-deal-lifts-growth-plans-93CH-4901613)) |
| Citizens | CiZi in-app assistant; LLM call-center automation | Call volume down 44%; target of about 25% of calls without a human by end-2026 | Not disclosed | April and June 2026 ([American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [Citizens Financial Group (SEC filings)](https://www.sec.gov/Archives/edgar/data/759944/000075994426000070/a1q26earningspresentatio.htm)) |
| KeyBank | Conversational AI in the contact center and cognitive banking in the app | Cost per call about $0.25 with AI against about $9 with a person | Not disclosed | January 2026 ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/), [American Banker](https://americanbanker.com/news/how-keybank-is-creating-cognitive-banking-with-ai)) |
| Huntington | Heads Up personalized insights (Personetics) | 14 million insights a month across 96 use cases; 4.7 out of 5 satisfaction | Not disclosed | March 2025 ([Personetics](https://personetics.com/huntington-bank-a-masterclass-in-data-enrichment-and-customer-engagement)) |

## How does Regions' internal AI rollout compare with its peers'?

Copilots, coding tools and agents, with the usage each bank has put on the record.

| Bank | Tool or program | Scale disclosed | Date |
| --- | --- | --- | --- |
| Regions | GitHub and Microsoft copilots; GitHub Copilot for developers; ATLAS Gen AI Gateway | Copilots for more than 12,000 associates; about 80% of developers with about a 30% lift in code development | May and September 2026 ([Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000042/a2q26investormeetingmate.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000057/a3q26investormeetingmate.htm), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/regions-financial-eyes-150-branches-120202785.html)) |
| Huntington | Agentic process automation across the business | 50 agents in production, 60+ in development, about 15 new a month | April 2026 ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/)) |
| Citizens | GitHub Copilot coding agents | About 800 developers (half); engineers 30-40% more productive than a year earlier | November 2025; September 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/tech-leaders-say-ai-could-end-humanity-banks-still-love-it)) |
| M&T | Microsoft Copilot | 16,000 of 22,000 employees | September 2025 ([American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai)) |
| Fifth Third | Colleague AI and AI in engineering | More than 1 million colleague prompts in June 2026; 45% prompt accepted rate for new code; over 87% of unit testing automated | Q2 2026 ([Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/fifth-third-fitb-q2-2026-002717146.html)) |
| Truist | Generative-AI call summaries in care centers | 4.5 million+ summaries; 36,000+ teammate hours saved in Q2 2026 | September 2026 ([Truist](https://ir.truist.com/2026-09-09-Truist-advances-AI-to-create-more-meaningful-client-interactions)) |

## How do Regions' core modernization and technology budget compare with its peers'?

What each bank discloses about its technology budget and its core or cloud program. Budgets are reported in different ways (share of revenue, dollars, growth rates) and are not directly comparable.

| Bank | Technology spend disclosed | Core or cloud program | Date |
| --- | --- | --- | --- |
| Regions | 10-12% of revenue; about $630 million to $830 million a year at the 9-11% guidance of late 2025 | Temenos SaaS core: commercial lending live June 1, 2026; deposits in 2027 | December 2025 to October 2026 ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [Banking Dive](https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/), [ABA Banking Journal](https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores), [Temenos](https://www.temenos.com/press_release/top-us-based-bank-selects-temenos-for-core-banking-modernization-in-the-cloud/)) |
| KeyBank | About $1 billion a year, up from an $800-900 million run rate | Origination platforms cut from 8 to 4 in three years | January and June 2026 ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/), [Banking Dive](https://www.bankingdive.com/news/keybank-digital-banking-regionals-ai-insights-personetics/823541/)) |
| M&T | More than $1.2 billion in 2025, nearly three times 2017 | End-of-life technology cut to 7% from 15% | March and September 2026 ([AI News](https://www.artificialintelligence-news.com/news/mt-bank-enterprise-ai-15000-employees/), [Investing.com](https://investing.com/news/transcripts/mt-bank-at-rbc-conference-strategic-growth-and-challenges-93CH-4553150)) |
| Citizens | Reimagine the Bank: about $300 million over about three years for a $450 million run-rate benefit | 700 applications migrated to the cloud in four years; 25 data centers closed | March and June 2026 ([American Banker](https://www.americanbanker.com/news/citizens-details-how-ai-is-speeding-everything-up), [American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking)) |
| Huntington | About 20% planned 2026 investment growth, including AI | Cadence systems converted 235 days after announcement | January and July 2026 ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/news/huntington-bancshares-q4-earnings-call-161017366.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-huntington-bancshares-tops-q2-2026-estimates-shares-fall-93CH-4809465)) |
| Fifth Third | $200 million of annualized technology savings | Real-time payments throughput up from 35 to 140 transactions a second | June 2026 ([American Banker](https://www.americanbanker.com/news/fifth-thirds-cio-jude-schramm-is-28-on-the-most-innovative-people-in-finance-ranking)) |

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

Regions Financial is compared here with Truist Financial, Fifth Third Bancorp, Huntington Bancshares, Citizens Financial Group, KeyCorp (KeyBank), M&T Bank, First Horizon, Pinnacle Financial Partners and Hancock Whitney: chosen by the editors for this page (see the note below the table). Regions Financial is classed as a regional or retail-commercial bank in the Southeast.

The computed group mixed in HSBC USA, Popular and First Citizens, banks with a different model or market; this group is taken from the super-regional and Southeast banks in Regions' own 2026 proxy compensation and performance peer groups (Truist, Fifth Third, Huntington, Citizens, KeyCorp, M&T, First Horizon, Synovus, now part of Pinnacle, and Hancock Whitney), while the national banks expanding into its footprint are compared on the competitors page.

## Common questions

### Is Regions better than Truist at AI?

The record cannot settle capability, but the two are close on this site's disclosure index: Regions 83.8, Truist 82.6. Truist has put more customer-facing scale on the record (12.5 million+ Truist Assist requests to March 2026, 2 billion+ proactive insights since 2023); Regions reports more internal numbers, such as AI platforms behind 35% of new business opportunities. ([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), [PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools))

### Does Regions have an AI assistant like Truist Assist or Fifth Third's Jeanie?

Regions offers Reggie, a virtual assistant for 24/7 messaging inside its in-house native app, and launched AI-driven personalized insights in July 2026. It publishes no usage figure for Reggie. Truist reports 12.5 million+ Truist Assist requests since 2023, and Fifth Third says Jeanie's self-service containment rose from 3% to 42%. ([Regions Bank (Business Wire)](https://www.businesswire.com/news/home/20250723152718/en/Regions-Bank-Unveils-Mobile-App-Enhancements-More-Innovations-on-the-Way), [Banking Dive](https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070900BIZWIRE_USPRX____20260707_BW935076-1), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html))

### How does Regions' technology spending compare with its peers?

Regions guides technology to 10-12% of revenue; a spokesperson put the late-2025 9-11% guidance at about $630 million to $830 million a year. KeyBank plans about $1 billion a year and M&T spent more than $1.2 billion in 2025. Citizens budgets about $300 million over three years for its Reimagine the Bank program. ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [Banking Dive](https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/), [PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/), [AI News](https://www.artificialintelligence-news.com/news/mt-bank-enterprise-ai-15000-employees/), [American Banker](https://www.americanbanker.com/news/citizens-details-how-ai-is-speeding-everything-up))

### How does Regions compare with Huntington on AI?

Huntington scores 84.2 on this site's disclosure index against Regions' 83.8 and leads on use cases in production (15 against 13). Huntington reports 50 AI agents in production and more than 60 in development (April 2026); Regions reports the ATLAS generative-AI gateway, copilots for more than 12,000 associates and GitHub Copilot for about 80% of developers. ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000057/a3q26investormeetingmate.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000042/a2q26investormeetingmate.htm), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/regions-financial-eyes-150-branches-120202785.html))

### Which Southeast bank is furthest along on core modernization, Regions or its peers?

Regions is mid-conversion: it chose Temenos in April 2023, put commercial lending on a new platform on June 1, 2026 and plans deposits for 2027. Pinnacle plans a new banking app for more than 200,000 customers at its Synovus conversion in March 2027, and First Horizon is building an Enterprise Data Hub with more than 35 data sources onboarded. ([Temenos](https://www.temenos.com/press_release/top-us-based-bank-selects-temenos-for-core-banking-modernization-in-the-cloud/), [ABA Banking Journal](https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores), [American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners), [Databricks](https://answers.databricks.com/blueprint-breakthrough-activating-banking-analytics-ai-agentic-use-cases-zA4cdc9C6oQ))

### How does Regions govern AI compared with other regional banks?

Regions says machine learning has run for six to seven years under model-risk guardrails across three lines of defense, with a generative-AI risk framework and responsible use policy added after ChatGPT; its board Technology Committee monitored the generative-AI rollout. Truist bases its AI program on the NIST AI Risk Management Framework, and Huntington runs a management AI Risk Committee. ([Investing.com](https://investing.com/news/transcripts/regions-financial-at-citis-fintech-conference-modernization-and-ai-focus-93CH-4368694), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000027/rf-20260323.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [Huntington Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/49196/000004919626000015/hban-20251231.htm))

### Is Regions' AI more internal or customer-facing than Citizens'?

Mostly internal on the record: banker platforms, ClientIQ, copilots and document processing, with personalized insights the main customer feature. Citizens reports more customer-facing results, including a 44% fall in call volume from CiZi and a target of about 25% of calls handled without a person by the end of 2026. ([Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000057/a3q26investormeetingmate.htm), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070900BIZWIRE_USPRX____20260707_BW935076-1), [American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [Citizens Financial Group (SEC filings)](https://www.sec.gov/Archives/edgar/data/759944/000075994426000070/a1q26earningspresentatio.htm))

## Peers on this site

- [Truist Financial AI strategy](https://www.bankingnewsai.com/banks/truist) · [vs peers](https://www.bankingnewsai.com/banks/truist/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)
- [Citizens Financial Group AI strategy](https://www.bankingnewsai.com/banks/citizens) · [vs peers](https://www.bankingnewsai.com/banks/citizens/vs-peers)
- [KeyCorp (KeyBank) AI strategy](https://www.bankingnewsai.com/banks/keybank) · [vs peers](https://www.bankingnewsai.com/banks/keybank/vs-peers)
- [M&T Bank AI strategy](https://www.bankingnewsai.com/banks/mt-bank) · [vs peers](https://www.bankingnewsai.com/banks/mt-bank/vs-peers)
- [First Horizon AI strategy](https://www.bankingnewsai.com/banks/first-horizon) · [vs peers](https://www.bankingnewsai.com/banks/first-horizon/vs-peers)
- [Pinnacle Financial Partners AI strategy](https://www.bankingnewsai.com/banks/pinnacle) · [vs peers](https://www.bankingnewsai.com/banks/pinnacle/vs-peers)
- [Hancock Whitney AI strategy](https://www.bankingnewsai.com/banks/hancock-whitney) · [vs peers](https://www.bankingnewsai.com/banks/hancock-whitney/vs-peers)

## Sources

1. Top US-Based Bank Selects Temenos for Core Banking Modernization in the Cloud — Temenos, Apr 13, 2023. https://www.temenos.com/press_release/top-us-based-bank-selects-temenos-for-core-banking-modernization-in-the-cloud/
2. 'Progressive modernization' for cores — ABA Banking Journal, Oct 6, 2026. https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores
3. Regions Financial investor meeting materials (Form 8-K, Exhibit 99.1) — Regions Financial (SEC filing), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/1281761/000128176126000057/a3q26investormeetingmate.htm
4. Regions Bank Says AI Lifts Productivity 20% as Loan Growth Cools — PYMNTS, Jan 16, 2026. https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools
5. Regions Financial investor meeting materials, May 2026 (Form 8-K, Exhibit 99.1) — Regions Financial (SEC filing), May 11, 2026. https://www.sec.gov/Archives/edgar/data/1281761/000128176126000042/a2q26investormeetingmate.htm
6. Regions Financial Eyes 150 New Branches as Deposit Strength Supports Growth — MarketBeat (Yahoo Finance), Sep 20, 2026. https://finance.yahoo.com/markets/stocks/articles/regions-financial-eyes-150-branches-120202785.html
7. Regions aims to push 'dark mode,' other app tweaks next year — Banking Dive, Dec 19, 2025. https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/
8. Regions Bank Launches Personalized Insights for Mobile Banking Customers — Business Wire via FT Markets, Jul 7, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607070900BIZWIRE_USPRX____20260707_BW935076-1
9. Regions Bank Unveils Mobile App Enhancements, More Innovations on the Way — Regions Bank (Business Wire), Jul 23, 2025. https://www.businesswire.com/news/home/20250723152718/en/Regions-Bank-Unveils-Mobile-App-Enhancements-More-Innovations-on-the-Way
10. 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
11. 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
12. 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
13. 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/
14. Regions Financial first quarter 2026 earnings presentation (Form 8-K, Exhibit 99.3) — Regions Financial (SEC filing), Apr 17, 2026. https://www.sec.gov/Archives/edgar/data/1281761/000128176126000032/rf-2026331xexhibit993fin.htm
15. Regions Financial Corporation Annual Report on Form 10-K for 2025 — Regions Financial (SEC filing), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm
16. Regions Financial at Citi's FinTech Conference: Modernization and AI Focus — Investing.com, Nov 19, 2025. https://investing.com/news/transcripts/regions-financial-at-citis-fintech-conference-modernization-and-ai-focus-93CH-4368694
17. Chris Kennedy, SVP, Head of Enterprise Payments, Regions Bank (Digital Banking 2026 speaker profile) — American Banker, Jun 8, 2026. https://digital-banking.americanbanker.com/profile/chris-kennedy
18. Lee Wynn, SVP, Head of Digital Servicing, Regions Bank (Digital Banking 2026 speaker profile) — American Banker, Feb 9, 2026. https://digital-banking.americanbanker.com/profile/lee-wynn
19. Regions Financial at RBC Conference: Strategic Expansion and Risk Management (transcript) — Investing.com, Mar 11, 2026. https://www.investing.com/news/transcripts/regions-financial-at-rbc-conference-strategic-expansion-and-risk-management-93CH-4555372
20. 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
21. Fifth Third's CIO is focused on enterprise-viable AI — American Banker, Jun 1, 2026. https://www.americanbanker.com/news/fifth-thirds-cio-jude-schramm-is-28-on-the-most-innovative-people-in-finance-ranking
22. How one bank is managing the risk that AI spending dries up — American Banker, Jul 17, 2026. https://americanbanker.com/news/how-one-bank-is-managing-the-risk-that-ai-spending-dries-up
23. Earnings call transcript: Fifth Third Bancorp beats EPS forecasts in Q1 2026 — Investing.com, Apr 17, 2026. https://investing.com/news/transcripts/earnings-call-transcript-fifth-third-bancorp-beats-eps-forecasts-in-q1-2026-93CH-4621035
24. 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
25. Exhibit 99.3: Second quarter 2026 earnings presentation (Form 8-K) — Truist Financial (SEC filing), Jul 17, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000096/ex993-earningsdeck2q26.htm
26. Regions Financial investor meeting materials, February 2026 (Form 8-K, Exhibit 99.1) — Regions Financial (SEC filing), Feb 9, 2026. https://www.sec.gov/Archives/edgar/data/1281761/000128176126000012/a1q26investormeetingmate.htm
27. 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
28. 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
29. Regions plans to unveil upgraded deposit platform in 2027 — American Banker, Jul 18, 2025. https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027
30. 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
31. 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
32. 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
33. 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
34. 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
35. 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
36. 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
37. KeyBank Taps $100 Million Increase in Technology Spend (AI calls at $0.25 vs $9) — PYMNTS, Jan 23, 2026. https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/
38. KeyBank bets on relationships over tech budgets — Banking Dive, Jun 23, 2026. https://www.bankingdive.com/news/keybank-digital-banking-regionals-ai-insights-personetics/823541/
39. How KeyBank is creating 'cognitive banking' with AI — American Banker, Aug 1, 2025. https://americanbanker.com/news/how-keybank-is-creating-cognitive-banking-with-ai
40. How M&T Bank ensures data quality as it implements gen AI — American Banker, Sep 18, 2025. https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai
41. How this Buffalo-based bank is using tech as a competitive edge — Fast Company, Sep 2, 2026. https://www.fastcompany.com/91596458/michael-wisler-m-t-bank-pacesetters-2026
42. #36 First Horizon's CIO is zeroing in on 'data-as-a-product' in tech push — American Banker, Jun 1, 2026. https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking
43. The Most Powerful Women to Watch, No. 13, Tammy LoCascio, First Horizon Bank — American Banker, Sep 24, 2025. https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank
44. Kevin Johnson, Head of AI, Pinnacle Financial Partners (Digital Banking speaker profile) — American Banker, Apr 21, 2026. https://digital-banking.americanbanker.com/profile/kevin-d-johnson
45. Pinnacle points to new hires as proof that merger is working — American Banker, Apr 23, 2026. https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working
46. AI and Treasury Management: More Opportunity, More Risk — Pinnacle Financial Partners, Jun 1, 2026. https://www.pnfp.com/learning-center/business-resource-center/articles/managing-your-business/ai-and-treasury-management-more-opportunity-more-risk/
47. Pinnacle (PNFP) Q1 2026 Earnings Transcript — The Motley Fool (earnings call transcript), Apr 23, 2026. https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript
48. Pinnacle Financial Partners (PNFP) Q2 FY2026 earnings call transcript — Yahoo Finance (earnings call transcript), Jul 23, 2026. https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html
49. Nate Gardner, Chief Xperience Officer, MX (Digital Banking speaker profile; session 'From Old Money to New Momentum: How Hancock Whitney Modernized for the Next Generation') — American Banker, Jun 3, 2026. https://digital-banking.americanbanker.com/profile/nate-gardner
50. Pam Hymel, Director of Digital Strategy, Hancock Whitney (speaker profile) — American Banker, Jun 3, 2026. https://digital-banking.americanbanker.com/profile/pam-hymel
51. Hancock Whitney Expands Offering with Free Greenlight Subscription for Clients — Hancock Whitney, Nov 12, 2025. https://www.hancockwhitney.com/newsroom/hancock-whitney-expands-offering-with-free-greenlight-subscription-for-clients
52. 5 Critical Cybersecurity Questions to Ask Your IT Team or Service Provider — Hancock Whitney, Sep 9, 2026. https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider
53. Hancock Whitney Corporation Annual Report on Form 10-K for 2025 — Hancock Whitney (SEC filings), Feb 27, 2026. https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm
54. Regions Financial fourth quarter 2025 earnings presentation (Form 8-K, Exhibit 99.3) — Regions Financial (SEC filing), Jan 16, 2026. https://www.sec.gov/Archives/edgar/data/1281761/000128176126000006/rf-20251231xexhibit993.htm
55. US11861690B2 - Method and system for transferring funds — Google Patents (USPTO), Jan 2, 2024. https://patents.google.com/patent/US11861690B2/en
56. Steve Hagerman, Chief Technology & Operations Officer (Operating Council profile) — Truist, Oct 13, 2026. https://media.truist.com/Steve-Hagerman
57. 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/
58. 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
59. 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
60. 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
61. 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
62. '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
63. US11194637B2: Extensible alerts platform — Google Patents (USPTO), Dec 7, 2021. https://patents.google.com/patent/US11194637B2/en
64. 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
65. 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
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68. First Horizon keeps options open amid M&A uptick — Banking Dive, Oct 15, 2025. https://www.bankingdive.com/news/first-horizon-acquisition-buyer-ceo-jordan-earnings/802868/
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72. Hancock Whitney inks deal to buy Orlando community bank — American Banker, May 15, 2026. https://www.americanbanker.com/news/hancock-whitney-inks-deal-to-buy-orlando-community-bank
73. 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
74. The Most Powerful Women in Banking Women to Watch, #15, Liz Wolverton, Pinnacle Financial Partners — American Banker, Oct 1, 2026. https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners
75. The Most Powerful Women in Banking Women to Watch, #10, Tammy LoCascio, First Horizon — American Banker, Oct 1, 2026. https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-10-tammy-locascio-first-horizon
76. The Most Powerful Women in Banking NEXT, #19, Lena McCloskey, First Horizon Corporation — American Banker, Oct 1, 2026. https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-19-lena-mccloskey-first-horizon-corporation
77. AI agent bank runs possible but unlikely, experts say — American Banker, Oct 1, 2026. https://americanbanker.com/news/ai-agent-bank-runs-possible-but-unlikely-experts-say
78. The Most Powerful Women in Banking NEXT, #3, Emily Gessner, KeyBank — American Banker, Oct 1, 2026. https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-3-emily-gessner-keybank
79. 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
80. 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
81. 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
82. 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
83. Bringing explainable AI to commercial and business banking — FinTech Futures, Sep 25, 2026. https://fintechfutures.com/ai-in-fintech/bringing-explainable-ai-to-commercial-and-business-banking
84. 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
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. 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
87. Regions Bank - Success Story — Temenos, Sep 16, 2026. https://temenos.com/success-story/regions-bank
88. KeyCorp at Barclays conference: growth, margin gains in focus (conference transcript) — Investing.com, Sep 14, 2026. https://za.investing.com/news/stock-market-news/keycorp-at-barclays-conference-growth-margin-gains-in-focus-93CH-4463954
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91. Regions Bank's Mobile Upgrade Drives Digital Transactions to 80% — PYMNTS, Jul 17, 2026. https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/
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93. Fifth Third injects AI into its mobile app — American Banker, Jun 17, 2026. https://www.americanbanker.com/news/fifth-third-injects-ai-into-its-mobile-app
94. Fifth Third at Barclays conference: Comerica deal lifts growth plans (transcript) — Investing.com, Sep 15, 2026. https://investing.com/news/transcripts/fifth-third-at-barclays-conference-comerica-deal-lifts-growth-plans-93CH-4901613
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98. M&T Bank expands enterprise AI after years of technology overhaul — AI News, Sep 4, 2026. https://www.artificialintelligence-news.com/news/mt-bank-enterprise-ai-15000-employees/
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