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Banco Santander vs peers
AI and technology compared

Last updated Oct 20, 2026 · 9 peers · 123 sources cited

How does Banco Santander compare with its peers on AI and technology?

Banco Santander scores 71.3 on this site's AI disclosure reference score, #46 of 140 banks and ninth in its 10-bank peer group: behind HSBC (88.5), JPMorgan Chase (87.5), Capital One (85.2), Lloyds (83.6), BBVA (77.2), Barclays (76) and NatWest (75.1), close to BNP Paribas (72) and ahead of ING (65.2). The score measures what is on the record, not capability; Santander's weakest component is independent coverage, ninth of 10. Three things separate it from named peers. First, a priced and tracked AI target: more than EUR 1 billion of annual business value by 2028 (investor day, 25 February 2026), with EUR 35 million booked in the first quarter of 2026 and EUR 84 million in the first half; BNP Paribas reports about EUR 600 million to date and Lloyds about £50 million for 2025. Second, AI in software at scale: 40% of code was developed by AI in June 2026 and 17,000 people used agentic AI in software development in May, against more than 40% of code at NatWest and a 28% developer productivity gain at BBVA. Third, agentic payments on two card networks: Santander says it executed Europe's first live AI-agent payment with Mastercard Agent Pay on 2 March 2026 and ran Visa Intelligent Commerce purchases in five Latin American markets ten days later; ING describes a June 2026 Worldline and Mastercard transaction as Europe's first end-to-end agentic payment. Where Santander trails: BBVA, its home-market rival, gives ChatGPT Enterprise to all 120,000 employees and ranked first among eurozone banks in Evident's 2026 index, and Capital One has ranked second on Evident's index for four editions.[1][2][3][4][5][6][7][8][9][10][11][12][13]

Data as of Oct 20, 2026 · Santander profile updated Oct 13, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

Where it leads

Where does Santander lead its peers on AI?

01

An AI value target with quarterly tracking

Santander targets more than EUR 1 billion of annual business value from data and AI by 2028 and reported EUR 35 million in the first quarter of 2026 and EUR 84 million in the first half, expecting more than EUR 200 million for the year. HSBC and Barclays publish no AI value figure.[1][2][3][14][15]

02

AI writes 40% of its code

Santander says 40% of all code developed in June 2026 came from AI and that 17,000 people used agentic AI in software development in May 2026. NatWest reports over 40% of code written with AI in 2025, Barclays about 15% faster implementation on GitLab, and BBVA a 28% developer productivity gain.[2][6][15][7]

03

Agentic payments on both card networks and its own acquirer

Santander ran a live agent-executed payment with Mastercard Agent Pay in Europe (2 March 2026, a controlled pilot), Visa Intelligent Commerce purchases in Argentina, Brazil, Chile, Mexico and Uruguay (12 March), and launched Getnet infrastructure for merchants to accept agent-initiated payments (9 June). HSBC's agentic card tests are in the UK and Hong Kong.[8][9][16][17][18]

04

AI access for every employee

Santander opened AI access to all 185,000 employees from 22 June 2026, up from nearly 40,000 active users, and runs more than 280 process-automation agents in production. BBVA gives ChatGPT Enterprise to all 120,000 of its employees, and BNP Paribas has onboarded 100,000 people to its Group AI platform.[2][11][19]

Where it trails

Where does Santander trail its peers on AI?

01

Behind BBVA at home on outside rankings and partner depth

Evident's 2026 AI Index ranked BBVA first among eurozone banks and third in Europe; BBVA is also a founding partner and shareholder in OpenAI's Deployment Company (May 2026) and counts 1,127 AI use cases in production. Santander's portfolio holds more than 1,000 data and AI initiatives, without a production count.[12][20][21][22]

02

Little independent coverage

Santander ranks ninth of 10 in the peer group on independent sources, the heaviest-weighted part of this site's score; most of its AI record comes from its own releases and reports. JPMorgan leads the group on independent coverage, and Capital One has ranked second on Evident's index for four editions.[2][13]

03

No AI-linked workforce number while ING publishes one

Santander has set no AI-linked job target; Reuters reported early-retirement talks in Spain in June 2026 and a reduction of about 14,000 group roles over two years. ING expects about 1,250 fewer Operations FTEs in 2026, among others in KYC, and Lloyds says it will recruit almost 300 agentic AI roles.[23][24][25]

AI index

Where does Santander rank against its peers on AI disclosure?

Scores from reference score: the AI-index formula applied to all 140 profiles (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.

BankScoreRankIndependent sourcesOwn disclosuresUse cases in productionMoves, last 12 monthsNamed AI platform
HSBC88.5#6 of 14027279 of 2128HSBC Productivity Suite and the central AI platform[26][27][28][14][29]
JPMorgan Chase87.5#9 of 14043208 of 1532LLM Suite[30][31]
Capital One85.2#11 of 140254513 of 1325Chat Concierge and the in-house agent stack[32][33][34]
Lloyds Banking Group83.6#13 of 140202211 of 1923Envoy agent platform, Microsoft 365 E7 and the Group LLM platform[35][36][37][38]
BBVA77.2#27 of 140114512 of 1930ChatGPT Enterprise, BBVA Assistants and The Eight[11][39][40][41][42][43][44][45]
Barclays PLC76#31 of 140241013 of 2018Group AI stack: Microsoft 365 Copilot, Claude and BARXBot[15][46][47][48][49]
NatWest Group plc75.1#35 of 140181911 of 1920Cora and the internal GenAI stack[50][51][52][53][54][55]
BNP Paribas SA72#43 of 140161912 of 2019LLM as a Service, with Mistral AI and Google Cloud[56][57][58][19][59]
Banco Santander (this page)71.3#46 of 140122211 of 1921Group Data & AI function inside ONE Transformation, with a multi-provider model stack[2][22][60]
ING Groep N.V.65.2#53 of 140151710 of 1614Central AI platform on Google Cloud (VISTA data layer) and the AI Risk Committee[61][62][63]
Component by component

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

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

Component (weight)SantanderPeer medianMost in the groupPlace
Independent sources (45%)1220JPMorgan (43)9th of 10
Use cases in production (10%)1111Barclays (13)5th of 10
Own primary disclosures (10%)2220BBVA (45)4th of 10
Dated moves, last 12 months (10%)2123JPMorgan (32)6th of 10
Disclosed numbers (5%)2122BBVA (25)7th of 10
Named AI leaders (5%)1212JPMorgan (19)4th of 10
Use cases described (5%)1919HSBC (21)4th of 10
Head to head

What has each bank in Santander'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.

BankPlatform or assistant, as the profile names itAI leaders namedHeadline AI number disclosedPatents on the recordOpen AI roles
Banco SantanderGroup Data & AI function inside ONE Transformation, with a multi-provider model stack[2][22][60]12, incl. Ana Botín (Group Executive Chair)[1][64]Split of the 2028 AI target as reported by Bloomberg: about EUR 300m of revenue and about EUR 700m of cost cuts (Feb 25, 2026)[64]Not disclosedNot surveyed
BBVAChatGPT Enterprise, BBVA Assistants and The Eight[11][39][40][41][42][43][44][45]17, incl. Carlos Torres Vila (Chair)[39][45]Employees using ChatGPT Enterprise: About 100,000 (70%-plus weekly active; about 3 hours saved per employee per week) (Jun 11, 2026)[41]1 patent listed on the profile, e.g. EP 3970062 A1 (Method and system for obtaining financial information about an object from a photograph, using machine learning)[65]Not surveyed
ING Groep N.V.Central AI platform on Google Cloud (VISTA data layer) and the AI Risk Committee[61][62][63]12, incl. Steven van Rijswijk (Chief Executive Officer, ING Groep)[62][66][67](Gen)AI pilots moved into production: More than 90% (Mar 18, 2026)[24]Not disclosedNot surveyed
BNP Paribas SALLM as a Service, with Mistral AI and Google Cloud[56][57][58][19][59]8, incl. Jean-Laurent Bonnafé (Chief Executive Officer)[68][69][70]AI use cases already in place: More than 800 (Oct 5, 2026)[71]Not disclosedNot surveyed
Lloyds Banking GroupEnvoy agent platform, Microsoft 365 E7 and the Group LLM platform[35][36][37][38]16, incl. Charlie Nunn (Group Chief Executive)[72][73][74]Value delivered by generative AI in 2025: About £50 million (more than 50 solutions deployed) (Dec 31, 2025)[5][75]1 patent listed on the profile, e.g. US 12,095,784 B2 (Methods and systems for indicating the possibility of a cyber-attack on a computer network)[76][77]5 open AI roles (Oct 5, 2026); most in ML & data science
NatWest Group plcCora and the internal GenAI stack[50][51][52][53][54][55]9, incl. Paul Thwaite (Group Chief Executive Officer)[50][55][78]Cora journeys enhanced with GenAI: 21 (17 added during 2025); all journeys targeted by end-2026 (Dec 31, 2025)[50][51]Not disclosedNot surveyed
Barclays PLCGroup AI stack: Microsoft 365 Copilot, Claude and BARXBot[15][46][47][48][49]11, incl. C.S. Venkatakrishnan (Group Chief Executive)[15][79]AI tools and models in use across the group: More than 250 (Feb 10, 2026)[15]5 patents listed on the profile, e.g. US 2025/0053473 A1 (Event handling for digitalised processes: status-indicator confidence model and flag, classified under machine learning)[80]10 open AI roles (Oct 5, 2026); most in AI engineering
HSBCHSBC Productivity Suite and the central AI platform[26][27][28][14][29]12, incl. Georges Elhedery (Group Chief Executive, HSBC Holdings)[81][27][82]Colleagues with a gen-AI productivity tool: c.85%; 31,000 engineers with an AI coding assistant (Feb 25, 2026)[83][81]7 patents listed on the profile, e.g. US 2024/0412221 A1 (Machine learning using adversarial learning and data transformation)[84]Not surveyed
JPMorgan ChaseLLM Suite[30][31]19, incl. Lori Beer (Global Chief Information Officer)[85]Technology employees: 65,000+ (Oct 1, 2026)[86]6 patents listed on the profile, e.g. US 2026/0010713 A1 (Generative ML framework producing predictive results on financial transactions)[87]12+ open AI roles (Oct 1, 2026); most in ML & data science
Capital OneChat Concierge and the in-house agent stack[32][33][34]9, incl. Richard Fairbank (Founder, Chairman and CEO)[88]Evident AI index rank: #2 of 50 (four editions running) (Oct 6, 2026)[89][13]2 patents listed on the profile, e.g. EP4776166A1: Safeguarding user-facing AI models (Published application)[90]12+ open AI roles (Oct 1, 2026); most in ML & data science
Last 12 months

What are the latest dated moves on the AI record of Santander 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.

DateBankMove
Oct 13, 2026JPMorganQ3 2026 call: outside AI agents stay blocked; AI spend put near $700 million[91][92][93]
Oct 13, 2026BBVAFirst European bank to join the Poppy agent protocol[94]
Oct 9, 2026HSBCAI-agent micropayment test with Ant Digital[95]
Oct 9, 2026BBVAAlgorithmic trading: models plus generative agents on the desk[96]
Oct 7, 2026HSBCUK wealth restructuring tied to AI reported[97][98]
Oct 6, 2026Capital OneSecond on the Evident AI index for a fourth year[13][99]
Oct 6, 2026JPMorganEvident AI Index: first for the fourth consecutive year[13]
Oct 6, 2026NatWestEvident AI Index places NatWest 17th[100]
Oct 6, 2026LloydsEvident AI index 2026: 15th again[101]
Oct 1, 2026BarclaysAnthropic collaboration expanded[47][102][103][104]
Oct 1, 2026BarclaysCo-COO on model choice and agentic AI[105]
Sep 29, 2026Capital OneNatarajan: cutting latency and token costs with smaller, open-weight models[106]
Sep 25, 2026NatWestVoice-to-voice Spending Insights trial and Fraud Triage Agent[52][107]
Sep 24, 2026BNP ParibasFive-year Google Cloud partnership for agentic AI[58][59]
Sep 23, 2026INGCEO at the BofA conference: 600 AI staff, Google as main partner[62][67]
Sep 23, 2026SantanderSantander AI Lab releases the A2K protocol suite[108]
Sep 22, 2026BNP ParibasStrategy update ties AI to support-function efficiency[109]
Sep 22, 2026INGSix banks publish principles for agentic commerce[110][111]
Aug 20, 2026Lloyds£100 million future-skills investment[112]
Jul 30, 2026SantanderOne evaluation framework for AI products across their life[113]
AI value on the record

How does Santander's AI value target compare with what its peers disclose?

Management figures, not audited results, in each bank's own currency and definition.

BankAI value or AI-linked targetBasisAs of
SantanderEUR 84 million in H1 2026; more than EUR 200 million expected in 2026; more than EUR 1 billion a year by 2028Results release; investor day30 June 2026[3][2][1]
BNP ParibasAbout EUR 600 million to date; EUR 750 million targeted by end-2026Results call5 February 2026[4][114]
LloydsAbout £50 million from generative AI in 2025; more than £100 million expected in 2026Results releasesJanuary and July 2026[5][72]
INGAbout EUR 350 million of 2026 cost efficiencies; about 1,250 fewer Operations FTEsInvestor conference18 March 2026[24]
BBVAAbout three hours saved per employee per week among about 100,000 ChatGPT Enterprise usersOpenAI case study11 June 2026[41]
NatWest£1.2 billion invested in technology, data and AI transformation in 2025CIO31 December 2025[115]
HSBCNo group figure; prioritized Google Cloud projects each estimated above US$100 millionPartnership announcement17 June 2026[14]
Agentic payments

How do Santander's agentic payment pilots compare with its peers'?

All of these are pilots, controlled tests or standards work; none of the banks reports agentic payment volumes.

BankWhat it didNetwork or partnerDate
SantanderLive AI-agent payment in Europe in a controlled environment; Getnet acceptance of agent-initiated paymentsMastercard Agent Pay; Getnet2 March and 9 June 2026[8][16]
SantanderControlled agentic purchases in five Latin American marketsVisa Intelligent Commerce12 March 2026[9]
INGLive end-to-end agentic payment on European infrastructure; Visa Payment Passkeys test in GermanyWorldline and Mastercard; VisaJune and July 2026[10][116]
HSBCLive AI-initiated purchase on an HSBC UK card; first live agentic transaction in Hong KongVisa; MastercardJuly and March 2026[17][18]
BBVAFirst European bank to join the Poppy personal agent protocolSierra AI and Meta13 October 2026[94]
NatWest, ING, Capital OneCo-authored principles for trust in agentic commerce with ASB, Bank of America and Commonwealth BankIndustry paper22 September 2026[110]
Colleague and developer AI

How widely do Santander's employees and developers use AI compared with peers?

Each bank's own figure; definitions differ (access, active use, share of code).

BankColleague reachDeveloper AIAs of
SantanderAll 185,000 employees with AI access40% of code developed by AI; 17,000 people on agentic developmentJune 2026[2]
BBVAChatGPT Enterprise for 120,000 employees, about 100,000 using itAround 28% developer productivity gain with AI agentsJune-October 2026[11][41][7]
NatWestAI tools for all 60,000 colleaguesOver 40% of code written with AI by more than 12,000 engineersJuly 2026[6]
LloydsMicrosoft 365 E7 company-wide; 40,000 Copilot licencesMore than 11,000 engineers on GitHub CopilotJune-July 2026[37][117]
HSBCAround 85% of colleagues enabled31,000 engineers on AI coding assistantsFebruary 2026[83][81]
BarclaysAround 90% of colleagues on Copilot19,000 developers on GitLab, about 15% fasterFebruary 2026[15]
BNP Paribas100,000 onboarded to 'My companion'GitHub Copilot and Cursor under evaluationMay-July 2026[19][118]
INGAbout 600 AI staffSoftware engineering is one of five priority AI domainsSeptember 2026[62][24]
Model strategy

How does Santander's multi-provider model strategy compare with its peers'?

Santander buys from several model makers at once: Microsoft Copilot supports everyday productivity for all employees, while OpenAI's ChatGPT, Anthropic's Claude, Google's Gemini, startups and G42 (a memorandum signed 3 June 2026) cover specialized work. It says it does not share customer data externally to train third-party models, its 2025 annual report says it will create its own AI Studio to develop, train and adapt models, and in June 2026 Santander AI Lab published 11 open-source repositories under Apache 2.0.[2][119][22][120]

Its closest rivals have each picked an anchor. BBVA's relationship with OpenAI runs from 3,300 ChatGPT Enterprise licences in May 2024 to all 120,000 employees and a stake in OpenAI's Deployment Company; BNP Paribas anchors on Mistral AI with Google Cloud added in September 2026; ING says Google is its main technology partner; Lloyds builds its Envoy agent platform with Google Cloud and deploys Microsoft 365 E7 company-wide.[121][11][20][57][58][62][35][37]

The peer group

Which banks are Santander's peers, and why these?

Banco Santander is compared here with BBVA, ING Groep N.V., BNP Paribas SA, Lloyds Banking Group, NatWest Group plc, Barclays PLC, HSBC, JPMorgan Chase and Capital One: chosen by the editors for this page (see the note below the table). Banco Santander is classed as a universal bank headquartered in Spain.

The computed group mixed Santander with investment-bank-heavy groups (Deutsche Bank, Société Générale, UBS) and with MUFG and RBC, so this page uses the banks Santander's own 2025 Form 20-F lists as its key peers by country: BBVA and ING in Spain, BNP Paribas in Poland, Lloyds, NatWest, Barclays and HSBC in the UK, and Chase and Capital One in the US.

Common questions

Is Santander better than BBVA at AI?

The record cannot settle capability. On disclosure, BBVA scores 77.2 on this site's reference score against Santander's 71.3, and Evident's 2026 index ranked BBVA first among eurozone banks. Santander publishes a priced target (more than EUR 1 billion a year by 2028) and quarterly results against it; BBVA publishes 1,127 use cases in production and usage of ChatGPT Enterprise.[12][1][3][21]

How much value does Santander get from AI?

Santander reported EUR 35 million of AI business value in the first quarter of 2026 and EUR 84 million in the first half, from higher revenue, lower costs and lower loan-loss provisions, and expects more than EUR 200 million for 2026. Its target is more than EUR 1 billion a year by 2028, which Bloomberg reported as about EUR 300 million of revenue and EUR 700 million of cost cuts.[2][3][1][64]

Which bank made Europe's first agentic payment, Santander or ING?

Both use the phrase for different tests. Santander and Mastercard described a live end-to-end payment executed by an AI agent through Santander's payments infrastructure on 2 March 2026, in a controlled environment. ING, Worldline and Mastercard described a June 2026 concert-ticket purchase on European infrastructure as Europe's first end-to-end agentic payment transaction.[8][122][10]

How does Santander's use of AI in coding compare with other banks?

Santander says 40% of its code was developed by AI in June 2026 and 17,000 people used agentic AI in software development in May. NatWest reports more than 40% of code written with AI in 2025, HSBC 31,000 engineers on AI coding assistants, and Barclays 19,000 developers on GitLab with about 15% faster implementation.[2][6][81][15]

Which AI models does Santander use?

Several: Microsoft Copilot for everyday productivity across all 185,000 employees, and OpenAI's ChatGPT, Anthropic's Claude, Google's Gemini, startups and G42 for specialized capabilities. Santander says it does not share customer data externally to train third-party models and plans its own AI Studio to develop, train and adapt models.[2][22]

Is Santander cutting jobs because of AI?

Santander has set no AI-linked job target. Reuters reported on 24 June 2026 that talks with unions on voluntary early retirement in Spain were under way, which the bank said had no specific targets, and that group headcount fell by about 14,000 over two years to below 200,000. ING, by contrast, expects about 1,250 fewer Operations FTEs in 2026.[23][24]

Why is Santander compared with Lloyds, NatWest and Capital One?

Santander's own 2025 Form 20-F lists them as key peers by country: Nationwide, Barclays, Halifax (Lloyds), NatWest, Lloyds, HSBC and TSB in the UK, and Chase, Capital One, Bank of America and others in the US. Santander operates in both markets through Santander UK and Santander Bank, N.A.[123]

Peers on this site
BBVA AI strategy →How BBVA compares with its peers →ING AI strategy →How ING Groep N.V. compares with its peers →BNP Paribas AI strategy →How BNP Paribas SA compares with its peers →Lloyds Banking Group AI strategy →How Lloyds Banking Group compares with its peers →NatWest AI strategy →How NatWest Group plc compares with its peers →Barclays AI strategy →How Barclays PLC compares with its peers →HSBC AI strategy →How HSBC compares with its peers →JPMorgan AI strategy →How JPMorgan Chase compares with its peers →Capital One AI strategy →How Capital One compares with its peers →
Deeper on Santander
Banco Santander AI strategy: the full profile →Banco Santander competitors and alternatives →Santander competitors and alternatives →Santander US AI profile →BBVA AI profile →ING vs peers on AI →Bank AI index →AI disclosure index: the largest US banks ranked →Which banks lead in AI, topic by topic →
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  62. ING at Bank of America 31th Annual Financials CEO Conference: growth lifts targets
    Investing.com · Sep 23, 2026
  63. Interview: How ING reaps benefits of centralising AI (undated page, retrieved 2026-10-05)
    Computer Weekly · Oct 5, 2026
  64. Santander's Botin Sees €1 Billion AI Boost Amid Efficiency Push
    Bloomberg · Feb 25, 2026
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    Google Patents (EPO) · Mar 23, 2022
  66. Earnings call transcript: ING beats Q2 2026 forecasts and lifts outlook
    Investing.com · Jul 30, 2026
  67. ING Group Raises 2027 ROE Target Above 16% as Revenue, AI Drive Growth
    MarketBeat via Yahoo Finance · Sep 25, 2026
  68. BNP Paribas vows more cost cuts as profit tops forecast
    Reuters · Feb 5, 2026
  69. BNP Paribas Set to Roll Out AI Companion for All Staff
    Bloomberg · Mar 26, 2026
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    Investing.com · Jul 23, 2026
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    BNP Paribas · Oct 5, 2026
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    Lloyds Banking Group · Jul 30, 2026
  73. Lloyds boss warns bankers must 'reskill themselves' to survive AI boom
    The Guardian · Jan 29, 2026
  74. AI will support all Lloyds Bank customer interactions by 2030 (undated page, retrieved 2026-10-05)
    Computer Weekly · Oct 5, 2026
  75. Lloyds Expects £100 Million Boost from AI Spend in 2026
    Bloomberg · Jan 29, 2026
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    Google Patents (USPTO) · Sep 17, 2024
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    Lloyds Banking Group · Mar 14, 2025
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    Finextra · Jun 19, 2026
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    Reuters · Apr 20, 2026
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    Google Patents (USPTO) · Feb 13, 2025
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    HSBC Holdings plc · Feb 26, 2026
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    Reuters · May 20, 2026
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    Google Patents (USPTO) · Dec 12, 2024
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    American Banker · Jun 1, 2026
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    CNBC · Oct 13, 2026
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    Banking Dive · Oct 13, 2026
  93. JPMorgan warns of risks to consumers who rely on AI agents
    American Banker · Oct 13, 2026
  94. BBVA will help design a common protocol led by Sierra AI and Meta to connect AI agents with businesses
    BBVA · Oct 13, 2026
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    Ant Digital Technologies (PR Newswire via Yahoo Finance) · Oct 9, 2026
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    BBVA · Oct 9, 2026
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    Investing.com · Oct 7, 2026
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    AFP (via Yahoo Finance) · Oct 7, 2026
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    Banking Dive · Oct 6, 2026
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    Euronews (via Yahoo Finance) · Oct 7, 2026
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    Bloomberg · Oct 1, 2026
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    Bloomberg via Yahoo Finance · Oct 1, 2026
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    Finextra · Oct 1, 2026
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    American Banker · Oct 1, 2026
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    Fortune · Sep 29, 2026
  107. NatWest unveils AI-powered audio-visual spending insights tool
    Finextra · Sep 25, 2026
  108. A2K: a new protocol suite for connecting AI agents to governed, auditable enterprise knowledge
    Banco Santander · Sep 23, 2026
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    BNP Paribas · Sep 22, 2026
  110. Building Trust in Agentic Commerce: Customer-centric principles for a trusted and thriving ecosystem
    ING Group, ASB Bank, Bank of America, Capital One, Commonwealth Bank of Australia and NatWest Group · Sep 22, 2026
  111. Banks Call for Audit Trail From AI Shopping Instructions to Payment Outcome
    PYMNTS · Sep 22, 2026
  112. Lloyds Banking Group to invest £100 million in future skills as it expands support for young people
    Lloyds Banking Group · Aug 20, 2026
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    Banco Santander · Jul 30, 2026
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    BNP Paribas · Jun 12, 2026
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    Finextra · Feb 17, 2026
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    Worldline via GlobeNewswire · Jul 2, 2026
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    Lloyds Banking Group · Jul 30, 2026
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    SiliconANGLE · May 20, 2026
  119. Banco Santander and G42 sign Memorandum of Understanding to explore strategic cooperation in Artificial Intelligence
    Banco Santander · Jun 3, 2026
  120. Santander publishes AI projects under an Open Source licence to ramp up shared innovation
    Banco Santander · Jun 25, 2026
  121. BBVA expands its agreement with OpenAI to 11,000 ChatGPT licences for the bank's employees
    BBVA · May 12, 2025
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    Finextra · Mar 2, 2026
  123. Banco Santander, S.A. Annual Report on Form 20-F for the fiscal year ended 31 December 2025
    Banco Santander, S.A. (SEC filing) · Feb 27, 2026

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