# SoFi Technologies vs peers: AI and technology compared

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

*Part of the [SoFi Technologies AI strategy profile](https://www.bankingnewsai.com/banks/sofi). Peer group: Ally Financial, SLM Corporation (Sallie Mae), Capital One, American Express, Synchrony Financial, The Charles Schwab Corporation, Axos Financial, The Bancorp, Inc..*

## How does SoFi Technologies compare with its peers on AI and technology?

SoFi scores 80.4 on this site's US AI disclosure index (#20 of 120), fourth of the nine digital, card, student-loan and brokerage banks in its peer group: behind American Express (93.1) and Capital One (86.9), close to level with Charles Schwab (80.7), and ahead of Ally (76.5), Synchrony (68.8), Axos (56.7), Sallie Mae (45.7) and The Bancorp (21.3). It is second in the group on dated moves in the last 12 months (28, behind Amex's 32) and on use cases in production (14, behind Schwab's 15), but only fifth on independent coverage, with 15 sources against 30 for Amex. Three things separate it from named peers. It owns the stack it runs on and sells it: Galileo, bought for $1.2 billion in 2020, and Technisys, bought for $915 million in 2022, whose Cyberbank Konecta conversational AI engine runs SoFi's member support and is sold to banks. Its consumer assistant publishes scale: SoFi Coach launched on June 2, 2026 and had nearly 500,000 conversations with over 90% positive feedback by July 29, 2026, while Capital One publishes no usage figure for Eno and Schwab began a phased rollout of Charley only in October 2026. And it is pushing AI into investing with Composer by SoFi (June 23, 2026). Where it trails: its 2025 10-K calls its current use of AI and machine learning 'limited', it publishes no employee adoption figure while Ally counts 57% of full-time staff as active AI users, and its Technology Platform revenue fell 23% in the second quarter of 2026. ([Forbes](https://www.forbes.com/sites/jeffkauflin/2026/06/16/how-sofi-went-from-fintech-darling-to-wall-street-pariah/), [SoFi Tech Solutions (Galileo)](https://tech.sofi.com/news/galileos-ai-driven-intelligent-digital-assistant-cyberbank-konecta-enhances-sofi-member-experience/), [SoFi Tech Solutions](https://tech.sofi.com/news/sofi-tech-platform-q2-growth/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1), [SEC (SoFi Technologies 8-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000050/a2026q2earningsrelease.htm), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/sofi-technologies-q2-earnings-call-170406461.html), [Capital One](https://www.capitalone.com/digital/tools/eno/), [Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Meet-Charley-Schwabs-New-AI-Powered-Assistant-Designed-to-Help-Clients-Get-Answers-and-Take-Action/default.aspx), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606230800BIZWIRE_USPRX____20260623_BW095057-1), [SEC (SoFi Technologies 10-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000013/sofi-20251231.htm), [Ally Financial](https://media.ally.com/image/Ally_2025AnnualReport_Final-accessible+%2B+10-K.pdf), [SEC (SoFi Technologies 10-Q)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000054/sofi-20260630.htm))

## Where does SoFi lead its peers on AI?

- **A consumer assistant with published usage.** SoFi Coach, launched for SoFi Plus members on June 2, 2026 and rolled out widely in July, reached nearly 500,000 conversations with over 90% positive feedback by July 29, 2026, and nearly 70% of engaged testers took a meaningful financial action. Capital One has published no usage figure for Eno since its 2017 launch, and Schwab's Charley began a phased rollout only in October 2026. ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1), [The Financial Brand](https://thefinancialbrand.com/news/banking-technology/how-sofis-coach-app-delivers-personalized-actionable-advice-and-drives-the-banks-expansion-plans-199145), [SEC (SoFi Technologies 8-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000050/a2026q2earningsrelease.htm), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/sofi-technologies-q2-earnings-call-170406461.html), [Capital One](https://www.capitalone.com/digital/tools/eno/), [Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Meet-Charley-Schwabs-New-AI-Powered-Assistant-Designed-to-Help-Clients-Get-Answers-and-Take-Action/default.aspx))
- **Owns its processing, core and conversational AI.** SoFi bought Galileo (payments processing, 2020, $1.2 billion) and Technisys (cloud core banking, 2022, $915 million), and its Technology Platform sells a conversational AI engine and an AI/ML payment-risk platform to other institutions. Peers mostly assemble AI on hyperscalers: Ally.ai runs over Microsoft's Azure OpenAI Service, and Synchrony signed an enterprise collaboration with OpenAI on August 17, 2026. ([Forbes](https://www.forbes.com/sites/jeffkauflin/2026/06/16/how-sofi-went-from-fintech-darling-to-wall-street-pariah/), [SEC (SoFi Technologies 10-Q)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000054/sofi-20260630.htm), [SoFi Tech Solutions (Galileo)](https://tech.sofi.com/news/galileos-ai-driven-intelligent-digital-assistant-cyberbank-konecta-enhances-sofi-member-experience/), [Ally Financial](https://media.ally.com/2023-09-19-Ally-launches-proprietary,-enterprise-AI-platform), [Synchrony (PR Newswire)](https://investors.synchrony.com/news-events/financial-news/detail/586/synchrony-announces-enterprise-collaboration-with-openai-to-power-the-next-era-of-agentic-commerce))
- **Second in the group on recent dated moves.** SoFi's profile records 28 dated AI moves in the last 12 months, second of the nine banks behind American Express (32) and above a peer median of 20: Cash Coach (October 2025), Personal Loan Doc Coach (April 2026), SoFi Coach (June 2026), Composer by SoFi (June 2026) and SoFiUSD settlement on Mastercard (September 22, 2026) among them. ([American Banker](https://americanbanker.com/news/sofi-targets-bank-deposits-with-consumer-facing-ai), [SEC (SoFi Technologies 8-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000020/a2026q1earningsrelease.htm), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606230800BIZWIRE_USPRX____20260623_BW095057-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202609220800BIZWIRE_USPRX____20260922_BW545634-1))
- **Fourteen use cases in production, second to Schwab.** Fourteen of SoFi's 17 recorded AI use cases are in production, second in the group behind Charles Schwab (15) and above a peer median of 10; they span Coach, Composer, Konecta member support, Doc Coach, Oscilar credit decisioning and Poetic's fraud-investigation agents. Ally has 9 of 13 in production and Sallie Mae 9 of 12. ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606230800BIZWIRE_USPRX____20260623_BW095057-1), [SoFi Tech Solutions](https://tech.sofi.com/blog/why-your-banks-chatbot-isnt-working-and-what-comes-next), [SEC (SoFi Technologies 8-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000020/a2026q1earningsrelease.htm), [Oscilar (PR Newswire)](https://www.prnewswire.com/news-releases/oscilar-launches-agent-hub-the-first-unified-ai-agent-platform-spanning-fraud-compliance-credit-and-onboarding-302789709.html), [PR Newswire (Poetic)](https://www.prnewswire.com/news-releases/poetic-raises-50m-series-a-to-automate-the-worlds-most-complex-enterprise-processes-with-reliable-ai-302796939.html))

## Where does SoFi trail its peers on AI?

- **No workforce adoption figure, and AI use called 'limited'.** SoFi's 2025 10-K says its current use of AI and machine learning is 'limited', and it publishes no share of employees using AI. Ally counts 57% of full-time staff as active AI users in 2025, Synchrony says nearly 100% of its professional workforce has used AI tools since 2024, Schwab gives AI tools to all 33,000 employees, and Axos says 90% of its committed code is written by AI. ([SEC (SoFi Technologies 10-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000013/sofi-20251231.htm), [Ally Financial](https://media.ally.com/image/Ally_2025AnnualReport_Final-accessible+%2B+10-K.pdf), [Synchrony (PR Newswire)](https://investors.synchrony.com/news-events/financial-news/detail/586/synchrony-announces-enterprise-collaboration-with-openai-to-power-the-next-era-of-agentic-commerce), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/schwab-schw-q1-2026-earnings-145425271.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html))
- **Half of Amex's independent coverage.** On this site's index SoFi has 15 independent sources on its AI, the group median, against 30 for American Express and 25 for Capital One; independent coverage carries 45% of the index weight, which is why SoFi sits fourth despite ranking second on recent moves and use cases in production. ([Banking Dive](https://www.bankingdive.com/news/sofi-bank-ai-adviser-coach-financial-planning/822329/), [The Financial Brand](https://thefinancialbrand.com/news/banking-technology/how-sofis-coach-app-delivers-personalized-actionable-advice-and-drives-the-banks-expansion-plans-199145), [PYMNTS](https://pymnts.com/news/artificial-intelligence/2026/sofi-teaches-its-ai-coach-to-read-the-financial-room))
- **Fraud and credit AI results come from vendors.** The headline figures on SoFi's risk AI are vendors' claims: Oscilar reports 50% faster credit-risk strategy deployment and Poetic 99%+ quality on end-to-end fraud investigations. Capital One reports its own result, more than $120 million of potentially fraudulent auto applications prevented in 12 months by ProtectID, and Synchrony says PRISM approved nearly 50,000 customers in 2025 who would otherwise have been declined. ([Oscilar (PR Newswire)](https://www.prnewswire.com/news-releases/oscilar-launches-agent-hub-the-first-unified-ai-agent-platform-spanning-fraud-compliance-credit-and-onboarding-302789709.html), [PR Newswire (Poetic)](https://www.prnewswire.com/news-releases/poetic-raises-50m-series-a-to-automate-the-worlds-most-complex-enterprise-processes-with-reliable-ai-302796939.html), [Capital One](https://www.capitalone.com/about/newsroom/capital-one-auto-wins-two-2026-big-innovation-awards), [American Banker](https://americanbanker.com/news/synchronys-prism-is-one-of-the-innovations-of-the-year-honoree))
- **The technology business it sells is shrinking.** Technology Platform net revenue fell 23% to $84.5 million in the second quarter of 2026 and Galileo accounts fell to 134.8 million from 160.0 million a year earlier; the 10-K says a significant Galileo client moved to a competitor, and Chime says it moved its transactions from Galileo to its own ChimeCore processor by the end of 2025. ([SEC (SoFi Technologies 10-Q)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000054/sofi-20260630.htm), [SEC (SoFi Technologies 10-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000013/sofi-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm))

## Where does SoFi 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [American Express](https://www.bankingnewsai.com/banks/american-express) | [93.1](https://www.bankingnewsai.com/banks/ai-index) | #3 of 120 | [30](https://www.bankingnewsai.com/banks/american-express#sources) | [28](https://www.bankingnewsai.com/banks/american-express#sources) | [13 of 24](https://www.bankingnewsai.com/banks/american-express#where) | [32](https://www.bankingnewsai.com/banks/american-express#timeline) | Agentic Commerce Experiences (ACE) and Amex Agent Purchase Protection ([American Express](https://www.americanexpress.com/en-us/newsroom/articles/innovation/american-express-debuts-agentic-commerce-experiences--ace--devel.html), [American Express via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604160915BIZWIRE_USPRX____20260415_BW433431-1), [American Banker](https://www.americanbanker.com/payments/news/amex-introduces-agentic-commerce-developers-kit)) |
| [Capital One](https://www.bankingnewsai.com/banks/capital-one) | [86.9](https://www.bankingnewsai.com/banks/ai-index) | #9 of 120 | [25](https://www.bankingnewsai.com/banks/capital-one#sources) | [45](https://www.bankingnewsai.com/banks/capital-one#sources) | [13 of 13](https://www.bankingnewsai.com/banks/capital-one#where) | [25](https://www.bankingnewsai.com/banks/capital-one#timeline) | Chat Concierge and the in-house agent stack ([Capital One](https://www.capitalone.com/tech/ai/future-of-ai-car-dealerships-shopping), [Capital One](https://www.capitalone.com/tech/ai/applied-ai-research), [American Banker](https://www.americanbanker.com/news/goldman-sachs-capital-one-prep-for-self-driving-ai-agents)) |
| [The Charles Schwab Corporation](https://www.bankingnewsai.com/banks/charles-schwab) | [80.7](https://www.bankingnewsai.com/banks/ai-index) | #19 of 120 | [18](https://www.bankingnewsai.com/banks/charles-schwab#sources) | [14](https://www.bankingnewsai.com/banks/charles-schwab#sources) | [15 of 19](https://www.bankingnewsai.com/banks/charles-schwab#where) | [24](https://www.bankingnewsai.com/banks/charles-schwab#timeline) | Charley, Portfolio Insights, Schwab Knowledge Assistant and Schwab Advisor AI in Action ([Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Meet-Charley-Schwabs-New-AI-Powered-Assistant-Designed-to-Help-Clients-Get-Answers-and-Take-Action/default.aspx), [Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-Launches-AI-Powered-Capability-That-Helps-Investors-Understand-Portfolio-Performance-and-Market-Activity/default.aspx), [Charles Schwab](https://www.aboutschwab.com/mss/story/ai-on-the-other-end-of-the-line), [Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Schwab-Study-Reveals-RIA-AI-Adoption-More-Than-Doubles---But-Most-Firms-Still-in-Early-Stages/default.aspx), [Banking Dive](https://bankingdive.com/news/charles-schwab-bank-ceo-paul-woolway-retire-tyler-woulfe/811079)) |
| [SoFi Technologies (this page)](https://www.bankingnewsai.com/banks/sofi) | [80.4](https://www.bankingnewsai.com/banks/ai-index) | #20 of 120 | [15](https://www.bankingnewsai.com/banks/sofi#sources) | [20](https://www.bankingnewsai.com/banks/sofi#sources) | [14 of 17](https://www.bankingnewsai.com/banks/sofi#where) | [28](https://www.bankingnewsai.com/banks/sofi#timeline) | SoFi Coach, Composer by SoFi and the Galileo / Technisys stack ([American Banker](https://americanbanker.com/news/sofi-targets-bank-deposits-with-consumer-facing-ai), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606230800BIZWIRE_USPRX____20260623_BW095057-1), [SoFi (engineering blog)](https://sofietyblog.sofi.com/leveraging-ai-for-executing-a-complex-mobile-migration)) |
| [Ally Financial](https://www.bankingnewsai.com/banks/ally) | [76.5](https://www.bankingnewsai.com/banks/ai-index) | #27 of 120 | [22](https://www.bankingnewsai.com/banks/ally#sources) | [16](https://www.bankingnewsai.com/banks/ally#sources) | [9 of 13](https://www.bankingnewsai.com/banks/ally#where) | [20](https://www.bankingnewsai.com/banks/ally#timeline) | Ally.ai and the Personas ([Ally Financial](https://media.ally.com/2025-07-23-Ally-Financial-rolls-out-proprietary-AI-platform-enterprise-wide), [American Banker](https://americanbanker.com/news/how-sathish-muthukrishnan-keeps-allys-data-safe-from-gen-ai), [American Banker](https://americanbanker.com/news/allys-personas-is-on-of-the-innovation-of-the-year-honorees)) |
| [Synchrony Financial](https://www.bankingnewsai.com/banks/synchrony) | [68.8](https://www.bankingnewsai.com/banks/ai-index) | #35 of 120 | [12](https://www.bankingnewsai.com/banks/synchrony#sources) | [15](https://www.bankingnewsai.com/banks/synchrony#sources) | [10 of 15](https://www.bankingnewsai.com/banks/synchrony#where) | [20](https://www.bankingnewsai.com/banks/synchrony#timeline) | Synchrony GPT and the ChatGPT Enterprise rollout ([Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [Synchrony (PR Newswire)](https://investors.synchrony.com/news-events/financial-news/detail/586/synchrony-announces-enterprise-collaboration-with-openai-to-power-the-next-era-of-agentic-commerce), [American Banker](https://americanbanker.com/news/synchronys-carol-juel-is-29-on-the-most-innovative-people-in-finance-ranking)) |
| [Axos Financial](https://www.bankingnewsai.com/banks/axos) | [56.7](https://www.bankingnewsai.com/banks/ai-index) | #50 of 120 | [8](https://www.bankingnewsai.com/banks/axos#sources) | [16](https://www.bankingnewsai.com/banks/axos#sources) | [10 of 12](https://www.bankingnewsai.com/banks/axos#where) | [17](https://www.bankingnewsai.com/banks/axos#timeline) | Enterprise AI programme, OutSystems Agent Workbench and Arc ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html), [OutSystems (Business Wire)](https://businesswire.com/news/home/20250930527578/en/OutSystems-Announces-General-Availability-of-Agent-Workbench-Empowering-Enterprises-to-Drive-Business-Impact-with-Agentic-Systems), [Axos Financial](https://investors.axosfinancial.com/news-events/press-releases/news-details/2026/Axos-Financial-Inc--to-Acquire-Arc-Technologies-Inc-/default.aspx), [American Banker](https://www.americanbanker.com/news/axos-to-buy-san-francisco-fintech-and-its-ai-technology)) |
| [SLM Corporation (Sallie Mae)](https://www.bankingnewsai.com/banks/sallie-mae) | [45.7](https://www.bankingnewsai.com/banks/ai-index) | #63 of 120 | [4](https://www.bankingnewsai.com/banks/sallie-mae#sources) | [23](https://www.bankingnewsai.com/banks/sallie-mae#sources) | [9 of 12](https://www.bankingnewsai.com/banks/sallie-mae#where) | [17](https://www.bankingnewsai.com/banks/sallie-mae#timeline) | Technology and enablement organisation under Steve Turner ([Sallie Mae](https://news.salliemae.com/news-releases/news-releases-details/2026/Sallie-Mae-Names-Steve-Turner-Chief-Technology-and-Enablement-Officer/default.aspx), [Sallie Mae](https://salliemae.com/content/dam/slm/writtencontent/Reports/investors/SLM_Corporation_Proxy_Statement_April_27_2026.pdf), [Sallie Mae](https://salliemae.com/content/dam/slm/writtencontent/Reports/investors/2Q26_Sallie_Mae_Earnings_Presentation.pdf), [Zenarate (PR Newswire)](https://www.prnewswire.com/news-releases/zenarate-ai-coach-transforms-how-agents-learn-and-perform-through-natural-language-ai-simulation-training-301864280.html), [SLM Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1032033/000103203326000011/slm-20251231.htm)) |
| [The Bancorp, Inc.](https://www.bankingnewsai.com/banks/the-bancorp) | [21.3](https://www.bankingnewsai.com/banks/ai-index) | #96 of 120 | [5](https://www.bankingnewsai.com/banks/the-bancorp#sources) | [6](https://www.bankingnewsai.com/banks/the-bancorp#sources) | [4 of 10](https://www.bankingnewsai.com/banks/the-bancorp#where) | [15](https://www.bankingnewsai.com/banks/the-bancorp#timeline) | Not disclosed |

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

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

| Component (weight) | SoFi | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 15 | 15 | [Amex (30)](https://www.bankingnewsai.com/banks/american-express) | 5th of 9 |
| Use cases in production (10%) | 14 | 10 | [Schwab (15)](https://www.bankingnewsai.com/banks/charles-schwab) | 2nd of 9 |
| Own primary disclosures (10%) | 20 | 16 | [Capital One (45)](https://www.bankingnewsai.com/banks/capital-one) | 4th of 9 |
| Dated moves, last 12 months (10%) | 28 | 20 | [Amex (32)](https://www.bankingnewsai.com/banks/american-express) | 2nd of 9 |
| Disclosed numbers (5%) | 17 | 14.5 | [Schwab (21)](https://www.bankingnewsai.com/banks/charles-schwab) | 2nd of 9 |
| Named AI leaders (5%) | 10 | 10 | [Ally (14)](https://www.bankingnewsai.com/banks/ally) | 5th of 9 |
| Use cases described (5%) | 17 | 13 | [Amex (24)](https://www.bankingnewsai.com/banks/american-express) | 3rd of 9 |

## What has each bank in SoFi'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 |
| --- | --- | --- | --- | --- | --- |
| [SoFi Technologies](https://www.bankingnewsai.com/banks/sofi) | SoFi Coach, Composer by SoFi and the Galileo / Technisys stack ([American Banker](https://americanbanker.com/news/sofi-targets-bank-deposits-with-consumer-facing-ai), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606230800BIZWIRE_USPRX____20260623_BW095057-1), [SoFi (engineering blog)](https://sofietyblog.sofi.com/leveraging-ai-for-executing-a-complex-mobile-migration)) | [10, incl. Anthony Noto (Chief Executive Officer)](https://www.bankingnewsai.com/banks/sofi#people) ([American Banker](https://americanbanker.com/news/sofis-anthony-noto-is-9-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://americanbanker.com/news/sofi-targets-bank-deposits-with-consumer-facing-ai)) | Mobile monorepo migrated with AI tooling: > 2 million lines; 40,000+ tests (Jul 6, 2026) ([SoFi (engineering blog)](https://sofietyblog.sofi.com/leveraging-ai-for-executing-a-complex-mobile-migration)) | 2 patents listed on the profile, e.g. US 2024/0403952 A1 (Continuation of the fairness patent) ([Google Patents (USPTO)](https://patents.google.com/patent/US20240403952A1/en)) | [5 open AI roles (Oct 1, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/sofi#roles) |
| [Ally Financial](https://www.bankingnewsai.com/banks/ally) | Ally.ai and the Personas ([Ally Financial](https://media.ally.com/2025-07-23-Ally-Financial-rolls-out-proprietary-AI-platform-enterprise-wide), [American Banker](https://americanbanker.com/news/how-sathish-muthukrishnan-keeps-allys-data-safe-from-gen-ai), [American Banker](https://americanbanker.com/news/allys-personas-is-on-of-the-innovation-of-the-year-honorees)) | [14, incl. Michael Rhodes (Chief Executive Officer)](https://www.bankingnewsai.com/banks/ally#people) ([Ally Financial](https://media.ally.com/2026-07-13-Ally-Financial-Names-Mark-Mathewson-Chief-Information-and-Data-Officer), [Reuters](https://reuters.com/markets/deals/consumer-lender-ally-financial-sell-credit-card-business-cardworks-2025-01-22)) | Employees with Ally.ai access: 10,000+ (Jul 23, 2025) ([Ally Financial](https://media.ally.com/2025-07-23-Ally-Financial-rolls-out-proprietary-AI-platform-enterprise-wide)) | 4 patents listed on the profile, e.g. US 2026/0211928 A1 (Hybrid long-context summarisation) ([Google Patents (USPTO)](https://patents.google.com/patent/US20260211928A1/en)) | [2 open AI roles (Oct 1, 2026); most in AI security](https://www.bankingnewsai.com/banks/ally#roles) |
| [SLM Corporation (Sallie Mae)](https://www.bankingnewsai.com/banks/sallie-mae) | Technology and enablement organisation under Steve Turner ([Sallie Mae](https://news.salliemae.com/news-releases/news-releases-details/2026/Sallie-Mae-Names-Steve-Turner-Chief-Technology-and-Enablement-Officer/default.aspx), [Sallie Mae](https://salliemae.com/content/dam/slm/writtencontent/Reports/investors/SLM_Corporation_Proxy_Statement_April_27_2026.pdf), [Sallie Mae](https://salliemae.com/content/dam/slm/writtencontent/Reports/investors/2Q26_Sallie_Mae_Earnings_Presentation.pdf), [Zenarate (PR Newswire)](https://www.prnewswire.com/news-releases/zenarate-ai-coach-transforms-how-agents-learn-and-perform-through-natural-language-ai-simulation-training-301864280.html), [SLM Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1032033/000103203326000011/slm-20251231.htm)) | [6, incl. Jon Witter (Chief Executive Officer)](https://www.bankingnewsai.com/banks/sallie-mae#people) ([Sallie Mae](https://news.salliemae.com/news-releases/news-releases-details/2026/Sallie-Mae-Names-Steve-Turner-Chief-Technology-and-Enablement-Officer/default.aspx), [Sallie Mae](https://news.salliemae.com/news-releases/news-releases-details/2026/Sallie-Mae-Announces-Senior-Leadership-Appointments/default.aspx)) | Students / parents using AI in the college application or decision process: 23% / 18% (Aug 6, 2024) ([Sallie Mae](https://news.salliemae.com/news-releases/news-releases-details/2024/Just-Released-How-America-Pays-for-College-2024-Report-Finds-College-Spending-Stable-with-Family-Out-of-Pocket-Contributions-Covering-the-Largest-Share-of-Cost)) | Not disclosed | Not surveyed |
| [Capital One](https://www.bankingnewsai.com/banks/capital-one) | Chat Concierge and the in-house agent stack ([Capital One](https://www.capitalone.com/tech/ai/future-of-ai-car-dealerships-shopping), [Capital One](https://www.capitalone.com/tech/ai/applied-ai-research), [American Banker](https://www.americanbanker.com/news/goldman-sachs-capital-one-prep-for-self-driving-ai-agents)) | [9, incl. Richard Fairbank (Founder, Chairman and CEO)](https://www.bankingnewsai.com/banks/capital-one#people) ([Capital One via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/927628/000119312526124157/d860581dars.pdf)) | Evident AI index rank: #2 of 50 (four editions running) (Oct 6, 2026) ([American Banker](https://www.americanbanker.com/news/jpmorganchase-capital-one-top-ai-ranking-once-again), [American Banker](https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens)) | 2 patents listed on the profile, e.g. EP4776166A1: Safeguarding user-facing AI models (Published application) ([Google Patents (EPO)](https://patents.google.com/patent/EP4776166A1/en)) | [12+ open AI roles (Oct 1, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/capital-one#roles) |
| [American Express](https://www.bankingnewsai.com/banks/american-express) | Agentic Commerce Experiences (ACE) and Amex Agent Purchase Protection ([American Express](https://www.americanexpress.com/en-us/newsroom/articles/innovation/american-express-debuts-agentic-commerce-experiences--ace--devel.html), [American Express via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604160915BIZWIRE_USPRX____20260415_BW433431-1), [American Banker](https://www.americanbanker.com/payments/news/amex-introduces-agentic-commerce-developers-kit)) | [9, incl. Stephen J. Squeri (Chairman and CEO)](https://www.bankingnewsai.com/banks/american-express#people) ([American Express via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603250800BIZWIRE_USPRX____20260324_BW120486-1), [American Banker](https://www.americanbanker.com/payments/news/amex-reports-earnings-in-line-with-analyst-expectations)) | AI productivity in coding and testing: ≈ 30% (Q1 2026); coding cycle-time target −30% to −40% (Q2 2026) (Jul 24, 2026) ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/american-express-company-q1-2026-164752186.html), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/american-express-company-q2-2026-123000218.html)) | 7 patents listed on the profile, e.g. US 2026/0189520 A1 (Agentic architecture request routing using a payload-embedded token) ([Google Patents (USPTO)](https://patents.google.com/patent/US20260189520A1/en)) | [12+ open AI roles (Oct 1, 2026); most in agentic AI & LLM](https://www.bankingnewsai.com/banks/american-express#roles) |
| [Synchrony Financial](https://www.bankingnewsai.com/banks/synchrony) | Synchrony GPT and the ChatGPT Enterprise rollout ([Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [Synchrony (PR Newswire)](https://investors.synchrony.com/news-events/financial-news/detail/586/synchrony-announces-enterprise-collaboration-with-openai-to-power-the-next-era-of-agentic-commerce), [American Banker](https://americanbanker.com/news/synchronys-carol-juel-is-29-on-the-most-innovative-people-in-finance-ranking)) | [11, incl. Brian Doubles (President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/synchrony#people) ([Investing.com](https://ng.investing.com/news/transcripts/earnings-call-transcript-synchrony-beats-q2-2026-eps-forecast-as-sales-hit-record-93CH-2609405), [Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-announces-executive-leadership-changes.html)) | Professional workforce using AI tools since 2024: Nearly 100% (Aug 13, 2026) ([Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html)) | 5 patents listed on the profile, e.g. US 2026/0006097 A1 (Custom filtering and routing of large-language-model content) ([Google Patents (USPTO)](https://patents.google.com/patent/US20260006097A1/en)) | Not surveyed |
| [The Charles Schwab Corporation](https://www.bankingnewsai.com/banks/charles-schwab) | Charley, Portfolio Insights, Schwab Knowledge Assistant and Schwab Advisor AI in Action ([Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Meet-Charley-Schwabs-New-AI-Powered-Assistant-Designed-to-Help-Clients-Get-Answers-and-Take-Action/default.aspx), [Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-Launches-AI-Powered-Capability-That-Helps-Investors-Understand-Portfolio-Performance-and-Market-Activity/default.aspx), [Charles Schwab](https://www.aboutschwab.com/mss/story/ai-on-the-other-end-of-the-line), [Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Schwab-Study-Reveals-RIA-AI-Adoption-More-Than-Doubles---But-Most-Firms-Still-in-Early-Stages/default.aspx), [Banking Dive](https://bankingdive.com/news/charles-schwab-bank-ceo-paul-woolway-retire-tyler-woulfe/811079)) | [14, incl. Rick Wurster (President and CEO)](https://www.bankingnewsai.com/banks/charles-schwab#people) ([Bloomberg](https://bloomberg.com/news/articles/2026-05-13/schwab-plans-to-use-ai-to-reach-serve-less-affluent-customers), [Bloomberg](https://bloomberg.com/news/articles/2026-02-11/charles-schwab-ceo-says-ai-is-poised-to-boost-wealth-managers)) | Retail clients wanting AI paired with human expertise: ≈ 70% (of ≈ 1,000 surveyed) (May 5, 2026) ([Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-Launches-AI-Powered-Capability-That-Helps-Investors-Understand-Portfolio-Performance-and-Market-Activity/default.aspx)) | 4 patents listed on the profile, e.g. US 2025/0077917 A1 (Iterative generation and plotting of machine-learning outcomes) ([Google Patents (USPTO)](https://patents.google.com/patent/US20250077917A1/en)) | [12+ open AI roles (Oct 1, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/charles-schwab#roles) |
| [Axos Financial](https://www.bankingnewsai.com/banks/axos) | Enterprise AI programme, OutSystems Agent Workbench and Arc ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html), [OutSystems (Business Wire)](https://businesswire.com/news/home/20250930527578/en/OutSystems-Announces-General-Availability-of-Agent-Workbench-Empowering-Enterprises-to-Drive-Business-Impact-with-Agentic-Systems), [Axos Financial](https://investors.axosfinancial.com/news-events/press-releases/news-details/2026/Axos-Financial-Inc--to-Acquire-Arc-Technologies-Inc-/default.aspx), [American Banker](https://www.americanbanker.com/news/axos-to-buy-san-francisco-fintech-and-its-ai-technology)) | [11, incl. Gregory Garrabrants (President and CEO)](https://www.bankingnewsai.com/banks/axos#people) ([Axos Financial (Business Wire)](https://businesswire.com/news/home/20260730727486/en/Axos-Financial-Inc.-Reports-Fiscal-Year-2026-Results), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html)) | Share of committed code written by AI: 90% (Apr 30, 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html)) | 4 patents listed on the profile, e.g. US 2024/0098082 A1 (Further continuation of the online authentication family) ([Google Patents (USPTO)](https://patents.google.com/patent/US20240098082A1/en)) | [9 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/axos#roles) |
| [The Bancorp, Inc.](https://www.bankingnewsai.com/banks/the-bancorp) | Not disclosed | [4, incl. Damian Kozlowski (Chief Executive Officer)](https://www.bankingnewsai.com/banks/the-bancorp#people) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q4-2025-misses-eps-forecast-stock-drops-93CH-4476230), [The Bancorp (Business Wire via Yahoo Finance)](https://finance.yahoo.com/small-business/articles/bancorp-advances-apex-2030-continued-200500324.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q3-2025-misses-eps-forecast-revenue-beats-93CH-4324073)) | First AI use case: investment and expected cost avoidance: $300,000 invested; about $1.5 million of run-rate expense expected to be avoided (Oct 31, 2025) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q3-2025-misses-eps-forecast-revenue-beats-93CH-4324073)) | Not disclosed | [2 open AI roles (Oct 5, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/the-bancorp#roles) |

## What are the latest dated moves on the AI record of SoFi and its peers?

The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 13, 2026 | [Amex](https://www.bankingnewsai.com/banks/american-express) | Intent Intelligence framework published ([American Express via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202610130930BIZWIRE_USPRX____20261013_BW636634-1), [TechCrunch](https://techcrunch.com/2026/10/13/amex-introduces-a-framework-to-prevent-ai-agents-from-making-unauthorized-purchases)) |
| Oct 8, 2026 | [Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | How Charley was built: employee testing, confirmation before any change ([Traders Magazine](https://www.tradersmagazine.com/featured_articles/charles-schwabs-amy-ruegg-ai-can-make-investing-easier-but-human-expertise-remains-key/)) |
| Oct 8, 2026 | [Amex](https://www.bankingnewsai.com/banks/american-express) | Agentic commerce playbook and merchant advisory council ([Payments Dive](https://paymentsdive.com/news/amex-advises-businesses-on-ai/832423)) |
| Oct 6, 2026 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | Second on the Evident AI index for a fourth year ([American Banker](https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens), [Banking Dive](https://www.bankingdive.com/news/banks-ai-guardrails-accelerate/832216/)) |
| Oct 1, 2026 | [Ally](https://www.bankingnewsai.com/banks/ally) | CRO: AI should be 'an accelerant', not just something to control ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-9-stephanie-richard-ally-financial)) |
| Sep 30, 2026 | [Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | Charley, a gen-AI assistant for retail clients, unveiled ([Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Meet-Charley-Schwabs-New-AI-Powered-Assistant-Designed-to-Help-Clients-Get-Answers-and-Take-Action/default.aspx), [Charles Schwab (Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/meet-charley-schwab-ai-powered-130000718.html)) |
| Sep 30, 2026 | [Synchrony](https://www.bankingnewsai.com/banks/synchrony) | Oxford Economics study and an AI-platform partnership for CareCredit ([Synchrony (PR Newswire)](https://www.prnewswire.com/news-releases/synchrony-and-oxford-economics-find-trust-will-define-the-future-of-ai-shopping-302894036.html), [Synchrony (PR Newswire)](https://investors.synchrony.com/news-events/financial-news/detail/590/carecredit-partners-with-vetspire-to-modernize-veterinary-payments-with-ai-enabled-practice-solutions)) |
| Sep 29, 2026 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | Natarajan: cutting latency and token costs with smaller, open-weight models ([Fortune](http://fortune.com/2026/09/29/how-banks-are-using-ai-agents-copilots-roi)) |
| Sep 24, 2026 | [Axos Bank](https://www.bankingnewsai.com/banks/axos) | Proxy: Technology Committee chair named; Axos Clearing head retired ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000073/ax-20260924.htm)) |
| Sep 22, 2026 | [SoFi](https://www.bankingnewsai.com/banks/sofi) | SoFiUSD settlement live on Mastercard ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202609220800BIZWIRE_USPRX____20260922_BW545634-1)) |
| Sep 21, 2026 | [Axos Bank](https://www.bankingnewsai.com/banks/axos) | Capital One IRA acquisition closes ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000066/ax-20260921.htm)) |
| Sep 15, 2026 | [Ally](https://www.bankingnewsai.com/banks/ally) | Barclays conference: AI funded by streamlining ([Investing.com](https://uk.investing.com/news/stock-market-news/ally-financial-at-barclays-conference-profit-gains-meet-lingering-headwinds-93CH-4870182)) |
| Sep 8, 2026 | [The Bancorp](https://www.bankingnewsai.com/banks/the-bancorp) | Chime says it will buy a bank of its own ([American Banker](https://americanbanker.com/payments/news/how-the-banking-as-a-service-model-is-changing)) |
| Sep 4, 2026 | [The Bancorp](https://www.bankingnewsai.com/banks/the-bancorp) | Apex 2030 restructuring: 64 jobs cut, more automation and AI ([The Bancorp (Business Wire via Yahoo Finance)](https://finance.yahoo.com/small-business/articles/bancorp-advances-apex-2030-continued-200500324.html)) |
| Aug 27, 2026 | [Synchrony](https://www.bankingnewsai.com/banks/synchrony) | Strategy chief on 'healthy paranoia' about agentic commerce ([PYMNTS](https://pymnts.com/news/artificial-intelligence/2026/synchrony-says-ai-has-put-every-checkout-in-play)) |
| Aug 21, 2026 | [SoFi](https://www.bankingnewsai.com/banks/sofi) | Coach rolled out widely; actions still member-authorised ([The Financial Brand](https://thefinancialbrand.com/news/banking-technology/how-sofis-coach-app-delivers-personalized-actionable-advice-and-drives-the-banks-expansion-plans-199145)) |
| Jul 23, 2026 | [Sallie Mae](https://www.bankingnewsai.com/banks/sallie-mae) | Second-quarter 2026 results ([Sallie Mae](https://news.salliemae.com/news-releases/news-releases-details/2026/Sallie-Mae-Reports-Second-Quarter-2026-Financial-Results/default.aspx), [Sallie Mae](https://salliemae.com/content/dam/slm/writtencontent/Reports/investors/2Q26_Sallie_Mae_Earnings_Presentation.pdf)) |
| Jul 23, 2026 | [Sallie Mae](https://www.bankingnewsai.com/banks/sallie-mae) | Q2 2026 call and 10-Q: collections, not AI ([GuruFocus (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/slm-corp-slm-q2-2026-050144280.html), [SLM Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1032033/000103203326000042/slm-20260630.htm)) |

## How does SoFi Coach compare with other banks' AI assistants?

What each bank has published about its customer-facing assistant. Scale figures use different units and dates, so they rank disclosure, not quality; 'not published' means no figure is on the record.

| Bank | Assistant | Launched | Scale disclosed | What it does |
| --- | --- | --- | --- | --- |
| SoFi | SoFi Coach | June 2, 2026 (SoFi Plus); wide rollout July 2026 | Nearly 500,000 conversations, over 90% positive feedback (July 29, 2026) | Chat-based guide built with SoFi's financial planners on SoFi and external account data via Relay; recommends actions the member must authorise; cannot trade or give investment, tax or legal advice ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1), [The Financial Brand](https://thefinancialbrand.com/news/banking-technology/how-sofis-coach-app-delivers-personalized-actionable-advice-and-drives-the-banks-expansion-plans-199145), [SEC (SoFi Technologies 8-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000050/a2026q2earningsrelease.htm), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/sofi-technologies-q2-earnings-call-170406461.html), [SoFi](https://www.sofi.com/coach/chat/)) |
| SoFi | Cyberbank Konecta (member support) | Integrated August 2023 | Handles 60% of conversations without human intervention (September 2025) | Galileo and Technisys conversational AI engine in SoFi's support chat, also sold to banks ([SoFi Tech Solutions (Galileo)](https://tech.sofi.com/news/galileos-ai-driven-intelligent-digital-assistant-cyberbank-konecta-enhances-sofi-member-experience/), [SoFi Tech Solutions](https://tech.sofi.com/blog/why-do-banking-chatbots-have-low-customer-satisfaction-rates)) |
| Capital One | Eno | March 2017 | Not published | Answers account questions in the app, online, by text and email; flags surprise charges and free-trial endings ([Reuters](https://www.reuters.com/article/technology/capital-one-launches-eno-gender-neutral-virtual-assistant-idUSKBN16H1RN), [Capital One](https://www.capitalone.com/digital/tools/eno/)) |
| Charles Schwab | Charley | Unveiled September 30, 2026; phased rollout from October 2026 | Tested by thousands of employees before launch | Answers questions and completes tasks such as transfers, payments and trading actions by voice or text, only at the client's direction and with confirmation ([Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Meet-Charley-Schwabs-New-AI-Powered-Assistant-Designed-to-Help-Clients-Get-Answers-and-Take-Action/default.aspx), [Traders Magazine](https://www.tradersmagazine.com/featured_articles/charles-schwabs-amy-ruegg-ai-can-make-investing-easier-but-human-expertise-remains-key/)) |
| American Express | AI search in the Amex app | Not dated | About one million inquiries a month for US Card Members (March 2026) | Natural-language search and a card-servicing chatbot ([American Express](https://www.americanexpress.com/en-us/newsroom/articles/financial-news/2026-chairman-s-letter-to-shareholders.html)) |
| Synchrony | ChatGPT plugin for Synchrony Marketplace | August 17, 2026 | Not published | Surfaces Synchrony Marketplace offers inside ChatGPT, part of an enterprise collaboration with OpenAI ([Synchrony (PR Newswire)](https://investors.synchrony.com/news-events/financial-news/detail/586/synchrony-announces-enterprise-collaboration-with-openai-to-power-the-next-era-of-agentic-commerce)) |

## How do SoFi's technology stack and AI model choices compare with its peers'?

Where each bank's AI comes from, as each has disclosed. SoFi reports a separate Technology Platform segment that sells processing and core banking to other firms.

| Bank | Stack and models | Since | Scale disclosed |
| --- | --- | --- | --- |
| SoFi | Owned Galileo processing and Technisys core; Cyberbank Konecta conversational AI; in-house merge-review bot on Claude via Amazon Bedrock in the mobile monorepo | 2020 (Galileo); 2022 (Technisys); July 2026 (engineering blog) | Two-million-line mobile migration done with LLM tools; 134.8 million Galileo accounts (June 30, 2026) ([Forbes](https://www.forbes.com/sites/jeffkauflin/2026/06/16/how-sofi-went-from-fintech-darling-to-wall-street-pariah/), [SoFi Tech Solutions (Galileo)](https://tech.sofi.com/news/galileos-ai-driven-intelligent-digital-assistant-cyberbank-konecta-enhances-sofi-member-experience/), [SoFi (engineering blog)](https://sofietyblog.sofi.com/leveraging-ai-for-executing-a-complex-mobile-migration), [SEC (SoFi Technologies 10-Q)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000054/sofi-20260630.htm)) |
| Ally Financial | Ally.ai, a proprietary layer over Microsoft's Azure OpenAI Service, with Ally's data in the Amazon cloud | September 2023 | Access for 10,000-plus employees; more than 6 million care calls streamlined in 2025 ([Ally Financial](https://media.ally.com/2023-09-19-Ally-launches-proprietary,-enterprise-AI-platform), [American Banker](https://americanbanker.com/news/how-sathish-muthukrishnan-keeps-allys-data-safe-from-gen-ai), [Ally Financial](https://media.ally.com/2025-07-23-Ally-Financial-rolls-out-proprietary-AI-platform-enterprise-wide), [Ally Financial](https://media.ally.com/image/Ally_2025AnnualReport_Final-accessible+%2B+10-K.pdf)) |
| Capital One | All in on AWS since 2020; generative models customised in-house from open-source LLMs | 2020 | Training set above 20 trillion tokens ([AWS](https://aws.amazon.com/solutions/case-studies/capital-one-all-in-on-aws/), [Capital One](https://www.capitalone.com/digital/gai-transparency/)) |
| Synchrony | Enterprise collaboration with OpenAI through ChatGPT Work, Codex and AWS Bedrock; Synchrony GPT internally | August 17, 2026 | Nearly 100% of the professional workforce has used AI tools since 2024 ([Synchrony (PR Newswire)](https://investors.synchrony.com/news-events/financial-news/detail/586/synchrony-announces-enterprise-collaboration-with-openai-to-power-the-next-era-of-agentic-commerce)) |
| Charles Schwab | Claude for Financial Advisors with Anthropic, linking RIAs to Schwab Advisor Center; AI tools for all employees | September 14, 2026 | 16,000-plus RIAs offered access; 8,000-plus technologists coding with AI ([Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-and-Anthropic-to-Bring-Claude-to-Independent-Registered-Investment-Advisors/default.aspx), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/schwab-schw-q1-2026-earnings-145425271.html)) |
| Axos Financial | Claude Enterprise for staff; Arc acquisition for client-facing AI | 2026 | More than 500 users; 90% of committed code written by AI (April 2026) ([Yahoo Finance](https://finance.yahoo.com/quote/AX/earnings/AX-Q3-2026-earnings_call-548685.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-axos-beats-q4-2026-estimates-as-shares-rise-after-hours-93CH-4826506)) |
| The Bancorp | First AI use case funded in 2025; AI tools named in its strategy | October 2025 | $300,000 invested; about $1.5 million of run-rate expense expected to be avoided ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q3-2025-misses-eps-forecast-revenue-beats-93CH-4324073), [The Bancorp, Inc. (SEC filing)](https://www.sec.gov/Archives/edgar/data/1295401/000129540126000002/tbbk-20251231x10k.htm)) |

## How does SoFi's fraud and credit AI compare with its peers'?

Results are each bank's or vendor's own figures, not audited and not measured the same way. Vendor claims are marked as such.

| Bank | Fraud or credit AI | Result disclosed | Date |
| --- | --- | --- | --- |
| SoFi | Oscilar for credit underwriting, collections and fraud decisioning; Poetic AI agents for fraud investigations; risk platform of seven products whose models often use over 600 data points per decision | Oscilar (vendor): 50% faster strategy deployment, 30%+ faster decisioning; Poetic (vendor): 99%+ quality in five weeks | April to June 2026 ([Oscilar (PR Newswire)](https://www.prnewswire.com/news-releases/oscilar-launches-agent-hub-the-first-unified-ai-agent-platform-spanning-fraud-compliance-credit-and-onboarding-302789709.html), [PR Newswire (Poetic)](https://www.prnewswire.com/news-releases/poetic-raises-50m-series-a-to-automate-the-worlds-most-complex-enterprise-processes-with-reliable-ai-302796939.html), [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/sofi-sofi-q1-2026-earnings-call-transcript/)) |
| SoFi | Personal Loan Doc Coach, AI that validates pay stubs in personal-loan applications | No figure given | April 29, 2026 ([SEC (SoFi Technologies 8-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000020/a2026q1earningsrelease.htm), [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/sofi-sofi-q1-2026-earnings-call-transcript/)) |
| Capital One | ProtectID fraud models scoring auto applications sent through Dealer Navigator | More than $120 million of potentially fraudulent applications prevented in 12 months | March 2026 ([Capital One](https://www.capitalone.com/about/newsroom/capital-one-auto-wins-two-2026-big-innovation-awards)) |
| Synchrony | PRISM credit-decisioning model with cashflow underwriting | Nearly 50,000 customers approved in 2025 who would otherwise have been declined | June 2026 ([American Banker](https://americanbanker.com/news/synchronys-prism-is-one-of-the-innovations-of-the-year-honoree)) |
| Sallie Mae | Nova Credit Income Navigator selected for private student loan underwriting; named a customer of Unit21's AI fraud and AML platform | No figure given; no go-live date | April and July 2026 ([Nova Credit (Business Wire)](https://finance.yahoo.com/small-business/articles/sallie-mae-selects-nova-credit-133000291.html), [Unit21 (Business Wire)](https://www.businesswire.com/news/home/20260403313048/en/Unit21-Appoints-Tyler-Allen-as-Chief-Executive-Officer-as-Company-Accelerates-AI-Risk-Infrastructure-Vision)) |
| The Bancorp | AI-supported narrative writing in financial crimes | No figure given | July 2026 ([The Motley Fool](https://www.fool.com/earnings/call-transcripts/2026/08/07/bancorp-tbbk-q2-2026-earnings-call-transcript/)) |

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

SoFi Technologies is compared here with Ally Financial, SLM Corporation (Sallie Mae), Capital One, American Express, Synchrony Financial, The Charles Schwab Corporation, Axos Financial and The Bancorp, Inc.: chosen by the editors for this page (see the note below the table). SoFi Technologies is classed as a digital or direct bank in the West.

SoFi is a branchless consumer lender, digital bank and brokerage with its own technology platform, so it is compared with the digital, card, student-loan and brokerage banks it competes with for members rather than with branch-based regional banks such as FNB, EverBank and Frost.

## Common questions

### Is SoFi better than Ally at AI?

The record cannot settle capability, but SoFi has put more on it: it scores 80.4 on this site's disclosure index against Ally's 76.5, with more use cases in production (14 against 9) and more dated moves in the last year. Ally has more independent coverage and named AI leaders, a published adoption figure (57% of full-time staff active AI users in 2025) and an American Banker Innovation of the Year for its Personas; SoFi has the customer-facing assistant, SoFi Coach. ([Ally Financial](https://media.ally.com/image/Ally_2025AnnualReport_Final-accessible+%2B+10-K.pdf), [American Banker](https://americanbanker.com/news/allys-personas-is-on-of-the-innovation-of-the-year-honorees), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1), [SEC (SoFi Technologies 8-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000050/a2026q2earningsrelease.htm))

### Which has the better AI assistant, SoFi Coach or Capital One's Eno?

They are different generations. Eno has run since March 2017 across the app, web, text and email but Capital One has published no usage figure for it. SoFi Coach is a generative, chat-based guide launched in June 2026 that reached nearly 500,000 conversations with over 90% positive feedback by July 29, 2026; SoFi says it will move from guidance to actions, starting with automated subscription management later in 2026. ([Reuters](https://www.reuters.com/article/technology/capital-one-launches-eno-gender-neutral-virtual-assistant-idUSKBN16H1RN), [Capital One](https://www.capitalone.com/digital/tools/eno/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1), [SEC (SoFi Technologies 8-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000050/a2026q2earningsrelease.htm), [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/08/07/sofi-sofi-q2-2026-earnings-call-transcript/))

### How does SoFi Coach compare with Schwab's Charley?

Charley, unveiled September 30, 2026, can complete tasks such as transfers, payments and trading actions at the client's direction and with confirmation. SoFi Coach, live since June 2026, recommends actions that the member must authorise, and its FAQ says it cannot trade or give investment, tax or legal advice. SoFi has published usage (nearly 500,000 conversations by late July 2026); Schwab had not by October 2026. ([Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Meet-Charley-Schwabs-New-AI-Powered-Assistant-Designed-to-Help-Clients-Get-Answers-and-Take-Action/default.aspx), [Traders Magazine](https://www.tradersmagazine.com/featured_articles/charles-schwabs-amy-ruegg-ai-can-make-investing-easier-but-human-expertise-remains-key/), [SoFi](https://www.sofi.com/coach/chat/), [The Financial Brand](https://thefinancialbrand.com/news/banking-technology/how-sofis-coach-app-delivers-personalized-actionable-advice-and-drives-the-banks-expansion-plans-199145), [SEC (SoFi Technologies 8-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000050/a2026q2earningsrelease.htm))

### How does SoFi compare with Sallie Mae on AI in student lending?

Sallie Mae's 10-K names SoFi among its primary competitors in private education loans. On AI, Sallie Mae scores 45.7 on this site's index against SoFi's 80.4; its record centres on a February 2026 technology and enablement hire and a vendor selection for income verification in underwriting. SoFi's lending AI on the record is Personal Loan Doc Coach and Oscilar credit decisioning; neither is described as specific to student loans. ([SLM Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1032033/000103203326000011/slm-20251231.htm), [Sallie Mae](https://news.salliemae.com/news-releases/news-releases-details/2026/Sallie-Mae-Names-Steve-Turner-Chief-Technology-and-Enablement-Officer/default.aspx), [Nova Credit (Business Wire)](https://finance.yahoo.com/small-business/articles/sallie-mae-selects-nova-credit-133000291.html), [SEC (SoFi Technologies 8-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000020/a2026q1earningsrelease.htm), [Oscilar (PR Newswire)](https://www.prnewswire.com/news-releases/oscilar-launches-agent-hub-the-first-unified-ai-agent-platform-spanning-fraud-compliance-credit-and-onboarding-302789709.html))

### Does SoFi build its own AI or buy it?

Both. It owns Galileo and Technisys, including the Cyberbank Konecta conversational AI engine it runs in member support and sells to banks, and built SoFi Coach with its financial planners. It buys risk AI from vendors (Oscilar for credit decisioning, Poetic for fraud investigations, Socure for identity) and uses Anthropic's Claude via Amazon Bedrock for code review. It acquired Composer, now Composer by SoFi, in 2026. ([SoFi Tech Solutions (Galileo)](https://tech.sofi.com/news/galileos-ai-driven-intelligent-digital-assistant-cyberbank-konecta-enhances-sofi-member-experience/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1), [Oscilar (PR Newswire)](https://www.prnewswire.com/news-releases/oscilar-launches-agent-hub-the-first-unified-ai-agent-platform-spanning-fraud-compliance-credit-and-onboarding-302789709.html), [PR Newswire (Poetic)](https://www.prnewswire.com/news-releases/poetic-raises-50m-series-a-to-automate-the-worlds-most-complex-enterprise-processes-with-reliable-ai-302796939.html), [Socure](https://www.socure.com/news-and-press/socures-first-party-fraud-consortium-achieves-unprecedented-scale), [SoFi (engineering blog)](https://sofietyblog.sofi.com/leveraging-ai-for-executing-a-complex-mobile-migration), [SEC (SoFi Technologies 10-Q)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000054/sofi-20260630.htm))

### Why does SoFi rank fourth in its peer group on AI disclosure?

This site's index puts 45% of the weight on independent coverage, where SoFi has 15 sources against 30 for American Express and 25 for Capital One. SoFi is second in the group on dated moves in the last 12 months and on use cases in production, but fifth on named AI leaders and independent sources, and it sits close to level with Charles Schwab on the overall score. The score measures what is on the record, not capability. ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1), [Banking Dive](https://www.bankingdive.com/news/sofi-bank-ai-adviser-coach-financial-planning/822329/), [The Financial Brand](https://thefinancialbrand.com/news/banking-technology/how-sofis-coach-app-delivers-personalized-actionable-advice-and-drives-the-banks-expansion-plans-199145))

### How does SoFi compare with American Express on AI?

Amex has put more on the record: it scores 93.1 to SoFi's 80.4, with twice the independent coverage. Its focus is agentic commerce: the ACE developer kit and Amex Agent Purchase Protection launched in April 2026, and AI search in its app answers about one million inquiries a month. SoFi's focus is a member-facing guide, SoFi Coach, and AI-assisted investing through Composer by SoFi. ([American Express](https://www.americanexpress.com/en-us/newsroom/articles/innovation/american-express-debuts-agentic-commerce-experiences--ace--devel.html), [American Express](https://www.americanexpress.com/en-us/newsroom/articles/financial-news/2026-chairman-s-letter-to-shareholders.html), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606230800BIZWIRE_USPRX____20260623_BW095057-1))

## Peers on this site

- [Ally Financial AI strategy](https://www.bankingnewsai.com/banks/ally) · [vs peers](https://www.bankingnewsai.com/banks/ally/vs-peers)
- [SLM Corporation (Sallie Mae) AI strategy](https://www.bankingnewsai.com/banks/sallie-mae) · [vs peers](https://www.bankingnewsai.com/banks/sallie-mae/vs-peers)
- [Capital One AI strategy](https://www.bankingnewsai.com/banks/capital-one) · [vs peers](https://www.bankingnewsai.com/banks/capital-one/vs-peers)
- [American Express AI strategy](https://www.bankingnewsai.com/banks/american-express) · [vs peers](https://www.bankingnewsai.com/banks/american-express/vs-peers)
- [Synchrony Financial AI strategy](https://www.bankingnewsai.com/banks/synchrony) · [vs peers](https://www.bankingnewsai.com/banks/synchrony/vs-peers)
- [The Charles Schwab Corporation AI strategy](https://www.bankingnewsai.com/banks/charles-schwab) · [vs peers](https://www.bankingnewsai.com/banks/charles-schwab/vs-peers)
- [Axos Financial AI strategy](https://www.bankingnewsai.com/banks/axos) · [vs peers](https://www.bankingnewsai.com/banks/axos/vs-peers)
- [The Bancorp, Inc. AI strategy](https://www.bankingnewsai.com/banks/the-bancorp) · [vs peers](https://www.bankingnewsai.com/banks/the-bancorp/vs-peers)

## Sources

1. How SoFi Went From Fintech Darling To Wall Street Pariah — Forbes, Jun 16, 2026. https://www.forbes.com/sites/jeffkauflin/2026/06/16/how-sofi-went-from-fintech-darling-to-wall-street-pariah/
2. Galileo's AI-Driven Intelligent Digital Assistant Cyberbank Konecta Enhances SoFi Member Experience — SoFi Tech Solutions (Galileo), Aug 8, 2023. https://tech.sofi.com/news/galileos-ai-driven-intelligent-digital-assistant-cyberbank-konecta-enhances-sofi-member-experience/
3. SoFi Tech Platform Drives Revenue Growth, Expands Beyond Financial Services in Q2 — SoFi Tech Solutions, Jul 30, 2025. https://tech.sofi.com/news/sofi-tech-platform-q2-growth/
4. Introducing SoFi Coach: An AI-Powered Financial Guide to Help Members Get Their Money Right — Business Wire via FT Markets, Jun 2, 2026. https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1
5. SoFi second-quarter 2026 earnings release (8-K Exhibit 99.1) — SEC (SoFi Technologies 8-K), Jul 29, 2026. https://www.sec.gov/Archives/edgar/data/1818874/000181887426000050/a2026q2earningsrelease.htm
6. SoFi Technologies Q2 Earnings Call Highlights — Yahoo Finance, Jul 29, 2026. https://finance.yahoo.com/markets/stocks/articles/sofi-technologies-q2-earnings-call-170406461.html
7. Eno, your Capital One assistant — Capital One, Sep 19, 2026. https://www.capitalone.com/digital/tools/eno/
8. Meet Charley, Schwab's New AI-Powered Assistant Designed to Help Clients Get Answers and Take Action — Charles Schwab, Sep 30, 2026. https://pressroom.aboutschwab.com/press-releases/press-release/2026/Meet-Charley-Schwabs-New-AI-Powered-Assistant-Designed-to-Help-Clients-Get-Answers-and-Take-Action/default.aspx
9. Introducing Composer by SoFi: AI-Powered Investing From Idea to Execution — Business Wire via FT Markets, Jun 23, 2026. https://markets.ft.com/data/announce/full?dockey=600-202606230800BIZWIRE_USPRX____20260623_BW095057-1
10. SoFi Technologies, Inc. Annual Report on Form 10-K for 2025 — SEC (SoFi Technologies 10-K), Feb 17, 2026. https://www.sec.gov/Archives/edgar/data/1818874/000181887426000013/sofi-20251231.htm
11. Ally Financial 2025 Annual Report (CEO letter and Form 10-K) — Ally Financial, Mar 17, 2026. https://media.ally.com/image/Ally_2025AnnualReport_Final-accessible+%2B+10-K.pdf
12. SoFi Technologies, Inc. Quarterly Report on Form 10-Q, quarter ended 30 June 2026 — SEC (SoFi Technologies 10-Q), Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/1818874/000181887426000054/sofi-20260630.htm
13. How SoFi's 'Coach' App Delivers Personalized, Actionable Advice — and Drives the Bank's Expansion Plans — The Financial Brand, Aug 21, 2026. https://thefinancialbrand.com/news/banking-technology/how-sofis-coach-app-delivers-personalized-actionable-advice-and-drives-the-banks-expansion-plans-199145
14. Ally launches proprietary, enterprise AI platform — Ally Financial, Sep 19, 2023. https://media.ally.com/2023-09-19-Ally-launches-proprietary,-enterprise-AI-platform
15. Synchrony Announces Enterprise Collaboration with OpenAI to Power the Next Era of Agentic Commerce — Synchrony (PR Newswire), Aug 17, 2026. https://investors.synchrony.com/news-events/financial-news/detail/586/synchrony-announces-enterprise-collaboration-with-openai-to-power-the-next-era-of-agentic-commerce
16. SoFi targets bank deposits with consumer-facing AI — American Banker, Oct 28, 2025. https://americanbanker.com/news/sofi-targets-bank-deposits-with-consumer-facing-ai
17. SoFi first-quarter 2026 earnings release (8-K Exhibit 99.1) — SEC (SoFi Technologies 8-K), Apr 29, 2026. https://www.sec.gov/Archives/edgar/data/1818874/000181887426000020/a2026q1earningsrelease.htm
18. SoFi Becomes First National Bank to Go Live with Stablecoin Settlement across Mastercard's Global Payments Network — Business Wire via FT Markets, Sep 22, 2026. https://markets.ft.com/data/announce/full?dockey=600-202609220800BIZWIRE_USPRX____20260922_BW545634-1
19. Why Your Bank's Chatbot Isn't Working (And What Comes Next) — SoFi Tech Solutions, Jul 14, 2025. https://tech.sofi.com/blog/why-your-banks-chatbot-isnt-working-and-what-comes-next
20. Oscilar Launches Agent Hub, the First Unified AI Agent Platform Spanning Fraud, Compliance, Credit, and Onboarding — Oscilar (PR Newswire), Jun 3, 2026. https://www.prnewswire.com/news-releases/oscilar-launches-agent-hub-the-first-unified-ai-agent-platform-spanning-fraud-compliance-credit-and-onboarding-302789709.html
21. Poetic Raises $50M Series A to Automate the World's Most Complex Enterprise Processes with Reliable AI — PR Newswire (Poetic), Jun 10, 2026. https://www.prnewswire.com/news-releases/poetic-raises-50m-series-a-to-automate-the-worlds-most-complex-enterprise-processes-with-reliable-ai-302796939.html
22. Schwab (SCHW) Q1 2026 Earnings Call Transcript — The Motley Fool (Yahoo Finance), Apr 16, 2026. https://finance.yahoo.com/markets/stocks/articles/schwab-schw-q1-2026-earnings-145425271.html
23. Axos (AX) Q3 2026 Earnings Call Transcript — The Motley Fool (Yahoo Finance), Apr 30, 2026. https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html
24. What SoFi learned testing its AI adviser Coach — Banking Dive, Jun 9, 2026. https://www.bankingdive.com/news/sofi-bank-ai-adviser-coach-financial-planning/822329/
25. SoFi Teaches Its AI Coach to Read the Financial Room — PYMNTS, Aug 14, 2026. https://pymnts.com/news/artificial-intelligence/2026/sofi-teaches-its-ai-coach-to-read-the-financial-room
26. Capital One Auto earns two 2026 BIG Innovation Awards (Chat Concierge and ProtectID) — Capital One, Mar 12, 2026. https://www.capitalone.com/about/newsroom/capital-one-auto-wins-two-2026-big-innovation-awards
27. Synchrony's underwriting model gets a big boost from deeper cashflow analysis — American Banker, Jun 1, 2026. https://americanbanker.com/news/synchronys-prism-is-one-of-the-innovations-of-the-year-honoree
28. Chime Financial, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Chime via SEC EDGAR, Mar 6, 2026. https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm
29. American Express Debuts Agentic Commerce Experiences (ACE)™ Developer Kit and Announces Industry-First Protection for Registered Agent Purchases — American Express, Apr 14, 2026. https://www.americanexpress.com/en-us/newsroom/articles/innovation/american-express-debuts-agentic-commerce-experiences--ace--devel.html
30. American Express to Acquire Hyper, Adding to Its AI Expertise and Expense Management Capabilities — American Express via FT Markets, Apr 16, 2026. https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604160915BIZWIRE_USPRX____20260415_BW433431-1
31. Amex tries to 'grease the skids' for agentic commerce — American Banker, Apr 14, 2026. https://www.americanbanker.com/payments/news/amex-introduces-agentic-commerce-developers-kit
32. AI for Car Dealerships: Smarter Car Shopping — Capital One, Mar 5, 2025. https://www.capitalone.com/tech/ai/future-of-ai-car-dealerships-shopping
33. Capital One's Applied AI research — Capital One, Nov 20, 2025. https://www.capitalone.com/tech/ai/applied-ai-research
34. Goldman Sachs, Capital One prep for self-driving AI agents — American Banker, Feb 20, 2025. https://www.americanbanker.com/news/goldman-sachs-capital-one-prep-for-self-driving-ai-agents
35. Charles Schwab Launches AI-Powered Capability That Helps Investors Understand Portfolio Performance and Market Activity — Charles Schwab, May 5, 2026. https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-Launches-AI-Powered-Capability-That-Helps-Investors-Understand-Portfolio-Performance-and-Market-Activity/default.aspx
36. AI on the other end of the line (but you're not talking to a computer) — Charles Schwab, Feb 5, 2025. https://www.aboutschwab.com/mss/story/ai-on-the-other-end-of-the-line
37. Schwab Study Reveals RIA AI Adoption More Than Doubles - But Most Firms Still in Early Stages — Charles Schwab, Jan 22, 2026. https://pressroom.aboutschwab.com/press-releases/press-release/2026/Schwab-Study-Reveals-RIA-AI-Adoption-More-Than-Doubles---But-Most-Firms-Still-in-Early-Stages/default.aspx
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