# The Bancorp, Inc. vs peers: AI and technology compared

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

*Part of the [The Bancorp, Inc. AI strategy profile](https://www.bankingnewsai.com/banks/the-bancorp). Peer group: Customers Bancorp, Axos Financial, Live Oak Bancshares, SoFi Technologies, Bread Financial Holdings, Synchrony Financial, Ally Financial.*

## How does The Bancorp, Inc. compare with its peers on AI and technology?

On this site's AI disclosure index The Bancorp scores 21.3 (#96 of 120 US banks), last in an eight-bank group of partner-driven and digital banks led by SoFi (80.4), Ally (76.5) and Customers (75.5). Unusually for its size, it writes AI into its strategy: its 2025 10-K, filed February 25, 2026, lists 'Develop AI tools to Increase Efficiency' among its goals. Its one detailed use case is in financial crimes: an in-house tool that cuts the writing of narratives, built for $300,000 against about $1.5 million of run-rate expense the bank expected to avoid as volumes grow (October 31, 2025), which the CEO called 'the first of many'. On September 4, 2026 it cut 64 filled positions, 9% of the workforce, saying it would expand automation and AI, for about $14 million of annualized savings. The peers have more on the record. Customers works with OpenAI engineers on site, says 75% of staff use OpenAI tools and counts 28,000 hours saved; Axos says AI writes 90% of its committed code; Synchrony named a chief AI officer on June 30, 2026. The Bancorp's EVP and CIO Matt Wallace, who led its AI programs, left for PCBB in April 2026, and no AI officer is named in its filings. Its AI also faces a business test: Chime, a sponsor-bank customer, agreed on September 8, 2026 to buy Stride Bank, and American Banker linked that news to a 21.7% fall in Bancorp's shares. ([The Bancorp, Inc. (SEC filing)](https://www.sec.gov/Archives/edgar/data/1295401/000129540126000002/tbbk-20251231x10k.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q3-2025-misses-eps-forecast-revenue-beats-93CH-4324073), [The Bancorp (Business Wire via Yahoo Finance)](https://finance.yahoo.com/small-business/articles/bancorp-advances-apex-2030-continued-200500324.html), [American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html), [Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [PCBB (GlobeNewswire)](https://globenewswire.com/news-release/2026/04/21/3278224/0/en/PCBB-Appoints-Matt-Wallace-as-EVP-Chief-Information-Officer.html), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank), [American Banker](https://americanbanker.com/payments/news/how-the-banking-as-a-service-model-is-changing))

## Where does The Bancorp lead its peers on AI?

- **AI written into the stated strategy, which Live Oak and Bread frame as risk and governance.** The Bancorp's 2025 10-K lists developing AI tools to increase efficiency among its strategic goals, and its 2026 10-Qs say it is investing in AI tools for the productivity of its people and platform. Live Oak's 2025 10-K carries a dedicated AI risk factor and an evolving AI risk framework; Bread Financial says it set AI governance before choosing use cases. ([The Bancorp, Inc. (SEC filing)](https://www.sec.gov/Archives/edgar/data/1295401/000129540126000002/tbbk-20251231x10k.htm), [The Bancorp, Inc. (SEC filing)](https://www.sec.gov/Archives/edgar/data/1295401/000129540126000004/tbbk-20260331x10q.htm), [The Bancorp, Inc. (SEC filing)](https://www.sec.gov/Archives/edgar/data/1295401/000162828026054157/tbbk-20260630.htm), [Live Oak Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/1462120/000146212026000020/lob-20251231.htm), [Investing.com](https://investing.com/news/transcripts/bread-financial-at-bank-of-america-conference-strategic-growth-and-innovation-93CH-4498295))
- **An AI tool with its cost and payback on the record, which Synchrony does not give.** The Bancorp disclosed a $300,000 build for its financial-crimes narrative tool against about $1.5 million of run-rate expense avoided (October 2025). Synchrony's CFO says token costs are not material and that a FinOps team is still building a framework to measure AI licence, token and credit costs (July 2026). ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q3-2025-misses-eps-forecast-revenue-beats-93CH-4324073), [Investing.com](https://ng.investing.com/news/transcripts/earnings-call-transcript-synchrony-beats-q2-2026-eps-forecast-as-sales-hit-record-93CH-2609405))
- **A growing partner-payments platform while SoFi's Galileo shrinks.** The Bancorp's prepaid and debit gross dollar volume rose 17% to $178.21 billion in 2025, and 91% of its deposits came from Fintech Solutions at December 31, 2025. SoFi's technology platform, which sells Galileo processing to other fintechs, reported Galileo accounts down to 134.8 million from 160.0 million and segment revenue down 23% in Q2 2026. ([The Bancorp, Inc. (SEC filing)](https://www.sec.gov/Archives/edgar/data/1295401/000129540126000002/tbbk-20251231x10k.htm), [SEC (SoFi Technologies 10-Q)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000054/sofi-20260630.htm))

## Where does The Bancorp trail its peers on AI?

- **No AI leader since its CIO left, while Synchrony and Ally name theirs.** Matt Wallace, The Bancorp's EVP and CIO, who led AI programs, robotic process automation, fraud management and data science, joined PCBB as CIO in April 2026; the 2026 proxy places IT under COO Greg Garry and names no AI officer. Synchrony named Nimrod Barak chief AI officer on June 30, 2026, and Ally runs layered AI governance up to its board. ([PCBB (GlobeNewswire)](https://globenewswire.com/news-release/2026/04/21/3278224/0/en/PCBB-Appoints-Matt-Wallace-as-EVP-Chief-Information-Officer.html), [The Bancorp, Inc. (SEC filing)](https://www.sec.gov/Archives/edgar/data/1295401/000110465926042670/tm268211-1_def14a.htm), [Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [Ally Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/40729/000119312526113819/ally-20260318.htm))
- **Fewest AI use cases in production in the group.** The Bancorp ranks last of eight on use cases in production (4, against a group median of 10) and on own primary disclosures (6, median 16). Customers reports 500-plus employee-built agents and models, call-center scoring 85% more efficient and 28,000 hours saved; Live Oak reports more than 640 employee-built agents and skills. ([American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-live-oak-bancshares-tops-q2-2026-estimates-93CH-4809313))
- **No disclosed AI in engineering, where Axos reports 90%.** The Bancorp describes AI for financial-crimes narratives, legal contracts and general productivity but nothing on software development. Axos said on its fiscal third-quarter 2026 call that AI writes 90% of committed code and that technical AI users rose 37% in calendar 2026. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q2-2025-revenue-surges-stock-drops-93CH-4153952), [The Motley Fool](https://www.fool.com/earnings/call-transcripts/2026/08/07/bancorp-tbbk-q2-2026-earnings-call-transcript/), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html))
- **Partner concentration weighs more than AI.** At December 31, 2025 The Bancorp's top three fintech partners held $3.83 billion, 47% of its deposits. Chime's September 2026 agreement to buy Stride Bank shows the risk its peer Coastal names in its own 10-K: partners 'obtaining their own bank charters' and needing no third-party bank. ([The Bancorp, Inc. (SEC filing)](https://www.sec.gov/Archives/edgar/data/1295401/000129540126000002/tbbk-20251231x10k.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank), [Coastal Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1437958/000143795826000013/ck1437958-20251231.htm))

## Where does The Bancorp 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [SoFi Technologies](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)) |
| [Customers Bancorp](https://www.bankingnewsai.com/banks/customers) | [75.5](https://www.bankingnewsai.com/banks/ai-index) | #29 of 120 | [13](https://www.bankingnewsai.com/banks/customers#sources) | [20](https://www.bankingnewsai.com/banks/customers#sources) | [11 of 16](https://www.bankingnewsai.com/banks/customers#where) | [23](https://www.bankingnewsai.com/banks/customers#timeline) | OpenAI strategic collaboration, AI Innovation Lab and cubiX payments network ([Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bancorp](https://customersbank.com/pdf/260122-presentation.pdf), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026)) |
| [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)) |
| [Live Oak Bancshares](https://www.bankingnewsai.com/banks/live-oak) | [53.1](https://www.bankingnewsai.com/banks/ai-index) | #54 of 120 | [10](https://www.bankingnewsai.com/banks/live-oak#sources) | [15](https://www.bankingnewsai.com/banks/live-oak#sources) | [6 of 10](https://www.bankingnewsai.com/banks/live-oak#where) | [16](https://www.bankingnewsai.com/banks/live-oak#timeline) | Casca AI loan origination (Live Oak Express) ([Live Oak Bancshares (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/08/19/3135818/36594/en/Live-Oak-Ventures-Participates-in-Financing-of-Cascading-AI-Inc.html), [American Banker](https://www.americanbanker.com/news/huntington-live-oak-to-invest-in-deploy-gen-ai-based-lending), [American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-inc-q2-123000999.html)) |
| [Bread Financial Holdings](https://www.bankingnewsai.com/banks/bread-financial) | [50.5](https://www.bankingnewsai.com/banks/ai-index) | #57 of 120 | [10](https://www.bankingnewsai.com/banks/bread-financial#sources) | [12](https://www.bankingnewsai.com/banks/bread-financial#sources) | [10 of 12](https://www.bankingnewsai.com/banks/bread-financial#where) | [12](https://www.bankingnewsai.com/banks/bread-financial#timeline) | In-house agentic AI platform and AI knowledge-management tool ([Fortune](https://fortune.com/2026/04/08/amid-the-saaspocalypse-cios-and-ctos-take-a-harder-line-with-their-vendors), [Bread Financial Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1101215/000110121526000016/bfh-20251231.htm)) |
| [The Bancorp, Inc. (this page)](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 The Bancorp ahead of or behind its peers?

Each row is one input of the index, counted on the profiles of The Bancorp and the 7 peers that are scored on the same basis. "Place" is The Bancorp's position in the group of 8 (1st = most).

| Component (weight) | The Bancorp | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 5 | 12 | [Ally (22)](https://www.bankingnewsai.com/banks/ally) | 8th of 8 |
| Use cases in production (10%) | 4 | 10 | [SoFi (14)](https://www.bankingnewsai.com/banks/sofi) | 8th of 8 |
| Own primary disclosures (10%) | 6 | 16 | [Customers Bank (20)](https://www.bankingnewsai.com/banks/customers) | 8th of 8 |
| Dated moves, last 12 months (10%) | 15 | 20 | [SoFi (28)](https://www.bankingnewsai.com/banks/sofi) | 7th of 8 |
| Disclosed numbers (5%) | 12 | 17 | [Customers Bank (23)](https://www.bankingnewsai.com/banks/customers) | 8th of 8 |
| Named AI leaders (5%) | 4 | 10 | [Ally (14)](https://www.bankingnewsai.com/banks/ally) | 7th of 8 |
| Use cases described (5%) | 10 | 13 | [SoFi (17)](https://www.bankingnewsai.com/banks/sofi) | 7th of 8 |

## What has each bank in The Bancorp'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 |
| --- | --- | --- | --- | --- | --- |
| [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) |
| [Customers Bancorp](https://www.bankingnewsai.com/banks/customers) | OpenAI strategic collaboration, AI Innovation Lab and cubiX payments network ([Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bancorp](https://customersbank.com/pdf/260122-presentation.pdf), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026)) | [7, incl. Sam Sidhu (President and CEO, Customers Bancorp)](https://www.bankingnewsai.com/banks/customers#people) ([American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026), [The Motley Fool via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/cubi-q1-2026-earnings-transcript-164432008.html), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000053/annualreviewletterwithap.htm)) | Hours saved by AI workflows (Q1 2026): 28,000 (≈ 15 FTE) (Apr 27, 2026) ([American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/customers#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) |
| [Live Oak Bancshares](https://www.bankingnewsai.com/banks/live-oak) | Casca AI loan origination (Live Oak Express) ([Live Oak Bancshares (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/08/19/3135818/36594/en/Live-Oak-Ventures-Participates-in-Financing-of-Cascading-AI-Inc.html), [American Banker](https://www.americanbanker.com/news/huntington-live-oak-to-invest-in-deploy-gen-ai-based-lending), [American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-inc-q2-123000999.html)) | [8, incl. James S. (Chip) Mahan III (Chairman and CEO)](https://www.bankingnewsai.com/banks/live-oak#people) ([Live Oak Bancshares (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/08/19/3135818/36594/en/Live-Oak-Ventures-Participates-in-Financing-of-Cascading-AI-Inc.html), [Live Oak Bancshares (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/22/3331734/36594/en/Live-Oak-Bancshares-Inc-Reports-Second-Quarter-2026-Results.html)) | Employee-built AI agents: More than 300 (Apr 23, 2026) ([Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-inc-q1-123000818.html)) | 2 patents listed on the profile, e.g. US 2025/0370791 A1 (Dynamic task generation engine) ([Google Patents (USPTO)](https://patents.google.com/patent/US20250370791A1/en)) | Not surveyed |
| [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) |
| [Bread Financial Holdings](https://www.bankingnewsai.com/banks/bread-financial) | In-house agentic AI platform and AI knowledge-management tool ([Fortune](https://fortune.com/2026/04/08/amid-the-saaspocalypse-cios-and-ctos-take-a-harder-line-with-their-vendors), [Bread Financial Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1101215/000110121526000016/bfh-20251231.htm)) | [4, incl. Ralph Andretta (President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/bread-financial#people) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bread-financial-tops-q2-2026-estimates-on-strong-credit-sales-93CH-4809145)) | Customer calls reviewed with AI: 100% of calls, versus a sample of 2% to 3% before (Sep 9, 2025) ([Investing.com](https://investing.com/news/transcripts/bread-financial-at-barclays-conference-strategic-moves-and-market-insights-93CH-4231903)) | 1 patent listed on the profile, e.g. US 2024/0403876 A1 (Sub-merchant identification number ingestion) ([Google Patents (USPTO)](https://patents.google.com/patent/US20240403876A1/en)) | Not surveyed |
| [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 |
| [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) |

## What are the latest dated moves on the AI record of The Bancorp 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 8, 2026 | [Live Oak](https://www.bankingnewsai.com/banks/live-oak) | Glia names Live Oak a Catalyst Awards Pacesetter ([Glia (Business Wire via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/4-banks-credit-unions-recognized-134500710.html)) |
| 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 | [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 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)) |
| Aug 12, 2026 | [Bread Financial](https://www.bankingnewsai.com/banks/bread-financial) | Bread Financial joins the Agentic AI Foundation as a Silver member ([PR Newswire via Morningstar](https://www.morningstar.com/news/pr-newswire/20260812dc25298/agentic-ai-foundation-welcomes-57-new-members-gaining-major-financial-services-players-and-apac-leaders)) |
| Aug 7, 2026 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | Q2 2026 10-Q: no AI language ([Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000095/cubi-20260630.htm), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000068/cubi-20260331.htm)) |
| Aug 4, 2026 | [Live Oak](https://www.bankingnewsai.com/banks/live-oak) | Q2 10-Q lists AI deployment risk among forward-looking factors ([Live Oak Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/1462120/000146212026000058/lob-20260630.htm)) |
| Jul 28, 2026 | [Bread Financial](https://www.bankingnewsai.com/banks/bread-financial) | Q2 10-Q: continued AI investment, agentic commerce as a competitive risk ([Bread Financial Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1101215/000110121526000074/bfh-20260630.htm)) |
| Jul 24, 2026 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | Q2 2026 call: underwriting, KYC and close-cycle results ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-customers-bancorp-posts-strong-q2-2026-growth-93CH-4812021)) |

## How does The Bancorp's AI compare with other partner-driven and digital banks?

What each bank in the group has put on the record about AI in use, who owns it and the main number disclosed. A blank means nothing is disclosed, not that nothing exists.

| Bank | AI in use | Who owns AI | Figure disclosed |
| --- | --- | --- | --- |
| The Bancorp | Financial-crimes narrative tool; AI for legal contracts and general productivity | Not named; IT under COO Greg Garry | $300,000 build against about $1.5 million of run-rate expense avoided (October 2025) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q3-2025-misses-eps-forecast-revenue-beats-93CH-4324073), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q2-2025-revenue-surges-stock-drops-93CH-4153952), [The Bancorp, Inc. (SEC filing)](https://www.sec.gov/Archives/edgar/data/1295401/000110465926042670/tm268211-1_def14a.htm)) |
| Customers | OpenAI collaboration with engineers on site; AI Innovation Lab; AI KYC and OFAC clearing pilots | CEO Sam Sidhu sets the 'AI native bank' goal | 75% of staff use OpenAI tools; 28,000 hours saved; 500-plus employee-built agents ([American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm)) |
| Axos | Enterprise AI assistant; OutSystems Agent Workbench agents; Arc's 'Archie' CFO agent (acquired July 2026) | Not named | AI writes 90% of committed code; 500-plus staff on the enterprise assistant ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html), [Axos Financial](https://investors.axosfinancial.com/news-events/press-releases/news-details/2026/Axos-Financial-Inc--to-Acquire-Arc-Technologies-Inc-/default.aspx)) |
| Live Oak | AI-native SBA origination (Casca); Claude Enterprise testing | CIDO Renato Derraik | More than 640 employee-built agents and skills; 150 'Claude super users' (Q2 2026) ([American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-live-oak-bancshares-tops-q2-2026-estimates-93CH-4809313), [Live Oak Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/1462120/000146212026000020/lob-20251231.htm)) |
| SoFi | SoFi Coach and Cash Coach for members; Composer by SoFi | Not covered here | 15.8 million members (Q2 2026) ([Banking Dive](https://www.bankingdive.com/news/sofi-bank-ai-adviser-coach-financial-planning/822329/), [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/detail?dockey=600-202607290700BIZWIRE_USPRX____20260729_BW569583-1)) |
| Synchrony | Synchrony GPT; OpenAI models via ChatGPT Work, Codex and AWS Bedrock (August 2026) | Chief AI officer Nimrod Barak (June 30, 2026) | Nearly 100% of the professional workforce has used AI tools ([Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [American Banker](https://americanbanker.com/news/synchronys-carol-juel-is-29-on-the-most-innovative-people-in-finance-ranking)) |
| Bread Financial | In-house agentic platform; AI knowledge management for customer care | Not named | More than 200 machine learning models in the business (Q4 2025 call) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bread-financial-q4-2025-beats-eps-expectations-93CH-4481011), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bread-financial-q3-2025-reports-strong-earnings-beat-93CH-4305227)) |
| Ally | Ally.ai platform; six AI agent Personas | Layered governance up to the board | Personas launched Q4 2025 with three times the usual digital engagement in early tests ([Ally Financial](https://media.ally.com/2025-07-23-Ally-Financial-rolls-out-proprietary-AI-platform-enterprise-wide), [American Banker](https://americanbanker.com/news/allys-personas-is-on-of-the-innovation-of-the-year-honorees), [Ally Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/40729/000119312526113819/ally-20260318.htm)) |

## How does The Bancorp tie AI to costs and headcount compared with its peers?

Where each bank has linked AI to expense, staffing or productivity, in its own words or numbers.

| Bank | Link between AI and cost | Number | Date |
| --- | --- | --- | --- |
| The Bancorp | Apex 2030 restructuring expands automation and AI while cutting roles | 64 filled positions (9%) cut, 16 roles left unfilled; about $14 million of annualized savings | September 4, 2026 ([The Bancorp (Business Wire via Yahoo Finance)](https://finance.yahoo.com/small-business/articles/bancorp-advances-apex-2030-continued-200500324.html)) |
| The Bancorp | Narrative tool helps manage financial-crimes headcount as volume grows | Fintech gross dollar volume up 22.5% year over year | Q2 2026 call ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/bancorp-inc-tbbk-q2-2026-190120101.html), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/bancorp-q2-earnings-call-highlights-130357747.html)) |
| Axos | AI-enabled development lets teams take on more projects without faster hiring or offshoring | 90% of committed code written by AI | 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html)) |
| Customers | Operationalizing AI at scale is a 2026 priority | 28,000 hours saved; loan account opening workflow cut 68% | 2026 ([American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal)) |
| Synchrony | A FinOps team building a framework to measure AI licence, token and credit costs | Token costs 'not material' | July 2026 ([Investing.com](https://ng.investing.com/news/transcripts/earnings-call-transcript-synchrony-beats-q2-2026-eps-forecast-as-sales-hit-record-93CH-2609405)) |

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

The Bancorp, Inc. is compared here with Customers Bancorp, Axos Financial, Live Oak Bancshares, SoFi Technologies, Bread Financial Holdings, Synchrony Financial and Ally Financial: chosen by the editors for this page (see the note below the table). The Bancorp, Inc. is classed as a digital or direct bank in the Southeast.

The computed group mixed in community banks from Pennsylvania, Colorado, Ohio, Oklahoma and Texas; The Bancorp earns its deposits and fees by issuing cards and accounts for fintech partners, so this group holds US banks whose business also runs through partners, platforms or national digital channels: Customers (cubiX and fintech payments), Axos, Live Oak, SoFi (Galileo), Bread Financial and Synchrony (partner card programs) and Ally.

## Common questions

### Does The Bancorp use AI?

Yes, and it says so in its strategy. The 2025 10-K lists developing AI tools to increase efficiency among its goals. The CEO has described an in-house tool for financial-crimes narratives, built for $300,000 and expected to avoid about $1.5 million of run-rate expense, plus AI for legal contracts and general productivity. No vendor or model is named. ([The Bancorp, Inc. (SEC filing)](https://www.sec.gov/Archives/edgar/data/1295401/000129540126000002/tbbk-20251231x10k.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q3-2025-misses-eps-forecast-revenue-beats-93CH-4324073), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q2-2025-revenue-surges-stock-drops-93CH-4153952))

### Is The Bancorp better than Customers Bancorp at AI?

The record cannot settle capability, but Customers has put far more on it: 75.5 on this site's index against The Bancorp's 21.3. Customers has OpenAI engineers on site, says 75% of staff use OpenAI tools, and reports 28,000 hours saved and a seven-day commercial loan close in a pilot. The Bancorp reports one detailed AI tool with its cost and payback. ([American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q3-2025-misses-eps-forecast-revenue-beats-93CH-4324073))

### How does The Bancorp compare with Pathward and Coastal on AI?

Neither has a profile on this site yet. Pathward's 10-K for fiscal 2025 discusses rapid developments in AI, including agentic AI, as a technology challenge, and Coastal's 2025 10-K says it uses AI and automation to support certain internal processes. Neither discloses a specific AI tool with numbers, as The Bancorp did for its financial-crimes narrative tool. ([Pathward Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/907471/000090747125000116/cash-20250930.htm), [Coastal Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1437958/000143795826000013/ck1437958-20251231.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q3-2025-misses-eps-forecast-revenue-beats-93CH-4324073))

### Who leads AI at The Bancorp?

No AI officer is named. CEO Damian Kozlowski sets and reports the AI agenda on earnings calls, and the 2026 proxy places Operations, Risk Management and IT under COO Greg Garry. Matt Wallace, the EVP and CIO who led AI programs, robotic process automation and data science, left for PCBB in April 2026. Synchrony, by contrast, named a chief AI officer in June 2026. ([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/1295401/000110465926042670/tm268211-1_def14a.htm), [PCBB (GlobeNewswire)](https://globenewswire.com/news-release/2026/04/21/3278224/0/en/PCBB-Appoints-Matt-Wallace-as-EVP-Chief-Information-Officer.html), [Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html))

### Did The Bancorp cut jobs because of AI?

Its September 4, 2026 Apex 2030 announcement cut 64 filled positions, 9% of the workforce, left 16 roles unfilled and said the bank would 'expand automation and artificial intelligence', for about $14 million of annualized savings. With a 2025 institutional-banking restructuring, it puts combined run-rate savings at over $20 million. It did not attribute a number of roles to AI. ([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))

### How does The Bancorp compare with SoFi on technology?

They sell technology to fintechs in different ways. The Bancorp issues cards and accounts as sponsor bank, with prepaid and debit gross dollar volume of $178.21 billion in 2025, up 17%. SoFi sells processing through Galileo, whose accounts fell to 134.8 million in Q2 2026, and builds consumer AI such as SoFi Coach for its own 15.8 million members. ([The Bancorp, Inc. (SEC filing)](https://www.sec.gov/Archives/edgar/data/1295401/000129540126000002/tbbk-20251231x10k.htm), [SEC (SoFi Technologies 10-Q)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000054/sofi-20260630.htm), [Banking Dive](https://www.bankingdive.com/news/sofi-bank-ai-adviser-coach-financial-planning/822329/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607290700BIZWIRE_USPRX____20260729_BW569583-1))

### How does The Bancorp compare with Axos on AI?

Axos scores 56.7 on this site's index against The Bancorp's 21.3. Axos says AI writes 90% of its committed code, more than 500 staff use an enterprise AI assistant, and it bought Arc Technologies, an AI-native cash management business with a CFO agent, in July 2026. The Bancorp's disclosed AI is a financial-crimes narrative tool and general productivity tools. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html), [Axos Financial](https://investors.axosfinancial.com/news-events/press-releases/news-details/2026/Axos-Financial-Inc--to-Acquire-Arc-Technologies-Inc-/default.aspx), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q3-2025-misses-eps-forecast-revenue-beats-93CH-4324073))

### How does The Bancorp's financial-crimes AI compare with Customers'?

Both apply AI to compliance work. The Bancorp's in-house tool reduces narrative writing in financial-crimes risk management and was meant to avoid about $1.5 million of run-rate expense as volumes grow. Customers reports sanctions screening 50% more accurate and is piloting AI to clear KYC and OFAC false positives, alongside its OpenAI collaboration. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q3-2025-misses-eps-forecast-revenue-beats-93CH-4324073), [American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026))

### What does The Bancorp's 10-K say about AI risk?

The 2025 10-K says AI use may not have the intended effect on efficiency or results, that the bank may rely on third-party AI models and how those parties build and train them, that model complexity limits transparency and raises bias risk, that generative models may output private or infringing information, and that cyber threats are evolving as a result of AI. ([The Bancorp, Inc. (SEC filing)](https://www.sec.gov/Archives/edgar/data/1295401/000129540126000002/tbbk-20251231x10k.htm))

## Peers on this site

- [Customers Bancorp AI strategy](https://www.bankingnewsai.com/banks/customers) · [vs peers](https://www.bankingnewsai.com/banks/customers/vs-peers)
- [Axos Financial AI strategy](https://www.bankingnewsai.com/banks/axos) · [vs peers](https://www.bankingnewsai.com/banks/axos/vs-peers)
- [Live Oak Bancshares AI strategy](https://www.bankingnewsai.com/banks/live-oak) · [vs peers](https://www.bankingnewsai.com/banks/live-oak/vs-peers)
- [SoFi Technologies AI strategy](https://www.bankingnewsai.com/banks/sofi) · [vs peers](https://www.bankingnewsai.com/banks/sofi/vs-peers)
- [Bread Financial Holdings AI strategy](https://www.bankingnewsai.com/banks/bread-financial) · [vs peers](https://www.bankingnewsai.com/banks/bread-financial/vs-peers)
- [Synchrony Financial AI strategy](https://www.bankingnewsai.com/banks/synchrony) · [vs peers](https://www.bankingnewsai.com/banks/synchrony/vs-peers)
- [Ally Financial AI strategy](https://www.bankingnewsai.com/banks/ally) · [vs peers](https://www.bankingnewsai.com/banks/ally/vs-peers)

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