What technology stack does Truist run on?
Truist's stack is the product of the 2019 BB&T and SunTrust merger. Rather than convert to one bank's systems, then-CIO Scott Case's team chose components ecosystem by ecosystem: BB&T's deposit platform, SunTrust's mortgage origination with BB&T servicing, and a deposits ecosystem of more than 100 applications. It built new mobile and online banking from scratch, plus a patent-pending 'digital straddle', a cloud and API layer that let clients of both heritage banks use one Truist app before the back-end conversions. The last and largest core conversion, moving nearly seven million SunTrust clients, ran over Presidents Day weekend in February 2022 and was followed by a jump in complaints. On cloud, consumer-technology CIO Ken Meyer said in March 2022 that 'most workloads' ran on AWS, with Microsoft in insurance and Google's Apigee for open banking; by January 2023 Truist had more than 250 cloud service provider accounts and a multicloud strategy. Data sits in Snowflake with Qlik managing the pipelines (June 2025), alongside the Zaloni Arena governance platform Truist bought in August 2022. CIO Steve Hagerman, in the role since October 2024 and running an organization of more than 10,000 full-time employees, spent his first year stabilizing risk systems and deployed more than 50 AI use cases in 2025. On October 19, 2026 Truist and Infosys said its Hyderabad Global Capability Center would onboard more than 1,000 colleagues. Truist has not published the share of its workloads in the cloud.[1][2][3][4][5][6][7][8][9]
Data as of Oct 31, 2026 · Truist profile updated Oct 21, 2026 · 22 sources cited on this page · 141 banks profiled on this site · Markdown
What are the layers of Truist's technology stack?
What Truist or its technology leaders have said about each layer, with the date of the statement. Vendor names are given only where a Truist executive or document named them.
| Layer | What Truist uses | Source date |
|---|---|---|
| Core deposits | Heritage BB&T deposit platform, chosen after an application-by-application review; the deposits ecosystem spans more than 100 applications, including a teller platform taken from the other heritage bank, reporting applications and the general ledger | September 2021[1] |
| Lending platforms | SunTrust mortgage loan origination with BB&T servicing; a SunTrust corporate-banking origination platform with BB&T servicing; SunTrust's LightStream kept under the Truist brand | September 2021[1] |
| Digital channels | New Truist app and website built from scratch; the 'digital straddle', a common user-experience layer and API over both heritage back ends that routes each client to the system holding their accounts (patent applied for) | September-October 2021[1][2] |
| Cloud | 'Fit-for-purpose' hybrid cloud (2021); 'most workloads running on AWS', Microsoft in insurance, Google's Apigee for open banking (March 2022); more than 250 cloud service provider accounts, a multicloud strategy and much new work deployed serverless (January 2023) | 2021-2023[1][4][5] |
| Data | Data stored in Snowflake, with Qlik managing the AI data pipelines and offering a managed open lakehouse; Zaloni's Arena platform for data governance, metadata management and AI/ML, acquired with its team | August 2022; June 2025[6][7] |
| AI program | More than 50 AI use cases deployed in 2025 across fraud, digital, call centers, wholesale and operations; the 10-K says the AI program is based on the NIST AI Risk Management Framework; a patent application covers role-based access control for custom generative AI models | 2026[8][10][11] |
| Wholesale platforms | Truist One View, the strategic platform for integrated wholesale capabilities; an Integrated Receivables platform using AI and machine learning to match payments to invoices, launched February 2026 | March 2026[12][13] |
| Delivery and engineering | Hagerman's organization has more than 10,000 full-time employees; the Hyderabad Global Capability Center is consolidating work from multiple Indian suppliers into one model built with Infosys, with more than 1,000 colleagues onboarding in October 2026 | June and October 2026[8][9] |
How has Truist's technology stack changed since the merger?
| Date | What happened | Who |
|---|---|---|
| 2016-2017 | SunTrust starts its cloud journey with digital channels, moving its first application, and puts cloud work into production in 2017 | Ken Meyer, then at SunTrust[5] |
| September 27, 2021 | Case describes the 'ecosystem' approach and a 'fit-for-purpose' cloud strategy; integration expected to be mostly complete by the first half of 2022; 2 million customers on the new app and website | Scott Case, CIO[1] |
| October 11, 2021 | About 6 million clients moved onto the new digital platform, about two waves a week, with around 9 million expected by year-end | Ken Meyer[2] |
| February 2022 | Final and largest core conversion over Presidents Day weekend, moving nearly seven million heritage SunTrust customers; CFPB complaints against Truist reached 527 in March, up more than 81% from January | American Banker[3] |
| August 22, 2022 | Truist acquires the Zaloni Arena platform; Zaloni's founder, CTO and team join the Enterprise Data Office in Raleigh | Truist[7] |
| January 31, 2023 | More than 250 cloud service provider accounts; Truist describes moving from integrator of off-the-shelf software toward 'a software engineering shop' | Ken Meyer, chief information and experience officer[5] |
| June 20, 2025 | Data kept in Snowflake, with Qlik managing pipelines to simplify the architecture for AI | Harveer Singh, chief data officer, consumer and small business[6] |
| June 1, 2026 | First year as CIO spent 'stabilizing risk management, risk governance, risk systems'; more than 50 AI use cases deployed in 2025 | Steve Hagerman, CIO[8] |
| October 19, 2026 | Hyderabad Global Capability Center expanded with Infosys to reduce third-party dependency, more than 1,000 colleagues onboarding | Steve Hagerman; Infosys[9] |
Does Truist build or buy its technology, and what has it not disclosed?
Meyer said that in 2016 the bank was 'very dependent on third parties' for application development and set out to become 'a software engineering shop, which is a different mentality than being an integrator of commercial-off-the-shelf (COTS) software applications'. He also warned that cloud is 'not always cheaper' if it is not done properly and usage is not controlled.[5]
Truist built both its new digital channels and the straddle's data utility in-house. Cornerstone Advisors' Sam Kilmer told American Banker in 2021 that he could not think of another merger in which the banks built new online banking as part of the process, and that building such a utility entirely in-house is rare.[1]
The India hub follows the same direction: the October 2026 announcement says the model is 'designed to reduce third-party dependency' and to integrate AI, technology, data and operations in one delivery framework, using Infosys's build, operate and transfer approach.[9]
Not disclosed: the share of workloads in public cloud today, the current split between AWS, Microsoft and Google, the vendor behind the deposit core, or a core-replacement plan. Wells Fargo analyst Mike Mayo wrote in September 2026 that Truist 'still seems behind on technology and customer acquisition'.[5][14]
What does the Truist profile record on this topic?
The rows below are the entries of the Truist AI strategy profile that bear on this page, as of Oct 21, 2026; the profile holds the full record of 39 dated moves, 16 use cases and 43 sources.
| Use case | What the record shows | Status | Source |
|---|---|---|---|
| Integrated receivables | AI cash application for commercial and corporate clients. | In production | [13] |
| Truist Insights (Personetics) | Personalised insights shown to clients at every log-in, powered by Personetics' Cognitive Banking platform; Personetics reports over a billion insights delivered since launch, a 16% click-through rate and a 4.5-out-of-5 client rating (the vendor's figures, from a 2025 Financial Brand Forum session with Truist's head of digital, Sherry Graziano). | In production | [15] |
| AI threat detection and data-exposure mapping | Vendor tools use AI for threat detection and to scan on-premises and cloud estates to map where critical data sits; machine learning handles defined patterns and generative AI undefined threats. Mazzaferro preferred vendor models trained across several banks to models trained only on Truist data. | In production | [16] |
| Qlik and Snowflake data pipeline for AI | Consumer-bank data sits in Snowflake with Qlik managing the pipelines, which the chief data officer for consumer banking said was chosen to reduce moving parts and total cost of ownership; the 10-K flags third-party AI services that may fail, degrade or return inaccurate outputs. | In production | [6][10] |
| Date | Move | Detail | Source |
|---|---|---|---|
| Sep 14, 2026 | Truist Ventures named as an existing investor in Rogo | Nine banks, among them Barclays, Citi Ventures and MUFG, back the financial-AI platform Rogo after a September round; Truist Ventures and J.P. Morgan Growth Equity Partners are listed as earlier backers. | [17] |
| Jun 1, 2026 | 'Digital teammates' to be hired in 2026 | Hagerman describes agents that are trained, promoted, corrected and retired like staff. | [8] |
| Feb 3, 2026 | AI-enabled receivables platform | Machine learning matches payments to invoices and remittances for commercial clients. | [13] |
| Nov 26, 2025 | Lo Li hired to run consumer-bank technology, data and operations | From Capital One, where she was chief technology officer of the retail bank; starts December 1 and reports to Hagerman. | [18] |
| Nov 19, 2025 | Pascal Belaud named chief AI & data officer | From Microsoft; responsible for AI, data and advanced-automation strategy across the enterprise. | [19][20] |
| Jun 20, 2025 | Data chief describes the Qlik and Snowflake pipeline | At Qlik Connect, Harveer Singh says Truist keeps data in Snowflake with Qlik managing the pipelines, aiming for a simpler architecture to feed AI. | [6] |
| Oct 28, 2024 | Steve Hagerman becomes CIO | Early priority: embedding AI and automation in the core operating model, after stabilising risk systems. | [8][21] |
| Aug 8, 2024 | Truist names Steve Hagerman CIO | Wells Fargo's consumer-technology CIO, also a JPMorgan veteran, is named to lead data and analytics, AI, information security and technology transformation from October 28; interim CIO Brad Bender had held the post since Scott Case left in April. The bank was in a reorganisation targeting $750 million of savings, about $200 million from technology expense. | [21] |
| Jan 31, 2023 | Two-thirds of auto applications 'auto-decisioned' | The Truist Dealer Insider newsletter (Winter 2023) says two-thirds of Truist's auto loan applications are 'auto-decisioned', that e-verification combines authentication platforms and data sources to validate applications, and that Truist is working with dealer financing platforms on automated conditional approvals; it does not call the decisioning AI. | [22] |
Which cloud does Truist use?
Several. In March 2022 consumer-technology CIO Ken Meyer said most Truist workloads ran on AWS, that it worked with Microsoft in insurance and used Google's Apigee for open banking. By January 2023 Truist had more than 250 cloud service provider accounts and described a multicloud strategy. It has not published a current cloud share.
What was Truist's digital straddle?
It was a cloud and API layer Truist built after the BB&T and SunTrust merger: a common user-experience layer over both heritage back ends that let clients use the new Truist app before their accounts were converted. Truist applied for a patent on it, and about 6 million clients had moved onto the platform by October 2021.
What core banking system does Truist use?
After the merger Truist chose the heritage BB&T deposit platform, inside a deposits ecosystem of more than 100 applications, and finished its last core conversion in February 2022. It has not named the core vendor or published a plan to replace the core.
What data platforms does Truist use?
Truist stores data in Snowflake, with Qlik managing its AI data pipelines, according to its consumer chief data officer in June 2025. It also owns the Arena data-governance platform, acquired from Zaloni in August 2022 for governance, metadata management and AI and machine learning work.
What is Truist's Global Capability Center in India?
It is Truist's technology and operations hub in Hyderabad. On October 19, 2026 Truist and Infosys said they were expanding it, consolidating work from multiple Indian suppliers into one AI-first model and onboarding more than 1,000 colleagues. CIO Steve Hagerman called it 'a strategic investment in Truist's future'.
- Inside Truist's painstaking tech integration
- Pulling off a massive migration: How Truist Bank devised its "digital straddle"
- Truist reckons with customer backlash after integration snags
- Cloud giants conquered the data center. Now they aim to transform every industry
- Migrating two banks to the cloud after a merger (interview with Ken Meyer, Truist)
- Qlik and Truist Bank's relationship is a roadmap for modernizing finance
- Truist extends data management capabilities with acquisition of Arena platform
- Steve Hagerman's agentic vision for Truist's future
- Infosys and Truist Strengthen Strategic Collaboration to Build a Global Capability Center in India
- Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- US 2026/0093838 A1: Role-based access control systems controlling custom generative AI model access (assignee Truist Bank)
- Truist 2025 Annual Report
- Truist launches AI-enabled receivables platform
- Mike Lyons begins his Truist era
- Truist's Performance Marketing Journey: From Merger Challenges to Million-Dollar Results
- How Truist and Western Alliance deploy AI to fight fraud
- Global banks invest in Rogo
- Truist hires Lo Li to lead consumer and small business banking technology, data and operations
- Truist names Pascal Belaud as chief AI & data officer
- Truist taps Microsoft alum as AI chief
- Truist names JPMorgan, Wells vet as next CIO
- Truist Dealer Insider, Volume 6, Winter 2023 (automation in consumer auto financing)
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