# Truist Financial vs peers: AI and technology compared

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

*Part of the [Truist Financial AI strategy profile](https://www.bankingnewsai.com/banks/truist). Peer group: PNC Financial Services, U.S. Bancorp, TD Bank (U.S.), Fifth Third Bancorp, Huntington Bancshares, BMO (U.S.), First Citizens BancShares, Citizens Financial Group.*

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

Truist scores 82.6 on this site's US AI disclosure index (#16 of 120), sixth of nine in its group of large regional banks, behind TD Bank US (91.8), BMO US (85.8), Citizens (85.3), Huntington (84.2) and Fifth Third (84) and ahead of U.S. Bancorp (81.3), PNC (68.2) and First Citizens (67.7). The score counts what is on the record, not capability, and Truist's strength is numbers: it has 19 quantified AI figures, second in the group, and 14 named AI leaders, also second. Three things separate it from named peers. Its assistant publishes results: Truist Assist handled more than 12.5 million requests from 2023 to March 2026, over 9 million end to end by AI, and resolved 81% of inquiries in the third quarter of 2025, while PNC has yet to launch an assistant. Its personalisation runs at scale: Truist Insights passed 2 billion proactive insights in September 2026. And generative AI is in the care centre: more than 4.5 million AI call summaries saved over 36,000 teammate hours in the second quarter of 2026. Where it trails: TD reports C$195 million of AI value delivered in nine months while Truist publishes no AI value figure beyond Client Pulse, and its independent coverage (18 sources) is fifth of nine, behind TD's 27. ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm), [Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/), [Truist via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1), [Truist](https://ir.truist.com/2026-09-09-Truist-advances-AI-to-create-more-meaningful-client-interactions), [PYMNTS](https://www.pymnts.com/earnings/2026/td-bank-unlocks-141-million-dollars-ai-value-months-ahead-schedule/), [American Banker](https://www.americanbanker.com/news/how-truist-is-building-a-real-time-view-of-all-customer-feedback))

## Where does Truist lead its peers on AI?

- **An assistant with published results.** Truist Assist, launched in September 2022, handled more than 12.5 million requests from 2023 to March 2026, over 9 million end to end by AI, and nearly 2 million in the second quarter of 2026, up 60%. U.S. Bank reports 2.5 million Smart Assistant uses a month, Citizens a 44% cut in mobile-banking calls from CiZi, and PNC plans its own assistant later in 2026. ([Truist](https://ir.truist.com/2022-09-15-Truist-launches-Truist-Assist), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000096/ex993-earningsdeck2q26.htm), [U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf), [American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/))
- **Personalisation at a scale few peers disclose.** Truist Insights passed 2 billion proactive insights in September 2026 and generated 167 million in the second quarter alone, drawing more than 31 million client interactions. Fifth Third's AI app interface works from 150 pre-populated intents, and Personetics, which powers Truist Insights, has named U.S. Bank a flagship client without U.S. Bank describing the deployment. ([Truist via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000096/ex993-earningsdeck2q26.htm), [Personetics](https://personetics.com/truists-performance-marketing-journey-from-merger-challenges-to-million-dollar-results), [American Banker](https://www.americanbanker.com/news/fifth-third-injects-ai-into-its-mobile-app), [Personetics (PR Newswire)](https://www.prnewswire.com/il/news-releases/personetics-secures-a-75-million-investment-from-warburg-pincus-to-accelerate-the-global-expansion-of-its-ai-driven-personalization-and-engagement-solutions-for-financial-institutions-820758693.html))
- **Generative AI across the care centre.** Truist's AI Call Summaries produced more than 4.5 million summaries and saved more than 36,000 teammate hours in the second quarter of 2026, supporting over 70% of inbound care-centre interactions. U.S. Bank gives contact-centre agents a GenAI assistant without a published count, and TD is building a voice agent to take about half of US contact-centre calls. ([Truist](https://ir.truist.com/2026-09-09-Truist-advances-AI-to-create-more-meaningful-client-interactions), [U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/td-bank-targets-100-u-230222427.html))
- **AI in half of its patent filings.** Truist said in June 2026 that patent filings rose 63% in a year, that 48% of applications include an AI or machine-learning component, and that it has more than 1,200 patents and applications since its program began. TD's Layer 6 has filed more than 150 patents; PNC's AI patents centre on its data migration factory and fraud models. ([Truist](https://ir.truist.com/2026-06-11-Truist-patent-boom-fueled-by-AI-machine-learning), [TD Bank Group](https://stories.td.com/ca/en/news/2026-01-16-td-wins-big-innovation-awards-for-fifth-consecutive-year-e2-80-af), [Google Patents (USPTO)](https://patents.google.com/patent/US12321323B1/en), [Google Patents (USPTO)](https://patents.google.com/patent/US20250104080A1/en))

## Where does Truist trail its peers on AI?

- **No AI value figure.** Truist has not disclosed an AI budget or value delivered; its only cost figure is Client Pulse, which avoided up to $10 million of build cost and targets about $35 million of savings (May 2025). TD reports C$195 million of AI value in nine months, BMO targets C$1 billion by 2030, and Citizens expects a $450 million-plus run-rate benefit by 2028. ([American Banker](https://www.americanbanker.com/news/how-truist-is-building-a-real-time-view-of-all-customer-feedback), [PYMNTS](https://www.pymnts.com/earnings/2026/td-bank-unlocks-141-million-dollars-ai-value-months-ahead-schedule/), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/bmo-sees-loan-demand-surge-020206941.html), [Citizens Financial Group (SEC filings)](https://www.sec.gov/Archives/edgar/data/759944/000075994426000133/a2q26earningspresentatio.htm))
- **Less independent coverage than TD or Fifth Third.** On this site's index Truist has 18 independent sources on its AI, fifth of nine against 27 for TD Bank US and 26 for Fifth Third; a Wells Fargo analyst said at the September 2026 CEO handover that Truist 'still seems behind on technology'. ([Banking Dive](https://www.bankingdive.com/news/mike-lyons-truist-ceo-banking-growth-profits-southeast/829310/))
- **No named cloud or model partner.** Truist names no cloud or model vendor in its filings or releases; its partners on the record are Personetics, Qlik, Snowflake and InvestCloud. U.S. Bank signed a multiyear AWS agreement for generative AI in May 2026, and TD builds its own models at Layer 6, including the TD AI Prism foundation model. ([SiliconANGLE](https://siliconangle.com/2025/06/20/truist-qlik-ai-data-pipeline-qlikconnect/), [Personetics](https://personetics.com/truists-performance-marketing-journey-from-merger-challenges-to-million-dollar-results), [Investing.com](https://investing.com/news/company-news/truist-wealth-launches-new-digital-platform-with-investcloud-93CH-4401019), [Banking Dive](https://bankingdive.com/news/us-bank-shifts-critical-apps-aws-ai-push/819964), [TD Bank Group](https://stories.td.com/ca/en/news/2025-06-11-td-announces-launch-of-groundbreaking-predictive-foundation))

## Where does Truist 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [TD Bank (U.S.)](https://www.bankingnewsai.com/banks/td-bank-us) | [91.8](https://www.bankingnewsai.com/banks/ai-index) | #4 of 120 | [27](https://www.bankingnewsai.com/banks/td-bank-us#sources) | [23](https://www.bankingnewsai.com/banks/td-bank-us#sources) | [13 of 18](https://www.bankingnewsai.com/banks/td-bank-us#where) | [28](https://www.bankingnewsai.com/banks/td-bank-us#timeline) | Layer 6 and TD AI Prism ([TD Bank Group](https://stories.td.com/ca/en/news/2025-06-11-td-announces-launch-of-groundbreaking-predictive-foundation), [TD Bank Group](https://stories.td.com/ca/en/news/2026-05-21-td-launches-agentic-ai-to-transform-real-estate-secured-lend), [TD Bank Group](https://stories.td.com/ca/en/news/2026-01-16-td-wins-big-innovation-awards-for-fifth-consecutive-year-e2-80-af), [American Banker](https://www.americanbanker.com/news/td-banks-maksims-volkovs-is-4-on-the-most-innovative-people-in-finance-ranking)) |
| [BMO (U.S.)](https://www.bankingnewsai.com/banks/bmo-us) | [85.8](https://www.bankingnewsai.com/banks/ai-index) | #10 of 120 | [16](https://www.bankingnewsai.com/banks/bmo-us#sources) | [26](https://www.bankingnewsai.com/banks/bmo-us#sources) | [14 of 16](https://www.bankingnewsai.com/banks/bmo-us#where) | [33](https://www.bankingnewsai.com/banks/bmo-us#timeline) | Lumi, Aura and the Institute for Applied AI & Quantum ([BMO](https://www.bmo.com/en-ca/main/about-bmo/news-insights/blog/meet-lumi-assistant-bmos-award-winning-ai-tool-empowering-team-bmo), [BMO AI Hub](https://ai.bmo.com/our-stories/aura-helping-power-bmos-goal-of-50-faster-underwriting-by-2028), [BMO](https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum)) |
| [Citizens Financial Group](https://www.bankingnewsai.com/banks/citizens) | [85.3](https://www.bankingnewsai.com/banks/ai-index) | #11 of 120 | [25](https://www.bankingnewsai.com/banks/citizens#sources) | [18](https://www.bankingnewsai.com/banks/citizens#sources) | [10 of 20](https://www.bankingnewsai.com/banks/citizens#where) | [26](https://www.bankingnewsai.com/banks/citizens#timeline) | CiZi and the cloud-native core ([American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://www.americanbanker.com/news/citizens-details-how-ai-is-speeding-everything-up)) |
| [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | [84.2](https://www.bankingnewsai.com/banks/ai-index) | #13 of 120 | [19](https://www.bankingnewsai.com/banks/huntington#sources) | [17](https://www.bankingnewsai.com/banks/huntington#sources) | [15 of 17](https://www.bankingnewsai.com/banks/huntington#where) | [29](https://www.bankingnewsai.com/banks/huntington#timeline) | Agentic process transformation, run from finance ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb)) |
| [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | [84](https://www.bankingnewsai.com/banks/ai-index) | #14 of 120 | [27](https://www.bankingnewsai.com/banks/fifth-third#sources) | [17](https://www.bankingnewsai.com/banks/fifth-third#sources) | [10 of 13](https://www.bankingnewsai.com/banks/fifth-third#where) | [25](https://www.bankingnewsai.com/banks/fifth-third#timeline) | Jeanie and the Newline MCP server ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1), [Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html)) |
| [Truist Financial (this page)](https://www.bankingnewsai.com/banks/truist) | [82.6](https://www.bankingnewsai.com/banks/ai-index) | #16 of 120 | [18](https://www.bankingnewsai.com/banks/truist#sources) | [18](https://www.bankingnewsai.com/banks/truist#sources) | [13 of 15](https://www.bankingnewsai.com/banks/truist#where) | [27](https://www.bankingnewsai.com/banks/truist#timeline) | Truist Insights and the 'digital teammates' ([Truist via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1), [American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking)) |
| [U.S. Bancorp](https://www.bankingnewsai.com/banks/us-bancorp) | [81.3](https://www.bankingnewsai.com/banks/ai-index) | #18 of 120 | [17](https://www.bankingnewsai.com/banks/us-bancorp#sources) | [21](https://www.bankingnewsai.com/banks/us-bancorp#sources) | [16 of 18](https://www.bankingnewsai.com/banks/us-bancorp#where) | [26](https://www.bankingnewsai.com/banks/us-bancorp#timeline) | In-house tools from the AI Center of Excellence ([U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-design-assistant-an-ai-solution-to-empower-designers-at-scale.html), [American Banker](https://www.americanbanker.com/news/u-s-bank-gives-embedded-banking-clients-a-gen-ai-assistant), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/ai-powered-statement-analyzer-simplifies-payment-services-for-small-businesses.html), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-ai-driven-cash-forecasting-tool.html)) |
| [PNC Financial Services](https://www.bankingnewsai.com/banks/pnc) | [68.2](https://www.bankingnewsai.com/banks/ai-index) | #38 of 120 | [17](https://www.bankingnewsai.com/banks/pnc#sources) | [15](https://www.bankingnewsai.com/banks/pnc#sources) | [8 of 14](https://www.bankingnewsai.com/banks/pnc#where) | [24](https://www.bankingnewsai.com/banks/pnc#timeline) | PNC AI factory ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [American Banker](https://www.americanbanker.com/news/pncs-solution-to-rising-ai-costs-build-its-own-ai), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1), [Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299)) |
| [First Citizens BancShares](https://www.bankingnewsai.com/banks/first-citizens) | [67.7](https://www.bankingnewsai.com/banks/ai-index) | #39 of 120 | [11](https://www.bankingnewsai.com/banks/first-citizens#sources) | [17](https://www.bankingnewsai.com/banks/first-citizens#sources) | [12 of 14](https://www.bankingnewsai.com/banks/first-citizens#where) | [24](https://www.bankingnewsai.com/banks/first-citizens#timeline) | An enterprise AI program being built, not bought ([First Citizens Bank](https://newsroom.firstcitizens.com/image/First-Citizens-Bank-Frontier-AI-Fact-Sheet.pdf), [First Citizens Bank](https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/about-us/corporate-profile.pdf), [First Citizens Bank](https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-Bank)) |

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

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

| Component (weight) | Truist | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 18 | 18 | [TD (27)](https://www.bankingnewsai.com/banks/td-bank-us) | 5th of 9 |
| Use cases in production (10%) | 13 | 12.5 | [U.S. Bank (16)](https://www.bankingnewsai.com/banks/us-bancorp) | 4th of 9 |
| Own primary disclosures (10%) | 18 | 17.5 | [BMO (26)](https://www.bankingnewsai.com/banks/bmo-us) | 4th of 9 |
| Dated moves, last 12 months (10%) | 27 | 26 | [BMO (33)](https://www.bankingnewsai.com/banks/bmo-us) | 4th of 9 |
| Disclosed numbers (5%) | 19 | 16.5 | [Citizens (20)](https://www.bankingnewsai.com/banks/citizens) | 2nd of 9 |
| Named AI leaders (5%) | 14 | 13 | [BMO (15)](https://www.bankingnewsai.com/banks/bmo-us) | 2nd of 9 |
| Use cases described (5%) | 15 | 16.5 | [Citizens (20)](https://www.bankingnewsai.com/banks/citizens) | 6th of 9 |

## What has each bank in Truist'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 |
| --- | --- | --- | --- | --- | --- |
| [Truist Financial](https://www.bankingnewsai.com/banks/truist) | Truist Insights and the 'digital teammates' ([Truist via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1), [American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking)) | [14, incl. Steve Hagerman (Chief Information Officer)](https://www.bankingnewsai.com/banks/truist#people) ([American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking), [Truist](https://media.truist.com/Steve-Hagerman), [Banking Dive](https://www.bankingdive.com/news/truist-names-jpmorgan-wells-vet-next-cio/723737/)) | AI use cases deployed in 2025: 50+ (Jun 1, 2026) ([American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking)) | 4 patents listed on the profile, e.g. US 12,657,538 B2 (Audio signal processing and dynamic natural-language risk scoring of customer communications) ([Google Patents (USPTO)](https://patents.google.com/patent/US12657538B2/en)) | [12+ open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/truist#roles) |
| [PNC Financial Services](https://www.bankingnewsai.com/banks/pnc) | PNC AI factory ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [American Banker](https://www.americanbanker.com/news/pncs-solution-to-rising-ai-costs-build-its-own-ai), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1), [Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299)) | [10, incl. Bill Demchak (Chairman and CEO)](https://www.bankingnewsai.com/banks/pnc#people) ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [Bloomberg](https://www.bloomberg.com/news/articles/2026-01-26/how-pnc-became-one-of-the-world-s-biggest-banks)) | AI share of the year-over-year increase in technology spending: ≈ 20% (Jan 16, 2026) ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/news/pnc-financial-services-group-q4-163523838.html)) | 4 patents listed on the profile, e.g. US 2025/0094839 A1 (Applying rules via artificial intelligence for document processing) ([Google Patents (USPTO)](https://patents.google.com/patent/US20250094839A1/en)) | [12+ open AI roles (Oct 1, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/pnc#roles) |
| [U.S. Bancorp](https://www.bankingnewsai.com/banks/us-bancorp) | In-house tools from the AI Center of Excellence ([U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-design-assistant-an-ai-solution-to-empower-designers-at-scale.html), [American Banker](https://www.americanbanker.com/news/u-s-bank-gives-embedded-banking-clients-a-gen-ai-assistant), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/ai-powered-statement-analyzer-simplifies-payment-services-for-small-businesses.html), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-ai-driven-cash-forecasting-tool.html)) | [13, incl. Prashant Mehrotra (EVP and Chief AI Officer)](https://www.bankingnewsai.com/banks/us-bancorp#people) ([American Banker](https://www.americanbanker.com/news/benchmarking-ai-adoption-what-u-s-banks-playbook-tells-us), [American Banker](https://www.americanbanker.com/news/beyond-token-maxing-how-u-s-bank-ai-chief-navigates-costs), [The Wall Street Journal (Deloitte CMO Journal)](https://deloitte.wsj.com/cmo/u-s-bank-chief-ai-officer-on-transformation-if-not-now-when-d6ab3469)) | Operations employees under the new COO: 16,000+ (Mar 26, 2026) ([Business Wire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603261645BIZWIRE_USPRX____20260326_BW200557-1)) | 7 patents listed on the profile, e.g. US 2024/0144204 A1 (Check fraud detection comparing incoming check image and signature with a reference) ([Google Patents (USPTO)](https://patents.google.com/patent/US20240144204A1/en)) | [12+ open AI roles (Oct 1, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/us-bancorp#roles) |
| [TD Bank (U.S.)](https://www.bankingnewsai.com/banks/td-bank-us) | Layer 6 and TD AI Prism ([TD Bank Group](https://stories.td.com/ca/en/news/2025-06-11-td-announces-launch-of-groundbreaking-predictive-foundation), [TD Bank Group](https://stories.td.com/ca/en/news/2026-05-21-td-launches-agentic-ai-to-transform-real-estate-secured-lend), [TD Bank Group](https://stories.td.com/ca/en/news/2026-01-16-td-wins-big-innovation-awards-for-fifth-consecutive-year-e2-80-af), [American Banker](https://www.americanbanker.com/news/td-banks-maksims-volkovs-is-4-on-the-most-innovative-people-in-finance-ranking)) | [13, incl. Maksims Volkovs (SVP and Chief AI Scientist, Layer 6)](https://www.bankingnewsai.com/banks/td-bank-us#people) ([American Banker](https://www.americanbanker.com/news/td-banks-maksims-volkovs-is-4-on-the-most-innovative-people-in-finance-ranking), [TD Bank Group](https://stories.td.com/ca/en/news/2026-01-16-td-wins-big-innovation-awards-for-fifth-consecutive-year-e2-80-af)) | AI value target: C$200 million (FY2026), C$1 billion a year medium term (Aug 27, 2026) ([PYMNTS](https://www.pymnts.com/earnings/2026/td-bank-unlocks-141-million-dollars-ai-value-months-ahead-schedule/), [Banking Dive](https://www.bankingdive.com/news/td-investor-day-ceo-chun-salom-cost-cuts-branches/761458/)) | 5 patents listed on the profile, e.g. US 2024/0127036 A1 (Multi-event time-series encoding) ([Google Patents (USPTO)](https://patents.google.com/patent/US20240127036A1/en)) | [12+ open AI roles (Oct 1, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/td-bank-us#roles) |
| [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | Jeanie and the Newline MCP server ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1), [Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html)) | [14, incl. Tim Spence (Chairman, CEO and President)](https://www.bankingnewsai.com/banks/fifth-third#people) ([Bloomberg](https://www.bloomberg.com/news/articles/2026-03-11/fifth-third-sees-pretty-remarkable-outcome-of-ai-to-lower-cost), [CNBC](https://www.cnbc.com/video/2025/12/09/fifth-third-bancorp-ceo-tim-spence-on-new-partnership-with-brex.html)) | Mobile app releases: 500+ in 2025, from ≈ 2 a year in 2021 (Jun 9, 2026) ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-06-09.html)) | 3 patents listed on the profile, e.g. US 11,868,865 B1 (Systems and methods for cash structuring activity monitoring) ([Google Patents (USPTO)](https://patents.google.com/patent/US11868865B1/en)) | [6 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/fifth-third#roles) |
| [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | Agentic process transformation, run from finance ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb)) | [14, incl. Zach Wasserman (Chief Financial Officer)](https://www.bankingnewsai.com/banks/huntington#people) ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb), [American Banker](https://www.americanbanker.com/podcast/its-a-tremendous-priority-huntington-cfo-wasserman-on-ai)) | AI agents in production / in development: 50 / 60+, ≈ 15 new a month (Apr 24, 2026) ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/)) | 6 patents listed on the profile, e.g. US 11,194,637 B2 (Extensible alerts platform) ([Google Patents (USPTO)](https://patents.google.com/patent/US11194637B2/en)) | [9 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/huntington#roles) |
| [BMO (U.S.)](https://www.bankingnewsai.com/banks/bmo-us) | Lumi, Aura and the Institute for Applied AI & Quantum ([BMO](https://www.bmo.com/en-ca/main/about-bmo/news-insights/blog/meet-lumi-assistant-bmos-award-winning-ai-tool-empowering-team-bmo), [BMO AI Hub](https://ai.bmo.com/our-stories/aura-helping-power-bmos-goal-of-50-faster-underwriting-by-2028), [BMO](https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum)) | [15, incl. Kristin Milchanowski (Chief AI & Quantum Officer)](https://www.bankingnewsai.com/banks/bmo-us#people) ([BMO](https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum), [American Banker](https://www.americanbanker.com/news/bmos-kristin-milchanowski-is-39-on-the-most-innovative-people-in-finance-ranking)) | Employee AI adoption: > 96% (Apr 24, 2026) ([BMO](https://newsroom.bmo.com/2026-04-24-BMO-Launches-Return-on-Intelligence-Podcast-AI,-Quantum,-and-the-New-Rules-of-Decision-Making)) | 4 patents listed on the profile, e.g. US 2026/0119566 A1 (Machine-learning database search and knowledge mining over query logs) ([Google Patents (USPTO)](https://patents.google.com/patent/US20260119566A1/en)) | [7 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/bmo-us#roles) |
| [First Citizens BancShares](https://www.bankingnewsai.com/banks/first-citizens) | An enterprise AI program being built, not bought ([First Citizens Bank](https://newsroom.firstcitizens.com/image/First-Citizens-Bank-Frontier-AI-Fact-Sheet.pdf), [First Citizens Bank](https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/about-us/corporate-profile.pdf), [First Citizens Bank](https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-Bank)) | [11, incl. Frank Holding Jr. (Chairman and CEO)](https://www.bankingnewsai.com/banks/first-citizens#people) ([Reuters](https://www.reuters.com/sustainability/boards-policy-regulation/first-citizens-ceo-frank-holding-named-federal-advisory-council-2026-02-10/)) | AI share of healthcare investment (SVB report): 46% in 2025 (Jan 8, 2026) ([First Citizens Bank](https://newsroom.firstcitizens.com/2026-01-08-AI-Investment-Accounted-for-Nearly-Half-of-Healthcare-Investment-in-2025-Silicon-Valley-Bank-Releases-17th-Healthcare-Investments-and-Exits-Report)) | Not disclosed | [4 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/first-citizens#roles) |
| [Citizens Financial Group](https://www.bankingnewsai.com/banks/citizens) | CiZi and the cloud-native core ([American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://www.americanbanker.com/news/citizens-details-how-ai-is-speeding-everything-up)) | [10, incl. Brendan Coughlin (President)](https://www.bankingnewsai.com/banks/citizens#people) ([American Banker](https://www.americanbanker.com/news/citizens-latest-move-further-positions-coughlin-as-next-ceo), [American Banker](https://www.americanbanker.com/news/citizens-details-how-ai-is-speeding-everything-up)) | Developers with coding agents: ≈ 800 (half) (Nov 20, 2025) ([American Banker](https://www.americanbanker.com/news/how-citi-citizens-td-deploy-ai-agents-without-upsetting-humans)) | 4 patents listed on the profile, e.g. US 2025/0150457 A1 (AI-driven integration platform and user-adaptive interface for business relationship orchestration) ([Google Patents (USPTO)](https://patents.google.com/patent/US20250150457A1/en)) | [6 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/citizens#roles) |

## What are the latest dated moves on the AI record of Truist 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 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) | Agentic AI extended to mortgage funding and discharge ([TD Bank Group (Canada Newswire via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/td-expands-agentic-ai-across-093000362.html)) |
| Oct 12, 2026 | [Fifth Third](https://www.bankingnewsai.com/banks/fifth-third) | AI chief Jay Budzik describes the lending-model upgrade ([Northwestern McCormick School of Engineering](https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html)) |
| Oct 7, 2026 | [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | Venkatachari: from proving AI to industrializing it ([Forbes (Yahoo Finance)](https://finance.yahoo.com/news/u-bank-industrializing-ai-132012524.html)) |
| Oct 6, 2026 | [First Citizens](https://www.bankingnewsai.com/banks/first-citizens) | First Citizens Innovation Banking launched; SVB name retired ([First Citizens Bank](https://newsroom.firstcitizens.com/2026-10-06-First-Citizens-Bank-Launches-New-Innovation-Banking-Brand)) |
| Oct 6, 2026 | [BMO](https://www.bankingnewsai.com/banks/bmo-us) | Evident AI Index 2026: top 20 overall, #2 for AI outcomes ([BMO (CNW via FT Markets)](https://markets.ft.com/data/announce/full?dockey=600-202610060700CANADANWCANADAPR_C6630-1)) |
| Oct 6, 2026 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) | US survey: 69% would let a bank AI assistant complete a financial task ([TD Bank U.S. (Business Wire via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/nearly-7-10-americans-let-123000213.html)) |
| Oct 1, 2026 | [Fifth Third](https://www.bankingnewsai.com/banks/fifth-third) | CMO: generative AI kept away from customers on purpose ([The Financial Brand](https://thefinancialbrand.com/banking-podcasts/fifth-third-succeeds-through-empowered-employees)) |
| Sep 29, 2026 | [Citizens](https://www.bankingnewsai.com/banks/citizens) | Coughlin: engineers now 30-40% more productive with AI ([American Banker](https://www.americanbanker.com/news/tech-leaders-say-ai-could-end-humanity-banks-still-love-it)) |
| Sep 29, 2026 | [Citizens](https://www.bankingnewsai.com/banks/citizens) | Q4 2026 Business Pulse: small-business AI spending rising ([Citizens (Business Wire via Yahoo Finance)](https://finance.yahoo.com/small-business/articles/citizens-q4-2026-business-pulse-110000359.html)) |
| Sep 29, 2026 | [Huntington](https://www.bankingnewsai.com/banks/huntington) | Named a Coverbase enterprise customer ([Coverbase (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html)) |
| Sep 29, 2026 | [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | CFO Insights Report: AI spending running over budget ([U.S. Bank (Business Wire)](https://www.businesswire.com/news/home/20260929120677/en/U.S.-Bank-CFO-Survey-Optimism-Climbing-as-Growth-and-Dealmaking-Gain-Momentum)) |
| Sep 25, 2026 | [Huntington](https://www.bankingnewsai.com/banks/huntington) | Vakharia on AI in bank marketing ([Banking Dive](https://bankingdive.com/news/huntington-bank-marketing-digital-brand-customer-experience-vakharia/831361)) |
| Sep 25, 2026 | [PNC](https://www.bankingnewsai.com/banks/pnc) | Head of ATM Banking hired with an AI mandate ([Columbus Business First (bizjournals.com)](https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson)) |
| Sep 22, 2026 | [BMO](https://www.bankingnewsai.com/banks/bmo-us) | C$1 billion a year from AI by 2030 ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/bmo-sees-loan-demand-surge-020206941.html)) |
| Sep 18, 2026 | [Truist](https://www.bankingnewsai.com/banks/truist) | Mid-table on AI-judged reputation ([American Banker](https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh)) |
| Sep 17, 2026 | [First Citizens](https://www.bankingnewsai.com/banks/first-citizens) | CB Insights joins SVB's partner network with its ChatCBI AI agent ([CB Insights (PR Newswire)](https://prnewswire.com/news-releases/cb-insights-joins-silicon-valley-banks-partner-network-to-give-innovators-a-competitive-edge-302881431.html)) |
| Sep 16, 2026 | [Truist](https://www.bankingnewsai.com/banks/truist) | Insights scale: 4 million daily sign-ins, 500 insights a year per customer ([The Financial Brand](https://thefinancialbrand.com/news/banking-technology/how-truist-delivers-proactive-insights-to-its-app-and-online-users-199568)) |
| Sep 14, 2026 | [PNC](https://www.bankingnewsai.com/banks/pnc) | Barclays conference: agents at the centre of development, 5–10x ([Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299)) |

## How does Truist Assist compare with other regional banks' AI assistants?

Each bank's own figures, in different units; they rank disclosure, not quality.

| Bank | Assistant | Result disclosed | Date |
| --- | --- | --- | --- |
| Truist | Truist Assist with 'Ask Truist Assist' universal search | 12.5 million-plus requests since 2023, 9 million-plus end to end by AI; 81% of inquiries resolved in the chatbot in 3Q25 | October 2025; March 2026 ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/news/truist-tfc-q4-2025-earnings-144307391.html)) |
| U.S. Bancorp | Smart Assistant, voice-first and bilingual | Used 2.5 million times a month | 2025 annual report ([U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf)) |
| Citizens | CiZi | Mobile-banking call volume down 44% | June 2026 ([American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking)) |
| Fifth Third | Jeanie and an AI app interface | Containment from 3% to 42%; intent accuracy from about 20% to about 90% | August 2026 ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html)) |
| TD Bank US | Voice AI agent for US contact centres | Targeted to handle about 50% of incoming calls | September 2026 ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/td-bank-targets-100-u-230222427.html)) |
| PNC | Own digital assistant | Planned for later in 2026 | July 2026 ([Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/)) |

## How does Truist's AI leadership compare with other regional banks'?

The executive each bank has named as accountable for AI, as reported.

| Bank | AI leader | Since | Reports to or sits in |
| --- | --- | --- | --- |
| Truist | Pascal Belaud, chief AI & data officer (from Microsoft) | November 2025 | CIO, later chief technology & operations officer, Steve Hagerman ([Truist](https://media.truist.com/2025-11-19-Truist-names-Pascal-Belaud-as-chief-AI-data-officer), [Banking Dive](https://www.bankingdive.com/news/truist-bank-taps-microsoft-alum-ai-data-chief-belaud/806064/), [Truist](https://media.truist.com/Steve-Hagerman)) |
| U.S. Bancorp | Prashant Mehrotra, chief AI officer (from Allstate) | Mid-2025 | Not stated on the profile ([American Banker](https://www.americanbanker.com/news/beyond-token-maxing-how-u-s-bank-ai-chief-navigates-costs)) |
| BMO | Kristin Milchanowski, chief AI and quantum officer; BMO Institute for Applied AI & Quantum | April 2026 (institute) | Enterprise centre of excellence ([BMO](https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum)) |
| Huntington | CFO Zach Wasserman runs the AI program with strategy and data analytics | Not stated | Finance ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb)) |
| TD Bank Group | Maksims Volkovs, chief AI scientist, leading Layer 6's 130-plus team | Layer 6 acquired 2018 | Layer 6 ([American Banker](https://www.americanbanker.com/news/td-banks-maksims-volkovs-is-4-on-the-most-innovative-people-in-finance-ranking), [TD Bank Group](https://stories.td.com/ca/en/news/2026-01-16-td-wins-big-innovation-awards-for-fifth-consecutive-year-e2-80-af)) |
| First Citizens | Ash Kaduskar, head of AI and advanced analytics | Not stated | In-house AI team ([First Citizens Bank](https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-Bank)) |
| PNC | Ned Carroll, head of data and automation | Not stated | Not stated ([American Banker](https://www.americanbanker.com/news/do-banks-need-a-nutrition-label-for-their-ai-model-data), [American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory)) |

## How does Truist Insights compare with other banks' AI personalisation?

Proactive insights and next-best-action tools each bank has disclosed.

| Bank | Tool | Scale disclosed | Date |
| --- | --- | --- | --- |
| Truist | Truist Insights (powered by Personetics); Connection Tiles prompt branch bankers with five next steps | 2 billion-plus insights since 2023; 167 million in 2Q26; average customer gets 500-plus a year | September 2026 ([Truist via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000096/ex993-earningsdeck2q26.htm), [The Financial Brand](https://thefinancialbrand.com/news/banking-technology/how-truist-delivers-proactive-insights-to-its-app-and-online-users-199568)) |
| Bank of America (reference) | Erica proactive insights | 1.9 billion of Erica's 3.6 billion-plus interactions are proactive insights | October 2026 ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| TD Bank Group | TD AI Prism, a predictive foundation model built by Layer 6 | Launched June 2025 after three years of R&D | June 2025 ([TD Bank Group](https://stories.td.com/ca/en/news/2025-06-11-td-announces-launch-of-groundbreaking-predictive-foundation)) |
| Fifth Third | AI app interface with 150 pre-populated intents trained on hundreds of millions of interactions | Launched June 2026 | June 2026 ([Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1), [American Banker](https://www.americanbanker.com/news/fifth-third-injects-ai-into-its-mobile-app)) |
| U.S. Bancorp | Personetics named it a flagship client; branches use 'AI-powered next best solutions' | Deployment not described | 2021; January 2026 ([Personetics (PR Newswire)](https://www.prnewswire.com/il/news-releases/personetics-secures-a-75-million-investment-from-warburg-pincus-to-accelerate-the-global-expansion-of-its-ai-driven-personalization-and-engagement-solutions-for-financial-institutions-820758693.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/news/us-bancorp-usb-q4-2025-215216728.html)) |

## How does Truist's AI governance compare with its peers'?

What each bank's annual report or filings say about governing AI.

| Bank | What the filing or bank says | Date |
| --- | --- | --- |
| Truist | Dedicated AI risk factor; AI program 'foundationally based' on the NIST AI Risk Management Framework, with board and committee oversight; Q2 2026 10-Q adds AI-driven cyberattacks to its risks | February and July 2026 ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000099/tfc-20260630.htm)) |
| U.S. Bancorp | 10-K names algorithmic bias, explainability and dataset flaws; a governance body reviews every use case | February and September 2026 ([U.S. Bancorp via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/36104/000003610426000011/usb-20251231_d2.htm), [American Banker](https://www.americanbanker.com/news/benchmarking-ai-adoption-what-u-s-banks-playbook-tells-us)) |
| PNC | 10-K says a minority of its models, but a growing number with customers, use AI or machine learning; adopting data 'nutrition labels' | February and September 2026 ([PNC via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/713676/000071367626000020/pnc-20251231.htm), [American Banker](https://www.americanbanker.com/news/do-banks-need-a-nutrition-label-for-their-ai-model-data)) |
| TD Bank Group | AI models meet the same model-risk standards under a three-lines-of-defence approach | Annual report ([TD Bank Group (SEC filing)](https://www.sec.gov/Archives/edgar/data/947263/000156276225000289/ex992.htm)) |
| BMO | Only BMO-approved AI tools may be used for business; Copilot under acceptable-use guidance | 2026 ([Bank of Montreal (SEC filing)](https://www.sec.gov/Archives/edgar/data/927971/000119312526105793/d76162dex991.htm)) |

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

Truist Financial is compared here with PNC Financial Services, U.S. Bancorp, TD Bank (U.S.), Fifth Third Bancorp, Huntington Bancshares, BMO (U.S.), First Citizens BancShares and Citizens Financial Group: the US banks on this site nearest to it in business model (regional or retail-commercial bank) and assets on the Federal Reserve's large-bank list. Truist Financial is classed as a regional or retail-commercial bank in the Southeast.

## Common questions

### Is Truist better than PNC at AI?

On the public record Truist is well ahead: 82.6 against 68.2 on this site's disclosure index, with 13 use cases in production against PNC's 8 and a working assistant, Truist Assist, that has handled more than 12.5 million requests. PNC's distinctive move is infrastructure: it is building its own GPUs, data centres and language models, and used about 115 AI agents to build its new mobile app. ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/))

### How does Truist Assist compare with U.S. Bank's Smart Assistant?

Both publish usage. Truist Assist handled more than 12.5 million requests from 2023 to March 2026 and resolved 81% of inquiries in the chatbot in the third quarter of 2025; U.S. Bank's Smart Assistant is used 2.5 million times a month and is one of two large-bank assistants with voice. Neither bank has named the model behind its assistant. ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm), [U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf), [American Banker](https://www.americanbanker.com/news/u-s-bank-tops-mobile-banking-ranks-for-third-straight-year))

### Who leads AI at Truist compared with other banks?

Pascal Belaud, hired from Microsoft as chief AI & data officer in November 2025, reports to Steve Hagerman, who runs technology, data, operations, fraud and care centres. U.S. Bank has a chief AI officer, Prashant Mehrotra, since mid-2025; BMO a chief AI and quantum officer; Huntington runs AI from the CFO's office; TD's Layer 6 is led by chief AI scientist Maksims Volkovs. ([Truist](https://media.truist.com/2025-11-19-Truist-names-Pascal-Belaud-as-chief-AI-data-officer), [Truist](https://media.truist.com/Steve-Hagerman), [American Banker](https://www.americanbanker.com/news/beyond-token-maxing-how-u-s-bank-ai-chief-navigates-costs), [BMO](https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum), [Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [American Banker](https://www.americanbanker.com/news/td-banks-maksims-volkovs-is-4-on-the-most-innovative-people-in-finance-ranking))

### Is Truist behind on technology?

A Wells Fargo analyst said at the September 2026 CEO handover that Truist 'still seems behind on technology'. Its AI record is mid-table among large regional banks (sixth of nine on this site's index) but strong on published results: Truist Assist, 2 billion-plus Truist Insights and 4.5 million AI call summaries in one quarter. Its 10-K says it continues to make significant investments in its digital platform to compete. ([Banking Dive](https://www.bankingdive.com/news/mike-lyons-truist-ceo-banking-growth-profits-southeast/829310/), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Truist via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1), [Truist](https://ir.truist.com/2026-09-09-Truist-advances-AI-to-create-more-meaningful-client-interactions), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm))

### What does Truist plan next with AI agents?

CIO Steve Hagerman describes AI agents as 'Truist digital teammates' that will be formally hired into his organisation in 2026, given more autonomy as their success rate rises and put on corrective-action plans when they stray. U.S. Bank says it is preparing for agents as the last of six AI actions, and Huntington already runs 50 agents in production with more than 60 in development. ([American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://www.americanbanker.com/news/benchmarking-ai-adoption-what-u-s-banks-playbook-tells-us), [Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/))

### How does Truist compare with Fifth Third and Huntington on AI?

Both score slightly higher on this site's index (Fifth Third 84, Huntington 84.2, Truist 82.6). Huntington runs 50 AI agents in production from its CFO's office and targets 10% to 15% cost reductions; Fifth Third's Jeanie raised self-service containment to 42% and its Newline platform runs an MCP server. Truist publishes more quantified results than either, from Truist Assist volumes to 4.5 million AI call summaries in one quarter. ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Truist](https://ir.truist.com/2026-09-09-Truist-advances-AI-to-create-more-meaningful-client-interactions))

### Where does Truist use generative AI compared with its peers?

Mostly in service: generative AI writes care-centre call summaries (4.5 million-plus in 2Q26) and handles undefined fraud threats alongside machine learning. Citizens uses generative AI to rewrite legacy code for the cloud, U.S. Bank gives contact-centre agents a GenAI assistant, and TD's Layer 6 built generative knowledge assistants for branches and wealth. ([Truist](https://ir.truist.com/2026-09-09-Truist-advances-AI-to-create-more-meaningful-client-interactions), [American Banker](https://www.americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud), [American Banker](https://www.americanbanker.com/news/how-citi-citizens-td-deploy-ai-agents-without-upsetting-humans), [U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf), [TD Bank Group](https://stories.td.com/ca/en/news/2025-10-20-new-td-wealth-virtual-assistant-set-to-enhance-the-colleague))

### How does Truist's AI reputation compare with other banks'?

A RepTrak study averaging Claude, ChatGPT and Gemini (September 2026) scored Truist 42.6 out of 100, third of seven banks measured, behind Ally (52.1) and Chase (50.3) but ahead of Bank of America (39.6), Chime (37.3), Wells Fargo (22.2) and TD Bank (19.4). ([American Banker](https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh))

## Peers on this site

- [PNC Financial Services AI strategy](https://www.bankingnewsai.com/banks/pnc) · [vs peers](https://www.bankingnewsai.com/banks/pnc/vs-peers)
- [U.S. Bancorp AI strategy](https://www.bankingnewsai.com/banks/us-bancorp) · [vs peers](https://www.bankingnewsai.com/banks/us-bancorp/vs-peers)
- [TD Bank (U.S.) AI strategy](https://www.bankingnewsai.com/banks/td-bank-us) · [vs peers](https://www.bankingnewsai.com/banks/td-bank-us/vs-peers)
- [Fifth Third Bancorp AI strategy](https://www.bankingnewsai.com/banks/fifth-third) · [vs peers](https://www.bankingnewsai.com/banks/fifth-third/vs-peers)
- [Huntington Bancshares AI strategy](https://www.bankingnewsai.com/banks/huntington) · [vs peers](https://www.bankingnewsai.com/banks/huntington/vs-peers)
- [BMO (U.S.) AI strategy](https://www.bankingnewsai.com/banks/bmo-us) · [vs peers](https://www.bankingnewsai.com/banks/bmo-us/vs-peers)
- [First Citizens BancShares AI strategy](https://www.bankingnewsai.com/banks/first-citizens) · [vs peers](https://www.bankingnewsai.com/banks/first-citizens/vs-peers)
- [Citizens Financial Group AI strategy](https://www.bankingnewsai.com/banks/citizens) · [vs peers](https://www.bankingnewsai.com/banks/citizens/vs-peers)

## Sources

1. Exhibit 99.3: First quarter 2026 earnings presentation (Form 8-K) — Truist Financial (SEC filing), Apr 17, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm
2. Exhibit 99.3: Third quarter 2025 earnings presentation (Form 8-K) — Truist Financial (SEC filing), Oct 17, 2025. https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm
3. PNC's new mobile banking app built on personalization — Banking Dive, Jul 8, 2026. https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/
4. Truist delivers 2 billion AI-powered proactive insights — Truist via FT Markets, Sep 3, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1
5. Truist advances AI to create more meaningful client interactions — Truist, Sep 9, 2026. https://ir.truist.com/2026-09-09-Truist-advances-AI-to-create-more-meaningful-client-interactions
6. TD Bank Unlocks $141 Million in AI Value Months Ahead of Schedule — PYMNTS, Aug 27, 2026. https://www.pymnts.com/earnings/2026/td-bank-unlocks-141-million-dollars-ai-value-months-ahead-schedule/
7. How Truist is building a real-time view of all customer feedback — American Banker, May 15, 2025. https://www.americanbanker.com/news/how-truist-is-building-a-real-time-view-of-all-customer-feedback
8. Truist launches Truist Assist — Truist, Sep 15, 2022. https://ir.truist.com/2022-09-15-Truist-launches-Truist-Assist
9. Exhibit 99.3: Second quarter 2026 earnings presentation (Form 8-K) — Truist Financial (SEC filing), Jul 17, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000096/ex993-earningsdeck2q26.htm
10. U.S. Bancorp Annual Report 2025 — U.S. Bank, Feb 23, 2026. https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf
11. Citizens Financial's Michael Ruttledge is #43 on the Most Innovative People in Finance ranking — American Banker, Jun 1, 2026. https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking
12. Truist's Performance Marketing Journey: From Merger Challenges to Million-Dollar Results — Personetics, Aug 14, 2025. https://personetics.com/truists-performance-marketing-journey-from-merger-challenges-to-million-dollar-results
13. Fifth Third injects AI into its mobile app — American Banker, Jun 17, 2026. https://www.americanbanker.com/news/fifth-third-injects-ai-into-its-mobile-app
14. Personetics secures a $75 million investment from Warburg Pincus to accelerate the global expansion of its AI-driven personalization and engagement solutions for financial institutions — Personetics (PR Newswire), Feb 16, 2021. https://www.prnewswire.com/il/news-releases/personetics-secures-a-75-million-investment-from-warburg-pincus-to-accelerate-the-global-expansion-of-its-ai-driven-personalization-and-engagement-solutions-for-financial-institutions-820758693.html
15. TD Bank Targets 100 U.S. Branches as AML Remediation Continues — MarketBeat (Yahoo Finance), Sep 17, 2026. https://finance.yahoo.com/markets/stocks/articles/td-bank-targets-100-u-230222427.html
16. Truist patent boom fueled by AI & machine learning — Truist, Jun 11, 2026. https://ir.truist.com/2026-06-11-Truist-patent-boom-fueled-by-AI-machine-learning
17. TD wins BIG Innovation Awards for fifth consecutive year — TD Bank Group, Jan 16, 2026. https://stories.td.com/ca/en/news/2026-01-16-td-wins-big-innovation-awards-for-fifth-consecutive-year-e2-80-af
18. US 12,321,323 B1: Data migration factory (assignee PNC Financial Services Group; filed 2024-02-20) — Google Patents (USPTO), Feb 20, 2024. https://patents.google.com/patent/US12321323B1/en
19. US 2025/0104080 A1: Systems and methods for training and applying machine learning systems in fraud detection (PNC; published 2025-03-27) — Google Patents (USPTO), Mar 27, 2025. https://patents.google.com/patent/US20250104080A1/en
20. BMO Sees Loan Demand Surge as Returns Rise Toward 2027 Targets — MarketBeat (Yahoo Finance), Sep 22, 2026. https://finance.yahoo.com/markets/stocks/articles/bmo-sees-loan-demand-surge-020206941.html
21. 2Q26 Earnings Presentation (Form 8-K, Exhibit 99.2) — Citizens Financial Group (SEC filings), Jul 16, 2026. https://www.sec.gov/Archives/edgar/data/759944/000075994426000133/a2q26earningspresentatio.htm
22. Mike Lyons begins his Truist era — Banking Dive, Sep 1, 2026. https://www.bankingdive.com/news/mike-lyons-truist-ceo-banking-growth-profits-southeast/829310/
23. Qlik and Truist Bank's relationship is a roadmap for modernizing finance — SiliconANGLE, Jun 20, 2025. https://siliconangle.com/2025/06/20/truist-qlik-ai-data-pipeline-qlikconnect/
24. Truist Wealth launches new digital platform with InvestCloud — Investing.com, Dec 10, 2025. https://investing.com/news/company-news/truist-wealth-launches-new-digital-platform-with-investcloud-93CH-4401019
25. U.S. Bank shifts critical apps to AWS for AI push — Banking Dive, May 12, 2026. https://bankingdive.com/news/us-bank-shifts-critical-apps-aws-ai-push/819964
26. TD Announces Launch of Groundbreaking Predictive Foundation Model — TD Bank Group, Jun 11, 2025. https://stories.td.com/ca/en/news/2025-06-11-td-announces-launch-of-groundbreaking-predictive-foundation
27. TD Launches Agentic AI to Transform Real Estate Secured Lending from End to End — TD Bank Group, May 21, 2026. https://stories.td.com/ca/en/news/2026-05-21-td-launches-agentic-ai-to-transform-real-estate-secured-lend
28. Maksims Volkovs drives TD Bank's AI transformation — American Banker, Jun 1, 2026. https://www.americanbanker.com/news/td-banks-maksims-volkovs-is-4-on-the-most-innovative-people-in-finance-ranking
29. Meet Lumi Assistant: BMO's award-winning AI tool empowering Team BMO — BMO, Jun 24, 2025. https://www.bmo.com/en-ca/main/about-bmo/news-insights/blog/meet-lumi-assistant-bmos-award-winning-ai-tool-empowering-team-bmo
30. Aura: Helping power BMO's goal of 50% faster underwriting by 2028 — BMO AI Hub, Aug 6, 2026. https://ai.bmo.com/our-stories/aura-helping-power-bmos-goal-of-50-faster-underwriting-by-2028
31. BMO Establishes Institute for Applied Artificial Intelligence & Quantum — BMO, Apr 9, 2026. https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum
32. Citizens details how AI is speeding everything up — American Banker, Mar 27, 2026. https://www.americanbanker.com/news/citizens-details-how-ai-is-speeding-everything-up
33. At Huntington Bancshares, the CFO is also the AI strategist — Fortune, Apr 24, 2026. https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/
34. Huntington Bank's plan to obtain a return on gen AI — American Banker, Sep 11, 2025. https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai
35. Banking on AI: Huntington's CFO on Innovation and Risk Oversight — The Wall Street Journal (Deloitte CFO Journal), Sep 15, 2025. https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb
36. Fifth Third's Jeanie Named Best Chatbot by Tearsheet AI Innovation Awards — Fifth Third, Aug 12, 2026. https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html
37. Fifth Third Launches AI-Powered Interface in Mobile App — Fifth Third via FT Markets, Jun 17, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1
38. Fifth Third's Newline Extends MCP Server Capabilities with Skills — Fifth Third (Business Wire via Yahoo Finance), Apr 13, 2026. https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html
39. Steve Hagerman's agentic vision for Truist's future — American Banker, Jun 1, 2026. https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking
40. U.S. Bank launches Design Assistant, an AI solution to empower designers at scale — U.S. Bank, Mar 30, 2026. https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-design-assistant-an-ai-solution-to-empower-designers-at-scale.html
41. U.S. Bank gives embedded banking clients a gen AI assistant — American Banker, Jan 15, 2026. https://www.americanbanker.com/news/u-s-bank-gives-embedded-banking-clients-a-gen-ai-assistant
42. AI-powered Statement Analyzer simplifies payment services for small businesses — U.S. Bank, May 26, 2026. https://www.usbank.com/about-us-bank/news-and-stories/article-library/ai-powered-statement-analyzer-simplifies-payment-services-for-small-businesses.html
43. U.S. Bank launches AI-driven cash forecasting tool — U.S. Bank, Nov 18, 2025. https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-ai-driven-cash-forecasting-tool.html
44. Why PNC is building its own 'AI factory' — American Banker, Jun 11, 2026. https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory
45. PNC's solution to rising AI costs: build its own AI — American Banker, Jun 12, 2026. https://www.americanbanker.com/news/pncs-solution-to-rising-ai-costs-build-its-own-ai
46. PNC's New Mobile App Delivers an Intuitive, Personalized Experience to Help Clients Seamlessly Manage Their Day-to-Day Financial Lives — PNC via FT Markets, Jul 7, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1
47. PNC at Barclays conference: growth, AI and branch push (transcript) — Investing.com, Sep 14, 2026. https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299
48. Frontier AI Fact Sheet — First Citizens Bank, Jul 3, 2026. https://newsroom.firstcitizens.com/image/First-Citizens-Bank-Frontier-AI-Fact-Sheet.pdf
49. First Citizens Bank Corporate Profile 1Q26 — First Citizens Bank, Apr 30, 2026. https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/about-us/corporate-profile.pdf
50. A Q&A With Scott Richardson: AI at First Citizens Bank — First Citizens Bank, Sep 3, 2026. https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-Bank
51. Steve Hagerman, Chief Technology & Operations Officer (Operating Council profile) — Truist, Oct 13, 2026. https://media.truist.com/Steve-Hagerman
52. Truist names JPMorgan, Wells vet as next CIO — Banking Dive, Aug 8, 2024. https://www.bankingdive.com/news/truist-names-jpmorgan-wells-vet-next-cio/723737/
53. US 12,657,538 B2: Audio signal processing and dynamic natural language understanding (assignee Truist Bank; granted 2026-06-16) — Google Patents (USPTO), Jun 16, 2026. https://patents.google.com/patent/US12657538B2/en
54. What It Takes to Build One of The World's Biggest Banks — Bloomberg, Jan 26, 2026. https://www.bloomberg.com/news/articles/2026-01-26/how-pnc-became-one-of-the-world-s-biggest-banks
55. The PNC Financial Services Group Q4 Earnings Call Highlights — MarketBeat (Yahoo Finance), Jan 16, 2026. https://finance.yahoo.com/news/pnc-financial-services-group-q4-163523838.html
56. US 2025/0094839 A1: Systems and methods for applying rules via artificial intelligence for document processing (PNC; filed 2024-12-04) — Google Patents (USPTO), Dec 4, 2024. https://patents.google.com/patent/US20250094839A1/en
57. Benchmarking AI adoption: What U.S. Bank's playbook tells us — American Banker, Sep 2, 2026. https://www.americanbanker.com/news/benchmarking-ai-adoption-what-u-s-banks-playbook-tells-us
58. Beyond token-maxing: How U.S. Bank AI chief navigates costs — American Banker, Jul 30, 2026. https://www.americanbanker.com/news/beyond-token-maxing-how-u-s-bank-ai-chief-navigates-costs
59. U.S. Bank Chief AI Officer on Transformation: 'If Not Now, When?' — The Wall Street Journal (Deloitte CMO Journal), May 14, 2026. https://deloitte.wsj.com/cmo/u-s-bank-chief-ai-officer-on-transformation-if-not-now-when-d6ab3469
60. U.S. Bancorp Announces Leadership Changes in Its Operations Function — Business Wire via FT Markets, Mar 26, 2026. https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603261645BIZWIRE_USPRX____20260326_BW200557-1
61. US20240144204A1 - Systems and methods for check fraud detection — Google Patents (USPTO), May 2, 2024. https://patents.google.com/patent/US20240144204A1/en
62. TD wants to get 'back to winning' — Banking Dive, Sep 30, 2025. https://www.bankingdive.com/news/td-investor-day-ceo-chun-salom-cost-cuts-branches/761458/
63. US 2024/0127036 A1: Multi-event time-series encoding — Google Patents (USPTO), Apr 18, 2024. https://patents.google.com/patent/US20240127036A1/en
64. Fifth Third Sees 'Pretty Remarkable' AI Ability to Lower Costs — Bloomberg, Mar 11, 2026. https://www.bloomberg.com/news/articles/2026-03-11/fifth-third-sees-pretty-remarkable-outcome-of-ai-to-lower-cost
65. Fifth Third Bancorp CEO Tim Spence on new partnership with Brex — CNBC, Dec 9, 2025. https://www.cnbc.com/video/2025/12/09/fifth-third-bancorp-ceo-tim-spence-on-new-partnership-with-brex.html
66. American Banker Names Jude Schramm to Most Innovative People in Finance List — Fifth Third, Jun 9, 2026. https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-06-09.html
67. US 11,868,865 B1: Systems and methods for cash structuring activity monitoring (assignee Fifth Third Bank NA; filed 2023-06-08) — Google Patents (USPTO), Jan 9, 2024. https://patents.google.com/patent/US11868865B1/en
68. 'It's a tremendous priority': Huntington CFO Wasserman on AI — American Banker, Mar 4, 2025. https://www.americanbanker.com/podcast/its-a-tremendous-priority-huntington-cfo-wasserman-on-ai
69. US11194637B2: Extensible alerts platform — Google Patents (USPTO), Dec 7, 2021. https://patents.google.com/patent/US11194637B2/en
70. Kristin Milchanowski's AI for All initiative — American Banker, Jun 1, 2026. https://www.americanbanker.com/news/bmos-kristin-milchanowski-is-39-on-the-most-innovative-people-in-finance-ranking
71. BMO Launches Return on Intelligence Podcast — BMO, Apr 24, 2026. https://newsroom.bmo.com/2026-04-24-BMO-Launches-Return-on-Intelligence-Podcast-AI,-Quantum,-and-the-New-Rules-of-Decision-Making
72. US20260119566A1: Machine learning based database search and knowledge mining — Google Patents (USPTO), Apr 30, 2026. https://patents.google.com/patent/US20260119566A1/en
73. First Citizens CEO Frank Holding named to Federal Advisory Council — Reuters, Feb 10, 2026. https://www.reuters.com/sustainability/boards-policy-regulation/first-citizens-ceo-frank-holding-named-federal-advisory-council-2026-02-10/
74. AI Investment Accounted for Nearly Half of Healthcare Investment in 2025 (SVB report) — First Citizens Bank, Jan 8, 2026. https://newsroom.firstcitizens.com/2026-01-08-AI-Investment-Accounted-for-Nearly-Half-of-Healthcare-Investment-in-2025-Silicon-Valley-Bank-Releases-17th-Healthcare-Investments-and-Exits-Report
75. Citizens' latest move further positions Coughlin as next CEO — American Banker, Jul 9, 2026. https://www.americanbanker.com/news/citizens-latest-move-further-positions-coughlin-as-next-ceo
76. How Citi, Citizens, TD deploy AI agents without upsetting humans — American Banker, Nov 20, 2025. https://www.americanbanker.com/news/how-citi-citizens-td-deploy-ai-agents-without-upsetting-humans
77. US20250150457A1: AI-driven integration platform and user-adaptive interface for business relationship orchestration — Google Patents (USPTO), May 8, 2025. https://patents.google.com/patent/US20250150457A1/en
78. TD expands agentic AI across mortgage operations to make banking faster, simpler and more human — TD Bank Group (Canada Newswire via Yahoo Finance), Oct 13, 2026. https://finance.yahoo.com/technology/ai/articles/td-expands-agentic-ai-across-093000362.html
79. Alum Spotlight: Jay Budzik (PhD '03) — Northwestern McCormick School of Engineering, Oct 12, 2026. https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html
80. How U.S. Bank Is Industrializing AI — Forbes (Yahoo Finance), Oct 7, 2026. https://finance.yahoo.com/news/u-bank-industrializing-ai-132012524.html
81. First Citizens Bank Launches New Innovation Banking Brand — First Citizens Bank, Oct 6, 2026. https://newsroom.firstcitizens.com/2026-10-06-First-Citizens-Bank-Launches-New-Innovation-Banking-Brand
82. BMO Earns Top Recognition for Responsible AI Leadership in Global Banking — BMO (CNW via FT Markets), Oct 6, 2026. https://markets.ft.com/data/announce/full?dockey=600-202610060700CANADANWCANADAPR_C6630-1
83. Nearly 7 in 10 Americans Would Let AI Complete Certain Financial Tasks, TD Survey Finds — TD Bank U.S. (Business Wire via Yahoo Finance), Oct 6, 2026. https://finance.yahoo.com/technology/ai/articles/nearly-7-10-americans-let-123000213.html
84. Fifth Third Succeeds Through Empowered Employees (undated page, retrieved 2026-10-01) — The Financial Brand, Oct 1, 2026. https://thefinancialbrand.com/banking-podcasts/fifth-third-succeeds-through-empowered-employees
85. Tech leaders say AI could end humanity. Banks still love it — American Banker, Sep 29, 2026. https://www.americanbanker.com/news/tech-leaders-say-ai-could-end-humanity-banks-still-love-it
86. Citizens Q4 2026 Business Pulse Finds Rising Small Business Optimism Amid Steady Hiring and Increased AI Spending — Citizens (Business Wire via Yahoo Finance), Sep 29, 2026. https://finance.yahoo.com/small-business/articles/citizens-q4-2026-business-pulse-110000359.html
87. Coverbase Adds Third-Party Risk Veterans as Enterprise Adoption Accelerates — Coverbase (GlobeNewswire), Sep 29, 2026. https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html
88. U.S. Bank CFO Survey: Optimism Climbing as Growth and Dealmaking Gain Momentum — U.S. Bank (Business Wire), Sep 29, 2026. https://www.businesswire.com/news/home/20260929120677/en/U.S.-Bank-CFO-Survey-Optimism-Climbing-as-Growth-and-Dealmaking-Gain-Momentum
89. Huntington unites marketing, digital in a push for growth — Banking Dive, Sep 25, 2026. https://bankingdive.com/news/huntington-bank-marketing-digital-brand-customer-experience-vakharia/831361
90. Mark Williamson hired as Head of ATM Banking — Columbus Business First (bizjournals.com), Sep 25, 2026. https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson
91. People use AI to gauge banks' reputations, and its verdicts are harsh — American Banker, Sep 18, 2026. https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh
92. CB Insights Joins Silicon Valley Bank's Partner Network to Give Innovators a Competitive Edge — CB Insights (PR Newswire), Sep 17, 2026. https://prnewswire.com/news-releases/cb-insights-joins-silicon-valley-banks-partner-network-to-give-innovators-a-competitive-edge-302881431.html
93. How Truist Delivers Proactive Insights to Its App and Online Users — The Financial Brand, Sep 16, 2026. https://thefinancialbrand.com/news/banking-technology/how-truist-delivers-proactive-insights-to-its-app-and-online-users-199568
94. Truist (TFC) Q4 2025 Earnings Call Transcript — The Motley Fool (Yahoo Finance), Jan 21, 2026. https://finance.yahoo.com/news/truist-tfc-q4-2025-earnings-144307391.html
95. Truist names Pascal Belaud as chief AI & data officer — Truist, Nov 19, 2025. https://media.truist.com/2025-11-19-Truist-names-Pascal-Belaud-as-chief-AI-data-officer
96. Truist taps Microsoft alum as AI chief — Banking Dive, Nov 20, 2025. https://www.bankingdive.com/news/truist-bank-taps-microsoft-alum-ai-data-chief-belaud/806064/
97. Do banks need a nutrition label for their AI model data? — American Banker, Sep 8, 2026. https://www.americanbanker.com/news/do-banks-need-a-nutrition-label-for-their-ai-model-data
98. Bank of America Fast Facts (undated page, retrieved 2026-10-19) — Bank of America Newsroom, Oct 19, 2026. https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html
99. US Bancorp (USB) Q4 2025 Earnings Call Transcript — The Motley Fool (Yahoo Finance), Jan 20, 2026. https://finance.yahoo.com/news/us-bancorp-usb-q4-2025-215216728.html
100. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Truist Financial (SEC filing), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm
101. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Truist Financial (SEC filing), Jul 31, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000099/tfc-20260630.htm
102. U.S. Bancorp Form 10-K for 2025: financial review and risk factors — U.S. Bancorp via SEC EDGAR, Feb 23, 2026. https://www.sec.gov/Archives/edgar/data/36104/000003610426000011/usb-20251231_d2.htm
103. PNC Financial Services Group Annual Report on Form 10-K for 2025 — PNC via SEC EDGAR, Feb 20, 2026. https://www.sec.gov/Archives/edgar/data/713676/000071367626000020/pnc-20251231.htm
104. TD Bank Group 2025 Annual Report: Management's Discussion and Analysis (Form 40-F, Exhibit 99.2) — TD Bank Group (SEC filing), Dec 4, 2025. https://www.sec.gov/Archives/edgar/data/947263/000156276225000289/ex992.htm
105. BMO's Code of Conduct (Form 6-K, Exhibit 99.1) — Bank of Montreal (SEC filing), Mar 13, 2026. https://www.sec.gov/Archives/edgar/data/927971/000119312526105793/d76162dex991.htm
106. U.S. Bank tops mobile banking ranks for third straight year — American Banker, Sep 23, 2026. https://www.americanbanker.com/news/u-s-bank-tops-mobile-banking-ranks-for-third-straight-year
107. How Truist and Western Alliance deploy AI to fight fraud — American Banker, Jun 4, 2025. https://www.americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud
108. New TD Wealth Virtual Assistant Set to Enhance the Colleague and Client Experience — TD Bank Group, Oct 20, 2025. https://stories.td.com/ca/en/news/2025-10-20-new-td-wealth-virtual-assistant-set-to-enhance-the-colleague

---

Canonical page: https://www.bankingnewsai.com/banks/truist/vs-peers
Part of [BankingNewsAI](https://www.bankingnewsai.com/). Markdown versions of every reference page: append `.md` to the page URL; index at https://www.bankingnewsai.com/llms.txt.