# USAA Federal Savings Bank vs peers: AI and technology compared

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

*Part of the [USAA Federal Savings Bank AI strategy profile](https://www.bankingnewsai.com/banks/usaa). Peer group: Capital One, Ally Financial, Bank of America, Wells Fargo, JPMorgan Chase, U.S. Bancorp, PNC Financial Services, SoFi Technologies.*

## How does USAA Federal Savings Bank compare with its peers on AI and technology?

USAA Federal Savings Bank scores 63.1 on this site's US AI disclosure index (#46 of 120), last of the nine consumer banks in its peer group, behind Bank of America (97.3), JPMorgan Chase (89), Wells Fargo (88.8), Capital One (86.9), U.S. Bancorp (81.3), SoFi (80.4), Ally (76.5) and PNC (68.2). The gap is how little USAA itself publishes: 8 primary disclosures against a peer median of 20, and 11 dated moves in the last year against 27. What separates it from named peers is the parent's intellectual property and its member-service AI. USAA's 2025 annual report counts more than 3,000 issued patents, more than 240 of them in AI, and in August 2026 Bank of America cross-licensed its whole portfolio with USAA's; Capital One discloses more AI grants: 472 in 2024 alone. USAA's chief data, analytics and AI officer said its customer-facing chatbot could handle 60% to 65% of consumer queries (April 2025), a coverage figure Capital One has never published for Eno. Where USAA trails is scale and cadence: Bank of America reports more than 3 billion Erica interactions and Wells Fargo more than 1 billion for Fargo, while USAA has published no usage count for its EVA assistant, and U.S. Bancorp has an EVP and chief AI officer where USAA's AI lead sits at senior vice president. ([USAA](https://static.usaa.com/content/dam/digital/documents/pdf/brand/2025-annual-report-to-members.pdf), [USAA News](https://newsroom.usaa360.com/news/bofa-and-usaa-enter-patent-cross-license-agreement), [Bank Automation News](https://bankautomationnews.com/allposts/ai/inside-capital-ones-innovation-patent-strategy), [Bank Automation News](https://bankautomationnews.com/banking/usaa-aims-to-unplug-the-keyboard-with-gen-ai), [Capital One](https://www.capitalone.com/digital/tools/eno/), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/press-releases/2025/08/a-decade-of-ai-innovation--bofa-s-virtual-assistant-erica-surpas.html), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [USAA News](https://newsroom.usaa360.com/news/usaa-improving-member-experience-with-faster-modernized-mobile-app), [American Banker](https://www.americanbanker.com/news/benchmarking-ai-adoption-what-u-s-banks-playbook-tells-us), [TechTarget](https://www.techtarget.com/ai/news/366623771/USAA-takes-an-experiment-and-see-approach-with-AI))

## Where does USAA lead its peers on AI?

- **A large AI patent estate that big banks license.** USAA's 2025 annual report counts more than 3,000 issued patents, more than 240 in AI, and Evident counts 218 AI-specific filings since 2014. In August 2026 Bank of America signed a cross-license covering both companies' full portfolios, which both say include AI and machine learning; Capital One discloses more AI grants, 472 in 2024 alone, and Bank of America counts about 1,600 AI-focused patents and applications. ([USAA](https://static.usaa.com/content/dam/digital/documents/pdf/brand/2025-annual-report-to-members.pdf), [Insurance Journal](https://www.insurancejournal.com/news/national/2025/12/22/851830.htm), [USAA News](https://newsroom.usaa360.com/news/bofa-and-usaa-enter-patent-cross-license-agreement), [American Banker](https://americanbanker.com/news/usaa-and-bofa-swap-patent-rights-in-first-two-way-deal), [Bank Automation News](https://bankautomationnews.com/allposts/ai/inside-capital-ones-innovation-patent-strategy), [Banking Dive](http://bankingdive.com/news/bank-of-america-innovation-patents-ai-erica/822768))
- **A published coverage figure for its customer chatbot.** Ramnik Bajaj, USAA's chief data, analytics and AI officer, said in April 2025 that the generative-AI chatbot rolled out to members in June 2024 could tackle 60% to 65% of all consumer queries. Capital One has published no usage or coverage figure for Eno, its assistant since 2017. ([Bank Automation News](https://bankautomationnews.com/banking/usaa-aims-to-unplug-the-keyboard-with-gen-ai), [Capital One](https://www.capitalone.com/digital/tools/eno/), [Reuters](https://www.reuters.com/article/technology/capital-one-launches-eno-gender-neutral-virtual-assistant-idUSKBN16H1RN))
- **More disclosed numbers than most peers.** USAA's profile records 21 disclosed figures, third of nine against a peer median of 16, among them AI Aware training for all 38,000 employees (2024), more than 200 AI tools and products deployed (May 2025) and Fast Track AI on track to waive 45% of life-insurance medical exams (2025 annual report). ([MIT Sloan Management Review](https://sloanreview.mit.edu/article/how-genai-helps-usaa-innovate), [TechTarget](https://www.techtarget.com/ai/news/366623771/USAA-takes-an-experiment-and-see-approach-with-AI), [USAA](https://static.usaa.com/content/dam/digital/documents/pdf/brand/2025-annual-report-to-members.pdf))

## Where does USAA trail its peers on AI?

- **The least primary disclosure in the group.** USAA's profile records 8 primary disclosures on AI, ninth of nine, against 44 for Capital One and 23 for Bank of America (peer median 20), and 11 dated AI moves in the past year against 34 for Bank of America (median 27). Most of USAA's AI record comes from interviews with its executives and the group annual report rather than bank announcements. ([TechTarget](https://www.techtarget.com/ai/news/366623771/USAA-takes-an-experiment-and-see-approach-with-AI), [USAA](https://static.usaa.com/content/dam/digital/documents/pdf/brand/2025-annual-report-to-members.pdf), [Bank Automation News](https://bankautomationnews.com/banking/usaa-aims-to-unplug-the-keyboard-with-gen-ai))
- **No usage figures for its member assistant.** USAA's EVA assistant has personalised the app with machine learning since April 2022, but USAA publishes no interaction count. Bank of America reports more than 3 billion Erica interactions and nearly 50 million users (August 2025), Wells Fargo more than 1 billion Fargo interactions (March 2026) and U.S. Bank 2.5 million Smart Assistant uses a month. ([USAA News](https://newsroom.usaa360.com/news/usaa-improving-member-experience-with-faster-modernized-mobile-app), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/press-releases/2025/08/a-decade-of-ai-innovation--bofa-s-virtual-assistant-erica-surpas.html), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf))
- **AI leadership one level lower than at U.S. Bank and Wells Fargo.** USAA's AI lead, Ramnik Bajaj, is senior vice president and chief data, analytics and AI officer at group level. U.S. Bancorp has an EVP and chief AI officer, Prashant Mehrotra, and Wells Fargo's head of AI, Saul Van Beurden, is also co-CEO of consumer banking and lending. USAA names the fewest AI leaders of the nine (7). ([TechTarget](https://www.techtarget.com/ai/news/366623771/USAA-takes-an-experiment-and-see-approach-with-AI), [American Banker](https://www.americanbanker.com/news/benchmarking-ai-adoption-what-u-s-banks-playbook-tells-us), [Wells Fargo via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202511201615BIZWIRE_USPRX____20251120_BW971693-1))

## Where does USAA 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | [97.3](https://www.bankingnewsai.com/banks/ai-index) | #1 of 120 | [37](https://www.bankingnewsai.com/banks/bank-of-america#sources) | [24](https://www.bankingnewsai.com/banks/bank-of-america#sources) | [16 of 18](https://www.bankingnewsai.com/banks/bank-of-america#where) | [34](https://www.bankingnewsai.com/banks/bank-of-america#timeline) | Erica (and EricaAssist) ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/press-releases/2025/08/a-decade-of-ai-innovation--bofa-s-virtual-assistant-erica-surpas.html), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/press-releases/2026/07/bank-of-america-enhances-ericaassist-with-generative-ai-to-help-.html), [American Banker](https://www.americanbanker.com/news/how-bank-of-americas-erica-does-the-work-of-11-000-people)) |
| [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | [89](https://www.bankingnewsai.com/banks/ai-index) | #6 of 120 | [43](https://www.bankingnewsai.com/banks/jpmorgan-chase#sources) | [20](https://www.bankingnewsai.com/banks/jpmorgan-chase#sources) | [8 of 15](https://www.bankingnewsai.com/banks/jpmorgan-chase#where) | [32](https://www.bankingnewsai.com/banks/jpmorgan-chase#timeline) | LLM Suite ([American Banker](https://www.americanbanker.com/news/how-jpmorganchase-democratized-employee-access-to-gen-ai), [American Banker](https://www.americanbanker.com/video/wib-2025/driving-ai-use-cases-and-adoption-aligning-business-value-data-readiness-and-risk-management)) |
| [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | [88.8](https://www.bankingnewsai.com/banks/ai-index) | #7 of 120 | [32](https://www.bankingnewsai.com/banks/wells-fargo#sources) | [15](https://www.bankingnewsai.com/banks/wells-fargo#sources) | [13 of 16](https://www.bankingnewsai.com/banks/wells-fargo#where) | [33](https://www.bankingnewsai.com/banks/wells-fargo#timeline) | Fargo and the Google Cloud agent stack ([Wells Fargo](https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/fourth-quarter-2023-financial-results.pdf), [VentureBeat](https://venturebeat.com/business/wells-fargos-ai-assistant-just-crossed-245-million-interactions-with-zero-humans-in-the-loop-and-zero-pii-to-the-llm), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [American Banker](https://www.americanbanker.com/news/wells-fargo-plans-to-unleash-googles-agentic-ai-bank-wide)) |
| [Capital One](https://www.bankingnewsai.com/banks/capital-one) | [86.9](https://www.bankingnewsai.com/banks/ai-index) | #9 of 120 | [25](https://www.bankingnewsai.com/banks/capital-one#sources) | [45](https://www.bankingnewsai.com/banks/capital-one#sources) | [13 of 13](https://www.bankingnewsai.com/banks/capital-one#where) | [25](https://www.bankingnewsai.com/banks/capital-one#timeline) | Chat Concierge and the in-house agent stack ([Capital One](https://www.capitalone.com/tech/ai/future-of-ai-car-dealerships-shopping), [Capital One](https://www.capitalone.com/tech/ai/applied-ai-research), [American Banker](https://www.americanbanker.com/news/goldman-sachs-capital-one-prep-for-self-driving-ai-agents)) |
| [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)) |
| [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)) |
| [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)) |
| [USAA Federal Savings Bank (this page)](https://www.bankingnewsai.com/banks/usaa) | [63.1](https://www.bankingnewsai.com/banks/ai-index) | #46 of 120 | [20](https://www.bankingnewsai.com/banks/usaa#sources) | [8](https://www.bankingnewsai.com/banks/usaa#sources) | [8 of 14](https://www.bankingnewsai.com/banks/usaa#where) | [11](https://www.bankingnewsai.com/banks/usaa#timeline) | EagleGPT ([TechTarget](https://www.techtarget.com/ai/news/366623771/USAA-takes-an-experiment-and-see-approach-with-AI)) |

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

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

| Component (weight) | USAA | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 20 | 23.5 | [JPMorgan (43)](https://www.bankingnewsai.com/banks/jpmorgan-chase) | 6th of 9 |
| Use cases in production (10%) | 8 | 13 | [BofA (16)](https://www.bankingnewsai.com/banks/bank-of-america) | 7th of 9 |
| Own primary disclosures (10%) | 8 | 20 | [Capital One (45)](https://www.bankingnewsai.com/banks/capital-one) | 9th of 9 |
| Dated moves, last 12 months (10%) | 11 | 27 | [BofA (34)](https://www.bankingnewsai.com/banks/bank-of-america) | 9th of 9 |
| Disclosed numbers (5%) | 21 | 16 | [BofA (28)](https://www.bankingnewsai.com/banks/bank-of-america) | 3rd of 9 |
| Named AI leaders (5%) | 7 | 13.5 | [JPMorgan (19)](https://www.bankingnewsai.com/banks/jpmorgan-chase) | 9th of 9 |
| Use cases described (5%) | 14 | 15.5 | [BofA (18)](https://www.bankingnewsai.com/banks/bank-of-america) | 6th of 9 |

## What has each bank in USAA'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 |
| --- | --- | --- | --- | --- | --- |
| [USAA Federal Savings Bank](https://www.bankingnewsai.com/banks/usaa) | EagleGPT ([TechTarget](https://www.techtarget.com/ai/news/366623771/USAA-takes-an-experiment-and-see-approach-with-AI)) | [7, incl. Juan C. Andrade (President and Chief Executive Officer, USAA)](https://www.bankingnewsai.com/banks/usaa#people) ([USAA](https://mobile.usaa.com/inet/wc/about_usaa_corporate_governance_executive_council), [Fortune](https://fortune.com/2026/03/01/usaa-ceo-juan-andrade-gen-z-not-as-well-off-as-boomers-gen-x-take-ownership-success)) | Employees on the AI Aware course: All 38,000 (Oct 23, 2024) ([MIT Sloan Management Review](https://sloanreview.mit.edu/article/how-genai-helps-usaa-innovate)) | 9 patents listed on the profile, e.g. US 12,682,402 B1 (Intelligent inspection for property and casualty claims: severity code and loss reports before customers call) ([Google Patents (USPTO)](https://patents.google.com/patent/US12682402B1/en)) | Not surveyed |
| [Capital One](https://www.bankingnewsai.com/banks/capital-one) | Chat Concierge and the in-house agent stack ([Capital One](https://www.capitalone.com/tech/ai/future-of-ai-car-dealerships-shopping), [Capital One](https://www.capitalone.com/tech/ai/applied-ai-research), [American Banker](https://www.americanbanker.com/news/goldman-sachs-capital-one-prep-for-self-driving-ai-agents)) | [9, incl. Richard Fairbank (Founder, Chairman and CEO)](https://www.bankingnewsai.com/banks/capital-one#people) ([Capital One via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/927628/000119312526124157/d860581dars.pdf)) | Evident AI index rank: #2 of 50 (four editions running) (Oct 6, 2026) ([American Banker](https://www.americanbanker.com/news/jpmorganchase-capital-one-top-ai-ranking-once-again), [American Banker](https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens)) | 2 patents listed on the profile, e.g. EP4776166A1: Safeguarding user-facing AI models (Published application) ([Google Patents (EPO)](https://patents.google.com/patent/EP4776166A1/en)) | [12+ open AI roles (Oct 1, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/capital-one#roles) |
| [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) |
| [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Erica (and EricaAssist) ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/press-releases/2025/08/a-decade-of-ai-innovation--bofa-s-virtual-assistant-erica-surpas.html), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/press-releases/2026/07/bank-of-america-enhances-ericaassist-with-generative-ai-to-help-.html), [American Banker](https://www.americanbanker.com/news/how-bank-of-americas-erica-does-the-work-of-11-000-people)) | [17, incl. Hari Gopalkrishnan (Chief Technology and Information Officer)](https://www.bankingnewsai.com/banks/bank-of-america#people) ([The Wall Street Journal](https://www.wsj.com/articles/the-man-behind-bank-of-americas-13-billion-tech-agenda-3d770a2d), [American Banker](https://www.americanbanker.com/news/bofas-cto-is-12-on-the-most-innovative-people-in-finance-ranking)) | Erica interactions per day: 2 million (Jan 22, 2026) ([American Banker](https://www.americanbanker.com/news/how-bank-of-americas-erica-does-the-work-of-11-000-people)) | 8 patents listed on the profile, e.g. US 12,705,363 B2 (Vulnerability detection and mitigation using artificial intelligence in an electronic environment: Generates a vulnerability attribute for a network device from source data using AI.) ([Google Patents (USPTO)](https://patents.google.com/patent/US12705363B2/en)) | [12+ open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/bank-of-america#roles) |
| [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Fargo and the Google Cloud agent stack ([Wells Fargo](https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/fourth-quarter-2023-financial-results.pdf), [VentureBeat](https://venturebeat.com/business/wells-fargos-ai-assistant-just-crossed-245-million-interactions-with-zero-humans-in-the-loop-and-zero-pii-to-the-llm), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [American Banker](https://www.americanbanker.com/news/wells-fargo-plans-to-unleash-googles-agentic-ai-bank-wide)) | [16, incl. Saul Van Beurden (Head of AI)](https://www.bankingnewsai.com/banks/wells-fargo#people) ([Wells Fargo via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202511201615BIZWIRE_USPRX____20251120_BW971693-1), [Bloomberg](https://www.bloomberg.com/news/articles/2026-01-26/wells-fargo-taps-amazon-web-services-executive-to-expand-ai-use)) | Fargo interactions, 2024: 245 million (2024); 336 million since launch at the time (Apr 8, 2025) ([VentureBeat](https://venturebeat.com/business/wells-fargos-ai-assistant-just-crossed-245-million-interactions-with-zero-humans-in-the-loop-and-zero-pii-to-the-llm)) | 6 patents listed on the profile, e.g. US 2026/0087043 A1 (Model-based personal advisor) ([Google Patents (USPTO)](https://patents.google.com/patent/US20260087043A1/en)) | [12+ open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/wells-fargo#roles) |
| [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | LLM Suite ([American Banker](https://www.americanbanker.com/news/how-jpmorganchase-democratized-employee-access-to-gen-ai), [American Banker](https://www.americanbanker.com/video/wib-2025/driving-ai-use-cases-and-adoption-aligning-business-value-data-readiness-and-risk-management)) | [19, incl. Lori Beer (Global Chief Information Officer)](https://www.bankingnewsai.com/banks/jpmorgan-chase#people) ([American Banker](https://www.americanbanker.com/news/chases-lori-beer-is-8-on-the-most-innovative-people-in-finance-ranking)) | Technology employees: 65,000+ (Oct 1, 2026) ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-5-lori-beer-jpmorganchase)) | 6 patents listed on the profile, e.g. US 2026/0010713 A1 (Generative ML framework producing predictive results on financial transactions) ([Google Patents (USPTO)](https://patents.google.com/patent/US20260010713A1/en)) | [12+ open AI roles (Oct 1, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/jpmorgan-chase#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) |
| [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) |
| [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) |

## What are the latest dated moves on the AI record of USAA 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 | [JPMorgan](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million ([CNBC](https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870), [American Banker](https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents)) |
| Oct 13, 2026 | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Q3 2026 call: AI agents in code, marketing, cyber, underwriting ([PYMNTS](https://pymnts.com/earnings/2026/wells-fargo-enhances-banking-capabilities-using-ai-and-digital-assets), [Wells Fargo](https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf)) |
| Oct 13, 2026 | [BofA](https://www.bankingnewsai.com/banks/bank-of-america) | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties ([U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0657), [Office of the Comptroller of the Currency](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html), [Banking Dive](https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915)) |
| 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 | [JPMorgan](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Evident AI Index: first for the fourth consecutive year ([American Banker](https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens)) |
| Oct 6, 2026 | [BofA](https://www.bankingnewsai.com/banks/bank-of-america) | Evident AI Index: seventh, up from tenth ([American Banker](https://americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens)) |
| Oct 6, 2026 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | Second on the Evident AI index for a fourth year ([American Banker](https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens), [Banking Dive](https://www.bankingdive.com/news/banks-ai-guardrails-accelerate/832216/)) |
| Oct 1, 2026 | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Engle: $10 billion technology budget, nearly 200,000 staff with AI tools ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-11-bridget-engle-wells-fargo)) |
| 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 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 29, 2026 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | Natarajan: cutting latency and token costs with smaller, open-weight models ([Fortune](http://fortune.com/2026/09/29/how-banks-are-using-ai-agents-copilots-roi)) |
| Sep 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 | [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 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 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)) |
| 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 4, 2026 | [USAA](https://www.bankingnewsai.com/banks/usaa) | USAA and Bank of America cross-license patent portfolios ([Banking Dive](https://bankingdive.com/news/usaa-bank-of-america-patent-agreement-bofa/827102), [American Banker](https://americanbanker.com/news/usaa-and-bofa-swap-patent-rights-in-first-two-way-deal)) |
| Jul 14, 2026 | [USAA](https://www.bankingnewsai.com/banks/usaa) | Patent granted: loss reports before the customer calls ([Google Patents (USPTO)](https://patents.google.com/patent/US12682402B1/en)) |

## How does USAA's AI assistant compare with other banks' assistants?

What each bank has published about its customer-facing assistant. Figures use different units and dates, so they rank disclosure, not quality.

| Bank | Assistant | Launched | Scale disclosed |
| --- | --- | --- | --- |
| USAA | EVA in the app (machine-learning alerts and natural-language search); a generative-AI chatbot for members; AI phone routing planned | April 2022 (EVA upgrade); June 2024 (chatbot); 2026 (phone routing, planned) | Chatbot able to tackle 60% to 65% of consumer queries (April 2025); no EVA usage published ([USAA News](https://newsroom.usaa360.com/news/usaa-improving-member-experience-with-faster-modernized-mobile-app), [Bank Automation News](https://bankautomationnews.com/banking/usaa-aims-to-unplug-the-keyboard-with-gen-ai), [USAA](https://static.usaa.com/content/dam/digital/documents/pdf/brand/2025-annual-report-to-members.pdf)) |
| Bank of America | Erica | 2018 | More than 3 billion interactions, nearly 50 million users (August 2025) ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/press-releases/2025/08/a-decade-of-ai-innovation--bofa-s-virtual-assistant-erica-surpas.html)) |
| Wells Fargo | Fargo, on Google's conversational AI | Announced October 2022 | More than 1 billion interactions (March 2026) ([Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20221024005103/en/), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones)) |
| U.S. Bancorp | Smart Assistant, voice-first | July 2020 | Used 2.5 million times a month (2025 annual report) ([U.S. Bank](https://usbank.com/about-us-bank/company-blog/article-library/introducing-the-us-bank-smart-assistant.html), [U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf)) |
| Capital One | Eno | March 2017 | Not published ([Reuters](https://www.reuters.com/article/technology/capital-one-launches-eno-gender-neutral-virtual-assistant-idUSKBN16H1RN), [Capital One](https://www.capitalone.com/digital/tools/eno/)) |
| SoFi | SoFi Coach, a chat-based financial guide | June 2026 | Nearly 500,000 conversations (July 2026) ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1), [SEC (SoFi Technologies 8-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000050/a2026q2earningsrelease.htm)) |

## How do USAA's AI platforms compare with its peers'?

Whose models and clouds each bank says it uses. USAA's choices are made at group level for the insurer and the bank together.

| Bank | Models and platforms named | Since | Scale disclosed |
| --- | --- | --- | --- |
| USAA | EagleGPT for the workforce; Google Vertex AI and Gemini; AWS Bedrock; IBM watsonx; Snowflake data cloud; trains its own models | 2024-2025 | More than 200 AI tools and products deployed; code assist for all software engineers ([TechTarget](https://www.techtarget.com/ai/news/366623771/USAA-takes-an-experiment-and-see-approach-with-AI), [Bank Automation News](https://bankautomationnews.com/banking/usaa-aims-to-unplug-the-keyboard-with-gen-ai), [CIO Dive](https://www.ciodive.com/news/usaa-data-analytics-cdao-cloud-migration-snowflake/721672/)) |
| Wells Fargo | Google Cloud and Microsoft Azure; Google Agentspace for all employees | 2021; August 2025 | Nearly 200,000 staff with AI tools (October 2026) ([American Banker](https://www.americanbanker.com/news/wells-fargo-plans-to-unleash-googles-agentic-ai-bank-wide), [American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-11-bridget-engle-wells-fargo)) |
| Capital One | All in on AWS; models customised in-house from open-source LLMs | 2020 | Training set above 20 trillion tokens ([AWS](https://aws.amazon.com/solutions/case-studies/capital-one-all-in-on-aws/), [Capital One](https://www.capitalone.com/digital/gai-transparency/)) |
| JPMorgan Chase | LLM Suite, a proprietary layer over third-party models | 2024 | About 250,000 employees with access ([American Banker](https://www.americanbanker.com/video/wib-2025/driving-ai-use-cases-and-adoption-aligning-business-value-data-readiness-and-risk-management), [American Banker](https://www.americanbanker.com/news/how-jpmorganchase-democratized-employee-access-to-gen-ai)) |
| U.S. Bancorp | Multiyear AWS agreement, Amazon Bedrock and Nova Sonic for AI agents | May 7, 2026 | Hundreds of mission-critical applications moving to AWS ([Banking Dive](https://bankingdive.com/news/us-bank-shifts-critical-apps-aws-ai-push/819964)) |
| PNC | Its own 'AI factory': own GPUs and own models, less reliance on external tokens | June 2026 | Not published ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory)) |
| Ally | Ally.ai over Microsoft's Azure OpenAI Service | June 2023 | 10,000-plus employees with access ([Ally Financial](https://media.ally.com/2023-09-19-Ally-launches-proprietary,-enterprise-AI-platform), [Ally Financial](https://media.ally.com/2025-07-23-Ally-Financial-rolls-out-proprietary-AI-platform-enterprise-wide)) |

## How do USAA's AI patents compare with other banks'?

Counts are not comparable across banks: some count grants, some grants and applications, some only AI-tagged filings. Each row says which.

| Bank | Patents on the record | Licensing or litigation | Date |
| --- | --- | --- | --- |
| USAA | More than 3,000 issued patents, more than 240 in AI; 218 AI-specific filings since 2014 per Evident | Cross-license with Bank of America (August 2026); mobile-deposit suits won against Wells Fargo and PNC (PNC verdict overturned 2025), settled with Truist and Regions | 2025-2026 ([USAA](https://static.usaa.com/content/dam/digital/documents/pdf/brand/2025-annual-report-to-members.pdf), [Insurance Journal](https://www.insurancejournal.com/news/national/2025/12/22/851830.htm), [USAA News](https://newsroom.usaa360.com/news/bofa-and-usaa-enter-patent-cross-license-agreement), [Reuters](https://www.reuters.com/legal/transactional/regions-bank-settles-usaa-lawsuit-over-mobile-banking-patents-2026-02-03/)) |
| Capital One | 472 AI patents granted in 2024, top bank on Harrity's AI Patent 100; more than 5,000 granted U.S. patents | Not on the profile | 2024-2025 ([Bank Automation News](https://bankautomationnews.com/allposts/ai/inside-capital-ones-innovation-patent-strategy), [Capital One](https://www.capitalone.com/tech/ai/innovating-financial-services-through-customer-centered-ai)) |
| Bank of America | About 8,400 patents and applications, about 1,600 AI-focused | Cross-license with USAA (August 2026) | June-August 2026 ([Banking Dive](http://bankingdive.com/news/bank-of-america-innovation-patents-ai-erica/822768), [American Banker](https://americanbanker.com/news/usaa-and-bofa-swap-patent-rights-in-first-two-way-deal)) |
| Ally | Four AI patent families (one granted, three published applications) | Not on the profile | 2026 ([Google Patents (USPTO)](https://patents.google.com/patent/US12651126B2/en), [Google Patents (USPTO)](https://patents.google.com/patent/US20250315626A1/en), [Google Patents (USPTO)](https://patents.google.com/patent/US20260203076A1/en)) |

## Who leads AI at USAA compared with its peers?

The executive each bank has named as accountable for AI.

| Bank | AI executive | Title | On the record |
| --- | --- | --- | --- |
| USAA | Ramnik Bajaj (with CIO Dan Griffiths from February 2026) | SVP, Chief Data, Analytics and AI Officer; leads the AI council | May 2025; February 2026 ([TechTarget](https://www.techtarget.com/ai/news/366623771/USAA-takes-an-experiment-and-see-approach-with-AI), [Banking Dive](https://bankingdive.com/news/usaa-cio-dan-griffiths-santander-tech/811565)) |
| U.S. Bancorp | Prashant Mehrotra | EVP and Chief AI Officer | 2026 ([American Banker](https://www.americanbanker.com/news/benchmarking-ai-adoption-what-u-s-banks-playbook-tells-us)) |
| Wells Fargo | Saul Van Beurden | Head of AI; co-CEO, Consumer Banking and Lending | November 2025 ([Wells Fargo via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202511201615BIZWIRE_USPRX____20251120_BW971693-1)) |
| Capital One | Prem Natarajan | EVP, Chief Scientist and Head of Enterprise AI | 2023 ([Capital One](https://www.capitalone.com/tech/culture/introducing-prem-natarajan/)) |
| Bank of America | Hari Gopalkrishnan | Chief Technology and Information Officer | 2025-2026 ([The Wall Street Journal](https://www.wsj.com/articles/the-man-behind-bank-of-americas-13-billion-tech-agenda-3d770a2d), [American Banker](https://www.americanbanker.com/news/bofas-cto-is-12-on-the-most-innovative-people-in-finance-ranking)) |
| Ally | Mark Mathewson | Chief Information and Data Officer | From July 20, 2026 ([Ally Financial](https://media.ally.com/2026-07-13-Ally-Financial-Names-Mark-Mathewson-Chief-Information-and-Data-Officer)) |

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

USAA Federal Savings Bank is compared here with Capital One, Ally Financial, Bank of America, Wells Fargo, JPMorgan Chase, U.S. Bancorp, PNC Financial Services and SoFi Technologies: chosen by the editors for this page (see the note below the table). USAA Federal Savings Bank is classed as a digital or direct bank in the Southwest.

USAA Federal Savings Bank is a $106 billion, largely digital consumer bank serving the military community, so it is compared with the national consumer banks and direct banks whose cards, checking and digital assistants its members can choose instead, rather than with the smaller digital and specialty lenders in the computed group.

## Common questions

### Is USAA better than Navy Federal at AI?

Neither publishes enough to settle it, and Navy Federal has no profile on this site's index. USAA reports a member chatbot able to handle 60% to 65% of consumer queries, EagleGPT for staff and more than 240 AI patents. Navy Federal has described an AI scam-fighting platform, Cube AI, in use since January 2026, as fraud attempts against its members fell about 25% from 2024 to 2025, and a synthetic-data pilot with Qualtrics. ([Bank Automation News](https://bankautomationnews.com/banking/usaa-aims-to-unplug-the-keyboard-with-gen-ai), [TechTarget](https://www.techtarget.com/ai/news/366623771/USAA-takes-an-experiment-and-see-approach-with-AI), [USAA](https://static.usaa.com/content/dam/digital/documents/pdf/brand/2025-annual-report-to-members.pdf), [Banking Dive](https://www.bankingdive.com/news/navy-federal-credit-union-ai-fraud-scams/830138/), [Banking Dive](https://www.bankingdive.com/news/navy-federal-credit-union-synthetic-data-pilot-qualtrics/823498/))

### Which bank has the better AI assistant, USAA or Bank of America?

Bank of America's Erica is far larger on the record, with more than 3 billion interactions and nearly 50 million users by August 2025. USAA has published no usage count for EVA, its in-app assistant since the April 2022 upgrade; its only published figure is that its generative-AI chatbot could handle 60% to 65% of consumer queries (April 2025). USAA plans an AI phone-routing system for 2026. ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/press-releases/2025/08/a-decade-of-ai-innovation--bofa-s-virtual-assistant-erica-surpas.html), [USAA News](https://newsroom.usaa360.com/news/usaa-improving-member-experience-with-faster-modernized-mobile-app), [Bank Automation News](https://bankautomationnews.com/banking/usaa-aims-to-unplug-the-keyboard-with-gen-ai), [USAA](https://static.usaa.com/content/dam/digital/documents/pdf/brand/2025-annual-report-to-members.pdf))

### How do USAA's AI patents compare with Capital One's?

Both are among the most prolific patent holders in US financial services. USAA counts more than 3,000 issued patents, more than 240 of them in AI, and 460 issued in 2024. Capital One was granted 472 AI patents in 2024 alone, the top bank on Harrity's 2025 AI Patent 100. The counts use different scopes and are not directly comparable. ([USAA](https://static.usaa.com/content/dam/digital/documents/pdf/brand/2025-annual-report-to-members.pdf), [USAA](https://static.usaa.com/content/dam/digital/documents/pdf/brand/mkt-annual-report-to-members-2024.pdf), [Bank Automation News](https://bankautomationnews.com/allposts/ai/inside-capital-ones-innovation-patent-strategy))

### Why does USAA rank last in its peer group on this site's index?

The index scores what is on the public record, and USAA publishes little about its bank's AI: 8 primary disclosures against a peer median of 20, 11 dated moves in the past year against 27, and 7 named AI leaders. Its independent coverage (20 sources) is near the median, and it is third on disclosed numbers. The score does not measure how well USAA uses AI. ([TechTarget](https://www.techtarget.com/ai/news/366623771/USAA-takes-an-experiment-and-see-approach-with-AI), [Bank Automation News](https://bankautomationnews.com/banking/usaa-aims-to-unplug-the-keyboard-with-gen-ai), [USAA](https://static.usaa.com/content/dam/digital/documents/pdf/brand/2025-annual-report-to-members.pdf))

### Which AI vendors does USAA use compared with other banks?

Bajaj told TechTarget in May 2025 that USAA uses Google's Gemini models extensively, AWS Bedrock and IBM watsonx Orchestrate, and trains its own models; call tools are built on Google's Vertex AI and data sits on Snowflake. Wells Fargo pairs Google Cloud with Microsoft Azure, Capital One is all in on AWS, Ally routes to Azure OpenAI, and PNC is building its own AI factory with its own GPUs. ([TechTarget](https://www.techtarget.com/ai/news/366623771/USAA-takes-an-experiment-and-see-approach-with-AI), [Bank Automation News](https://bankautomationnews.com/banking/usaa-aims-to-unplug-the-keyboard-with-gen-ai), [CIO Dive](https://www.ciodive.com/news/usaa-data-analytics-cdao-cloud-migration-snowflake/721672/), [American Banker](https://www.americanbanker.com/news/wells-fargo-plans-to-unleash-googles-agentic-ai-bank-wide), [AWS](https://aws.amazon.com/solutions/case-studies/capital-one-all-in-on-aws/), [Ally Financial](https://media.ally.com/2023-09-19-Ally-launches-proprietary,-enterprise-AI-platform), [American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory))

### Does USAA use agentic AI like other banks?

In September 2025 USAA Savings Bank selected Quavo's platform, which uses agentic AI to automate fraud and dispute handling, and Bajaj said in May 2025 that USAA would adopt agentic AI starting with lower-risk internal workflows. Peers are further along on the record: Capital One's Chat Concierge multi-agent assistant has run on dealer websites since March 2025, and Wells Fargo gave Google Agentspace to all employees in August 2025. ([Quavo via GlobeNewswire (Yahoo Finance)](https://finance.yahoo.com/news/usaa-savings-bank-selects-quavo-100000021.html), [TechTarget](https://www.techtarget.com/ai/news/366623771/USAA-takes-an-experiment-and-see-approach-with-AI), [Capital One](https://www.capitalone.com/tech/ai/future-of-ai-car-dealerships-shopping), [American Banker](https://www.americanbanker.com/news/wells-fargo-plans-to-unleash-googles-agentic-ai-bank-wide))

### How does USAA's AI compare with Capital One's?

Capital One has put far more on the record: it scores 86.9 on this site's index against USAA's 63.1, with 44 primary disclosures against 8. Both are heavy patent holders, Capital One with 472 AI patents granted in 2024 and USAA with more than 240 AI patents among more than 3,000. Capital One builds its own models on AWS; USAA names Google's Gemini, AWS Bedrock and IBM watsonx and also trains its own models. ([Bank Automation News](https://bankautomationnews.com/allposts/ai/inside-capital-ones-innovation-patent-strategy), [AWS](https://aws.amazon.com/solutions/case-studies/capital-one-all-in-on-aws/), [Capital One](https://www.capitalone.com/digital/gai-transparency/), [USAA](https://static.usaa.com/content/dam/digital/documents/pdf/brand/2025-annual-report-to-members.pdf), [TechTarget](https://www.techtarget.com/ai/news/366623771/USAA-takes-an-experiment-and-see-approach-with-AI))

## Peers on this site

- [Capital One AI strategy](https://www.bankingnewsai.com/banks/capital-one) · [vs peers](https://www.bankingnewsai.com/banks/capital-one/vs-peers)
- [Ally Financial AI strategy](https://www.bankingnewsai.com/banks/ally) · [vs peers](https://www.bankingnewsai.com/banks/ally/vs-peers)
- [Bank of America AI strategy](https://www.bankingnewsai.com/banks/bank-of-america) · [vs peers](https://www.bankingnewsai.com/banks/bank-of-america/vs-peers)
- [Wells Fargo AI strategy](https://www.bankingnewsai.com/banks/wells-fargo) · [vs peers](https://www.bankingnewsai.com/banks/wells-fargo/vs-peers)
- [JPMorgan Chase AI strategy](https://www.bankingnewsai.com/banks/jpmorgan-chase) · [vs peers](https://www.bankingnewsai.com/banks/jpmorgan-chase/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)
- [PNC Financial Services AI strategy](https://www.bankingnewsai.com/banks/pnc) · [vs peers](https://www.bankingnewsai.com/banks/pnc/vs-peers)
- [SoFi Technologies AI strategy](https://www.bankingnewsai.com/banks/sofi) · [vs peers](https://www.bankingnewsai.com/banks/sofi/vs-peers)

## Sources

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32. SoFi targets bank deposits with consumer-facing AI — American Banker, Oct 28, 2025. https://americanbanker.com/news/sofi-targets-bank-deposits-with-consumer-facing-ai
33. Introducing SoFi Coach: An AI-Powered Financial Guide to Help Members Get Their Money Right — Business Wire via FT Markets, Jun 2, 2026. https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1
34. Introducing Composer by SoFi: AI-Powered Investing From Idea to Execution — Business Wire via FT Markets, Jun 23, 2026. https://markets.ft.com/data/announce/full?dockey=600-202606230800BIZWIRE_USPRX____20260623_BW095057-1
35. Leveraging AI for Executing a Complex Mobile Migration — SoFi (engineering blog), Jul 6, 2026. https://sofietyblog.sofi.com/leveraging-ai-for-executing-a-complex-mobile-migration
36. Ally Financial rolls out proprietary AI platform enterprise-wide — Ally Financial, Jul 23, 2025. https://media.ally.com/2025-07-23-Ally-Financial-rolls-out-proprietary-AI-platform-enterprise-wide
37. How Sathish Muthukrishnan keeps Ally's data safe from gen AI — American Banker, Jul 31, 2025. https://americanbanker.com/news/how-sathish-muthukrishnan-keeps-allys-data-safe-from-gen-ai
38. Ally developed AI personas to mirror customer behavior — American Banker, Jun 1, 2026. https://americanbanker.com/news/allys-personas-is-on-of-the-innovation-of-the-year-honorees
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40. 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
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48. JPMorganChase still tops AI ranking as big-bank lead widens — American Banker, Oct 6, 2026. https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens
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50. Ally Financial Names Mark Mathewson Chief Information and Data Officer — Ally Financial, Jul 13, 2026. https://media.ally.com/2026-07-13-Ally-Financial-Names-Mark-Mathewson-Chief-Information-and-Data-Officer
51. Consumer lender Ally Financial to sell credit card business to CardWorks — Reuters, Jan 22, 2025. https://reuters.com/markets/deals/consumer-lender-ally-financial-sell-credit-card-business-cardworks-2025-01-22
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55. US 12,705,363 B2: Vulnerability detection and mitigation using artificial intelligence in an electronic environment (Bank of America Corporation) — Google Patents (USPTO), Aug 11, 2026. https://patents.google.com/patent/US12705363B2/en
56. Wells Fargo Taps Amazon Web Services Executive to Expand AI Use — Bloomberg, Jan 26, 2026. https://www.bloomberg.com/news/articles/2026-01-26/wells-fargo-taps-amazon-web-services-executive-to-expand-ai-use
57. US 2026/0087043 A1: Model-based personal advisor system — Google Patents (USPTO), Sep 23, 2025. https://patents.google.com/patent/US20260087043A1/en
58. Lori Beer is turning JPMorganChase into an AI-native bank, and she's got $20 billion to do it — American Banker, Jun 1, 2026. https://www.americanbanker.com/news/chases-lori-beer-is-8-on-the-most-innovative-people-in-finance-ranking
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68. #9 Anthony Noto's leadership may not equate to SoFi's 'Miracle on Ice,' but it's pretty close — American Banker, Jun 1, 2026. https://americanbanker.com/news/sofis-anthony-noto-is-9-on-the-most-innovative-people-in-finance-ranking
69. US20240403952A1 - Training machine learning models with fairness improvement — Google Patents (USPTO), Dec 5, 2024. https://patents.google.com/patent/US20240403952A1/en
70. JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts — CNBC, Oct 13, 2026. https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html
71. JPMorgan CEO Dimon warns customers of 'liability transfer' with AI — Banking Dive, Oct 13, 2026. https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870
72. JPMorgan warns of risks to consumers who rely on AI agents — American Banker, Oct 13, 2026. https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents
73. Wells Fargo Enhances Banking Capabilities Using AI and Digital Assets — PYMNTS, Oct 13, 2026. https://pymnts.com/earnings/2026/wells-fargo-enhances-banking-capabilities-using-ai-and-digital-assets
74. Wells Fargo Reports Third Quarter 2026 Net Income of $6.0 billion, or $1.87 per Diluted Share — Wells Fargo, Oct 13, 2026. https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf
75. U.S. Treasury Announces Record Enforcement Actions Against Bank of America — U.S. Department of the Treasury, Oct 13, 2026. https://home.treasury.gov/news/press-releases/sb0657
76. OCC Imposes $750 Million Assessment Against Bank of America for Deficient BSA/AML Compliance — Office of the Comptroller of the Currency, Oct 13, 2026. https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html
77. BofA fined $1.21 billion over AML — Banking Dive, Oct 13, 2026. https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915
78. How U.S. Bank Is Industrializing AI — Forbes (Yahoo Finance), Oct 7, 2026. https://finance.yahoo.com/news/u-bank-industrializing-ai-132012524.html
79. JPMorganChase still tops AI ranking as big-bank lead widens — American Banker, Oct 6, 2026. https://americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens
80. Banks prioritize responsible AI, governance as use soars — Banking Dive, Oct 6, 2026. https://www.bankingdive.com/news/banks-ai-guardrails-accelerate/832216/
81. The Most Powerful Women in Banking, #11, Bridget Engle, Wells Fargo — American Banker, Oct 1, 2026. https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-11-bridget-engle-wells-fargo
82. The Most Powerful Women in Banking Women to Watch, #9, Stephanie Richard, Ally Financial — American Banker, Oct 1, 2026. https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-9-stephanie-richard-ally-financial
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85. 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
86. SoFi Becomes First National Bank to Go Live with Stablecoin Settlement across Mastercard's Global Payments Network — Business Wire via FT Markets, Sep 22, 2026. https://markets.ft.com/data/announce/full?dockey=600-202609220800BIZWIRE_USPRX____20260922_BW545634-1
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97. Ally launches proprietary, enterprise AI platform — Ally Financial, Sep 19, 2023. https://media.ally.com/2023-09-19-Ally-launches-proprietary,-enterprise-AI-platform
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104. Introducing Prem Natarajan — Capital One, May 24, 2023. https://www.capitalone.com/tech/culture/introducing-prem-natarajan/
105. How Navy Federal harnesses AI to confront scam activity — Banking Dive, Sep 11, 2026. https://www.bankingdive.com/news/navy-federal-credit-union-ai-fraud-scams/830138/
106. What Navy Federal found in its synthetic data pilot — Banking Dive, Jun 23, 2026. https://www.bankingdive.com/news/navy-federal-credit-union-synthetic-data-pilot-qualtrics/823498/
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108. USAA Savings Bank Selects Quavo Fraud & Disputes to Strengthen Compliance and Modernize Dispute Resolution — Quavo via GlobeNewswire (Yahoo Finance), Sep 2, 2025. https://finance.yahoo.com/news/usaa-savings-bank-selects-quavo-100000021.html

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