Payments is where AI in banking is oldest and most measurable: card-fraud models have scored authorisations for two decades, and the new work is on instant rails (FedNow, RTP, SEPA Instant, UPI, Pix), where a payment is irrevocable in seconds, on the card networks' agentic-commerce and decisioning products, on cross-border screening and routing, and on the data layer open finance exposes. The pages below explain each piece with the operators' own figures and dated sources; the tables after them are computed from this site's 140 bank and 52 fintech profiles, so every row links to a profile and the source it cites.
Pages
| Page | What it answers | Updated |
|---|---|---|
| Real-time payments explained: which rail does what, who is on it, and where AI sits Payments · Real-time rails | FedNow, RTP, SEPA Instant, Faster Payments, UPI and Pix compared on limits, participants and volumes, how banks choose between FedNow and RTP, and how AI fraud scoring works on irrevocable rails. | Oct 17, 2026 |
| Payment networks and bank partnerships: how Visa, Mastercard, Amex and Discover work with banks, and what their AI does Payments · Card networks | How Visa, Mastercard, Amex and Discover work with banks: interchange and FY2025 figures, each network's AI and agentic products with launch dates, and the routes to branded remittance, co-brand and BIN sponsorship. | Oct 17, 2026 |
| Cross-border payments and remittances in 2026: the rails, what they cost and where AI sits Payments · Cross-border and remittances | How cross-border payments and remittances move in 2026 (Swift, card networks, fintechs, stablecoins, linked instant rails), what they cost against the G20 targets, how banks offer branded remittance, and where AI sits. | Oct 17, 2026 |
| Open finance explained: the rules in each market, American Express's position and what AI does with the data Payments · Open finance | Open finance vs open banking, the US 1033, UK, EU PSD3/FIDA, Australia, Brazil and India rules as of October 2026, American Express's position, and AI uses of the data. | Oct 17, 2026 |
| SME cards and tokenisation: how small businesses adopt digital-first cards, the network programmes behind them, and where AI underwrites Payments · SME cards | How SMEs adopt tokenised digital-first cards, Mastercard's and Visa's SME programmes for issuers with dates, the issuer-processor stack, fintech leaders and AI underwriting. | Oct 17, 2026 |
| Embedded payments explained: who holds the money, what it earns and how to evaluate a provider Payments · Embedded finance and BaaS | Who supplies embedded payments and BaaS, the sponsor-bank orders and Synapse, take rates from filings, and a checklist for evaluating Medius, BILL, Tipalti, Coupa Pay or a bank API. | Oct 17, 2026 |
Banks on the record
Which banks have disclosed AI in payments?
80 of the 140 profiled banks record a payments-related AI use case: the strongest-status entry per bank, with the bank's own name for it and the source. Fraud screening on card and instant rails is the most common; wire and check-fraud models, payment-operations assistants and cash-flow forecasting follow. See the fraud detection page for the fraud-only cut.
| Bank | Use case | What the record shows | Status | Date | Source |
|---|---|---|---|---|---|
| JPMorgan | Generative & agentic AI | LLM Suite and agentic workflows. Firm-wide gen-AI platform; agents in production for software testing, private-banking research screening and payments; long-running agents planned for 2026. | In production | Jun 9, 2026 | CNBC, Jun 9, 2026 ↗ +2 |
| BofA | Fraud detection | Person-to-person payment fraud analysis. AI has analysed person-to-person payments for fraud 7 million times, per the CTIO in November 2025; the bank says AI-enabled processes cut fraud losses in half since 2018. | In production | Nov 5, 2025 | American Banker, Nov 17, 2025 ↗ +1 |
| Citi | Credit scoring & underwriting | Cards approval models. At the May 2026 investor day Citi said new AI models in U.S. Cards raised approval rates by 100 basis points; Citi Ventures separately describes underwriting moving from pure rules to rules plus AI. | In production | May 7, 2026 | Citigroup, May 7, 2026 ↗ +1 |
| Wells Fargo | Fraud detection | Payments fraud defence. AI on payment flows of more than $1 trillion a day; guidance to corporate clients on generative-AI fraud. | In production | Jun 1, 2026 | American Banker, Jun 1, 2026 ↗ +1 |
| U.S. Bank | Fraud detection | Treasury fraud defence. Anomaly detection, behavioural intelligence and network analytics on payments. | In production | Jul 22, 2026 | U.S. Bank, Jul 22, 2026 ↗ |
| Capital One | Fraud detection | Socure identity-fraud screening (U.S. Card). Socure says its identity verification raised approval rates and cut false positives for the Capital One U.S. Card team (vendor-reported, 2021); Socure's company page still lists Capital One among organisations using it. | In production | Jun 3, 2021 | Socure, Jun 3, 2021 ↗ +1 |
| Truist | Credit scoring & underwriting | Wholesale underwriting and adviser analytics. AI and predictive analytics to speed underwriting, scale lead generation in payments and wealth, and improve adviser productivity. | In production | Apr 17, 2026 | The Motley Fool (Yahoo Finance), Apr 17, 2026 ↗ +1 |
| BNY | AML / KYC | AI review of restricted-party screening and communications surveillance. Roughly 70% of restricted-party payment screening reviewed by AI; Behavox Quantum AI covers BNY's communication channels across 16-plus languages for compliance and conduct. | In production | Jul 28, 2026 | Fortune, Jul 28, 2026 ↗ +1 |
| Fifth Third | Generative & agentic AI | Newline MCP server with Skills. Clients' AI models use the bank's payments tools through a standard protocol. | In production | Apr 13, 2026 | Fifth Third (Business Wire via Yahoo Finance), Apr 13, 2026 ↗ |
| Huntington | Generative & agentic AI | Treasury connectivity automation. Intelligent automation across 500-plus interfaces for business clients. | In production | Oct 23, 2025 | Huntington, Oct 23, 2025 ↗ |
| BMO | Customer-facing chatbots | Next Best Offer with Codat. Machine learning on payments data recommends products to bankers. | In production | May 4, 2026 | American Banker, May 4, 2026 ↗ +1 |
| First Citizens | Fraud detection | Fraud defence for business clients. Client guidance (a June 2025 webinar with McKinsey) on fraudsters' use of AI and on check fraud, recommending bank-provided controls such as ACH debit blocks and filters. | In production | Jun 24, 2025 | First Citizens Bank, Jun 24, 2025 ↗ |
| Citizens | Fraud detection | Payment-fraud defence. Head of fraud on AI deepfakes, BEC and bank impersonation. | In production | Jan 30, 2026 | Citizens, Jan 30, 2026 ↗ |
| Amex | Credit scoring & underwriting | Linked-account cash-flow data (Business Blueprint, ex-Kabbage). Business Blueprint aggregates linked external business bank and card accounts into cash-flow insights; the Business Line of Credit reviews linked bank-account data in real time for its decision. | In production | Jan 31, 2023 | American Express, Oct 16, 2026 ↗ +2 |
| M&T | Generative & agentic AI | AI cash application. Remittance digitisation and invoice matching for commercial clients. | In production | Jul 16, 2025 | M&T Bank, Jul 16, 2025 ↗ |
| Regions | Generative & agentic AI | RegionsClientIQ and its generative-AI copilot. A machine-learning data product that prioritises client opportunities and flags early credit and attrition risk for commercial and treasury bankers; a gen-AI copilot added in Q1 2026. | In production | Apr 17, 2026 | Regions Financial (SEC filing), Apr 17, 2026 ↗ +1 |
| Pinnacle | Fraud detection | AI-enabled fraud awareness for treasury clients. Guidance that fraudsters use AI too, with human review kept in payment workflows. | In production | Jun 1, 2026 | Pinnacle Financial Partners, Jun 1, 2026 ↗ |
| Santander | Generative & agentic AI | Agentic commerce via Getnet. Merchants can accept payments initiated by AI agents. | In production | Jun 9, 2026 | PYMNTS, Jun 9, 2026 ↗ |
| Western Alliance | Fraud detection | Triangle of Fraud Protection (Digital Disbursements). Real-time screening and AI fraud scoring for class-action settlement payments. | In production | Apr 4, 2025 | American Banker, May 5, 2025 ↗ +1 |
| Zions | AML / KYC | AI processing of W-9 forms and signature cards. About 21,000 W-9 forms and signature cards a year; management reports 'great benefit' from AI in this account-document work. | In production | Jul 21, 2025 | Earnings call transcript (The Motley Fool), Jul 21, 2025 ↗ |
| Webster | Third-party & vendor AI | FDX open-banking connector for commercial clients. Plaid Core Exchange access to accounting, treasury and PFM apps. | In production | Jun 11, 2026 | Business Wire via FT Markets, Jun 11, 2026 ↗ |
| First Horizon | Fraud detection | AI-built detection rules for treasury-management payments. Rules are coded in a day or two when a new fraud scheme appears; matching outgoing payments are stopped and sent to the banker to call the client. The CFO calls fraud the bank's number one AI use case and says fraud is the one area still adding headcount. | In production | Feb 11, 2026 | Investing.com, Mar 3, 2026 ↗ +2 |
| East West | Generative & agentic AI | In-house cross-border funds transfer. Faster US–Hong Kong transfers developed internally; not described as AI. | In production | Mar 2, 2026 | East West Bank, Mar 2, 2026 ↗ |
| Popular | Credit scoring & underwriting | Automatic eligibility decisions on digital loan and card applications (not described as AI). Eligible customers in Puerto Rico and the U.S. Virgin Islands receive an automatic decision on unsecured personal loan and credit card offers without an effect on their credit score; online originations reached $36 million between the third-quarter 2025 launch and year-end. | In production | Jan 1, 2026 | Popular, Inc., Jun 11, 2026 ↗ +1 |
| Old National | Generative & agentic AI | Automated Swift message validation (Axletree Symmetree). Rules-based validation logic flags and corrects non-compliant messages before transmission; the vendor release does not describe it as AI. | In production | Feb 10, 2026 | GlobeNewswire via FT Markets, Feb 10, 2026 ↗ |
| Valley | AML / KYC | AML and fraud alert actioning. Machine-learning models segment risk, identify wire fraud and reduce false positives in AML alert review. | In production | Jul 23, 2026 | Valley National Bancorp (SEC filings), Jul 23, 2026 ↗ |
| BOK Financial | Fraud detection | AI-enabled fraud awareness and controls. Client guidance on generative-AI phishing, deepfakes and ACH/wire social engineering. | In production | Feb 21, 2024 | BOK Financial (The Statement), Feb 21, 2024 ↗ +2 |
| FNB | Third-party & vendor AI | Atomic payroll and payment switching. FNB invested in Atomic in April 2025 and uses it for direct-deposit switching in account opening; the 10-K adds that FNB may rely on third-party AI models whose training data it cannot see. | In production | Apr 1, 2025 | Business Wire, Apr 1, 2025 ↗ +2 |
| SoFi | Fraud detection | AI/ML real-time payment-risk platform for clients. Technology Platform add-on that uses AI and machine learning for clients' payment-fraud mitigation, sold alongside a conversational AI engine. | In production | May 27, 2026 | SEC (SoFi Technologies 10-Q), Aug 6, 2026 ↗ |
| Bank OZK | Third-party & vendor AI | Proprietary applications plus third-party service providers. The 10-K says a mix of proprietary applications and third-party providers supports lending, deposit operations, treasury management and data analytics, and that internal technology teams develop and maintain applications. | In production | Feb 25, 2026 | Bank OZK, Feb 25, 2026 ↗ |
| Commerce | Third-party & vendor AI | Temenos core, origination and payments platform. Deposits (2022), private-bank loan origination and FedNow payments (2024) on one vendor platform. | In production | Feb 20, 2024 | Temenos, Feb 20, 2024 ↗ +1 |
| BankUnited | Fraud detection | Commercial fraud-protection products. BankUnited's guidance names ACH alerts for transactions from unapproved parties, Payee Positive Pay for unmatched checks and Reverse Positive Pay, under which the client approves checks by email before payment; none is described as AI-based. The CEO reported a $10 million fraud loss on one commercial loan in the fourth quarter of 2025. | In production | Jan 21, 2026 | BankUnited, Sep 5, 2025 ↗ +1 |
| FNBO | Fraud detection | Pindrop Fraud Assist for card-fraud investigations. Agentic AI translates and summarises phone calls and generates case documentation for fraud analysts; Pindrop reports 35–40% less investigation time. | In production | Mar 17, 2026 | Pindrop (GlobeNewswire), Mar 17, 2026 ↗ |
| United Bank | Fraud detection | Card Controls alerts and lock in the mobile app. Customers get real-time alerts on unfamiliar or suspicious card use and can freeze or unfreeze a card. The bank does not say whether the alerts rely on machine learning. | In production | Dec 9, 2024 | United Bank, Dec 9, 2024 ↗ |
| City National Florida | Fraud detection | ACH and check Positive Pay, debit block and filtering. Rules-based screening of ACH and check items against issued payments, per-vendor debit filters, and SMS or email alerts; no machine-learning fraud engine is disclosed. | In production | Oct 14, 2026 | City National Bank of Florida, Oct 14, 2026 ↗ |
| Arvest | Fraud detection | Customer fraud education on AI-enabled scams. AI-powered phishing, deepfakes and synthetic identities; push-payment fraud; data quality. | In production | Sep 4, 2024 | Arvest Bank, Apr 3, 2026 ↗ +2 |
| WaFd Bank | Cybersecurity | Defence against AI-enabled attacks and deepfakes. The 10-K names AI-enabled cyber-attacks and deepfake identity fabrication as major concerns; Beardall says bad actors use AI extensively to commit fraud and that treasury-management controls and automation are essential. | In production | Oct 17, 2025 | WaFd, Inc. (SEC filings), Nov 18, 2025 ↗ +1 |
| WesBanco | Generative & agentic AI | Digital banking investment (WesBanco One, treasury management). Digital banking offerings being enhanced; WesBanco One account features described in the SASB disclosure; equipment and software expense up 51.6% in 2025. | In production | Feb 28, 2025 | WesBanco, Mar 2, 2026 ↗ +1 |
| First Interstate | Third-party & vendor AI | Prolific Banking On-Ramp treasury onboarding. Automated enrollment of cash-management customers, reducing manual work and redundant implementation tasks. | In production | May 19, 2026 | Prolific Banking (Business Wire), May 19, 2026 ↗ |
| Customers Bank | Generative & agentic AI | cubiX MCP server and agentic-payment interface. A bank-built MCP server lets LLMs interact with payment rails; the bank says it was the first to publish an MCP, and targets nearly 2 billion client API requests through the agentic interface by year-end 2026. | In production | Jun 10, 2026 | Customers Bank, Jun 10, 2026 ↗ +2 |
| First Hawaiian | Third-party & vendor AI | Core, card and internet-banking providers. 10-K: the bank relies on third-party core banking, credit and debit card and internet-banking services that would be hard to replace; the core vendor is not named. Harrison (July 2026) cites a recent core conversion and a core provider that scales beyond $34 billion. | In production | Feb 27, 2026 | First Hawaiian, Inc. (SEC filings), Feb 27, 2026 ↗ +1 |
| Centennial Bank | Third-party & vendor AI | Core, card and internet-banking providers. The 10-K says operations depend on unnamed third-party core banking, credit card, debit card, branch capture and internet banking services; the legacy platforms converted on 5 to 8 June 2026 and Mountain Commerce follows in November 2026. | In production | Feb 27, 2026 | Home BancShares (SEC filings), Feb 27, 2026 ↗ +2 |
| TowneBank | Customer-facing chatbots | Talkdesk agent assist across loans, cards and online banking. Talkdesk says member support was unified across loans, cards and online banking, with real-time insights, automated summaries and AI-driven knowledge for agents; the bank chose AI features that enhance rather than replace human interactions (vendor description). | In production | Sep 25, 2025 | Talkdesk, Sep 25, 2025 ↗ |
| First Merchants | Fraud detection | Positive Pay for business clients. Check Positive Pay matches account number, check number and amount against issued-check files; ACH Positive Pay adds pre-approved authorisations and transaction-monitoring rules; clients decide exceptions by 3:00 p.m. Eastern. Rules-based, with no AI claimed. | In production | May 18, 2026 | First Merchants Bank, Jun 23, 2025 ↗ +1 |
| Central Bank | Generative & agentic AI | In-house digital and treasury platforms. Mobile app and government and association treasury tools built by the bank's own developers. | In production | Dec 31, 2025 | Central Bancompany (SEC filings), Mar 25, 2026 ↗ |
| Merchants Bank of Indiana | Fraud detection | Wire-fraud customer education. Guidance on verifying payment instructions. | In production | Dec 11, 2024 | Merchants Bank of Indiana, Dec 11, 2024 ↗ |
| Trustmark | Third-party & vendor AI | FIS-supported payments, deposits, teller, sales and imaging. After more than 20 years of self-supporting its core, the bank runs an FIS solution for payment deposits, teller, sales platform and image system, with application-support jobs to be repositioned. | In production | Jul 28, 2026 | Investing.com, Jul 29, 2026 ↗ |
| Bank of Hope | Fraud detection | Customer-set card controls. Consumers block or limit cards by merchant category, transaction type (ATM, e-commerce) and amount, with real-time alerts, in online banking and the app; no AI is disclosed. | In production | Oct 13, 2026 | Bank of Hope, Oct 13, 2026 ↗ |
| Busey Bank | Third-party & vendor AI | Payment technology solutions. Lockbox, ACH, merchant and online payments as a fee line. | In production | Apr 28, 2026 | First Busey Corporation, Apr 28, 2026 ↗ |
| Community Bank N.A. | Third-party & vendor AI | Core-system contract renegotiation and debit-card platform change. A $1.4 million consulting cost in Q3 2025 for renegotiating the core banking system contract is expected to lower future processing costs; Q2 2026 expense includes a one-time $0.6 million early-termination charge for a debit-card processing platform conversion. The 10-K warns that vendors may embed AI in services the company uses. | In production | Nov 6, 2025 | Community Financial System (SEC filings), Oct 21, 2025 ↗ +2 |
| Enterprise Bank & Trust | Fraud detection | AI-fraud awareness for business clients. October 2025 guidance on voice and face cloning, AI-written phishing and fake IDs; recommends multi-factor authentication, known-number call-backs, code words and phishing simulations, and Treasury Management fraud tools. It describes criminals' use of AI, not a bank detection model. | In production | Oct 2, 2025 | Enterprise Bank & Trust, Oct 2, 2025 ↗ +1 |
| First United Bank | Fraud detection | Business fraud education: AI-generated fake invoices. Guidance to train staff, update cybersecurity systems and review vendor-payment protocols. | In production | Nov 13, 2025 | First United Bank, Nov 13, 2025 ↗ |
| BancFirst | Fraud detection | Debit-card fraud detection programs. The 2024 sustainability report says BancFirst runs 'various fraud detection programs to search for and alert customers of potential fraud' on its debit cards. It names no vendor and does not describe the programs as AI. | In production | Nov 25, 2024 | BancFirst Corporation, Nov 25, 2024 ↗ |
| Commonwealth Bank | Fraud detection | NameCheck payee verification on first-time payments. AI and matching logic check payee account details on first-time payments and prompt the customer on a mismatch; American Banker reported about A$300 million saved in the first year after 2023 launch, and the AGM address says 5.9 million intelligent first-time-payment warnings have been sent since September 2024. | In production | Jun 25, 2024 | American Banker, Jun 25, 2024 ↗ +1 |
| NatWest | Fraud detection | Fraud Triage Agent in Cora. Customers worried about a suspicious credit card transaction describe what happened and are routed to the right fraud, scam or dispute team; nearly 19,000 customer conversations had been handled since launch by 25 September 2026. | In production | Sep 25, 2026 | NatWest Group, Sep 25, 2026 ↗ |
| BBVA | Customer-facing chatbots | Blue, the customer assistant. Generative-AI assistant in the BBVA app: 150 queries and transactions, over 3,000 questions, can send Bizum payments; Blue Enterprise serves business clients; the CEO says it is evolving into a financial assistant. | In production | Feb 14, 2025 | BBVA, Feb 14, 2025 ↗ +3 |
| Scotiabank | Credit scoring & underwriting | Credit-card pre-approval and mortgage verification. AI-powered credit-card pre-approval decisioning and offer personalisation appear in the Q3 2026 deck; in September 2026 management said AI cut mortgage-underwriting verification time by almost 70%. No model, data or fairness-testing detail is public. | In production | Aug 25, 2026 | Scotiabank (The Bank of Nova Scotia), Aug 25, 2026 ↗ +1 |
| Standard Chartered | Customer-facing chatbots | Trust AI Ask at Trust Bank. A conversational feature in the app of Trust Bank, which is backed by Standard Chartered and FairPrice Group, for questions about card transactions by merchant, category or overseas spend; it is to be extended to accounts, transfers and rewards. | In production | Sep 8, 2026 | The Straits Times, Sep 11, 2026 ↗ |
| Santander | Credit scoring & underwriting | Credit-card eligibility at onboarding (Spain). Machine learning and real-time data assess at onboarding whether a new customer may be eligible for a credit card from day one. | In production | Jun 22, 2026 | Banco Santander, Jun 22, 2026 ↗ |
| DBS | Fraud detection | AI fraud and scam monitoring. An AI/ML system flags high-risk transactions in less than 10 milliseconds; DBS also uses AI with behavioural science to trigger prompts that make customers pause before a possibly coerced payment. | In production | Oct 29, 2025 | DBS Group Holdings, Oct 6, 2025 ↗ +1 |
| Société Générale | Trading & capital markets | Intraday Liquidity Steering. A machine-learning model forecasts euro account balances in real time at 30-minute, 1-hour and 2-hour horizons so treasury can smooth payments; the flagship publication reports a 10% reduction in euro intraday liquidity usage and related reserve costs. | In production | Feb 1, 2025 | Societe Generale, Feb 1, 2025 ↗ |
| Schwab | Customer-facing chatbots | Charley. Gen-AI assistant for retail clients that answers questions and completes tasks (transfers, payments, trading actions, beneficiary changes, alerts) by voice or text; connects to a Schwab representative when needed. | Rolling out | Sep 30, 2026 | Charles Schwab, Sep 30, 2026 ↗ +1 |
| HSBC | Generative & agentic AI | Smart Checking: AI document extraction for trade finance. Extracts and classifies information from complex trade-finance documents, accelerating processing and payments. | Rolling out | Sep 28, 2026 | PYMNTS, Sep 28, 2026 ↗ |
| EverBank | Third-party & vendor AI | API-first vendor stack for digital banking. FIS Digital One for consumer online banking and online and branch account opening (go-live planned summer 2024), Backbase for commercial and treasury banking, Genesys for the call centre and LendingLink for loan origination. | Rolling out | Apr 17, 2024 | Bank Automation News, Jul 9, 2024 ↗ +2 |
| Associated | Generative & agentic AI | Commercial workflow automation. Portfolio management, treasury and payments first; then loan processing and client insights. | Rolling out | Jun 30, 2026 | Associated Banc-Corp, Jun 30, 2026 ↗ |
| Banc of California | Generative & agentic AI | Payments platform scaling (BancEdge, formerly Deepstack). Merchant acquiring and full-stack processing; the Los Angeles Business Journal ties the push to instant-payment demand and AI-driven change. | Rolling out | Aug 6, 2025 | Los Angeles Business Journal (reprint posted by Banc of California), Mar 9, 2026 ↗ +1 |
| Optum Bank | Generative & agentic AI | Optum Real with Microsoft, the claims platform to be joined to Optum Financial payments. Optum Insight product with Azure, Dragon Copilot and Foundry capabilities for coverage prediction, chart intelligence and AI-assisted prior authorisation; pilots include Owensboro Health. Optum Financial is not named as a user in the March 2026 announcement. | Rolling out | Jan 27, 2026 | Optum, Mar 5, 2026 ↗ +1 |
| TD Bank Group | Customer-facing chatbots | AI collections agent. TD's first collections agent raised the rate at which it reaches customers behind on loan payments to between 20% and 25% from about 6% to 7% with human callers, per Chun in September 2026. | Rolling out | Sep 9, 2026 | Investing.com, Sep 9, 2026 ↗ +1 |
| Synchrony | Generative & agentic AI | Agent payment standards: Mastercard, Visa, Google AP2 and MCP. The Agentic Commerce team works with Mastercard and Visa on agent pay frameworks, contributes to Google's AP2 and uses the Model Context Protocol to expose loyalty, rewards and financing terms to agents; the stated aim is agent identity, payment tokens and authorisation. | Pilot | Oct 24, 2025 | Synchrony, Oct 24, 2025 ↗ +1 |
| ING | Fraud detection | Agentic payments with Worldline and Mastercard. A live end-to-end agentic payment on European infrastructure, plus a six-bank principles paper that asks for audit trails and dispute processes for agent-initiated payments. | Pilot | Jun 2, 2026 | Finextra, Jun 2, 2026 ↗ +1 |
| HSBC | Generative & agentic AI | Agentic card payments with Visa (HSBC UK) and Mastercard (Hong Kong). An HSBC UK card completed an end-to-end AI-initiated purchase on a live merchant site in July 2026; HSBC cards took part in Mastercard's first live agentic transaction in Hong Kong in March 2026. | Pilot | Mar 27, 2026 | Finextra, Jul 15, 2026 ↗ +1 |
| BMO Financial Group | Third-party & vendor AI | Codat next-product recommendations for business clients. Machine learning on payments and payables data from more than 20 accounting and ERP systems, shared with treasury and payments salespeople. | Pilot | May 4, 2026 | American Banker, May 4, 2026 ↗ |
| Barclays | Generative & agentic AI | Visa Agentic Ready: agent-initiated card payments. Barclays is among the early issuing partners in a Visa programme to test and validate payments initiated by AI agents in controlled production environments, starting in Europe and the UK. | Pilot | Mar 17, 2026 | Visa, Mar 17, 2026 ↗ |
| Barclays US | Generative & agentic AI | Agentic commerce readiness with Visa. Expanded agreement targets agent-initiated and account-to-account payments. | Announced | Oct 29, 2025 | PYMNTS, Oct 29, 2025 ↗ |
| Atlantic Union | Generative & agentic AI | Large language models for teammate productivity. LLM capabilities 'like Chat GPT or Copilot', teammate productivity and customer experience first; AI-powered relationship insights planned for treasury relationship managers. | Announced | Dec 10, 2025 | Atlantic Union Bankshares (SEC filings), Dec 10, 2025 ↗ |
| Hancock Whitney | Fraud detection | Payments-fraud policy position. FDIC response of 18 September 2025 asks for a federal fraud office, platform accountability and a Regulation CC fraud-hold exemption; no AI detection tooling is named. | Announced | Jun 18, 2025 | FDIC, Sep 18, 2025 ↗ |
| Nicolet | Fraud detection | AI as a fraud accelerant. The 10-K warns AI and quantum computing could exacerbate card, check and social-engineering fraud; no AI-based defence is described. | Announced | Feb 27, 2026 | Nicolet Bankshares (SEC filing), Feb 27, 2026 ↗ |
| Dime | AML / KYC | Quantifind AI sanctions screening for payments. AI risk intelligence combining internal data with unstructured public information to screen payments for sanctions exposure; Dime announced the selection, not a go-live date. | Announced | Jun 4, 2025 | Quantifind (PR Newswire), Jun 4, 2025 ↗ |
| Lloyds | Fraud detection | Scam Check for payment journeys. Customers upload screenshots of an item they plan to buy and receive tailored warnings from machine-learning image analysis. | Announced | Jun 8, 2026 | Lloyds Banking Group, Jun 8, 2026 ↗ |
| MUFG | Customer-facing chatbots | Agentic commerce and agentic payments with Google Cloud and ChatGPT. Payment infrastructure on Google Cloud for AI agents that support purchase, payment and financial decisions, and a possible connection to Apps in ChatGPT and the Agentic Commerce Protocol. | Announced | Nov 12, 2025 | Mitsubishi UFJ Financial Group, Inc., May 7, 2026 ↗ +2 |
DATA AS OF OCT 16, 2026 · 140 banks · 243 documents · 49 vendors · 4,775 sources
Numbers
What results have banks published for AI in payments?
| Bank | Metric | Value | Date | Source |
|---|---|---|---|---|
| Fulton | Customer interactions serviced a year (contact centre, sales, treasury management, back office) | > 3 million | Sep 30, 2026 | NICE, Sep 30, 2026 ↗ |
| SoFi | Card programme moved to SoFiUSD settlement on Mastercard | > $25 billion annualised | Sep 22, 2026 | Business Wire via FT Markets, Sep 22, 2026 ↗ |
| BofA | Corporate RTP transaction volume (Jan–Jul 2026 vs 2025) | +48% | Jul 31, 2026 | Bank of America Newsroom, Sep 29, 2026 ↗ |
| BofA | Corporate RTP transactions above $1 million (Jan–Jul 2026 vs 2025) | +351% | Jul 31, 2026 | Bank of America Newsroom, Sep 29, 2026 ↗ |
| Texas Capital | Treasury product fees, Q2 2026 | $12.5 million (+8% y/y) | Jul 22, 2026 | Investing.com, Jul 22, 2026 ↗ |
| Santander | Card-fraud claims automation in Brazil | about 95% faster, up to 90% automated, error rate below 1% | Jun 22, 2026 | Banco Santander, Jun 22, 2026 ↗ |
| Fifth Third | Real-time payments throughput / annualised tech savings | 35 → 140 transactions a second / $200 million | Jun 1, 2026 | American Banker, Jun 1, 2026 ↗ |
| U.S. Bank | Merchant statements processed by STAT in the past year | 30,000+ (3,500+ in the latest month) | May 26, 2026 | U.S. Bank, May 26, 2026 ↗ |
| Citi | Cards approval-rate gain from new AI models | +100 basis points | May 7, 2026 | Citigroup, May 7, 2026 ↗ |
| Barclays US | Rewards-card holders using AI to find travel deals (Burson survey, n=1,002) | 46% | May 7, 2026 | PR Newswire (Barclays), May 7, 2026 ↗ |
| Wells Fargo | AI experiments in payments | 335 run; 26 live in production | May 5, 2026 | American Banker, May 5, 2026 ↗ |
| Wells Fargo | Use cases enabled by the AI platform | 85% (payments business) | May 5, 2026 | American Banker, May 5, 2026 ↗ |
| Texas Capital | Treasury product fee growth, full year 2025 | +24% | Jan 22, 2026 | The Motley Fool (Yahoo Finance), Jan 22, 2026 ↗ |
| BankUnited | Organisations reporting payment-fraud attempts in 2024 | 79% | Jan 9, 2026 | BankUnited, Jan 9, 2026 ↗ |
| Optum Bank | Healthcare payments processed by Optum Financial each year | > $500 billion | Jan 8, 2026 | Optum, Jan 8, 2026 ↗ |
| Optum Bank | Providers connected to Optum Financial payment delivery | 2.5 million at NPI level; about 400,000 at tax-ID level | Jan 8, 2026 | Optum, Jan 8, 2026 ↗ |
| Prosperity | Credit and debit card, data processing and software amortization expense, 2025 | $48.6 million (+2.8%) | Dec 31, 2025 | Prosperity Bancshares (SEC filings), Feb 26, 2026 ↗ |
| Commerce | Commercial card volume, 2025 | $9.9 billion | Dec 31, 2025 | Commerce Bancshares, Jul 27, 2026 ↗ |
| FNBO | Principal charge-off rate, credit cards | 4.92% in 2025 (5.52% in 2024) | Dec 31, 2025 | First National of Nebraska / FNBO, Mar 18, 2026 ↗ |
| Bank of Hawaii | Debit card activations / PIN management handled digitally | 29% / 36% | Dec 31, 2025 | Bank of Hawaii Corporation (SEC filings), Mar 13, 2026 ↗ |
In their words
What have bank executives said about AI in payments?
| Bank | Who | Quote | Date | Source |
|---|---|---|---|---|
| Amex | Luke Gebb, EVP and Head of Global Innovation | “Providing authorized purchase intent before an agent transacts can give issuers greater confidence that an agent is acting as a customer intended, while also helping issuers proactively manage risk and reduce the chance of costly disputes across the payments ecosystem.” | Oct 13, 2026 | American Express via FT Markets, Oct 13, 2026 ↗ |
| Citi | Debopama Sen, Head of Payments, Services | “Our approach is about applying the right technology to the right challenge.” | Oct 1, 2026 | American Banker, Oct 1, 2026 ↗ |
| Amex | Anna Marrs, Group President, Global Merchant and Network Services | “It's less about tech and more about trust. Our card members need to trust the agent and the merchants need to know the transaction will work.” | Oct 1, 2026 | American Banker, Oct 1, 2026 ↗ |
| First Merchants | Mike Stewart, President, First Merchants Corporation (CEO from 1 January 2027) | “Our strategy is to build on our Midwestern strength, growing through more and deeper relationships, smarter use of technology, and customer-centric products that expand our reach.” | Oct 1, 2026 | First Merchants Bank, Oct 1, 2026 ↗ |
| BNY | Carl Slabicki, Head of Commercial, Global Payments & Trade | “AI is changing the fraud landscape, amplifying social engineering, making deepfakes convincing, and scaling synthetic identity and account takeover.” | Sep 17, 2026 | PYMNTS, Sep 17, 2026 ↗ |
| BancFirst | BancFirst Corporation (Form 10-Q), Company filing, forward-looking-statement factors | “Technological changes, artificial intelligence, fintech competition and disruption to the traditional banking systems, including emerging regulation around stablecoins, tokenized deposits, blockchain technology in payment networks and market acceptance of digital assets.” | Aug 7, 2026 | BancFirst Corporation (SEC filing), Aug 7, 2026 ↗ |
| Merchants Bank of Indiana | Michael J. Dunlap, President and Chief Operating Officer | “With 10-year Treasury rates remaining elevated, our diversified business model continues to create multiple sources of earnings support in the current rate environment.” | Jul 28, 2026 | Merchants Bancorp (PR Newswire), Jul 28, 2026 ↗ |
| TowneBank | William I. Foster III, President and CEO | “Since the beginning of the year, we have added 24 experienced Towne Bankers, including four market executives, eight private and commercial bankers, and two treasury sales officers.” | Jul 22, 2026 | TowneBank (GlobeNewswire), Jul 22, 2026 ↗ |
Fintechs
Which fintechs and networks are profiled on payments AI?
| Company | Category | Platform | Payments-related AI on the record |
|---|---|---|---|
| Nubank | Neobank | nuFormer | nuFormer underwriting; AI customer-support agents; Pix by voice, text and image (app and WhatsApp) |
| Revolut | Neobank | AIR (AI by Revolut) | AIR (AI by Revolut); AI card-scam detection |
| Chime | Neobank | Jade (Jade Financial Partner) | Transformer event-sequence risk models |
| Monzo | Neobank | Monzo Ops Agent and Fincrime Agent | Monzo Ops Agent; Fraud Prevent agent; Payment Limit Increase Agent and Fraud Protect agents |
| Starling | Neobank | Starling Assistant | Starling Assistant (personal); Invoice-fraud checks in Starling Assistant |
| Dave | Neobank | CashAI | Dave Flex Card underwriting |
| MoneyLion | Neobank | Engine by MoneyLion (now Engine by Gen) | posture only |
| Current | Neobank | Current Core (proprietary banking core and AI infrastructure) | AI-powered financial services (Series E use of funds); Build card: credit building without a credit check |
| OnePay | Neobank | OnePay AI platform layer (support agents, Arnab, Tokki, Penny, OnePay for Agents) | Google Agent Payments Protocol (AP2); Partner-underwritten credit (Synchrony, Klarna, Upgrade) |
| Upgrade | Neobank | Upgrade's machine-learning underwriting (with FairPlay fairness monitoring and Upgrade Assist) | Pagaya AI credit decisioning in Flex Pay |
| Bluevine | Neobank | Bluevine's AI support and risk stack | ML in check processing and fraud controls |
| Novo | Neobank | Novo Bookkeeping (AI-powered expense categorisation) | Novo Funding cash-flow decisioning; Debit card security monitoring |
| Relay | Neobank | Relay AI expense categorisation (Expense Management) | Relay AI GL coding and receipt matching; AI-assisted accounting rules; Relay Bot (Rae virtual assistant); No sensitive data in the bot |
| Found | Neobank | Found Assistant (with the Found MCP connector) | Automatic bookkeeping and tax estimates; Approval and read-only guardrails; Partner-bank dependency |
| Affirm | BNPL & lending | Transformer-based underwriting model | Real-time bank-account signals; Pay-over-time inside AI shopping agents; AdaptAI personalized credit offers |
| Klarna | BNPL & lending | Klarna AI Assistant | Klarna Shopping Search in ChatGPT; Real-time underwriting; Real-time fraud detection |
| Oportun | BNPL & lending | Oportun credit model (V13) and Set & Save | Bank-transaction model (Plaid Check) |
| PayPal | Payments | PayPal agentic commerce services (agent ready and store sync) | Store sync and agentic checkout on AI platforms; Agent ready; Merchant AI Integration Agent; Checkout support for Meta's Muse |
| Stripe | Payments | Payments Foundation Model and the Agentic Commerce Suite | Radar and the Payments Foundation Model; Agentic Commerce Protocol and Instant Checkout; Agentic Commerce Suite; Link wallets for agents; Shared Payment Tokens |
| Adyen | Payments | Adyen Uplift | Adyen Agentic |
| Circle | Payments | Circle Agent Stack (Agent Wallets, Agent Marketplace, Circle CLI, Nanopayments, Circle Skills) | Agent Wallets and Nanopayments |
| Remitly | Payments | AI-powered virtual support assistant | Electronic KYC and real-time payment authentication; AI-assisted treasury and FX |
| Toast | Payments | Toast IQ | Toast Capital origination models |
| Checkout.com | Payments | Intelligent Acceptance | Intelligent Acceptance; Fraud Detection Pro |
| Marqeta | Payments | Real-Time Decisioning ML Risk Score and the Marqeta MCP Server | Real-Time Decisioning ML Risk Score; Marqeta MCP Server |
| Visa | Card network | Visa Intelligent Commerce | A2A Protect (with Featurespace); Scam Disruption with generative AI tools |
| Mastercard | Card network | Mastercard Agent Pay | Agent Pay for Machines; Decision Intelligence Pro; Recorded Future and Mastercard Threat Intelligence; Agent Suite and Virtual C-Suite |
| Robinhood | Brokerage | Robinhood Cortex | Agentic Credit Card |
| Coinbase | Brokerage | x402 and Coinbase for Agents | x402 agent payments on Base; Coinbase for Agents (AiFi) |
| Ramp | Business finance & infrastructure | Ramp agents | Agents for accounts payable; Invoice fraud checks by AP agents; Accounts Receivable agents |
| Brex | Business finance & infrastructure | Brex AI agents | Multi-agent customer onboarding |
| Plaid | Business finance & infrastructure | Plaid transaction foundation model | Transaction foundation model |
| Navan | Business finance & infrastructure | Navan Cognition and Ava | Corporate-card credit decisioning |
| Mercury | Business finance & infrastructure | Mercury Command (with Agent Cards and Mercury MCP) | Mercury Command; AI Agent Cards; AI guardrails and audit trail |
| Payoneer | Business finance & infrastructure | AI-native platform programme (Oscilar AI risk decisioning, agentic AI pilots) | Oscilar AI risk decisioning; AI recipient-name matching |
Navigate
When a bank, network or fintech moves on payments AI, the next morning's brief says so
when one of these regulators moves, the next morning's brief says so · six sourced stories · 7 am PT · free
plus every regulation, bank and agent page update, the morning after · leave any morning