M&T Bank has deployed AI copilots to over 15,000 employees, integrating generative AI into internal operations, software development, and risk management following a multi-year technology transformation.
Key facts
- •M&T Bank has deployed AI copilots to more than 15,000 of its roughly 22,000 employees.
- •Technology spending at the bank exceeded $1.2 billion in 2025, nearly triple the 2017 level.
- •Annual technology releases at the bank grew from about 15,000 in 2018 to 65,000 in 2025.
- •The bank's internal technology workforce has grown to 80% of its total technology staff, up from less than 50% in 2018.
- •M&T uses data-lineage software to track information across more than 1,800 applications.
M&T Bank has integrated AI copilots into the workflows of more than 15,000 employees to assist with internal operations, customer service, and risk management. This deployment follows a comprehensive technology overhaul that began in 2018, which shifted the bank's workforce from majority-external to 80% in-house technology specialists.
By the numbers
AI Deployment and Governance
The bank utilizes Microsoft Copilot to help staff draft emails and reports, summarize call-center conversations, and generate code. According to Chief Data Officer Andrew Foster, summarizing call-center interactions saves approximately six minutes per call. To ensure security, M&T mandates human review for all AI-assisted work and prohibits the entry of sensitive or proprietary information into unapproved systems, a policy codified in its 2026 Code of Business Conduct and Ethics.
Technology and Data Infrastructure
M&T's AI strategy relies on a data-lineage program that tracks information flow across its systems, utilizing software from Solidatus and Monte Carlo. The bank has also established a Data Academy for employee training and an internal repository called Edison for policy documents. These efforts support the bank's three-pronged AI approach: general employee use, embedding AI into third-party applications, and developing proprietary systems for tasks like fraud detection and cyber defense.
Industry Context
M&T's technology transformation has included replacing dozens of legacy platforms, resulting in an 80% reduction in outages and a 300% increase in annual system upgrades since 2018. Other major US financial institutions are also scaling AI; JPMorganChase has deployed an internal LLM platform to over 200,000 employees, while Bank of America uses its EricaAssist tool to provide real-time guidance to customer service staff.
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This article was independently rewritten by ManyPress editorial AI from reporting originally published by Artificial Intelligence News.
