Rudy Lai
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卓
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rudyl.aiAI market researchALPHA

AI @ PNC Financial

Strong regional bank, acquisitions-driven
Industry
Last updated
July 3, 2025 at 10:44 AM

Summary

  • PNC Financial Services has steadily increased its AI adoption since early 2023, launching the AI/ML-powered PNC Claim Predictor to help healthcare clients prevent lost revenue, and progressively expanding AI applications into customer service, fraud detection, automation, and financial advice by 2025.
  • Key leadership figures such as CIO Amanda Agati and CEO Bill Demchak have emphasized AI as a mega trend and strategic priority, with PNC responsible AI efforts guided by its Data and Automation team, showing investment commitments including a 20% increase in AI spending planned for 2026.
  • PNC's AI innovations deliver measurable operational efficiencies and improved customer experiences, automating tasks and enhancing fraud detection to reduce risks, while also leveraging AI to drive business insights and maintain a forward-looking technology stance powering financial services.

VIBE METER

More AI announcements = more VIBE
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5 AI Use Cases at PNC Financial

Fraud Detection
2025
Customer Facing
Traditional
Generative
Agentic
Outcome
Risk
PNC applies AI to detect and prevent fraudulent activities in banking transactions, enhancing security measures and reducing financial risks for both the bank and its customers. [1][2]
Task Automation
2025
Traditional
Generative
Agentic
Outcome
Costs
PNC leverages AI to automate routine operational tasks across banking functions, improving efficiency, achieving operating leverage, and allowing employees to focus on higher-value activities. [1][2]
Personalized Advice
2025
Customer Facing
Traditional
Generative
Agentic
Outcome
PNC employs AI-driven analytics to provide customers with tailored financial advice and real-time insights, enhancing customer experience and enabling proactive financial management. [1][2]
Cash Forecasting
2025
Customer Facing
Traditional
Generative
Agentic
Outcome
PNC utilizes AI to analyze transaction patterns and predict future cash positions for small business clients, facilitating better financial planning and credit management. [1]
Revenue Protection
2023
Customer Facing
Traditional
Generative
Agentic
Outcome
Revenue
PNC uses AI and machine learning with its Claim Predictor tool to identify and prevent inaccurate or insufficient insurance claims in the healthcare sector before submission, thus preventing lost revenue for providers. [1][2]

Timeline

2026 Q1

1 updates

PNC plans to increase overall technology spending by 10% in 2026 with a 20% rise in AI budget, crediting automation for 30 points of operating leverage gain since 2022, emphasizing AI’s continued strategic role.

2025 Q4

1 updates

PNC enhanced AI experimentation through PNC Labs sandbox; incorporated Extend tech for virtual cards, and leadership emphasized a 'people and technology partnership' for responsible AI adoption.

2025 Q3

1 updates

CEO Bill Demchak highlighted practical AI uses in fraud detection, automation, and personalized advice, projecting future advances in credit scoring and compliance monitoring.

2025 Q2

1 updates

PNC showcased AI use in automation, efficiency gains, fraud detection, cash flow forecasting, and client financial management; public articles confirmed longstanding and strategic AI investment.

2025 Q1

1 updates

PNC forecasted continued digital transformation, emphasizing AI’s inflection in finance with efforts to help healthcare clients leverage AI for patient and financial outcomes.

2024 Q4

1 updates

PNC’s Data and Automation team underscored a responsible, balanced approach to AI innovation; PNC Labs sandbox became a focal point to experiment and recruit AI talent.

2024 Q3

1 updates

PNC’s Technology Finance and Advisory Solutions group emphasized AI and cybersecurity as key priorities shaping the technology sector mid-2024.

2024 Q2

1 updates

PNC reported holding 12 AI patents; multiple articles detailed AI applications in customer service, risk management, fraud detection, and healthcare revenue cycle management continuing to expand.

2024 Q1

1 updates

Amanda Agati, CIO, highlighted AI as a significant mega trend impacting markets; PNC discussed AI adoption in nonprofits to boost operational efficiencies.

2023 Q4

1 updates

PNC emphasized AI’s role in healthcare, highlighting Claim Predictor’s capability to identify inaccurate or incomplete insurance claims prior to submission to prevent revenue loss for clients.

2023 Q3: no updates

2023 Q2

1 updates

PNC's Claim Predictor continued to be highlighted as a tool using AI to improve healthcare operations and help providers prevent revenue loss by streamlining claim submission processes.

2023 Q1

1 updates

PNC Treasury Management launched PNC Claim Predictor, an AI and machine learning enabled solution to prevent lost revenue in healthcare by identifying inaccurate insurance claims before submission.