Operational Excellence (OPEX) Insight – Tuesday, January 13, 2026: Wall Street Redesigns Operations with AI: A New Efficiency Race Among Major Banks.
Góc Nhìn Vận Hành Xuất Sắc – Thứ Ba, Ngày 13/01/2026: Wall Street Tái Thiết Vận Hành Bằng AI: Cuộc Đua Hiệu Suất Mới Của Các Ngân Hàng Lớn.
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English
PART 1 – OFFICIAL INFORMATION
In a context where the financial industry is facing mounting cost pressures, intensified competition, and continuous demands for innovation, major Wall Street banks such as JPMorgan Chase, Citigroup, Goldman Sachs, Morgan Stanley, and Bank of America are investing heavily and scaling up the adoption of artificial intelligence (AI) as a central component of their operational and technology strategies toward 2026. According to recently reported information, these institutions are not merely deploying AI in a handful of pilot projects, but are integrating this technology broadly across internal processes to accelerate operational efficiency and build long-term competitive advantage in an increasingly volatile financial environment.
JPMorgan Chase is one of the leading banks in the AI revolution on Wall Street. The group has articulated a technology strategy with a budget of tens of billions of U.S. dollars dedicated to AI development, while simultaneously building internal AI-powered tools to support a wide range of employee groups, from portfolio management to writing employee performance evaluations. A prominent example is Proxy IQ, an internal AI platform designed to replace external shareholder proxy advisory services in shareholder voting decisions for annual general meetings. This system is expected to begin operating in the spring of 2026, marking a significant shift from reliance on external services toward in-house AI technology for critical operational decision-making.
At Citigroup, AI tools were already deployed at scale in 2025 and are continuing to expand into 2026 with substantial usage volumes. According to bank leadership, Citigroup’s internal AI tools have been used millions of times across a variety of activities, such as supporting software development and process automation, saving tens of thousands of working hours each week for multiple employee teams, while simultaneously contributing to improved overall operational efficiency.
Goldman Sachs—with plans to invest billions of U.S. dollars in technology—is also integrating AI to drive productivity and automate complex processes. Although the bank does not disclose detailed information about its AI tools to the same extent as some peers, the continued scale of technology investment remains a core pillar of its competitive strategy in the global market.
At Morgan Stanley, AI solutions such as DevGen.AI have been deployed to support engineering and software development teams, resulting in the saving of hundreds of thousands of working hours within development functions. This demonstrates that AI is not only supporting routine analytical tasks, but is also enhancing productivity in highly specialized professional processes.
Bank of America is likewise an active participant in AI adoption. The group utilizes AI tools across multiple functions, including virtual assistants supporting customer service and internal tools assisting employees. The bank is expected to share further details about its AI strategy at upcoming investor meetings, reflecting a long-term commitment to integrating technology across all aspects of its operations.
Major Wall Street banks increasingly view AI not as a standalone support tool, but as part of a long-term strategic operating mindset. According to the latest reports, they have invested billions of U.S. dollars, trained tens of thousands of employees, and embedded AI into many core processes to strengthen operational capabilities, shorten decision-making cycles, and create competitive advantage in a financial environment that is becoming ever more volatile and complex.
