Artificial intelligence is the ability of computers and machines to perform tasks that typically require human thinking, such as understanding language, recognizing patterns, or making decisions. For investors, it matters because AI can enhance efficiency, uncover new insights, and enable smarter strategies, potentially impacting the value and performance of companies that develop or utilize this technology.
aitechnical
Artificial intelligence (AI) is technology that enables machines to mimic human thinking and learning, allowing them to analyze information, recognize patterns, and make decisions. For investors, AI matters because it can improve how businesses operate, create new products, or identify opportunities faster and more accurately than humans alone, potentially impacting company success and market trends.
data governancetechnical
Data governance is the set of rules and practices that ensure information is accurate, consistent, and used responsibly within an organization. It is like a well-organized library system that keeps track of all the books, making sure they are correct, easy to find, and used properly. For investors, strong data governance helps ensure that the information they rely on is trustworthy and decisions are based on reliable data.
risk managementtechnical
Risk management is the ongoing process of identifying potential events or conditions that could reduce an investment’s value, measuring how likely and how severe those losses could be, and putting controls in place to limit harm—like spreading money across different assets, setting loss limits, or buying insurance. For investors it matters because it turns uncertainty into a manageable plan, helping preserve capital and steady returns much like a seatbelt or a spare tire reduces the downside of unexpected problems.
workflow orchestrationtechnical
Workflow orchestration is the automated coordination of a series of tasks and systems so work happens in the right order, at the right time, without manual intervention — like a conductor ensuring each musician comes in on cue. For investors, it matters because better orchestration can cut costs, speed up operations, reduce errors and compliance risk, and make a business easier to scale and measure, all of which can affect profitability and reliability.
apistechnical
APIs are sets of rules that let different software systems talk to each other, like standardized doorways that let apps, data services and websites exchange information without needing to be rebuilt each time. For investors, APIs matter because they speed product development, enable digital partnerships and data feeds, create new revenue or cost savings, and introduce operational or security dependencies that can affect growth and risk.
net promoter scoretechnical
Net Promoter Score (NPS) is a single-number measure of customer loyalty based on asking customers how likely they are to recommend a company’s product or service to others; responses are grouped and converted to a score from -100 to +100. It matters to investors because a high NPS suggests strong customer satisfaction, lower churn and more organic growth through word-of-mouth—like a reputation score that can predict future sales and brand resilience.
federal deposit insurance corporationregulatory
A U.S. government agency that insures customer deposits at member banks up to a set limit, acting like a safety net so people don’t lose their cash if a bank fails. It matters to investors because it helps maintain confidence in the banking system, reduces the chance of sudden withdrawals or bank runs, and can influence the stability and share prices of banks and financial markets.
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Leading commercial bank to collaborate with OpenAI, building one of the first AI-enabled regional banks in the United States
WEST READING, Pa.--(BUSINESS WIRE)--
Customers Bank (“Bank”), the subsidiary of Customers Bancorp, Inc. (NYSE: CUBI) one of the nation’s top-performing banking companies with nearly $26 billion in assets, today announced a multiyear strategic collaboration with OpenAI to deploy artificial intelligence (“AI”) across its commercial banking operations, marking a defining moment in the Bank’s transformation. This collaboration will position Customers Bank to become one of the first AI-enabled regional banks in the United States.
Leveraging OpenAI’s advanced models, the Bank will seek to reimagine its lending, deposit, and payment lifecycles, with strict data governance and regulatory transparency at its core. This is an expansion of the relationship, which began in 2023 when Customers Bank was an early adopter to deploy ChatGPT Enterprise.
“We expect a fundamental re-engineering of how Customers Bank operates,” said Sam Sidhu, President and CEO of Customers Bancorp. “We have spent the last year building the operational and governance infrastructure to deploy AI at scale. Today, 75% of our team members use tools powered by OpenAI. This strategic collaboration with OpenAI gives us the frontier models, engineering expertise, and ability to co-create a roadmap toward becoming an AI-native bank. This strategic engagement positions us to be the leader in AI adoption among regional banks. By the end of 2026, our bankers will spend more of their time on the work that creates value for clients and our shareholders.”
A Strategic Engagement Built on World-Class AI
This collaboration involves direct onsite engagement with OpenAI’s technical teams and resources. Rather than adopting off-the-shelf AI tools, the deployment allows Customers Bank to work with OpenAI to build custom AI capabilities on the Bank’s own processes, data, and institutional knowledge, starting with three areas where the opportunity is greatest. This allows dedicated bankers to invest more time in Customers Bank’s single point of contact model, keeping customer relationships fully human. All AI capabilities will be deployed within Customers Bank’s secure, enterprise-grade infrastructure, and designed with strict data governance, access controls, and risk management built in from day one.
What Is Being Built: Enterprise-Grade AI Across Three Core Domains
AI deployment at Customers Bank is already in production and advancing rapidly. In this next phase, the Bank will target end-to-end workflow orchestration across three domains that define commercial banking performance:
Lending: AI handling tasks like document collection, credit memoranda preparation, legal documents, and post-closing portfolio and collateral monitoring, so bankers can focus on structuring the right deal and servicing their clients.
Deposits: AI streamlining digital onboarding and account setup, elevating the client experience making it faster and more consistent for our bankers and customers.
Payments: AIaccelerating the payments capabilities of cubiX, the Bank’s proprietary $2 trillion payments platform, to deliver agent-ready APIs and AI-driven risk and compliance tooling.
Institutional Background
Customers Bancorp, Inc. (NYSE:CUBI) is one of the nation's top-performing banking companies with nearly $26 billion in assets making it one of the 80 largest bank holding companies in the U.S. Customers Bank's commercial and consumer clients benefit from a full suite of technology-enabled tailored product experiences delivered by best-in-class customer service distinguished by a Single Point of Contact approach. In addition to traditional lines such as C&I, commercial real estate, and residential and personal lending, Customers Bank also provides a number of national corporate banking services to clients in businesses including: fund finance, venture banking, healthcare, mortgage finance, and equipment finance. Major accolades include:
Named a Top 10 Performing Bank by American Banker for five consecutive years (2021-2025), including the #1 spot in 2024 among midsize banks ($10B to $50B in assets)
No. 45 out of the 100 largest publicly traded banks in 2026 Forbes Best Banks list
Net Promoter Score of 81 compared to industry average of 41
A member of the Federal Reserve System with deposits insured by the Federal Deposit Insurance Corporation, Customers Bank is an equal opportunity lender. Learn more: www.customersbank.com.
