Raymond James Launches Proprietary Digital AI Agent to Bolster Operational Excellence

Rhea-AI Summary

Raymond James (NYSE:RJf) launched a proprietary digital AI operations agent named Rai on Jan 27, 2026 to support operational decision‑making across firm knowledge bases.

Rai uses natural language processing and generative AI to provide curated answers, personalizes by user role and entitlements, and keeps human‑in‑the‑loop oversight. Following a pilot, Rai will be deployed to specific business units with an enterprise‑wide roll out planned in coming quarters. The firm cites >10,000 regular conversational AI users, ~3.2 million lines of AI‑generated code per month under developer oversight, and ongoing access to ChatGPT Enterprise and Microsoft Copilot. Raymond James said this builds on its $1.1 billion annual technology investment to scale secure AI capabilities.

Positive

• $1.1 billion annual technology investment to support AI and innovation
• Rai to roll out enterprise‑wide after successful pilot, expanding AI support
• > 10,000 regular users of conversational AI across the firm
• ~ 3.2 million lines of AI‑generated code created monthly under developer oversight

Negative

• None.

News Market Reaction

-0.42%

1 alert

-0.42% News Effect

On the day this news was published, RJF declined 0.42%, reflecting a mild negative market reaction.

Data tracked by StockTitan Argus on the day of publication.

Key Figures

Annual tech investment: $1.1 billion Net revenues: $14.1 billion Net income: $2.1 billion +5 more

8 metrics

Annual tech investment $1.1 billion Annual technology investment cited for AI and innovation initiatives

Net revenues $14.1 billion Fiscal 2025 net revenues from DEF 14A

Net income $2.1 billion Fiscal 2025 net income available to common shareholders

Return on common equity 17.7% Fiscal 2025 ROE disclosed in proxy statement

Capital returned $1.5 billion Capital returned to shareholders via dividends and buybacks in fiscal 2025

Client assets $1.73 trillion Client assets reported in DEF 14A

Conversational AI users 10,000 users Regular users of conversational AI tools across the firm

AI-generated code 3.2 million lines/month Lines of code created by AI monthly under developer oversight

Market Reality Check

Price: $173.67 Vol: Volume 914,113 is 0.87x t...

normal vol

$173.67 Last Close

Volume Volume 914,113 is 0.87x the 20-day average of 1,052,994, indicating typical activity ahead of this AI launch. normal

Technical Price 169.69 is trading above the 200-day MA at 158.68 and within 4.49% of the 52-week high.

Peers on Argus

RJF gained 0.39% while key peers were mixed: STT +0.89%, NTRS +0.65%, AMP +0.35%...

RJF gained 0.39% while key peers were mixed: STT +0.89%, NTRS +0.65%, AMP +0.35%, OWL -2.14%, CG -0.03%. This points to a stock-specific AI narrative rather than a uniform sector move.

Common Catalyst Three peers (CG, STT, OWL) also reported firm-specific strategic or partnership news, suggesting a busy news day across the group rather than a single macro driver.

Previous AI Reports

2 past events · Latest: Sep 08 (Positive)

Same Type Pattern 2 events

Date	Event	Sentiment	Move	Catalyst
Sep 08	AI leadership hire	Positive	+0.2%	Appointed head of AI strategy to drive firmwide AI initiatives and integration.
Apr 17	AI product launch	Positive	+1.0%	Introduced proprietary generative AI search to improve advisor access to knowledge.

Pattern Detected

Past AI-related announcements have been followed by modest positive price moves, suggesting investors have generally welcomed these technology initiatives.

Recent Company History

Over the past year, Raymond James has steadily expanded its AI strategy. In April 2025, it launched proprietary generative AI Search to enhance access to internal knowledge, and in September 2025 it hired a head of AI strategy, highlighting a $975 million annual technology budget. Today’s launch of the Rai operations agent extends this trajectory of in‑house AI tools focused on service excellence and advisor support.

Historical Comparison

AI

+0.6 %

Average Historical Move

Historical Analysis

In the past year, RJF issued 2 AI-focused updates, with an average move of 0.56%. The Rai launch continues this pattern of incremental, service-oriented AI deployments within an existing tech investment program.

Typical Pattern

AI efforts have progressed from launching generative AI search to building a dedicated AI leadership structure and now deploying an in-house digital AI operations agent, Rai.

Market Pulse Summary

This announcement highlights continued execution of Raymond James’ AI roadmap, adding the Rai digita...

Analysis

This announcement highlights continued execution of Raymond James’ AI roadmap, adding the Rai digital operations agent on top of existing generative AI search and tools. Backed by a $1.1 billion annual technology investment and strong fiscal 2025 results, the firm is emphasizing advisor productivity and controlled deployment. Investors may watch user adoption, integration quality, and how Rai enhances service and operational efficiency over time.

Key Terms

natural language processing, generative AI, human-in-the-loop, conversational AI, +3 more

7 terms

natural language processing technical

"Rai leverages natural language processing and generative AI to provide immediate..."

Natural language processing is a technology that enables computers to understand, interpret, and respond to human language in a meaningful way. It allows machines to analyze large amounts of text, like news articles or social media posts, to identify patterns, trends, or sentiment. For investors, this means gaining faster insights from vast information sources, helping to inform smarter decisions in a rapidly changing world.

generative AI technical

"Rai leverages natural language processing and generative AI to provide immediate..."

Generative AI is a type of computer technology that can create new content, like text, images, or music, on its own. It’s important because it can produce realistic and useful material quickly, which could change how we create art, write stories, or even develop new products. Think of it as a smart robot that can invent and produce things almost like a human.

human-in-the-loop technical

"...to augment informed decision making, while maintaining full human-in-the-loop oversight."

Human-in-the-loop describes systems where people supervise, check, or make final decisions on work performed by automated tools or algorithms. Like a pilot overseeing an autopilot, humans step in to catch errors, interpret nuance, and apply judgment that machines may miss. For investors, this matters because human oversight can reduce operational and regulatory risk, improve decision quality, and increase trust in results produced by automated systems.

conversational AI technical

"...we continue to see high associate utilization rates with more than 10,000 regular users of conversational AI."

Conversational AI is technology that allows computers to understand, process, and respond to human language in a way that feels natural and interactive, similar to chatting with a person. It enables machines to hold conversations, answer questions, and assist with tasks automatically. For investors, it matters because this technology can improve customer service, streamline operations, and create new opportunities across many industries.

CRM technical

"CRM AI note assistant to optimize note taking and easily identify next steps..."

Customer relationship management (CRM) is the set of tools, practices and software companies use to track and manage interactions with customers and potential customers, like an organized digital address book combined with a sales coach. It matters to investors because effective CRM systems can boost sales, improve customer retention and lower marketing costs, which directly affects revenue growth and profit margins — key drivers of a company’s value.

ChatGPT enterprise technical

"Secure access to ChatGPT enterprise and Microsoft Copilot integration"

A paid, business-focused version of a generative AI chat service designed for workplace use, offering stronger data privacy, administrative controls, higher usage limits, and integration tools compared with consumer versions. Investors care because it turns AI capability into a recurring software revenue stream and can boost employee productivity or cut costs, while also introducing operational, compliance, and competition risks that affect company value.

Microsoft Copilot technical

"Secure access to ChatGPT enterprise and Microsoft Copilot integration"

Microsoft Copilot is an AI-powered assistant embedded into Microsoft's apps and cloud services that helps users draft and edit text, summarize information, analyze data, and automate routine tasks. For investors, Copilot matters because it can drive revenue and customer loyalty by making software more valuable and sticky—think of it as adding a smart, time-saving co-worker that encourages businesses to use and pay for more of a company's services.

AI-generated analysis. Not financial advice.

St. Petersburg, Fla., Jan. 27, 2026 (GLOBE NEWSWIRE) -- Building on its service-focused, long-term artificial intelligence (AI) strategy, Raymond James announced the launch of its proprietary digital AI operations agent, dubbed Rai. Rai leverages natural language processing and generative AI to provide immediate, curated natural language answers and guidance to operational questions based on multiple firm knowledge bases while intelligently evolving based on user activities and preferences.

“Rai reflects our strategy of applying artificial intelligence to enhanced service models and secure, scalable applications that empower professionals and financial advisors across the firm,” said CEO Paul Shoukry. “We will continue to deploy our multi-year investment in AI tools and capabilities while steadfastly preserving the personal relationships that remain at the core of our business.”

Rai is an interactive question and answer generative AI chat experience that brings together insights from across Raymond James systems and policies to augment informed decision making, while maintaining full human-in-the-loop oversight. The agent learns over time to consider its user’s role, responsibilities and entitlements to deliver a personalized experience. Following a successful pilot, Rai will become available to specific business units with plans for an enterprise-wide roll out in the coming quarters.

“As an intelligent agent, Rai’s impact will only grow to deliver a bespoke experience for each individual user. Its implementation is the first of several phases that will thoughtfully integrate Rai into our systems and optimize processes firmwide,” said Stuart Feld, Chief AI Officer. “Across our suite of AI-driven technologies, we continue to see high associate utilization rates with more than 10,000 regular users of conversational AI. Additionally, approximately 3.2 million lines of code are being created by AI every month under our developers’ oversight.”

Recent enhancements to the firm’s suite of AI-based tools and technologies include:

• CRM AI note assistant to optimize note taking and easily identify next steps and action items, as well as activities summaries to scan a client’s recent actions to provide an overview of notes, emails and tasks for meeting preparation
• Zoom AI meeting summaries integrated with CRM to easily create and track multiple related activities, notes and tasks as well as draft recap emails
• Generative AI Search to enhance intuitive question and answer search in the firm’s internal knowledge databases
• Secure access to ChatGPT enterprise and Microsoft Copilot integration

Raymond James is committed to ongoing meaningful advancements in AI as part of its $1.1 billion annual investment in technology to explore and apply emerging technologies that enhance enterprise-wide innovation and solutions.

About Raymond James Financial, Inc.

Raymond James Financial, Inc. (NYSE: RJF) is a leading diversified financial services company providing private client group, capital markets, asset management, banking and other services to individuals, corporations and municipalities. Total client assets are $1.77 trillion. Public since 1983, the firm is listed on the New York Stock Exchange under the symbol RJF. Additional information is available at www.raymondjames.com.

Lauren Drobisch
Raymond James Financial
727.567.2824
mediarelations@raymondjames.com

FAQ

What is Rai and when did Raymond James (RJF) announce it?

Rai is a proprietary digital AI operations agent announced on Jan 27, 2026 to provide curated operational guidance using generative AI.

How will Rai be rolled out across Raymond James (RJF)?

Rai completed a pilot and will be released to specific business units first, with an enterprise‑wide roll out planned in the coming quarters.

What scale of AI usage did Raymond James (RJF) report?

The firm reported > 10,000 regular users of conversational AI and ~ 3.2 million AI‑generated lines of code per month under developer oversight.

How does Raymond James (RJF) describe oversight and security for Rai?

Rai operates with human‑in‑the‑loop oversight and the firm highlighted secure integrations including ChatGPT Enterprise and Microsoft Copilot.

What investment is Raymond James (RJF) making in technology to support AI?

Raymond James cited a $1.1 billion annual investment in technology to explore and apply emerging technologies including AI.