M&T Bank expands enterprise AI after years of technology overhaul

M&T Bank has deployed AI tools to over 15,000 employees, utilizing this technology in internal operations and customer service. The applications include analyzing call center conversations, drafting reports, generating code, and identifying customer needs. The bank is also exploring AI applications in cybersecurity and fraud detection. In September 2025, reports indicated that 16,000 of M&T's approximately 22,000 employees were using Microsoft Copilot for tasks like drafting emails and summarizing call center conversations. Prior to this rollout, the bank restricted access to public large language models due to privacy concerns.