Bank of America Reports Increase in Digital Transactions Enabled by Artificial Intelligence

Bank of America (New York Stock Exchange: BAC) announced a surge in digital activity among its customers, fueled by advanced artificial intelligence, streamlined payment systems, and customized financial planning resources. In 2025, customers interacted with the bank approximately 30 billion times through app logins and automated notifications; This represents an increase of 14 percent compared to the previous year. This milestone underlines the organization’s success in blending technology with daily life banking delivering convenience and security at scale.

nikki katzpresident digital banking The strategic importance of these platforms was emphasized in the company. He noted that cutting-edge digital services are the foundation for building stronger customer relationships and making it simpler and more secure for millions of people to manage their money on a daily basis.

This increase included 16.6 billion mobile and online logins, up 15 percent, and 13.3 billion proactive alerts, up 12 percent. More than 38 million customers now subscribe to these alerts.

Digital adoption remains strong across segments: 81 percent of consumer and small business households, 86 percent of consumers asset management Customers and 86 percent of global banking customers now trust the bank’s online channels.

Overall satisfaction is outstanding; 86 percent of users rate their experience at 9 out of 10 or higher.

At the center of this growth is the bank’s intelligent virtual assistant, Erica. In 2025 alone, 20.6 million users turned to Erica nearly 700 million times to get personalized advice on spending. savingand budgeting.

Since its debut in 2018, the cumulative number of interactions has exceeded 3.2 billion, proving its value in simplifying everyday financial decisions.

PaymentsDevelopments regarding the issue also accelerated.

Peer-to-peer transfer network Zelle currently has 25 million active users on Bank of America.

These customers processed 1.8 billion transactions totaling $556 billion last year, increasing 16 percent in volume and 18 percent in value.

small business Customers were particularly active; They were sending and receiving more than 200 million payments worth $126 billion, up 20 percent and 23 percent, respectively.

By the end of 2025, bank It introduced QR codes and secure Zelle tags, allowing merchants to accept payments while protecting sensitive details.

CashPro, the bank’s global treasury platform operating in more than 145 countries, reported record mobile usage for larger businesses.

Logins increased by 20 percent, while mobile-approved payments reached $1.2 trillion; This corresponds to $38,000 per second and is 15 percent higher than in 2024.

looking beyond transactionsBank of America’s Life Plan tool continues to support long-term goals. Since its 2020 launch, customers have created 21.5 million personalized plans.

Last year, more than three million users chose Spanish as their preferred language, representing 15 percent of respondents.

Those who actively use Life Plan increased their assets in the bank by more than $211 billion.

Katz said the bank is trying to change customer behavior to improve its technology. artificial intelligence and digital capabilities provide timely and relevant guidance that anticipates future needs.

The achievements won widespread recognition.

Bank of America products have been highlighted by JD Power in mobile app satisfaction and mortgage services, as well as in updates from Keynova Group and Forrester (for data and AI impact).

With approximately 70 million customers served through comprehensive branch, ATM and digital networks, Bank of America continues to set the standards of accessible banking United States and globally.