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Plain-English definitions for every AI and banking term used on this platform
23 terms — no jargon left unexplained
AI that can take actions autonomously — not just answer questions, but execute multi-step workflows like researching, analyzing data, and making decisions without human intervention at each step.
Google's enterprise AI search and productivity tool. Wells Fargo is rolling it out to 215K employees. A generic product, not built specifically for banking.
Assets Under Management — the total value of investments a firm manages for clients. A $50B AUM means they're managing $50 billion of other people's money.
Citigroup's AI workspace platform for employees. Uses Google Gemini and Anthropic Claude in a dual-model architecture.
Anthropic's AI coding tool that runs in your terminal and understands entire codebases. Used by developers to write, debug, and ship code faster. Direct competitor to Devin at a fraction of the cost.
A regulatory enforcement action where a government agency (OCC, CFPB, Fed) orders a bank to fix specific problems. Like a legal "fix this or else." Wells Fargo had multiple; all now cleared.
An AI-powered code editor popular with developers. Like VS Code but with built-in AI that suggests, writes, and refactors code in real-time.
Morgan Stanley's internal AI code generation tool. Processed 9M lines of code and saved 280K developer hours. Used to accelerate software development internally.
An AI software engineer built by Cognition Labs. It reads code, writes code, debugs, and runs tests — like having a junior developer that works 24/7. Costs more per seat than alternatives like Claude Code or Cursor.
Bank of America's virtual assistant, launched 2018. Has 3.2B total interactions but uses older intent-matching technology (like Siri), not modern generative AI. 60% of "interactions" are push notifications.
The leading independent ranking of banks' AI capabilities, published by Evident Insights. Evaluates talent, innovation, leadership, and transparency. We weight this highest because we didn't create it.
Wells Fargo's virtual assistant. Handles 1B+ customer interactions. Notable for its "zero PII" architecture — customer data is scrubbed before being sent to external AI models.
Goldman Sachs' internal AI platform running 4 different model families (OpenAI, Anthropic, Google, Meta) — the most diverse multi-model approach in banking.
Large Language Model — the AI technology behind ChatGPT, Claude, and Gemini. Trained on massive amounts of text to understand and generate human language. The foundation of modern AI assistants.
JPMorgan's internal AI platform that gives employees access to multiple AI models (OpenAI + Anthropic) through a single interface. 230K+ employees use it.
JPMorgan's AI-powered trading system that executes trades with 15% better performance than manual trading. Uses reinforcement learning to optimize execution timing and pricing.
Capital One's proprietary Multi-Agent Collaborative AI Workflow framework — a system that coordinates multiple AI agents working together on complex tasks.
Neural Information Processing Systems — the most prestigious AI research conference in the world. Having papers accepted here signals genuine technical depth, not just marketing.
One-Time Password / Magic Link — a secure login method where we email you a unique link. Click it once, you're in. No password to remember or steal.
Personally Identifiable Information — data that can identify a specific person (name, SSN, account number). Banks must protect this. When we say "zero PII to LLM," it means customer data is stripped before AI processing.
Retrieval-Augmented Generation — a technique where AI searches through documents to find relevant information before generating an answer. This is how our chatbot works: it searches 88 research files to answer your questions.
Row-Level Security — a database security feature that ensures users can only see their own data. Your chat history, watchlist, and account are invisible to other users.
An automated investment platform that builds and manages portfolios using algorithms instead of human advisors. Charges 0.25-0.50% vs 1-2% for human advisors. JPM is the only top-5 bank without one.