# Banks Test AI Agents in Performance Reviews

> Banks use AI agents with live performance reviews to cut payment errors by 80%.
- Title: Banks Test AI Agents in Performance Reviews · Pymnts
- Summary: Banks use AI agents with live performance reviews to cut payment errors by 80%. Banks like BNY and DBS use AI agents with live performance reviews to reduce…
- Keywords: bnymellon, microsoft, dbstech, aiagents, performancereviews, finra, banking, business, finance, Banks, Test, Agents
- Source: Pymnts — https://pymnts.com/news/artificial-intelligence/2026/banks-put-ai-agents-through-performance-reviews
- Author: PYMNTS
- Published: 2026-10-09T17:35:28+00:00
- Read time: 1 min
- Topics: bnymellon, microsoft, dbstech, aiagents, performancereviews, finra, banking, business, finance
## BNY's AI Agents
BNY uses 140 digital employees with live performance reviews to track transactions and approvals.

> The bank moves $2.5 trillion in transactions a day.
## Payment Errors Drop 80%
BNY's open payment investigations fell nearly 80% after AI agents replaced broken scripted bots.

> Validations that took up to six minutes now clear in under 30 seconds.
## AI Agents Process Payments
AI agents read vendor addresses, confirm country codes, and pass payments for human review.

> The agent got one job. It reads the vendor address on a cross-border payment, confirms the country code and passes the payment to a person for review.
## DBS Credit Agents
DBS gave credit agents to 1,500 employees globally to handle 70+ tasks for credit memos.

> The agents handle more than 70 tasks. They pull from annual reports, industry research and internal records to build a first draft of a credit memo for a corporate client.
## FINRA Adds AI Oversight
FINRA requires firms to trace AI agent decisions and actions for regulatory compliance.

> The report flags agents acting autonomously without human validation and approval.
## State Regulators Update Rules
State examiners adopt AI supervisory frameworks to monitor AI agent activities.

> The Conference of State Bank Supervisors released an AI supervisory framework on Sept. 16.
## Key takeaway

Banks like BNY and DBS use AI agents with live performance reviews to reduce payment errors and credit memo processing time.