# Fifth Third Plans to Beat AI Disruptors at Their Own Game

> Fifth Third Bank uses customer relationships to outpace AI-driven deposit tools with bank-grade security.
- Title: Fifth Third Plans to Beat AI Disruptors at Their Own Game
- Summary: Fifth Third Bank uses customer relationships to outpace AI-driven deposit tools with bank-grade security. Fifth Third Bank will integrate AI services into…
- Keywords: fifth third, tim spence, ai disruptors, deposit tools, bank-grade security, muse, newline, visa, multinational program, business, finance, Fifth
- Source: Pymnts — https://pymnts.com/news/banking/2026/fifth-third-plans-beat-ai-disruptors-their-own-game
- Author: PYMNTS
- Published: 2026-10-19T16:21:29+00:00
- Read time: 1 min
- Topics: fifth third, tim spence, ai disruptors, deposit tools, bank-grade security, muse, newline, visa, multinational program, business, finance
## Fifth Third Bank Strategy
Fifth Third Bancorp CEO Tim Spence says banks will use customer relationships to compete with AI-driven deposit tools.

> The banking industry will respond to the rise of artificial intelligence-driven cash optimization tools by using relationships with customers and offering the same services these tools offer, with the added benefit of bank-grade information security
## Online-Only Banks at Risk
Online-only banks with low margins face increased competition from AI tools that reduce friction or increase transparency.

> Which i think in our world in the case of deposits would mean the online-only banks who have to lead with rate or who don’t have any distribution and therefore have to buy liquidity through aggregators
## Fifth Third's Deposit Strategy
Fifth Third retains 80% of monthly sorted deposits with 90% going back to deposits and 10% to liquidity portals.

> About two point five billion in deposits on the fifth third platform are sorted every month as they move somewhere else after coming in as a paycheck or cash from equities markets coming off promotional pricing or coming out of a cd product
## Bank Advantage
Banks with branch networks and checking-led propositions maintain operational liquidity for customer deposits.

> The advantage banks like us who have these branch networks and a checking-led proposition on the consumer side of the equation
## Muse Integration
Fifth Third will build AI services from Muse into its apps with bank-grade security to prevent data blending.

> We’re going to take every valuable service that you can get done on muse whether that’s looking at subscriptions and finding opportunities to generate savings or budget or otherwise
## Newline and Visa Collaboration
Newline, Fifth Third's tech division, partners with Visa to offer corporate cards in 40+ countries.

> Newline a division of fifth third bank that offers technology to help enterprise clients embed financial capabilities into their products announced monday at money20 twenty that it is collaborating with visa to enable fintechs to offer visa corporate cards in more than forty countries
## Collaboration Benefits
Visa's Multinational Program enables local card transactions in 40+ countries with local currency processing.

> Powered by visa’s multinational program mnp this offering enables the issuance of cards for local use in the cardholder’s country with transactions authorized in local currency and processed like those on a locally issued card
## Key takeaway

Fifth Third Bank will integrate AI services into its apps while maintaining security to compete with online-only banks.