TD Bank has unveiled TD AI Prism, its newly developed predictive foundation model designed to transform how it anticipates customer needs and personalizes services. Built entirely in-house, TD AI Prism integrates a large-scale AI model with the bank’s extensive datasets to generate a comprehensive understanding of each customer.
According to TD, the model processes 100 times more data variables than previous systems, aiming to provide tailored banking experiences and improve the accuracy of its predictions. Christine Morris, Senior Executive Vice President, Transformation, Enablement and Customer Experience, noted, “The ability to better understand our customers and anticipate their changing needs is more important than ever.”
The single model architecture will replace multiple individual models, allowing for accelerated delivery of AI-driven insights and improved scalability across the bank’s operations.
Cloud migration fuels AI capabilities
The launch follows TD’s major migration of data records to its secure cloud platform last year, creating a flexible ecosystem for faster AI integration. Vlad Shpilsky, Senior Executive Vice President, TD Bank Group, said, “The data migration paved the way to making it easier to access data at scale, which is key to driving TD AI Prism and giving us access to opportunities and insights we've never had before.”
Privacy remains a focus for the bank. TD stated that customer data processed by TD AI Prism remains within its secure cloud environment, aligning with its commitment to responsible AI use.
AI research moves into practical banking applications
The project builds on research by Layer 6, TD’s AI research and development center, on tabular foundation models, translating advanced theory into business solutions. TD AI Prism will initially be used to personalize marketing communications this year, with future applications aimed at scaling business decisions and developing new products more rapidly.
As banks look to leverage AI to stay competitive, TD AI Prism highlights how the sector is investing in foundational models to deliver faster, more personalized, and data-driven customer experiences.