In a major stride toward AI-powered banking, TD Bank Group has unveiled TD AI Prism, an internally developed predictive AI foundation model designed to revolutionize how the bank anticipates customer needs and personalizes experiences at scale.
The model, which blends a large-scale AI architecture with TD’s robust proprietary datasets, delivers a single, holistic view of customers, enabling more accurate predictions across a wide range of banking needs. TD AI Prism is expected to significantly enhance marketing personalization, accelerate business decision-making, and enable faster deployment of AI-driven solutions across the bank.
“In today’s fast-paced world, the ability to better understand our customers and anticipate their changing needs is more important than ever,” said Christine Morris, Senior Executive Vice President, Transformation, Enablement and Customer Experience at TD. “TD AI Prism will empower us to not only stay ahead of what our customers need but also better protect the bank by turning data into actionable insights.”
Key Capabilities of TD AI Prism:
- Personalization at Scale: Able to process 100x more data variables, TD AI Prism delivers highly personalized marketing communication by deeply understanding customer behaviors and relationships.
- Accelerated & Scalable AI Delivery: The model consolidates multiple individual AI models into a single predictive framework, vastly improving efficiency and speed to market.
- Data Privacy & Security: Built entirely within TD’s secure cloud infrastructure, the model ensures that all customer data remains within the bank’s protected ecosystem.
The development of TD AI Prism stems from the Bank’s continued investment in applied research, including pioneering work by Layer 6, TD’s AI research and development hub. The model leverages research in tabular foundation models and is a direct outcome of TD’s earlier successful migration of massive data sets into a secure cloud-based environment. This transition has enabled greater agility and responsiveness to evolving customer expectations and regulatory needs.
“TD AI Prism represents a significant leap forward for TD and will help transform the way we approach predictive AI,” said Vlad Shpilsky, Senior Executive Vice President, TD Bank Group. “Migrating our data to the cloud was a foundational move that made advanced AI capabilities like TD AI Prism possible. It opens new opportunities for deeper insights and faster innovation.”
The launch is part of TD Invent, the bank’s strategic initiative to foster innovation across the organization. It also reaffirms TD’s commitment to the responsible use of AI and delivering value-driven solutions that address complex financial challenges while maintaining the highest standards of privacy and security.
With TD AI Prism, the bank sets a new benchmark in predictive AI for financial services, reinforcing its position as a leader in intelligent banking and customer-centric innovation.
