Infosys Collaborates with Citizens on AI-First Innovation Hub to Accelerate the Future of Banking

Infosys (NSE, BSE, NYSE: INFY), a global leader in next-generation digital services and consulting, today announced its collaboration with Citizens (NYSE: CFG), one of the oldest and largest financial institutions in the US, to support the launch of the bank’s AI-first Innovation Hub in Bengaluru, India. This industry-first initiative is designed to accelerate AI-driven transformation across Citizens’ banking operations, product development, and customer experience.

As one of Citizens strategic delivery partners supporting AI development, Infosys will contribute its AI, cloud, and cybersecurity expertise to help advance Citizens’ AI-first operating model. Leveraging Infosys Topaz Fabric, a specialized agentic services suite featuring a multi-layer AI fabric that integrates infrastructure, models, data, applications, and workflows into a cohesive, agent-ready ecosystem, Infosys will support the development of scalable, agent-ready capabilities designed to simplify and increase the speed of delivery of new financial products and digital services. This engagement with Citizens, complements the existing partnership focused on AI transformation, which has helped the bank advance innovation and enhance customer service.

The AI-first Innovation Hub builds upon Citizens' ongoing commitment to cultivating a highly skilled global workforce, designed to integrate artificial intelligence and advanced technologies throughout the bank’s technology ecosystem, fostering innovation, resilience, and efficiency at scale. This Innovation Hub with Infosys further enhances Citizens’ standing as a technology-driven super regional bank and highlights Infosys’ expertise in developing AI-enabled operating models for financial institutions.

Michael Ruttledge, Chief Information Officer and Head of Enterprise Technology & Security, Citizens Financial Group, said, “Our AI-first Innovation Hub reflects Citizens’ long-term commitment to building modern, secure, and intelligent banking capabilities. Partnering with leading technology firms like Infosys and leveraging Infosys Topaz Fabric is helping transform how we serve our customers by integrating advanced AI at the core of our operations to deliver more modern, secure, and personalized banking experiences.”

Dennis Gada, EVP and Global Head of Banking and Financial Services, Infosys, said, “Financial institutions today face the dual challenge of rapid modernization and delivering exceptional customer experiences. Our collaboration with Citizens marks a significant step in their growth journey, enabling them to adopt an AI-first operating model and become future ready. Leveraging our proven expertise in financial services and the innovative power of Infosys Topaz Fabric, we are excited to support Citizens in accelerating innovation and redefining the future of banking.”

About Citizens Financial Group, Inc.

Citizens Financial Group, Inc. is one of the nation’s oldest and largest financial institutions, with $222.7 billion in assets as of September 30, 2025. Headquartered in Providence, Rhode Island, Citizens offers a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions. Citizens helps its customers reach their potential by listening to them and by understanding their needs in order to offer tailored advice, ideas and solutions. In Consumer Banking, Citizens provides an integrated experience that includes mobile and online banking, a full-service customer contact center and the convenience of approximately 3,100 ATMs and approximately 1,000 branches in 14 states and the District of Columbia. Consumer Banking products and services include a full range of banking, lending, savings, wealth management and small business offerings. In Commercial Banking, Citizens offers a broad complement of financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, as well as loan syndication, corporate finance, merger and acquisition, and debt and equity capital markets capabilities. More information is available at www.citizensbank.com or visit us on X, LinkedIn or Facebook.

About Infosys

Infosys is a global leader in next-generation digital services and consulting. Over 330,000 of our people work to amplify human potential and create the next opportunity for people, businesses and communities. We enable clients in 63 countries to navigate their digital transformation. With over four decades of experience in managing the systems and workings of global enterprises, we expertly steer clients, as they navigate their digital transformation powered by cloud and AI. We enable them with an AI-first core, empower the business with agile digital at scale and drive continuous improvement with always-on learning through the transfer of digital skills, expertise, and ideas from our innovation ecosystem. We are deeply committed to being a well-governed, environmentally sustainable organization where diverse talent thrives in an inclusive workplace.

Visit www.infosys.com to see how Infosys (NSE, BSE, NYSE: INFY) can help your enterprise navigate your next.

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