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See all articlesMortgage pre-approval vs. prequalification: What’s the difference?
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Read articleMortgage pre-approval vs. prequalification: What’s the difference?
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Read articleBMO innovation hub
We’re harnessing the power of technology and artificial intelligence to better meet our customers’ needs. Risk management and governance practices will guide us as we redefine what’s possible in financial services.
Our areas of focus
Client experiences
BMO uses AI to personalize client experiences across personal banking, wealth, and commercial services.
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Team augmention
BMO uses AI to power teams to help its employees work more effectively and deliver better outcomes.
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Business automation
BMO uses AI to unlock efficiency and deploy agentic solutions in client services and credit decisioning.
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Responsible AI
BMO operationalizes accountability, fairness, transparency, and trust through its principles and governance.
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1.5x higher win rate
AIM
Identifies client growth opportunities and generates tailored insights to help bankers deliver more customized advice and improve win rates.
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Reduced cycle time by 15%
ARM
Automates portfolio monitoring and annual review triage to support risk oversight and improve efficiency in credit processes.
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650 credit risk policies
Nova
An AI-enabled tool that helps bankers query financing guidelines and automate credit analysis and memo preparation.
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60% reduction in calls to the internal help desk
Lumi
A GenAI assistant that gives frontline staff instant access to policies and procedures to guide client interactions.
TextOur partnerships
We’re working with industry partners and community organizations to deliver best-in-class experiences.
Responsible AI Principles
We exercise oversight and meaningful human control over the design, use, and outcomes of AI to confirm alignment to our values, regulatory obligations, and purpose.
We exercise oversight and meaningful human control over the design, use, and outcomes of AI to confirm alignment to our values, regulatory obligations, and purpose.
We exercise oversight and meaningful human control over the design, use, and outcomes of AI to confirm alignment to our values, regulatory obligations, and purpose.
We exercise oversight and meaningful human control over the design, use, and outcomes of AI to confirm alignment to our values, regulatory obligations, and purpose.
We exercise oversight and meaningful human control over the design, use, and outcomes of AI to confirm alignment to our values, regulatory obligations, and purpose.
We exercise oversight and meaningful human control over the design, use, and outcomes of AI to confirm alignment to our values, regulatory obligations, and purpose.
We exercise oversight and meaningful human control over the design, use, and outcomes of AI to confirm alignment to our values, regulatory obligations, and purpose.
We exercise oversight and meaningful human control over the design, use, and outcomes of AI to confirm alignment to our values, regulatory obligations, and purpose.
Where vision meets opportunity
Innovation leader
Dr. Kristin Milchanowski is leading our AI innovation efforts as our Chief AI & Quantum Officer and Founding Director, BMO Institute for Applied Artificial Intelligence & Quantum
AI careers
Build your AI career at BMO, where we're advancing responsible innovation at scale across global banking.
