Citigroup

Q3 2026 earnings call: "our own adoption of AI is both earning and saving us money ... we're launching new products at lower cost and faster speed, typically seeing a 30% to 40% increase in the speed of product launches." "We've been in-sourcing work and have reduced our tech vendor spend by 30% year-over-year as a consequence." "This year alone, we're seeing the financial benefits from AI and automation significantly outweigh the investments we've made year-to-date."