Bank of America (NYSE: BAC) has announced a surge in digital activity among its clients, fueled by advanced artificial intelligence, streamlined payment systems, and customized financial planning resources. In 2025, clients engaged with the bank roughly 30 billion times through app logins and automated notifications — a 14 percent jump from the prior year. This milestone underscores the institution’s success in blending technology with everyday banking to deliver convenience and security at scale.
Nikki Katz, head of digital banking at the company, highlighted the strategic importance of these platforms. She noted that leading-edge digital services serve as the foundation for building stronger client relationships while making it simpler and safer for millions to handle their money daily.
The surge included 16.6 billion mobile and online logins, up 15 percent, alongside 13.3 billion proactive alerts, an increase of 12 percent. More than 38 million customers now subscribe to these alerts.
Digital adoption remains robust across segments: 81 percent of consumer and small-business households, 86 percent of wealth management clients, and 86 percent of global banking customers now rely on the bank’s online channels.
Overall satisfaction is exceptional, with 86 percent of users rating their experience 9 out of 10 or higher.
Central to this growth is Erica, the bank’s intelligent virtual assistant. In 2025 alone, 20.6 million users turned to Erica nearly 700 million times for personalized advice on spending, saving, and budgeting.
Since its debut in 2018, cumulative interactions have topped 3.2 billion, proving its value in simplifying daily financial decisions.
Payments-related advancements also accelerated.
Zelle, the peer-to-peer transfer network, now counts 25 million active users at Bank of America.
These customers completed a record 1.8 billion transactions totaling $556 billion last year — rises of 16 percent in volume and 18 percent in value.
Small-business clients were particularly active, sending and receiving more than 200 million payments worth $126 billion, up 20 percent and 23 percent respectively.
Late in 2025, the bank introduced QR codes and secure Zelle tags, allowing merchants to accept payments while protecting sensitive details.
For larger enterprises, CashPro — the bank’s global treasury platform operating in over 145 countries — posted record mobile usage.
Sign-ins climbed 20 percent, while mobile-approved payments hit $1.2 trillion, equivalent to $38,000 every second and 15 percent higher than 2024.
Looking beyond transactions, Bank of America’s Life Plan tool continues to support long-term goals. Since its 2020 launch, clients have created 21.5 million personalized plans.
Last year, more than three million users selected Spanish as their preferred language, representing 15 percent of participants.
Those who actively use Life Plan have increased their assets at the bank by more than $211 billion.
Katz added that the bank studies shifting client behaviors to refine its technology, ensuring AI and digital features deliver timely, relevant guidance that anticipates future needs.
The achievements have earned widespread recognition.
Bank of America products have been highlighted by J.D. Power for mobile app satisfaction and mortgage servicing, as well as in updates from Keynova Group and Forrester (for data and AI impact).
With nearly 70 million clients served through extensive branch, ATM, and digital networks, Bank of America continues to set the standard for accessiblebanking in the United States and globally.
