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Reimagining Banking with Human-Centred AI

How TD is Taking a More Human Approach to AI Integration

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What does a digital future look like when it’s created to prioritize human connection, compassion, and creativity? That’s the question TD is keeping at the forefront of its push to integrate artificial intelligence (AI) across the bank.

As organizations race to adopt AI, many focus on speed and scale without pausing to consider a critical question: are leaders and colleagues truly prepared to use it well? TD believes the organizations that will get the most value from AI are those that invest as deliberately in people and understanding as they do in technology.

TD has a long history of strategic investment in AI innovation, becoming a founding sponsor of the non-profit AI research facility Vector Institute in 2017, and acquiring Layer 6, a leading AI research and development centre, a year later. But Luke Gee, the bank’s Chief Analytics & AI Officer, says TD is building a uniquely human-centred approach to AI integration by prioritizing leadership readiness.

“We know AI transformation doesn’t start with technology; it starts with people,” Gee says. “If leaders don’t understand how AI works, where it adds value, and where it introduces risk, they can’t lead responsibly. Investing in AI education is about building judgment and trust across the organization, not just deploying new tools.”

That’s why TD’s AI strategy focuses on collaborative relationships. By working with academic institutions, TD helps its leaders build a stronger understanding of AI and develop the judgment, curiosity, and continuous learning needed to guide its responsible use.

TD’s generative AI executive education program is one example. The program is delivered by the Columbia Business School Executive Education and AI2, TD’s enterprise team responsible for advancing analytics and AI capabilities across the bank. Gee says TD and Columbia began working together out of a need to build a foundational understanding of AI at the executive level, empowering........

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