M&T Bank and RDC.AI shortlisted for Best Bank & FinTech Partnership at Banking Tech Awards USA 2026

Sydney, Australia | 17 April 2026

M&T Bank and RDC.AI have been named finalists for Best Bank & FinTech Partnership at the Banking Tech Awards USA 2026, one of the most respected industry awards in US banking and financial technology, run by FinTech Futures.  The awards recognize outstanding achievement across the US banking and financial technology landscape. Entries are judged by an independent panel of senior industry executives, and the shortlist reflects the highest-calibre work being done across the sector. 

Being shortlisted for Best Bank & FinTech Partnership puts us in the company of some of the most forward-thinking financial institutions and technology companies operating in the US market today. The competition in this category is strong, a reflection of how seriously the industry is taking bank-fintech collaboration as a driver of real transformation, rather than just innovation for its own sake.

A Partnership Built on Real Outcomes

This recognition belongs first and foremost to M&T Bank. They had the vision to do something that many banks are still only talking about: deploy AI inside their commercial lending operations at scale, make it work in the real world, and keep it explainable. We’re proud to be the technology partner behind that journey.

RDC.AI’s platform is built specifically for the realities of business and commercial lending — where accuracy, explainability, and speed are not optional. Its AI decisioning engine provides banks with predictive insights from transaction data and other critical sources, enabling faster decisions, proactive risk management, and a clearer view of both individual customers and the broader portfolio.

 “M&T Bank had the vision to do something that many banks are still only talking about — and they backed that vision with real commitment to deployment, at scale. Being shortlisted for this award reflects what we’ve built together, and we couldn’t be more proud to be part of their story.” — Ada Guan, CEO and Co-Founder, RDC.AI

What M&T Bank is doing differently

Commercial lending has long been held back by manual processes, fragmented data, and risk processes that react to problems rather than predict them. M&T Bank decided to change that.

By deploying RDC.AI’s explainable AI platform, M&T Bank has fundamentally changed how their commercial banking teams operate. Their bankers now have access to real-time insights that help them Know More, Do More, and Grow More — for their clients and for their portfolio.

Together, we’ve delivered:

• Early warning signals in credit risk detected up to 6 months sooner than traditional methods, giving bankers time to act, not just react
• Real-time cashflow health and portfolio intelligence, at both the individual customer and portfolio-wide level
• A significant reduction in manual review workload, freeing relationship managers to spend more time having meaningful conversations with clients
• Fully explainable AI every decision comes with a clear rationale, supporting both banker confidence and regulatory oversight

 Not a pilot. Not a proof of concept. A live deployment delivering real outcomes inside one of North America’s largest commercial banks.

We thank M&T Bank for the trust placed in RDC.AI and excited for the awards ceremony in May, and to celebrate with our partners at M&T.

Read more here.