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Embedding AI capability

At NatWest Group, we believe that artificial intelligence (AI) is not just a technology, it’s a capability that are we cultivating across the entire business.

As AI becomes increasingly embedded in how we serve customers, manage risk, and operate at scale, we understand that our success depends not only on the sophistication of our models, but on the confidence and the AI fluency of our colleagues.

That’s why we want to empower every colleague, regardless of role or technical background, to engage with AI meaningfully and responsibly, using it to develop future-fit banking to succeed with customers.

As a result of our efforts towards this ambition, almost 63,000 colleagues have now completed guided AI learning pathways, and elective completions have surged to nearly 112,000 this year alone – a 144% increase over 2024. Importantly, these aren’t just numbers, they represent a cultural shift.

 

Tools that empower

Education is only part of the equation. We’ve also focused on making AI tools accessible, intuitive, and embedded in the flow of work. Our internal AI digital enabler, which helps colleagues summarise documents, problem-solve, draft content and surface insights in seconds, is now used by over 10,000 colleagues. One colleague described it as ‘like having a supercharged teammate who never sleeps’ and seventy percent of users report time savings, and half say it improves the quality of their work.

We’ve also rolled out Microsoft 365 Copilot to more than 3,500 colleagues. It’s already the most-used app in the suite, with 69% of users reporting productivity gains and 52% noting improvements in their quality of work. One executive assistant shared how Copilot helped them prepare board briefing packs in half the usual time, allowing for more strategic input and fewer late nights.

For our developers, we’ve introduced GitLab Duo, which supports code generation, test case creation, and workflow automation. Following mandatory training on AI Ethics and Prompt Engineering, over 4,700 engineers now use it regularly, and almost 90% report frequent use of its code generation features. In one case, a Java upgrade that previously took weeks was completed eight times faster with AI support.

AI fluency isn’t just for frontline teams, it’s essential from the top of the business down. Our board members and executive leaders are actively engaged in AI education through tailored briefings, scenario-based workshops, and strategic steering sessions.

Learning in the flow of work

We’ve learned that the most effective education doesn’t happen in isolation – it happens in context. That’s why we’ve embedded AI learning into daily routines through different skills sessions that apply AI directly to colleagues’ task lists. 

These events not only build skills but foster a sense of community and experimentation. We’ve also launched personalised AI skill development plans with Retail Banking colleagues, using externally validated assessments to tailor learning paths and track progress. The goal is to scale this to 10,000 colleagues by year-end, creating a data-driven view of AI capability across the bank.

 

Educating the Boardroom

AI fluency isn’t just for frontline teams, it’s essential from the top of the business down. Our board members and executive leaders are actively engaged in AI education through tailored briefings, scenario-based workshops, and strategic steering sessions.

In March 2025, we hosted a dedicated AI spotlight session for the Finance Executive Committee, where leaders explored the ethical, operational, and regulatory implications of AI, including the role of our AI & Data Ethics (AIDE) Panel and a tutorial on how we are translating the EU AI Act into our bank wide risk framework..

We’ve also delivered focused sessions for non-executive directors (NEDs), which covered emerging risks, governance frameworks, and the future of agentic AI. These sessions are designed not just to inform, but to equip our most senior decision-makers with the insight needed to steer the bank responsibly through a rapidly evolving landscape. As one NED remarked after a recent session, ‘this isn’t just about understanding the technology – it’s about understanding the questions we need to ask.’

 

A human-centred future

As we scale our AI capabilities, we’re evolving our organisation design, operating models, and success metrics. It also means putting governance at the centre of everything we do. Every tool we deploy is wrapped in clear guardrails to ensure ethical, secure, and responsible use. We want our colleagues to feel confident not just in using AI, but in using it wisely.

Enabling AI for everyone is about more than technology. It’s about trust, inclusion, and empowerment. It’s about giving every colleague the tools and confidence to thrive in a rapidly changing world and ultimately, to better serve our customers.

The material published on this page is for information purposes only and should not be regarded as providing any specific advice, or used by consumers to make financial decision. Terms and conditions apply to any products or services mentioned.

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