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Wells Fargo builds an AI-ready banking enterprise with Apigee API Management

Google Cloud Results
  • Reduced workflow for query resolution by ~20%

  • Support underwriting processes with Document AI

  • Scaled generative AI experimentation while maintaining security and governance

Long-standing financial institution Wells Fargo uses Apigee API Management to transform generative AI adoption by building task-specific, reusable APIs that enable experimentation, scalability, and secure model integration. This approach streamlined workflows — such as reducing branch banker query resolution time by ~20% — while ensuring innovation aligns with robust governance and operational excellence.

The new way to improve banking experiences

How do you bring more than 170 years of banking innovation into the generative AI era? Wells Fargo uses Apigee API Management from Google Cloud to scale generative AI adoption across teams. Previously reliant on custom frameworks, Wells Fargo introduced task-specific canonical APIs that simplify experimentation and model integration. For example, tellers now use a RAG-based tool to retrieve policies and procedures during customer interactions, reducing workflow for query resolution by ~20%. Apigee also supports commercial banking processes like underwriting. By standardizing reusable APIs, Wells Fargo ensures consistent innovation, boosts productivity, and enhances customer service.

Apigee allows us to experiment during development and lets our teams bring their own data, test different models, and evaluate cost, performance, and accuracy.

Swarup Pogalur

CTO Digital & AI Engineering, Wells Fargo

Why Google Cloud?

Apigee API Management stood out for its scalability, security, and consistency. The platform simplifies API management with reusable frameworks, consistent contracts, and robust integration capabilities, allowing Wells Fargo to easily introduce, modify, or retire AI models without code rewrites. Apigee also supports essential governance principles, such as human-in-the-loop controls, risk monitoring, and fallback systems, which are crucial for high-security financial applications. These capabilities align with Wells Fargo's commitment to balancing rapid innovation with compliance and operational excellence, enabling scalable generative AI adoption across lines of business, from customer-facing tools to backend processing workflows.

Balancing speed with security is critical in financial services, and Apigee gave us the governance tools to make that possible.

Swarup Pogalur

CTO Digital & AI Engineering, Wells Fargo

Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with approximately $1.9 trillion in assets. Wells Fargo's vision is to satisfy its customers' financial needs and help them succeed financially. Founded in 1852 and headquartered in San Francisco, Wells Fargo provides banking, investment and mortgage products and services, as well as consumer and commercial finance, through more than 7,300 locations, 12,000 ATMs, the internet (wellsfargo.com) and mobile banking, and has offices in over 40 countries and territories to support customers who conduct business in the global economy.

Industry: Financial Services

Location: United States

Products: Apigee API Management, Document AI

Google Cloud