Citi launches AI wealth assistant Citi Sky with Google

Citi Wealth has introduced Citi Sky, an artificial intelligence assistant for its wealth business built with Google Cloud and Google DeepMind technology. The service will be offered to Citigold clients in the US through a phased rollout starting this summer.

The tool is designed to work alongside financial advisers, offering clients market insights, prompts tied to financial events and a more conversational way to engage with wealth services. It will launch in English and Spanish, with voice and avatar features supporting audio and video interactions.

Citi Sky expands the bank's use of Google's artificial intelligence tools from internal operations into client-facing wealth management. Developed on the Gemini Enterprise Agent Platform, it will be integrated into Citi's US wealth platforms over time.

The launch comes as large banks and wealth managers test whether generative AI can move beyond back-office tasks into customer interactions in highly regulated areas of financial services. For wealth firms, the challenge is to use automation to improve speed and accessibility without weakening compliance controls or the role of human advisers.

At launch, Citi Sky will provide guidance on events such as certificate of deposit maturities and offer market insight from Citi Wealth's Chief Investment Office. Interactions are being built on a secure data foundation and are designed to comply with regulatory standards.

Andy Sieg, Head of Wealth at Citi, outlined the bank's ambition for the product in two remarks.

"We believe Citi Sky will change the model of wealth management," said Sieg. "For decades, managing your financial life meant navigating apps, calls, and meetings. With Citi Sky, you simply ask - and act. This is the shift from interface to intelligence, from transactions to outcomes."

"At the center is a universal question: 'Am I financially okay?' Citi Sky answers that in real time - bringing together insight and execution in a way that is simple and clear. It doesn't replace our advisors - it makes them more powerful, extending their reach and deepening their impact. In fact, Citi Wealth plans to add advisors in the years ahead," Sieg said.

Google tie-up

The project also reflects the long-running relationship between Citi and Google Cloud. The new service draws on Google's cloud infrastructure, Gemini models and Google DeepMind's real-time avatar technology, with support from Google Cloud engineers and Google DeepMind's applied teams.

Together, these technologies are intended to enable low-latency conversations through live audio and video, giving clients a digital interface that behaves more like a human assistant than a traditional banking app or chatbot. The platform is meant to help clients access information and act on opportunities while staying connected to their advisers.

Thomas Kurian, Chief Executive Officer of Google Cloud, linked the development to broader changes in how financial institutions use data and AI.

"The future of financial services lies in the ability to turn vast amounts of data into conversational, actionable intelligence for investors," said Kurian. "With Gemini Enterprise as the backbone of Citi Sky, combined with frontier models from Google DeepMind, Citi Wealth is establishing a new blueprint for how agentic AI can drive high-quality, personalised financial insights for millions of its customers."

Wealth push

The move is part of Citi's broader effort to strengthen its wealth franchise in the US, where banks are competing for affluent clients who expect faster digital service but still want personal advice. By placing an AI tool within the wealth team rather than presenting it as a stand-alone replacement, Citi is trying to balance automation with adviser-led relationships.

Citi said the product was developed by its Wealth Intelligence team, led by Joe Bonanno, its Wealth Technology team, led by Dipendra Malhotra, and its Wealth Marketing team, led by Patty Sachs. The bank operates in more than 180 countries and jurisdictions and has identified wealth management as one of its core businesses.

For Google Cloud, the launch offers another example of a major financial institution adopting its AI products in a customer-facing setting. Financial services groups have so far tended to use such systems first for coding, internal search, document review and employee support, where risks are easier to manage.

The next test for firms such as Citi will be whether clients use these tools often enough to change how they handle everyday financial decisions, and whether regulators accept broader use of AI in investor communication and support. Citi Sky is designed to work with advisers, and the bank plans to continue adding advisers in the years ahead.