Allied Irish Banks (AIB) has launched a redesigned mobile banking app powered by advanced data analytics, machine learning and personalisation capabilities, marking what the bank describes as its most significant change to its mobile channel in over a decade, according to AI Magazine.

The phased rollout, beginning at the end of June, follows an 18-month development process grounded in customer collaboration, testing and pilot programmes. Machine learning algorithms analysed user behaviour patterns throughout development to ensure the app aligned with real customer needs, informing everything from navigation to feature prioritisation.

AIB's own research highlights the opportunity the app is designed to address. While 76% of adults in Ireland check their banking app multiple times a week, 47% rarely use it for financial insights. A further 31% of consumers report low confidence in managing their finances, and 24% cite long-term planning as a key frustration.

The new platform introduces intelligent spending categorisation, merchant-level analysis and personalised insights based on individual user behaviour patterns. Machine learning algorithms analyse transaction histories to identify spending trends, enabling customers to set budgets and receive proactive recommendations tailored to their financial behaviour.

Security is positioned as foundational within the app, integrating passkey authentication, intelligent card controls including freeze functionality and what AIB describes as best-in-class cybersecurity technology.

Geraldine Casey, Managing Director of Retail Banking at AIB, said: "This new AIB app is a major step forward in digital innovation and security for our customers, providing the convenience and accessibility of best-in-class banking they can trust, via the phone in their pocket."

Graham Fagan, Chief Operating Officer at AIB, said: "The app is designed with our customers. We've spent a lot of time on customer research and benchmarking where we wanted to get to, which we have more than achieved."

Fagan added: "Trust is the foundation of our relationship with our customers and one of the key ways that trust is earned is through technology that is secure, resilient and consistently reliable."

AIB continues to maintain a hybrid service model alongside its digital investment, with 170 branches and ongoing investment in in-person support. The bank's own research indicates that 94% of customers say access to human support remains important.