Fifth Third’s Newline Extends MCP Server Capabilities with Skills

Key Terms

model context protocol (mcp) technical

The Model Context Protocol (MCP) is a system that helps financial models understand and share information about market conditions and data. It’s like a common language that ensures different tools and models work together smoothly, making predictions and decisions more accurate and consistent.

embedded finance financial

Embedded finance integrates financial services directly into the products or platforms people use daily, such as online shopping or business software. It allows users to access services like payments, loans, or insurance seamlessly within those platforms, making transactions faster and more convenient. For investors, it represents a way for companies to generate new revenue streams and deepen customer relationships through integrated financial offerings.

api‑driven technical

Products, services, or business models that are API-driven use application programming interfaces—software “doorways” that let different systems talk to each other—as a central way to operate and deliver value. For investors, API-driven companies often scale faster, make partnerships and integrations easier, and can create recurring, platform-style revenue, but they also depend on technical reliability and ecosystem adoption to realize those benefits.

bin sponsorship financial

Bin sponsorship is when an established bank lets a fintech or other company use one of its card-identifying numbers so the newcomer can issue payment cards and process transactions under the bank’s regulatory umbrella. Investors care because it enables fast market entry, revenue sharing, and growth for card programs while placing compliance, credit and operational risk largely on the sponsoring bank—factors that affect profitability and legal exposure.

ai agents technical

AI agents are computer programs designed to perform tasks or make decisions automatically, often by learning from data and adapting to new information. They act like virtual assistants or robots that can handle complex activities without human intervention, which can help businesses and individuals save time and improve efficiency. For investors, AI agents matter because they can enhance decision-making and automate processes that influence markets and financial outcomes.

CINCINNATI--(BUSINESS WIRE)-- As enterprises look to deploy AI safely at scale, Fifth Third (Nasdaq: FITB) today announced continued investment in Model Context Protocol (MCP) capabilities through Newline™ by Fifth Third, its embedded finance business. The next phase of Newline’s MCP Server introduces Skills. This new layer standardizes how AI models use tools, workflows and helps developers automate faster and with more intelligent system performance, while maintaining stronger governance.

The Newline MCP Server securely connects AI models to external resources, data and services, standardizing how AI agents access Newline APIs and interact with information beyond their training data. Since introducing MCP in Dec. 2025, Fifth Third has expanded its capabilities through enhancements designed to simplify integrations, improve developer productivity and ensure AI systems can reliably interact with enterprise financial services.

Skills builds on the MCP foundation by guiding AI models to correctly use tools, apply predefined workflows, review and generate code and follow established development templates. Together, MCP and Skills create a unified framework that enables more capable AI agents, scalable automation and greater value across Newline’s technology stack.

“Newline builds with a scale that supports what’s next and continues to innovate the next generation of commerce,” said Tom Bianco general manager of Newline. “We’re backed by the power, stability and financial strength of bank with a nearly 170-year history, but we move at the pace of a Silicon Valley fintech.”

Newline is part of Fifth Third’s Commercial Payments business, which processed more than $18 trillion in payments volume in 2025 and is the sixth-largest Commercial Payments provider by revenue. The Bank continues to expand its capabilities through strategic acquisitions—including Big Data Healthcare, Rize Money, Inc., and DTS Connex—to advance innovation in healthcare payments, embedded finance and cash logistics.

Newline™ by Fifth Third provides BIN sponsorship and a modern API‑driven platform that enables enterprise clients to launch payment, card, and deposit products directly with the Bank. Its technology helps clients embed financial capabilities seamlessly into their products, backed by Fifth Third’s standards for performance, scalability, and risk management. Newline powers offerings for leaders including Trustly and Stripe.

About Fifth Third
Fifth Third is a bank that’s as long on innovation as it is on history. Since 1858, we’ve been helping individuals, families, businesses and communities grow through smart financial services that improve lives. Our list of firsts is extensive, and it’s one that continues to expand as we explore the intersection of tech-driven innovation, dedicated people and focused community impact. Fifth Third is one of the few U.S.-based banks to have been named among Ethisphere’s World’s Most Ethical Companies® for several years. With a commitment to taking care of our customers, employees, communities and shareholders, our goal is not only to be the nation’s highest performing regional bank, but to be the bank people most value and trust.

Fifth Third Bank, National Association is a federally chartered institution. Fifth Third Bancorp is the indirect parent company of Fifth Third Bank, and its common stock is traded on the NASDAQ® Global Select Market under the symbol "FITB." Investor information and press releases can be viewed at www.53.com.

View source version on businesswire.com: https://www.businesswire.com/news/home/20260413589206/en/

Adrienne Gutbier (Media Relations)
adrienne.gutbier@53.com | 513-534-8038

Matt Curoe (Investor Relations)
matt.curoe@53.com | 513-534-2345

Source: Fifth Third