Our Impact
Explore the stories, ideas, insights and research that are shaping the future.
Where ideas come alive: Inside iD8
Launched in 2019, iD8, our internal ideation platform, gives TD colleagues a clear path to identify challenges our clients and colleagues face and propose solutions that reimagine how banking can be. Our iD8 community of over 33,000 colleagues has submitted over 121,000 ideas and seen over 13,000 of their ideas come to life.
Meet some of our innovators
Patricia Curtis
Personal Banking Associate
Patricia’s idea to make credit scores available to clients for free on the TD app has already given over 500,000 clients a tool that can help them make more informed financial decisions.
Meet some of our innovators
Dino D’Agostino
TD Distinguished Full Stack Architect
Dino is one of our Elite inventors, contributing to at least 100 patents at TD. One of his ideas helps contact centre representatives understand the issue a client is phoning about before they even start interacting with them, making a better call centre experience for our clients.
Meet some of our innovators
Teresa Vilone-Dinatale
High Net Worth Estate Specialist Manager
Teresa is our 2024 Top iD8er award winner. Her idea to consolidate two documents to waive probate and estate services reduced the process from 45 minutes to 20. It positively impacts 23,000 clients each year.
Meet some of our innovators
Jesse Cresswell
Staff Machine Learning Scientist
Jesse is our 2024 TD Inventor of the Year winner. Jesse has filed over 130 patents for Layer 6, our in-house AI research centre of excellence. Of these 130 patents, Jesse is named as an inventor on 82 of them. His work to make GenAI systems more trustworthy also won him Invention of the Year.
Protecting the ideas that power innovation
Since 2006, the TD Patent Program has been safeguarding and celebrating the ideas that drive innovation across the Bank. Today, with more than 3000 patent assets and more than 1400 inventors, we hold more patents than any other Canadian financial institution, earning us recognition as a leader in innovation at home and abroad.
How AI is shaping the future of banking at TD
Artificial Intelligence is already reshaping banking at TD, unlocking smarter solutions and new ways to serve our clients. It’s become an essential tool in how we create meaningful change and innovation. We’re exploring bold ways that AI can help us build the bank of the future.
"By investing in these capabilities — we’re enabling our advisors to spend more time on what matters most: building relationships with their clients and providing trusted advice"
Banking on AI: A new podcast presented by TD Invent
Banking on AI will aim to explore how AI technology is changing TD and evolving the banking experience for its colleagues and its clients.
Transforming banking experiences with AI chatbots
Knowledge Management Systems (KMS) platforms at TD are a bit like the library lookup system of a large organization — they are pieces of technology that capture, organize, and retrieve knowledge within a given entity.
More Stories
Introducing the first-of-its-kind dog ATM
Don’t worry, Rover and Rex don’t need to remember to bring their debit cards to use this ATM. To show some love to the four-legged friends who often accompany customers on their banking excursions, TD is debuting a first-of-its-kind Automated Treat Machine (ATM) for dogs in Toronto—no PIN required.
How TD is using virtual reality to kickstart the next evolution of customer service training
For Michelle David, there's no better teacher than lived experience. David, a TD branch manager in Toronto, learned to support everyday customer interactions over the past 15 years by experiencing them first-hand. Each one helped her build the soft skills, institutional knowledge and confidence she needed to better support her customers.
Meet the innovators: How these TD colleagues are working on creating the future
At TD, people are at the core of all the Bank’s tech and innovation efforts. From incorporating virtual reality technology into colleague training at branches, to developing solutions that incorporate artificial intelligence (AI) that are helping to provide faster mortgage preapprovals to our customers, TD colleagues across the organization are creating new products and applications that are improving the customer experience.
Personalized Insights
TD offers AI-powered “digital nudges” to help you improve your finances. These actionable and personalized insights help you manage your finances and build awareness on a day-to-day basis.
Accessibility Adapter
An estimated 20% of the population has a disability that makes using a computer hard. Our new browser plug-in allows users to personalize their online experience. Switch to a dyslexia-friendly font, browse in dark mode or try monochromatic mode. Accessibility is for everyone.
Patents for Start-ups
The award-winning program is strongly aligned with the TD Climate Action Plan. It helps early start-ups build and protect their intellectual property. All patents belong to the start-up and are held in their name. The TD program won the Thomson Reuters "Innovatio" Dealmaker award for in-house counsel innovation.