Complete Phase 3 of FutureCore project
Not delivered by the deadline
AI-confirmed · human review in progress Independent AI checks agreed on primary SEC or regulator evidence. Records are now being reviewed by hand, starting with those our customers order.
- Announced
- 19 Jul 2021
- Due
- 31 Dec 2023
- Checked
- 21 Oct 2026
- Deadline
- Met
- Late
- Not met
- Today
What the company said
“FutureCore - Phase 3 2023 Consumer, Small Business and Commercial Deposits Core Banking and Teller System Replacement, Customer Data Hub”
What we found
Evidence strength A What the grades mean
The company reported in its 2023 10-K that the final phase of the project was delayed, with remaining conversions expected to be completed in 2024.
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A Zions Bancorporation 10-K filed 2024-02-23
“Our experience with the initial conversion led to enhanced processes, trainings, and product offerings, which resulted in a delay of subsequent planned conversions. We expect to complete the remaining conversions in 2024.” ✓ confirmed on the page
Market reaction: the shares moved -2.3% against the S&P 500 over the three sessions around the disclosure (22 Feb 2024 to 27 Feb 2024). What this measures
Checked 21 Oct 2026.
Commitment DNA
The structured record of this commitment. Fields the company did not state are left blank rather than guessed.
- Event type
- Construction
- Indicative materiality
- Medium rules
- Action
- Complete
- Deliverable
- FutureCore Phase 3
- In the company’s control
- High
- Specificity
- High
How this entry was checked
- Commitment recordedThe company's words were matched word for word against the filing.
- First checkAn AI model, Gemini (Google), read the company's later filings and recorded the outcome with a quoted passage.
- Second check: agreesA different AI model, Claude (Anthropic), re-read the evidence without being told the outcome and reached the same answer.
- Third check on a negative finding: agreesBecause a negative finding could harm a company if wrong, a stronger model re-read the evidence fully blind and reached the same answer.
Confirmed. This outcome counts towards the company's Kept Score. How verification works
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Report an error in this entry Reference: KI-C-2021-ZION-018646 · Corrections policy