Saul Van Beurden has a folder on his phone labeled "productivity." He's constantly consulting the many AI apps that live there, whether sitting in his 60th-floor office in Hudson Yards or in front of his broken laundry machine. Van Beurden, who was named Wells Fargo's head of AI in November, is betting the technology will catapult the major retail bank forward after the Federal Reserve lifted its $1.95 trillion asset cap last summer. Some growth is already starting: the bank opened almost three