{"id":204546,"date":"2026-04-21T13:54:00","date_gmt":"2026-04-21T17:54:00","guid":{"rendered":"https:\/\/testing.news-you-need.com\/index.php\/2026\/04\/21\/revolut-stopped-paying-for-ai-and-started-winning\/"},"modified":"2026-04-21T14:30:22","modified_gmt":"2026-04-21T18:30:22","slug":"revolut-stopped-paying-for-ai-and-started-winning","status":"publish","type":"post","link":"https:\/\/testing.news-you-need.com\/index.php\/2026\/04\/21\/revolut-stopped-paying-for-ai-and-started-winning\/","title":{"rendered":"Revolut Stopped Paying for AI and Started Winning\u00a0"},"content":{"rendered":"<p><a href=\"https:\/\/www.pymnts.com\/artificial-intelligence-2\/2026\/revolut-stopped-paying-for-ai-and-started-winning\/\">Revolut Stopped Paying for AI and Started Winning\u00a0<\/a><\/p>\n<p><a href=\"https:\/\/www.pymnts.com\/artificial-intelligence-2\/2026\/revolut-stopped-paying-for-ai-and-started-winning\/\">https:\/\/www.pymnts.com\/artificial-intelligence-2\/2026\/revolut-stopped-paying-for-ai-and-started-winning\/<\/a><\/p>\n<p>Publish Date: <a href=\"publish_date]\">2026-04-21 13:54:00<\/a><\/p>\n<p>Source Domain: <a href=\"www.pymnts.com\">www.pymnts.com<\/a><\/p>\n<ul>\n<li>\n<p><strong>Neobank Revolution: Revolut&#8217;s Self-Built Modell<\/strong>: Revolut differs from most banks, which pay for AI access from companies like OpenAI or Anthropic, as it built its own AI model named PRAGMA.<\/p>\n<\/li>\n<li>\n<p><strong>Comprehensive Fraud and Risk Detection<\/strong>: PRAGMA is trained on 40 billion transactions and app interactions, assessing fraud risk, credit risk, and customer retention; claimed to outperform previous task-specific systems.<\/p>\n<\/li>\n<li>\n<p><strong>Mastercard&#8217;s Generative AI Effort<\/strong>: In contrast, Mastercard is building a generative AI model on anonymized payments for fraud, loyalty, and analytics\u2014still focused on specific tasks rather than a general-purpose solution.<\/p>\n<\/li>\n<li>\n<p><strong>Limitations of General-Purpose AI in Finance<\/strong>: General-purpose AI like text-based models (e.g., ChatGPT) struggle here since financial data isn&#8217;t text; structured event sequences are misunderstood and real-time decision speeds aren&#8217;t achievable.<\/p>\n<\/li>\n<li>\n<p><strong>PRAGMA&#8217;s Unique Training Approach<\/strong>: PRAGMA reads financial events as structured data (what happened, specific details, when) to recognize complex patterns like a customer&#8217;s behavior leading to potential fraud.<\/p>\n<\/li>\n<li>\n<p><strong>Efficiency through One Model<\/strong>: PRAGMA consolidates multiple AI functions into one, replacing the need for individual models for fraud detection, credit scoring, and customer lifetime value into a single model.<\/p>\n<\/li>\n<li>\n<p><strong>Scalability and Speed<\/strong>: The model operates in real-time on thousands of GPUs, catering to different transaction speeds and decision accuracy levels with various parameter sizes.<\/p>\n<\/li>\n<li>\n<p><strong>Reduced Overhead with Model Adaptations<\/strong>: Adjusting the model&#8217;s parameters for new tasks is quicker than building a new model from scratch, allowing for faster deployments and minimized maintenance efforts.<\/p>\n<\/li>\n<\/ul>\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Revolut Stopped Paying for AI and Started Winning\u00a0 https:\/\/www.pymnts.com\/artificial-intelligence-2\/2026\/revolut-stopped-paying-for-ai-and-started-winning\/ Publish Date: 2026-04-21 13:54:00 Source Domain:&#8230;<\/p>\n","protected":false},"author":1,"featured_media":204547,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"https:\/\/www.pymnts.com\/wp-content\/uploads\/2023\/01\/Revolut.jpg","fifu_image_alt":"","footnotes":""},"categories":[14],"tags":[19],"class_list":["post-204546","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artificial-intelligence","tag-generative-ai"],"_links":{"self":[{"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/204546"}],"collection":[{"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/comments?post=204546"}],"version-history":[{"count":1,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/204546\/revisions"}],"predecessor-version":[{"id":204548,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/204546\/revisions\/204548"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/media\/204547"}],"wp:attachment":[{"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/media?parent=204546"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/categories?post=204546"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/tags?post=204546"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}