Revolut lanza una división para impulsar la banca inteligente

Revolut has launched a new division dedicated to advancing smart banking by focusing on integrated analysis within its Artificial Intelligence (AI) Department. The fintech company's AI team is working to develop state-of-the-art machine learning architectures tailored for the global financial sector. According to Revolut, the Revolut Research division collaborates with academic and technological institutions to drive innovation.

Revolut's AI head, Pavel Nesterov, emphasizes that the company cannot rely on third-party solutions if it wants to lead the future of smart banking. The division's key project is Pragma, an exclusive model developed in partnership with Nvidia. Pragma is designed to identify complex financial behaviors, optimize real-time risk assessment, streamline platform operations, and provide personalized product recommendations.

With this development, Revolut claims that it is redesigning its AI architecture around a single foundation, incorporating a common layer of behavioral intelligence. The implementation of Pragma has improved the platform's risk of default detection accuracy by 2.3 times, enabling more reliable evaluation of customers' solvency. Pragma has also detected 65% more cases of fraud with 17% higher accuracy in alerts.

The central pillar of this technical advantage is Revolut's global database, which processes billions of cross-border transactions from its over 80 million customers. The company analyzes multiple financial behaviors in real-time, providing a comprehensive foundation for the Pragma model.