Revolut: Foundational Models in Finance

The banking industry’s approach to credit is rapidly shifting away from using standard credit scores, as the integration of more and more data about users and the proliferation of AI become critical to profitability and competitiveness. The key are not AI agents: unlocked by transformer-based architectures, event foundation models like PRAGMA reveal deep behavioral insights from sequential user banking transaction histories, while tabular models such as TabPFN and TabICL deliver robust predictive power via in-context learning. By leveraging these breakthrough models to extract richer signals, lenders construct a powerful competitive moat that translates superior risk assessment directly into incremental expected profit. Agenda:
Introduction to Revolut
Foundational Models in Finance: Insights on PRAGMA and Tabular Foundation Models
Talent Programmes
Q&A
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