TLDR Tech / Fintech
Banks and fintechs are sitting on the most powerful AI dataset in finance
Banks and fintechs are discovering that their biggest AI advantage isn't the model itself but the massive transaction datasets they've accumulated over years of customer activity. Companies like Revolut, Stripe, Mastercard, and Adyen are replacing dozens of specialized AI systems with unified foundation models that improve fraud detection, credit underwriting, and payment performance while reducing costs and accelerating new product launches. As AI becomes commoditized, proprietary financial data may emerge as the industry's most valuable competitive moat.
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