(25 August 2026 – United Kingdom) Revolut has announced the launch of Revolut Research, a new dedicated division within its broader AI Department pioneering next-gen machine learning architecture across global financial services.
The unit provides a unified foundation for Revolut’s proprietary AI deployments and machine learning initiatives and will build alongside leading academic and technology institutions.
Revolut Research serves as the engine behind PRAGMA, Revolut’s proprietary foundation model developed in collaboration with NVIDIA. In tests on historical data, PRAGMA improved credit risk accuracy, caught more fraud and delivered more relevant product recommendations.
At the heart of the group’s technical advantage is an unmatched global dataset. Serving 80 million customers across more than 40 markets, Revolut processes billions of cross-border transactions and diverse financial behaviours in real time. This data feeds into Revolut Research’s models, creating a self-reinforcing loop and establishing a new language of financial behaviours.
“To lead the future of intelligent banking, you cannot rely on third-party blueprints. We have launched Revolut Research to institutionalise our ‘build, don’t bolt on’ philosophy. By training native foundation models on our global operational data, we are giving our engineering teams an unprecedented engine to deploy smarter features faster, eliminate systemic friction, and give our customers a safer, radically better financial experience” commented Revolut Head of AI, Pavel Nesterov.
“Revolut Research has been established to responsibly build financial intelligence at its deepest layer, rather than patching together narrow, specialised models. In PRAGMA, we are developing a single, unified foundation model capable of understanding the true nuance of financial behaviour in real time. Technology is in Revolut’s DNA, and by collaborating with global tech leaders, this division is engineering proprietary capabilities that set us apart from traditional banks” stated Revolut Research Head, Anton Repushko.