Agentic AI · Nvidia · Amazon · NVIDIA Blog
Why Financial Institutions Are Converging on Transaction Foundation Models to Build Their Own Intelligence
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Financial institutions have spent years building AI: fraud models, credit models, recommendation engines and risk systems.
Key facts
- NVIDIA’s 2026 State of AI in Financial Services report shows 65% of institutions now use AI, with nearly 90% deploying or assessing it and almost all maintaining or increasing spend
- Join NVIDIA at Money20/20 Europe from June 2-4 to learn how transaction foundation models are powering the next generation of AI in financial services
- In collaboration with NVIDIA, Revolut built PRAGMA, a family of transformer-based foundation models trained on 24 billion events across 26 million user records spanning over 100 countries
- Stripe is using the NVIDIA and AWS platform to build foundation models that understand the full context of transactional behavior rather than reacting to individual signals, blocking close to $112
Summary
Siloed systems prevent institutions from developing a unified understanding of consumers’ financial behavior. NVIDIA’s 2026 State of AI in Financial Services report shows 65% of institutions now use AI, with nearly 90% deploying or assessing it and almost all maintaining or increasing spend. Transaction foundation models are large-scale AI systems trained on billions of financial events, such as payments, transfers, product interactions and behavioral signals, that transform raw data into intelligence, helping firms better serve their customers. The shift is structural.