# Revolut builds a research unit around its own model, PRAGMA — QANATONE

> Revolut announced Revolut Research on August 25. PRAGMA improved fraud recall by 64.7% over its own specialist models.

Kaynak: https://www.qanatone.com/en/haber/revolut-research-pragma/

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# Revolut builds a research unit around its own model, PRAGMA

25 Aug 2026 1 min read News · Payments

Revolut announced Revolut Research on August 25. PRAGMA improved fraud recall by 64.7% over its own specialist models.

## What PRAGMA is

Revolut, which has more than 80 million retail customers, set up Revolut Research inside its AI department to build PRAGMA, a family of encoder-style transformer models developed with NVIDIA. It was pre-trained on about 24 billion banking events from roughly 26 million users in more than 100 countries, and powers risk assessment, platform operations and product recommendations.

## Results

Against Revolut's own specialist models on historical data, PRAGMA improved fraud recall by 64.7%, credit-scoring precision-recall by 130% and recommendation relevance by 40%.

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