🔵 Ten financial institutions have now trained and published a transformer on their own transaction sequences. Lloyds' Atum went live this week, trained on ordered transaction events across 28 million customers. Revolut's PRAGMA, built with Nvidia, is already reporting a 20% lift in fraud-detection precision. RBC's ATOM sits inside its Lumina data platform. Nubank's NuFormer traces back to the Hyperplane acquisition. Visa has two, TransactionGPT and TREASURE. Mastercard folded in Featurespace's tech for its own. Stripe, Plaid, Adyen and Razorpay each have one too, Adyen's trained on 51 trillion tokens across 200 billion payments, more than twice Llama 4's training corpus. #AI #models #fintech #banking #payments