Inside PRAGMA: Revolut's Foundation Model for Banking

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× This month, Revolut Research and NVIDIA published PRAGMA : an encoder-only transformer trained on 26 million user histories spanning 24 billion events and 207 billion tokens across 111 countries. To my knowledge it is the largest encoder backbone for consumer banking event data anyone has put on arXiv. Nine months earlier, Nubank had published nuFormer , a similar premise with the opposite…

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