The AI Fintech Arms Race: Revolut, Nubank, and the Ghost in the Machine
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Image source: https://www.imarcgroup.com/fintech-market-statistics The AI Fintech Arms Race: Revolut, Nubank, and the Ghost Stack That’s Coming Authored pseudonymously. You’ll understand why by the end. Fintech is no longer about flashy cards or slick UI. The real war is happening beneath the surface - inside the pipelines, the models, the invisible architectures that quietly determine who wins and who fades. Call it the AI Fintech Arms Race . And in this race, even Revolut and Nubank - two of the most dominant neobanks of the decade - might not be as safe as they think. Because somewhere, a ghost stack is being built. And it doesn’t play by the rules. Revolut: The Feature-First Hydra Revolut has mastered the art of product layering. FX, crypto, stocks, P2P, budgeting, travel - it’s all there. Their valuation floats on this sheer surface complexity, bolstered by a culture of rapid shipping and modular UX. Behind the scenes, Revolut’s AI stack is surprisingly robust: Anomaly...