Is the "AI-native bank" a distant reality — or is it already here?

In this episode of Fintech Conversations & Insights, I sit down with Georgios Kolovos, NVIDIA conversations & Insights,'s EMEA Payments and Fintech Leader, to unpack what's actually happening at the infrastructure layer of financial services.

We go deep on Revolut's PRAGMA — the foundation model trained on roughly 40 billion banking events from 25 million users — and what it signals for the rest of the industry.

We talk about why Transaction Foundation Models break the silos that have defined financial services for decades, why off-the-shelf models won't cut it for Tier 1 banks, and why Mastercard, Stripe, Adyen, Plaid, and Nubank are all building down the same path.

We also discuss:
✅ The impressive presence of financial services at NVIDIA GTC 2026
✅ The "AI Factory" framework
✅ Why specialized models and Transaction Foundation Models are complementary
✅ How event-sequence data (not just transactions) is the real moat behind PRAGMA
✅ Whether a "Financial World Model" — a digital twin of an entire payments ecosystem — is fantasy or roadmap

Guest Bio:
Georgios Kolovos is a payments executive, who has worked across the payments value chain, with issuers, digital currency wallets, and merchants. Currently Georgios leads the payments and fintech practice of NVIDIA in EMEA, working with payments companies to accelerate their Machine Learning and AI innovations. Primary focusing on Transaction Foundation Models and Agentic Commerce.

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