PRAGMA pre-trains a Transformer on heterogeneous banking events with a tailored self-supervised masked objective, yielding embeddings that support strong downstream performance on credit scoring, fraud detection, and lifetime value prediction using linear heads or light fine-tuning.
Transactiongpt.arXiv preprint arXiv:2511.08939
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PRAGMA: Revolut Foundation Model
PRAGMA pre-trains a Transformer on heterogeneous banking events with a tailored self-supervised masked objective, yielding embeddings that support strong downstream performance on credit scoring, fraud detection, and lifetime value prediction using linear heads or light fine-tuning.