Stripe and PayPal tie at 72/100 overall, decisively outpacing Revolut's 43-point gap. PayPal leads on revenue extraction from AI (45 vs. Stripe's 35), signaling more monetized models, while Stripe edges Stripe on R&D investment (75 vs. 70) and matches PayPal's product integration depth (78). Revolut's critical weakness is revenue generation from AI at just 20—it has integrated AI tactically into operations but hasn't monetized it, leaving 15+ points on the table compared to peers. The most telling gap is internal maturity versus external value capture.