AI INSIGHT
Wise edges Revolut slightly (45 vs. 43) on overall AI exposure, but the gap is negligible—both fintech players occupy the same competitive tier. Revolut leads on R&D Investment (50 vs. 45) and Internal Use (60 vs. 55), suggesting more aggressive AI staffing and deployment, while Wise matches Revolut on Product Integration (55) despite lower R&D spend, indicating more efficient AI-to-product translation.