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‘Statistically Better Than Humans’: Revolut Says AI Is Transforming AML Monitoring


5/25/2026 08:36 am 

WASHINGTON—Artificial intelligence is now outperforming humans in some key areas of financial crime compliance, according to American Banker, which reported comments from Revolut U.S. CEO Cetin Duransoy during Semafor’s Banking on the Future Forum in Washington.

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Duransoy said AI-driven transaction monitoring at the fintech performs “statistically significantly better than human reviews of the transactions,” allowing human investigators to focus on more complex cases.

Duransoy said AI has evolved from a supplemental tool into “core infrastructure” at Revolut, helping the company manage regulatory requirements across 39 countries while also supporting know-your-customer and anti-money-laundering functions. He added that every employee at the company now uses AI in some capacity, including customer service systems powered by large language models that generate responses using actual account information.

The executive also warned that financial institutions are entering an escalating arms race with fraudsters who are increasingly deploying agentic AI tools capable of creating convincing fake personas and conducting scams without human involvement. Duransoy argued that social media companies should bear greater responsibility for fraudulent advertisements appearing on their platforms and voiced support for the proposed Scam Act, legislation that would require platforms to verify advertiser identities and limit liability protections tied to deceptive ads.

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