AI Finance

The fastest-monetizing parts of AI in finance are tools that combine high frequency, high pain points, embedded workflows, and auditability: payment fraud prevention (Adyen Uplift, Visa Protect, Mastercard DI), AML/KYC/transaction monitoring, research-document and earnings-call parsing (FactSet, Moody's, LSEG, S&P), credit and lending decisions (FICO, Upstart), wealth-advisor copilots, and fixed-income post-trade processing (Broadridge/LTX). The profit pool is more likely to land in composite platforms that pair data, workflow, and compliance rather than in the pure model layer. JPMorgan's LLM Suite reached 200,000 employees in 8 months and Morgan Stanley's Debrief/AskResearchGPT are at scale, but these remain primarily internal efficiency tools, and new external software revenue will take longer to materialize. Among AI-native names, AlphaSense's ARR tops $500 million, Hebbia's Series B raised $130 million, Quantexa's Series F valued it at $2.6 billion, and Feedzai is valued around $2 billion, yet penetration and pricing power are still unproven. Rating Overweight: the durable winners are the owners of trusted data, embedded workflows, and accountable, auditable outputs.