{"id":120000,"date":"2026-07-27T12:05:08","date_gmt":"2026-07-27T12:05:08","guid":{"rendered":"https:\/\/www.europesays.com\/ai\/120000\/"},"modified":"2026-07-27T12:05:08","modified_gmt":"2026-07-27T12:05:08","slug":"everyones-using-ai-so-where-does-the-advantage-come-from","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ai\/120000\/","title":{"rendered":"Everyone’s using AI. So where does the advantage come from?"},"content":{"rendered":"

Weekly 10-Q<\/p>\n

The weekly 10-Q newsletter is part of the Tearsheet Pro subscription<\/a>, where I unpack the recent moves and strategies of leading banks and fintechs in the public space, coupled with stock market analysis.\u00a0In your inbox every Friday!<\/p>\n

\n\"\"\/\n<\/p>\n

Message Sara<\/a><\/p>\n

Everyone\u2019s using AI. So where does the advantage come from?<\/p>\n

Why every AI strategy is becoming a data strategy.<\/p>\n

Two years ago, the AI race was about models. Now large language models (LLMs) are increasingly capable and widely accessible. The performance gap between them continues to narrow. As that happens, financial firms are realizing that the harder challenge now is actually giving those models something meaningful to reason over.<\/p>\n

Across recent conversations with executives from Intuit Credit Karma, J.P. Morgan Payments, Deloitte, and others, it\u2019s becoming clear that AI is only as valuable as the data, context, and systems surrounding it.<\/p>\n

Derek White, former CEO of Galileo Financial Technologies, distills that thinking into a key takeaway<\/a>: \u201cAI applications are only as good as the data that goes into them, and the human oversight and strategy used to guide and deploy them.\u201d<\/p>\n

Data is THE product<\/p>\n

AI is taking different forms across the financial services landscape.<\/p>\n

Credit Karma is using AI-powered assistants to recommend what consumers should do with their debt, tax refunds, and paychecks. J.P. Morgan Payments is preparing for AI agents capable of shopping and transacting autonomously. Smaller banks are experimenting with Gen AI to improve fraud detection and customer service.<\/p>\n

\u2026<\/p>\n

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