Revolut目標超越銀行業務，成為全球科技公司，執行長表示

作者：Elvira PollinaBy Elvira Pollina

杜林，10月9日（路透）——Revolut執行長尼克・斯托龍斯基（Nik Storonsky）週五表示，Revolut計畫超越金融服務，發展更廣泛的科技產品組合。這家歐洲估值最高的新創公司正加速深入全球市場。TURIN, Oct 9 (Reuters) - Revolut plans to move beyond financial services and develop a broader suite of technology products, Chief Executive Nik Storonsky said on Friday, as Europe's most valuable startup pushes deeper into global markets.

斯托龍斯基表示，Revolut已開發自有AI模型，這些模型以客戶交易資料訓練，採用的技術類似支撐大型語言模型的技術。Storonsky said Revolut had developed proprietary AI models trained on customer transaction data, using techniques similar to those underpinning large language models.

他在義大利杜林舉行的Wave by Vento科技論壇上表示：「Revolut每天有3000萬到4000萬筆交易發生，我們擁有可用來發展的獨特資料集。」他並補充說，他的長期目標是讓Revolut達到可與美國最大科技公司比肩的規模。"With 30 to 40 million transactions taking place every day on Revolut, we have a unique dataset to build on," he said at the Wave by Vento tech forum in Turin, adding that his long-term goal was for Revolut to reach a scale comparable with the biggest US technology companies.

Revolut的快速成長已引發監管審查。2025年，立陶宛央行因交易監控管制缺失，對Revolut開出創紀錄的350萬歐元罰款，不過該公司表示，調查未發現已確認的洗錢案例，且公司已強化系統。Revolut's rapid growth has drawn regulatory scrutiny. In 2025, Lithuania's central bank imposed a record €3.5 million fine over shortcomings in transaction-monitoring controls, though the company said the investigation found no confirmed instances of money laundering and that it had strengthened its systems.

9月，Revolut意外將客戶資料傳送給冒充政府調查人員的駭客。該公司表示，其系統和客戶資金未受影響。In September, Revolut accidentally sent customer data to hackers posing as government investigators. The company said its systems and customer funds were unaffected.

Revolut成立至今略逾10年，今年在一筆次級市場股票出售交易中的估值達1150億美元，高於2024年的450億美元。該公司目前的非公開市場估值，已超過英國巴克萊銀行或法國興業銀行的市值。Founded a little over a decade ago, Revolut was valued at $115 billion in a secondary share sale this year, up from $45 billion in 2024. It is now privately valued at more than the market capitalisation of Britain's Barclays or France's Societe Generale.

該公司近幾週宣布取得多項新執照。繼今年稍早取得英國和法國執照後，Revolut於9月獲得美國全國性銀行執照的初步核准。The company has announced several new licences in recent weeks. It received preliminary approval for a national banking licence in the United States in September, after winning licences in Britain and France earlier this year.

斯托龍斯基週四告訴彭博電視，若Revolut掛牌上市，將傾向以美國作為主要上市地。If Revolut were to list its shares, it would favor a primary listing in the US, Storonsky told Bloomberg TV on Thursday.

（Elvira Pollina與Giulio Piovaccari報導，Elaine Hardcastle編輯）(Reporting by Elvira Pollina and Giulio Piovaccari, editing by Elaine Hardcastle)