Capital One’s revenue is primarily from Domestic Card (interest income, interchange, and fees; now including Discover), Consumer Banking (deposits, auto loans, checking), Commercial Banking (loans and services), and the Discover global payment network (network/transaction fees). Emerging contributors include Capital One Travel and Brex (business payments; interchange/software). AI is a key enabler in underwriting, fraud detection, marketing, and operations but does not directly generate revenue. Monetization remains interest, fees, and interchange; AI is indirect across all sources.