AI Index / Pagaya Technologies Ltd.
Pagaya Technologies Ltd. (PGY)
Main revenue sources: (1) Fee revenue from lenders for Pagaya’s B2B platform across personal loans, auto, and POS (decline monetization, affiliate optimizer, direct marketing engine, FastPass/DualLook); (2) Capital markets/servicing and securitization-related fees (ABS, forward flow), with investment gains/losses incidental. AI/ML directly powers verification, underwriting, and channel optimization across the lending funnel, making AI a core driver of fee monetization rather than a standalone product sale. Thus, AI contributes directly and materially to revenue generation.
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We embed data and machine learning as a backbone of our offering across the entire lending funnel.
- Gal Krubiner
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Quotes from pagaya-technologies Executives About Artificial Intelligence and Generative AI
We're building the platform that connects lenders with better data, more automation, and smarter decisions.
- Gal Krubiner
Products above and beyond declined monetization are already contributing significantly to Pagaya Technologies Ltd.'s volume and revenue.
- Sanjiv Das
The next level of diversification, I would say, is now actually bringing more partners with which we do forward flows.
- Evangelos Perros