Revolut首席执行官尼克·斯托罗恩斯基表示，公司希望突破传统银行业务的局限，成长为一家能与美国顶尖科技巨头比肩的全球性科技公司，不过这家公司要诞生于欧洲。斯托罗恩斯基与Exor首席执行官约翰·埃尔坎在都灵的Wave by Vento活动现场进行了对话，该环节的主题为“全球领军企业：植根于欧洲”。
Revolut wants to grow beyond banking into a global tech company on the scale of the biggest US groups, but built in Europe, chief executive Nik Storonsky said. He spoke with Exor chief executive John Elkann at Wave by Vento in Turin, in a session titled “Global Champions, European roots”.
斯托罗恩斯基说道：“我们的‘美国梦’——在此语境下也可称为‘欧洲梦’——就是打造一家类似于Meta、谷歌或OpenAI的全球性科技公司，只不过这家公司要诞生在欧洲。”
“Our American dream, I mean, in this case, European dream, would be to build a global tech company similar to Meta, Google or OpenAI, but out of Europe,” Storonsky said.
他补充道，这意味着公司未来将提供各类科技服务与产品，而不仅限于银行业务，不过这些服务仍会与金融领域相关。今年8月，TNW曾报道称，一项针对斯托罗恩斯基的新股权交易计划旨在助力Revolut实现5000亿美元的估值。
That would mean other technology services and products, not only banking, he said, though still related to finance. In August, TNW reported that a new share deal for Storonsky targets a $500bn valuation for Revolut.
斯托罗恩斯基透露，目前Revolut已在自行开发基础模型，这些模型以交易数据作为训练素材；同时公司也在研发自有大型语言模型。此外，Revolut还正在建设专属数据中心用于模型训练。他表示，公司的目标并非与美国科技企业直接竞争，而是达到与之相近的规模。
Building its own models Revolut already builds its own foundation models, trained on transaction data, and its own large language models, Storonsky said. It is also building its own data centres to train them. The goal is not to compete with American tech companies, he said, but to reach a similar scale.
在同一场活动中，前沃达丰首席执行官维托里奥·科拉奥指出，目前欧洲的AI算力总量尚不足2吉瓦。
At the same event, former Vodafone chief executive Vittorio Colao said Europe has less than 2 gigawatts of AI computing capacity.
科拉奥还提到，未来AI智能体将能够借助Revolut提供的加密卡信息为客户代购商品。Revolut也计划推出基于AI的消费建议、股票及基金推荐服务。此外，公司还将开放自身平台，允许第三方智能体通过MCP协议（一种通用的AI工具连接标准）与Revolut的AI智能体互动，所有操作均需经过用户授权方可执行。
AI agents will be able to shop for customers using Revolut’s secure card details, he said. Revolut also plans AI advice on spending, stocks and funds. It will open its platform so third-party agents can talk to its own agents through MCP, a standard way to connect AI tools, with every action authenticated by the customer.
斯托罗恩斯基表示，他更倾向于保持平台开放性，即便这样可能会损失部分功能。今年7月，Revolut便与OpenAI达成合作，将ChatGPT Go服务整合进自身的订阅套餐中。
He would rather keep it open than closed and miss features, he said. In July, Revolut partnered with OpenAI to bundle ChatGPT Go into its subscriptions.
AI技术也在改变着他的企业管理方式。斯托罗恩斯基称，过去他一直根据员工的优劣势来搭建管理体系，如今他仍在探索如何基于AI技术来构建新的管理体系。
AI also changes how he runs the company. He has always built systems around people’s strengths and weaknesses, he said. He is still working out how to build them around AI instead.
斯托罗恩斯基称，他手下有大约50名直接下属，并且尽可能精简中层管理人员。他有时会直接与开发人员和设计师共事。一旦出现问题，他会直接深入相关经理的团队中亲自评估情况。
Fifty direct reports Storonsky said he has about 50 direct reports and removes middle management where he can. He sometimes works directly with developers and designers. When something does not work, he goes straight to a manager’s own team to judge it himself.
他将公司比作一支管弦乐队。他说，创始人应当几乎能演奏所有乐器，这样才能判断出谁演奏得好。
He compared a company to an orchestra. A founder should be able to play almost every instrument, he said, so that he can tell who plays well.
Revolut在招聘时看重三点：进取心、卓越的智力水平以及专业技能。他表示，如果只能选两项，他会选择智力与进取心，因为技能是可以后天习得的。他还指出，善于从基本原理出发思考的年轻人往往能胜过那些经验丰富的人。Revolut会赋予这些年轻人更多责任，直到出现失误为止。
Revolut hires for three things: ambition, raw brain power and skills. If he could pick only two, he would take brain power and drive, because skills can be learned, he said. Young people who think from first principles often beat experience, he said. Revolut gives them more responsibility until something breaks.
交易、加密货币与投资者 在创立Revolut之前，斯托罗恩斯基曾是一名交易员。他表示，这段经历让他养成了风险管控意识，也学会了根据新信息及时调整自己的判断。如今许多商界人士却因过去曾做出某种决定而固执己见、不愿改变。他说，Revolut创立后的头两三年都在为生存而挣扎，因为当时公司亏损严重。
Trading, crypto and investors Storonsky worked as a trader before founding Revolut. Trading taught him discipline about risk and to change his mind as new information arrives, he said. Too many people in business stick with an opinion because they chose it in the past. The first two or three years of Revolut were about survival, he said, because it was losing a lot of money.
他认为加密货币是一项极具潜力的技术，但目前其主要用途仍是投机，因为各国政府不会允许货币完全脱离管控。
Crypto is a great technology, he said, but its main use is speculation, because governments will not allow money to be free.
由于融资过程异常艰难，他创办了风险投资公司QuantumLight，该公司依靠模型而非人为判断来筛选投资项目。他表示，除非团队主动求助，否则投资者不应过多干涉。
Difficult fundraising rounds led him to start QuantumLight, his venture firm, which picks investments with models rather than human judgment. Investors should leave a good team alone unless it asks for help, he said.