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EVTC EVERTEC INC $1.6B
No. Proprietary models are mentioned. Risk Center is not called intelligent.
5 of 15
Reach, Weight, and Proof.
What they are doing
Evertec's 2025 annual report says it invests in artificial intelligence and predictive models as a value-added service, alongside processing and fraud tools such as Risk Center, Scudo, and 3DS. It does not say those fraud tools are the AI. A risk factor says the company already uses proprietary AI and machine-learning algorithms across the business, and that the research is still ongoing. No program is named, and no result is given.
Why the score
- Reach 1 not 2: algorithms across the business, not one function we can see. Risk Center is not tied to the AI sentence.
- Weight 2 not 3: a current use with no project a rival has to answer.
- Proof 2 not 3: named in the 10-K. Not in a named payment decision.
What would move it next quarter: Risk Center, Scudo, or authorization described as a model, with a result. Listing AI as an investment line will not move this.
Open these first
Evidence
Evertec invests in artificial intelligence and predictive models as a value-added service. Fraud tools named separately include Risk Center, Scudo, and 3DS. The company says it currently uses proprietary AI and machine-learning algorithms throughout the business, and that research and development remain ongoing.