Independent analysis of AI for payments and finance operations
ScalePoint Research evaluates AI models on payments and finance workflows, scoring them on the financial mistakes they make and the total token cost to run them. See the research agenda →
Free to use. Sign up to get updates.
- 51payments and finance processes mapped across six types of firm
- 34AI models tested via OpenRouter, each with its hosting route and data retention terms
What the tests show so far
Every chart below comes from the live leaderboards and updates when a test does. Enter research for every result.
The research agenda
AI agents are showing up in payments and finance operations, both in vendor products and in tools firms build themselves. Either way, an AI model underneath does the work.
The testing programme Every test answers these three questions about each model
How well does each model do a given payments task, and what do its mistakes cost?
Each test has a leaderboard that ranks models on the money they get wrong, kept up to date as new models come out.
What does each model cost per task?
Every leaderboard shows the model cost per task next to the score. The Test 1 article has a calculator that turns this into a cost a month at your own volume, with an estimate for checking time and mistakes.
Where can each model run with zero data retention?
The hosting page shows the route each model ran on and whether that route keeps a copy of the data. EU hosting will be added where it can be confirmed.
Each test takes one task from a map of 51 payments and finance processes. Read the full research agenda →
Articles
The ScalePoint Research Agenda
What the research tests and why, the 11 clusters of payments and finance processes, and what comes after the first series.Read → Research · Model testsHow ScalePoint Research Decides What to Test
Which steps the tests give to a model, which they leave to code, and the judgement skills they score.Read → Latest test · Test 2Reconciling Settlements
What Test 2 found when 11 models reconciled a month of card and payout settlements, and how far apart the models were.Read → AI economicsThe Unit Economics of AI in Payments and Finance Operations
What an AI model really costs per case once checking, mistakes and fixed costs are counted.Read →Free to use. Get an email when a new test is out.
Sign up to get an email when a new test or price update comes out.
About
Martin Koderisch is the founder and lead analyst of ScalePoint Research. He focuses on testing how well AI models handle payments and finance operations tasks, and what they cost to run, so that payments and finance teams can make better build or buy decisions.
He spent ten years in operating roles at Citi, Mastercard and the start-up Luup, then nine years at Edgar, Dunn & Company, latterly as a Principal, on more than 75 engagements for banks, fintechs, card networks, private equity firms and merchants. Since 2024 he has worked independently with payments and fintech businesses on strategic finance and value creation. He splits his time between London and Barcelona.
Martin on LinkedIn →Custom research and advisory
ScalePoint Research also takes on custom work for payments and finance teams, from testing models on a firm's own files to the business case behind the decision.
- The wider agenda. Beyond the tests: which AI use cases to fund first, what they cost in full, whether to build, buy, scale or stop, and whether the value is showing up. The articles cover these in general terms, and custom work answers them for your firm. Read more →
- Private evaluations. Testing AI models, or a vendor's AI product, on your own cases, with accuracy and cost per task at your volume.
- Unit economics and strategic finance. What a process costs to run today and with AI at your volumes, whether the savings in a business case will land and when, and how that feeds a budget, a value creation plan or a deal.
- Build or buy. Whether to build, buy or combine for a given process, and what good looks like before an RFP.
Email Martin Koderisch to talk it through. Every piece of work is agreed in a fixed-price statement of work.
martin@scalepointpartners.com