To The Moon

$JPMorgan Chase(JPM)$ $NVIDIA(NVDA)$ $Palantir Technologies Inc.(PLTR)$ 🔥🤖💰​ AI Is Banking Billions: Here’s Where the Money and Momentum Are Heading 💰🤖🔥

Wall Street is waking up to a $170 billion profit catalyst hiding in plain sight, AI. But it’s not just about ChatGPT and fancy headlines. From trillion-dollar banking forecasts to developer productivity surging at historic levels, the AI revolution is now deeply structural, and the upside is compounding fast.

🧠 AI Will Add $170B in Pure Profit to Banking by 2028

Let’s start with the numbers that matter. In 2023, the global banking sector earned $1.439T in profit. Forecasts predict that by 2028, baseline profits (even without major AI adoption) will rise to $1.823T. But with AI, we’re talking $1.993T total profits, a staggering $170B gain purely from AI-driven optimisation.

That’s a 9.3% delta purely attributable to better fraud prevention, automation, algorithmic underwriting, and hyper-personalised banking experiences. For context, that’s more incremental profit than many entire sectors generate annually.

🎯 Sectors Racing to Integrate AI and Where Investors Should Look

AI adoption is not evenly distributed. New data shows the top five industries leading AI transformation over the next five years:

• Information & Tech Services (66%)

• Telecommunications (66%)

• Financial Services & Capital Markets (61%)

• Insurance & Pension Management (58%)

• Education & Training (56%)

This aligns perfectly with investment flows, capital is chasing efficiency. The higher the margin pressure or data complexity, the faster AI gets embedded.

🧑‍💻 AI Boosts Productivity: The Developer Play Is Exploding

The 2024 Stack Overflow survey reveals the developer world is riding a productivity rocket:

• 81% of devs say AI boosts productivity

• 62% report AI tools help them learn faster

• Nearly 59% see greater workflow efficiency

AI isn’t replacing coders, it’s supercharging them. Think of it as leverage, the same team, but now with 3–5x output velocity.

This is precisely why companies like GitHub (Microsoft) and OpenAI have become essential infrastructure, developers don’t just prefer these tools, they’re now non-negotiable.

💡 ChatGPT Isn’t Just Popular, It’s Dominant

Among developer tools, usage is no longer scattered. It’s a landslide:

• ChatGPT (OpenAI): 81.7%

• GitHub Copilot (Microsoft): 44.2%

• Google Gemini: 22.4%

• Bing AI & Visual Studio Intellicode (Microsoft): trailing but notable

The winner take most dynamics here are profound. Platform lock-in is real, and whoever powers developers will own the next layer of infrastructure.

📈 High-Impact Stocks in the AI Chain Reaction

Based on cross-sector demand, platform dominance, and monetisation momentum, here’s where I see the greatest upside concentration:

1. Core AI Infrastructure & Model Providers:

• Microsoft (MSFT): Dominating both ends, owning GitHub Copilot and being the largest investor in OpenAI. Azure AI is powering enterprise AI adoption globally.

• Nvidia (NVDA): GPU supply bottlenecks remain real. They are the arms dealer of the AI war. Every AI model from OpenAI to Google Gemini relies on them.

• Alphabet (GOOGL): Gemini, DeepMind, and Google Cloud are increasingly sticky. They are no longer just a search company, they’re a foundational AI firm.

2. Enterprise AI & SaaS Integrators:

• Salesforce (CRM): With Einstein AI and Slack GPT integrations, they’re transforming how businesses interact with clients and internal workflows.

• Palantir (PLTR): Public and private sector data aggregation and AI analytics. As AI demands cleaner, structured data, Palantir’s edge is compounding.

• Snowflake (SNOW): Data lakes are the fuel for AI. Snowflake enables scalable access to structured and unstructured data with ease and governance.

3. FinTech & AI-driven Financial Services:

• JP Morgan (JPM) and Bank of America (BAC): Already deploying AI in trade execution, fraud, and customer insights. Expect productivity gains to scale.

• Intuit (INTU): Small business financial AI and tax AI services, hugely underserved and increasingly automated.

• Upstart (UPST): AI-driven credit scoring models already outperforming traditional FICO in some verticals.

4. Developer Platform Dominators:

• GitHub (MSFT), OpenAI (via MSFT), Google Gemini (GOOGL): Usage rates among developers prove that AI-native tooling is now mission-critical.

🚀 Unique Insight: AI Adoption Creates Trillion Dollar Second Order Effects

Here’s what’s underappreciated, AI doesn’t just benefit the company selling the tool. It rewires industry P&Ls by enabling:

• Margin expansion for banks and insurers

• Productivity gains for enterprise dev teams

• Upskilled workforces across telco, education, and healthcare

These second order effects will spark new winners in sectors previously seen as slow-moving. Expect vertical AI SaaS (e.g. medical diagnostics AI, education AI, logistics AI) to drive outsized returns.

🔍 What to Watch Next

1. Q2–Q3 earnings commentary on AI spend: Who’s deploying capex vs who’s cutting costs? Follow the money.

2. Enterprise AI monetisation metrics: Which firms are showing pricing power from AI offerings?

3. AI legislation and data privacy shifts: This could reprice risk across sectors, especially in FinTech and healthcare.

⚠️ Risks to Monitor

• Regulatory overreach in data privacy and AI bias

• Compute bottlenecks limiting rollout

• Winner take most dynamics squeezing smaller players

🧠 My Take

This AI shift isn’t linear. It’s exponential. From $170B in added profit for banking to over 80% developer adoption, we’re witnessing a foundational rewiring of global productivity. I’m positioning into the picks and shovels players, Microsoft, Nvidia, and Snowflake, while rotating into high-leverage second-tier movers like Palantir, Salesforce, and Upstart.

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Trade like a boss! Happy trading ahead, Cheers, BC 📈🚀🍀🍀🍀

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