[hermaj]

Speaking as someone with some years experience in ML to me there is a world of difference between the front page for wise.io and mynaweb.com (presuming these are the competing sites).

The Myna page explicitly states it uses multi armed bandit algorithms, the algorithm fits the properties of the following claims. Wise's use of 'patent-pending', 'machine learning technology' and 'deploy machine intelligence' gives the impression of hiding shortcomings with jargon.