How We Use AI

Payney uses AI to select, research and write finance news and guides. Our publishing process is automated. A named author or The Payney Desk byline identifies editorial responsibility; it does not mean a human has checked every sentence before publication.

Research and publication

News leads come from established outlets. The current generator uses web search to find additional sources and is instructed to prefer filings, official statistics, regulators and other primary documents. It supplies a source list alongside each new researched article or guide.

Before publication, software checks required fields, source URLs and parts of the writing format. A source URL must have appeared in the research results or be the original news lead. This checks where a link came from; it cannot establish that every statement is supported by that page. Material that fails these checks is not published by that run.

Older archive articles predate this research workflow and may have only an originating source link. We do not describe the entire archive as independently verified.

Guides, calculators and current data

Our evergreen generator is scheduled three times a week. Some guides have a refresh interval, and pages show publication and update dates. Calculators apply the formulas and assumptions described on their pages. Mortgage-rate data carries the source and observation date. These tools provide estimates, not personal recommendations.

Editorial responsibility

Founder Stanislav Stepanenko is responsible for the system, publishing policies and corrections. There is no mandatory human approval step for every automated article. AI can misread a source, omit context or produce an incorrect number even when a citation exists.

Corrections

Send the page URL and the specific issue to [email protected]. Substantive corrections should be described on the affected page. See our editorial standards and privacy policy.