1. AI-Driven Fraud Detection & Security
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Visa Protect suite—including tools like Visa Deep Authorization, Advanced Authorization, and Real-Time A2A protection—uses deep learning models to analyze hundreds of risk signals and block transactions in real time
These systems process over 230 billion transactions annually, preventing tens of billions in fraud losses every year
2. Ensuring Payment Resiliency
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Smarter Stand‑In Processing (STIP) and Smarter Posting deploy AI to authorize transactions during issuer outages, reducing false declines and ensuring continuity
3. AI Agents That Actually Pay for You
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In partnership with OpenAI, Microsoft, Anthropic, Perplexity, IBM, Stripe, Samsung and others, Visa is building AI-powered commerce—allowing digital assistants to make purchases within user-defined budgets
Through Visa Intelligent Commerce, developers gain APIs to enable secure, tokenized credentials for AI agents, with real-time transaction oversight and consumer control Pilots are live, with broader rollouts planned in 2025–26.
4. Next‑Gen Digital Identity & Tokenization
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Features like Tap to Add Card, Payment Passkey, and tokenized credentials (already powering half of Visa’s transactions) improve security and streamline checkout experiences
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Flex Credential allows users to seamlessly toggle between debit, credit, and buy-now-pay-later options.
5. Data Infrastructure & Generative AI
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Visa has invested over $3–3.3 billion in AI and data infrastructure in the past decade and is exploring generative AI to enhance fraud detection, automate customer service, and drive personalized offers.
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Their CTO confirms hundreds of generative AI applications internally, with ongoing pilots for “AI digital employees”
6. Fighting Scam Ecosystems at Scale
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Visa has committed $12 billion over five years to a global scam-fighting initiative: using AI and dark-web intelligence to dismantle criminal networks and disrupt fraudulent merchant operations.
Bottom Line
Visa is transforming from a card network into an AI-first commerce infrastructure—leveraging advanced models, tokenized credentials, and data to offer smarter, more secure, and autonomous payment experiences. From fraud prevention to giving AI agents the power to transact on our behalf, the company aims to dominate the future of digital commerce.
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