Visa Press Releases

Visa Launches Enhanced A2A Protect Innovations to Help Financial Institutions Stop Fraud Before Money Leaves Accounts

Tue, 01 Sep 2026 09:00:00 -0400

New unified fraud score is the company’s first combined offering in-market since Visa’s acquisition of Featurespace
A2A Protect has been shown to reduce over 50% more fraud and help reduce over 40% in unnecessary fraud alerts

SAN FRANCISCO--(BUSINESS WIRE)-- Visa (NYSE: V), a world leader in digital payments, today announced an enhanced version of A2A Protect, delivering real-time risk insights that help banks stop account-to-account fraud before money leaves customer accounts. The expanded solution introduces a new unified fraud score—Visa’s first in-market integration of Featurespace technology—giving financial institutions faster, clearer signals to detect more fraud while reducing unnecessary alerts.

As account-to-account (A2A) payments accelerate globally, A2A transactions are projected to surpass 5.8 trillion by 2028, a 160% increase from 2024¹. A2A Protect leverages advanced AI and sophisticated transfer learning and gives banks immediate access to critical global risk insights on A2A transactions, without waiting months for models to develop intelligence from a bank’s own transaction data, and without having to wait for other banks to join a consortium, delivering results and value from day one. Banks that opt in can incorporate additional network-level signals to enhance detection of emerging threats operating across the ecosystem.

“Fraudsters move fast across payment types, and financial institutions need risk insights just as quickly, without slowing down legitimate payments,” said James Mirfin, Head of Risk and Security Solutions, Visa. “A2A Protect combines Visa’s network expertise with Featurespace’s technology to deliver a powerful new layer of protection that helps financial institutions detect more fraud, earlier.”

For financial institutions that opt into network level intelligence sharing, A2A Protect highlights emerging scam hotspots and coordinated fraud activity – insights that may be difficult for individual financial institutions to detect alone, and that help the wider ecosystem respond faster to new threats. This gives financial institutions a more complete and early view of risk, helping to identify scams before authorization. In fact, Visa A2A Protect has been shown to increase fraud detection by 75% in the first six months of deployment.

A2A Protect integrates with financial institutions’ current systems through a single API, reducing implementation time and complexity. Each alert includes a plain language explanation of why a transaction was flagged, helping fraud teams act quickly and confidently without disrupting genuine customers.

For more information on how Visa works to prevent fraud across the ecosystem, visit Visa.com/security.

About Visa Inc.

Visa (NYSE: V) is a world leader in digital payments, facilitating payments transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com.

____________________

¹ Juniper Research, Global Instant Payments Market Report, September 2025

Media Contact
press@visa.com

Source: Visa Inc.

Visa Expands Support for its Clients and the Industry as Organizations Navigate New AI Era of Cybersecurity

Thu, 27 Aug 2026 08:00:00 -0400

Latest Visa Vulnerability Agentic Harness release moves AI-powered cyber risk management from discovery to validated remediation

New services from Visa Consulting & Analytics help clients identify the vulnerabilities that matter most and act before bad actors do

SAN FRANCISCO--(BUSINESS WIRE)-- Visa (NYSE: V) today announced enhancements to its cybersecurity portfolio to help organizations identify and fix vulnerabilities more effectively. Unveiling the next evolution of the Visa Vulnerability Agentic Harness (VVAH), its open-source, model-agnostic framework, Visa is helping organizations significantly reduce the Mean Time to Adapt (MTTA), the time between discovery and resolution of attack paths, with some resolutions shrinking from weeks to hours.

And to help clients navigate this evolving threat landscape, Visa also announced the expansion of its Visa Consulting & Analytics (VCA) Cybersecurity Advisory Practice with new advisory services designed to help clients assess risk, prioritize remediation efforts and strengthen resilience in an evolving threat environment.

"AI is compressing the time between vulnerability discovery and exploitation, which means defenders need a faster, more reliable path to action," said Rajat Taneja, President, Technology, Visa. "By advancing VVAH and expanding our cybersecurity advisory capabilities, we're helping organizations move from insight to validated remediation while strengthening resilience in an increasingly AI-driven threat landscape."

Expanding VVAH

Originally released following Visa's participation in Anthropic's frontier AI cybersecurity initiative, Project Glasswing, VVAH demonstrated how AI can help security teams uncover vulnerabilities, assess exploitability and generate structured findings. The latest release extends that workflow beyond discovery into remediation and validation.

Key enhancements include:

Closed-loop remediation: Structured feedback helps teams refine fixes that fail validation without restarting the process.
Flexible model choice: Organizations can now deploy approved Anthropic models and OpenAI models, in addition to any other AI model through configuration rather than code changes.
Greater visibility: Optional real-time progress views provide additional transparency into long-running scans and remediation workflows.

The framework is designed to help organizations discover, triage, remediate and validate vulnerabilities within a single structured workflow.

New Cybersecurity Services

To help organizations operationalize those insights, Visa Consulting & Analytics is introducing three new cybersecurity advisory services informed by Visa's experience in AI-powered security:

AI Cyber Leadership Education – Executive workshops, trainings and Visa University certification courses led by Visa's AI and cybersecurity specialists, sharing lessons from Visa’s experience with frontier AI cybersecurity, helping leaders prepare for an increasingly AI-driven threat environment.
VVAH-Informed Cybersecurity Maturity Assessment – Helps organizations apply VVAH framework to identify and evaluate potential vulnerabilities, understand areas of risk and prioritize remediation efforts.
VVAH Cyber Risk Prioritization and Roadmap – Provides strategic guidance to help organizations evaluate findings, prioritize remediation efforts, and develop a long-term cyber risk management roadmap.

"Finding vulnerabilities is no longer the hardest part. Speed to remediation is the new battleground. When AI-enabled attackers move faster and probe at scale, companies need AI-powered defenses," said Carl Rutstein, global head of Visa Consulting & Analytics. "Our enhanced cybersecurity advisory services combine insights from implementing frontier AI models for cybersecurity, VVAH, and decades of payments expertise to help clients prioritize risk areas, act quickly and build sustainable cyber resilience."

Over the past year, Visa Consulting & Analytics' Cybersecurity Advisory Practice has supported clients across a range of cybersecurity advisory engagements intended to help clients evaluate cybersecurity maturity, assess areas of cyber risk, and identify potential priorities for strengthening risk management and operational resilience. One example is CAIXA Cartões, which worked with Visa to support its cybersecurity maturity assessment and help prioritize its risk management and operational resilience initiatives:

"At CAIXA, we understand that cybersecurity is a fundamental pillar for customer trust and business sustainability in an increasingly complex digital environment,” said Lessandro Thomaz, Executive Director at CAIXA Cartões. “Our partnership with Visa has helped broaden our strategic perspective on cybersecurity by providing a structured assessment of the maturity of our processes and supporting the prioritization of initiatives focused on risk management and operational resilience. Projects like this reinforce the importance of collaboration between financial institutions and strategic partners to anticipate challenges, strengthen capabilities and deliver increasingly secure and reliable solutions to our customers."

Growing Momentum Across the Security Community

Since its open-source release in June 2026, VVAH has been downloaded by tens of thousands of developers across the world, reflecting growing interest in practical AI-powered vulnerability management. Visa also recently joined industry initiatives to further support the development of safe, secure and open practices as frontier AI continues to evolve. As a part of NVIDIA’s Open Secure AI Alliance, Visa is contributing VVAH as a model-agnostic framework, and through IBM and Red Hat’s Project Lightwell initiative, Visa is collaborating with other organizations to help secure open-source software.

For more information, explore the Visa Vulnerability Agentic Harness on GitHub or learn more about Visa's Value-Added Services cybersecurity offerings here.

About Visa

Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com.

Media Contact
Conor Febos
cfebos@visa.com

Source: Visa Inc.

Visa to Participate in Upcoming Investor Conference

Mon, 24 Aug 2026 16:05:00 -0400

SAN FRANCISCO--(BUSINESS WIRE)-- Visa (NYSE: V) today announced its participation in the following investor conference.

On Tuesday, September 8, Ryan McInerney, Chief Executive Officer, will present at the Goldman Sachs Communacopia + Technology Conference. The discussion will begin at 1:05 p.m. Pacific Time and last for approximately 35 minutes.

A listen-only audio webcast and replay will be accessible for 30 days following the event and available on the Investor Relations website at investor.visa.com.

About Visa

Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, sellers, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com.

Investor Relations: Jennifer Como, 650-432-7644, InvestorRelations@visa.com

Media Relations: Fletcher Cook, 650-432-2990, Press@visa.com

Source: Visa Inc.

Visa to Acquire BioCatch

Mon, 03 Aug 2026 08:30:00 -0400

BioCatch’s behavioral and device intelligence expertise expected to help detect scams, account takeovers and digital fraud before they happen

SAN FRANCISCO & TEL AVIV, Israel--(BUSINESS WIRE)-- Visa (NYSE: V) today announced it has signed a definitive agreement to acquire BioCatch, a leading provider of behavioral-first, multi-signal fraud intelligence, from funds advised by Permira and other shareholders for $2.4 billion in cash. The acquisition of BioCatch complements Visa’s existing cyber, fraud, risk and security solutions and is expected to help clients better protect themselves and their customers from the growing threat of account takeovers, scams, money mules and application fraud.

Since its inception, BioCatch has developed innovative AI and machine learning-based solutions that analyze thousands of application, behavioral, device, and network signals—such as keystrokes, touch gestures, and device handling—to detect fraud and distinguish legitimate users from fraudsters in real time. BioCatch protects 1.8 billion devices and 760 million users around the world, serving more than 350 banking clients in 21 different countries, including more than 100 of the largest banks globally.

“Account takeovers and scams cost the global economy over $1 trillion annually and AI is enabling these attacks at unprecedented scale,” said Andrew Torre, president of value-added services, Visa. “BioCatch will help our clients stop fraud before it reaches the point of payment. This acquisition is part of our strategy to help clients prevent cyber threats upstream, building trust into every transaction.”

AI, biometrics, authentication, identity, cyber defense and fraud prevention are increasingly interconnected, and Visa is investing to stay ahead of evolving threats, both to protect its own network and to help clients do the same. That includes the Visa Vulnerability Agentic Harness, an open-source AI security tool designed to help clients identify and remediate vulnerabilities at scale. The acquisition of BioCatch builds on Visa's existing suite of products, providing AI-powered solutions to detect and prevent fraud and both cyber and financial crime, from account opening to transactions. Over the last five years, Visa has invested more than $13 billion in technology and infrastructure to safeguard the integrity of the payments ecosystem and accelerate the decline in fraud rates.

“Real-time insights into customer intent continue to grow increasingly essential for institutions to establish trust within digital banking sessions,” said Gadi Mazor, CEO, BioCatch. “For more than a decade, we've demonstrated behavior’s unique ability to distinguish the criminal from the legitimate. In the last couple of years, we’ve shown how real-time intelligence-sharing networks between our customers can amplify the power of our behavioral intelligence further still. Together with Visa, we're even better positioned to advance our mission of making the world a safer place to transact and protect consumers from financial crime.”

The transaction is subject to customary closing conditions, including receipt of applicable regulatory approvals. The transaction is expected to close by the end of Visa’s fiscal second quarter of 2027 and will provide significant benefits to its financial institution clients, consumers and the wider payments industry.

About Visa

About BioCatch

BioCatch prevents fraud and financial crime by recognizing patterns in human behavior, continuously collecting more than 3,000 anonymized data points — keystroke and mouse activity, touch screen behavior, AI agent usage, jailbroken devices, and more — as people interact with their digital banking platforms. With these inputs, BioCatch's AI and machine-learning models continuously assess both user intent and any signs of coercion or manipulation throughout every millisecond of every digital banking session, allowing banks to distinguish the criminal from the legitimate in real time. Insights drawn from across the network of BioCatch institutions further amplify the power and accuracy of that real-time risk-scoring. More than 350 financial institutions deploy BioCatch solutions, analyzing 19 billion user sessions per month and protecting more than 760 million users on more than 1.8 billion devices around the world from fraud and financial crime.

Forward-Looking Statements

This release contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements generally are identified by words such as “will,” “is expected,” and other similar expressions. Examples of forward-looking statements include, but are not limited to, statements we make regarding the timing and likelihood of closing, BioCatch’s future success, the impact of the acquisition on Visa’s growth, BioCatch’s operational plans and the other benefits to Visa, financial institutions and consumers.

By their nature, forward-looking statements: (i) speak only as of the date they are made; (ii) are not statements of historical fact or guarantees of future performance; and (iii) are subject to risks, uncertainties, assumptions or changes in circumstances that are difficult to predict or quantify. Therefore, actual results could differ materially and adversely from Visa’s forward-looking statements due to a variety of factors, including the timing and outcome of the regulatory approval process, shifts in the regulatory and competitive landscape, cybersecurity incidents, the pace and success of integration, and various other factors, including those contained in our Annual Report on Form 10-K for the fiscal year ended September 30, 2025, and our other filings with the U.S. Securities and Exchange Commission.

You should not place undue reliance on such statements. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future developments or otherwise.

Visa Media Relations:
Stephanie Barnes, 628-278-9327, press@visa.com
Visa Investor Relations:
Jennifer Como, 650-432-7644, investorrelations@visa.com
BioCatch Media Relations:
Mac King, 206-200-8595, mac.king@biocatch.com

Source: Visa Inc.

Visa Fiscal Third Quarter 2026 Financial Results

Tue, 28 Jul 2026 16:05:00 -0400

SAN FRANCISCO--(BUSINESS WIRE)-- Visa (NYSE: V) today announced its fiscal third quarter 2026 financial results through an earnings release that will be furnished with the Securities and Exchange Commission on a Form 8-K and available on its Investor Relations website at investor.visa.com/financial-information/quarterly-earnings/default.aspx.

Visa will host a live audio webcast at 2:00 p.m. Pacific Time (5:00 p.m. Eastern Time) to discuss these financial results. The webcast and all related materials can also be accessed through Visa’s Investor Relations website at investor.visa.com.

About Visa

Investor Relations: Jennifer Como, 650-432-7644, InvestorRelations@visa.com

Media Relations: Fletcher Cook, 650-432-2990, Press@visa.com

Source: Visa Inc.

New Visa Data Reveals How the FIFA World Cup 2026™ Created Pop-Up Economies Across Canada, Mexico and the United States

Wed, 22 Jul 2026 07:00:00 -0400

New Visa data reveals the FIFA World Cup 26™ drove a nearly 20% surge in cross-border transactions across host cities in Canada, Mexico and the United States.

SAN FRANCISCO--(BUSINESS WIRE)-- After the final whistle blew on the FIFA World Cup 2026™, millions of fans returned home with unforgettable memories and a trail of economic activity that stretched across countries. Every tap to pay left a lasting impact, as spending throughout the tournament delivered a meaningful boost to merchants and local economies across host cities in Canada, Mexico and the United States.

According to new data from Visa, the tournament drove significant growth in cross-border spending, international travel, and digital commerce across host cities. The findings show how a major global event creates “pop-up economies,” defined by Visa as temporary, highly concentrated periods of commercial activity that emerge around major cultural, entertainment and sporting events.

The data reveals that fans traveled from around the world to follow their teams, generating a surge in Visa cardholder spending across restaurants, transportation, entertainment, retail, lodging, and other sectors. From iconic host cities to emerging fan destinations, the tournament created a broad and lasting economic impact that extended well beyond stadium walls.

A Tournament of Pop-Up Economies

Visa data illustrates the scale, reach and pace of economic activity generated throughout the tournament^[1]:

Cross-border Visa transactions in FIFA World Cup 2026™ host cities increased nearly 20% year-over-year during the tournament period.
Fans from Colombia, Puerto Rico, the United Kingdom, Argentina, and Brazil generated the highest levels of cross-border spend across host cities.
Santa Clara/San Jose, Boston, and Miami recorded the largest increases in in-person spending from international and domestic cardholders.
Consumers spent most heavily on transportation and entertainment, underscoring the broad economic benefit generated by tournament tourism.
Tap to pay transactions rose nearly 12%, reflecting fans’ preference for fast, secure and seamless payment experiences while traveling.
Ecuador v Curaçao and Colombia v Ghana, both in Kansas City, and Croatia v Ghana in Philadelphia were examples of matches that generated the highest year-over-year uplift creating significant spending spikes before, during and after kickoff.

“This was one of the most impactful FIFA World Cup™ tournaments we’ve seen to date both on and off the pitch,” said Frank Cooper III, Chief Marketing Officer of Visa. “FIFA World Cup 2026™ demonstrated how global events can create far-reaching economic value for businesses, cities and communities. For a few precious days, entire cities came alive with new visitors, new spending and new opportunities for local businesses. Through Visa’s network, we could watch those economies emerge, move from city to city and connect millions of fans with the merchants and communities hosting the world’s biggest sporting event.”

Pop-Up Economies Reached Far Beyond the Stadium

While matches took place inside stadiums, the economic impact spread throughout local communities. Restaurants, bars, retail districts, hotels, transit systems and entertainment venues all experienced increased levels of activity as fans gathered for matches and explored host cities. Several cities achieved standout performance in specific categories^[1]:

Boston led growth in year-over-year dining transactions as fans celebrated their nations in local bars and restaurants.
Guadalajara recorded the highest transportation spending growth as fans from around the world traveled to the stadium.
Atlanta saw strong entertainment activity tied to fan celebrations and cultural events, while New York City experienced a surge in retail spending.

These trends demonstrate how a pop-up economy distributes opportunity across an entire host market. The benefits reach businesses directly tied to the tournament and merchants serving everyday visitor needs, from neighborhood restaurants and independent retailers to hotels, transit providers and global brands.

The Tournament Moments That Moved Markets

Some of the tournament’s most memorable moments didn’t just capture attention. They sparked waves of economic activity around the world. Norway’s surprise run to the quarterfinals generated significant increases in consumer spending and transaction activity both in the country and around the world as fans rallied behind the country. In Norway, Visa transaction volumes nearly doubled during matches. Across Norway’s tournament run, increased transaction activity was recorded across a broader set of countries with each successive match, with spending eventually rising in more than 60 countries worldwide when Norway played, demonstrating how a pop-up economy can be fueled by fan passion and engagement.^[2]

Moments like this show how fan attention can translate into immediate shifts in economic activity. A major matchup, an unexpected result or a deep tournament run can quickly change travel patterns, increase demand and activate a new pop-up economy in the next destination.

From tourism and local business growth to digital payment adoption, the tournament demonstrated how shared moments of passion can drive commerce at an unprecedented scale. As fans return home, Visa’s data illustrates a lasting legacy, capturing the FIFA World Cup 2026™ as more than a single global event. It was a series of interconnected pop-up economies, each created by the movement, passion and spending of fans. Together, they generated economic opportunity across host communities and demonstrated the role seamless digital payments play in helping businesses serve global demand at speed and scale.

About Visa
Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, sellers, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com.

^[1] Source: Visa cardholder transactions over VisaNet. This data includes all Visa card-present volume in the U.S. and Canada as well as Visa card-present cross-border volume in Mexico compared against the same period in 2025. Date range for U.S. and Canada is between 6/11-7/19 while date range for Mexico is from 6/11-7/5.
^[2] The analysis in the report was based on aggregated domestic spending data on the number of transactions at entertainment providers, retail goods merchants, specialty food and grocers, quick-service restaurants, full-service restaurants, bars and cafes. The lift is calculated by taking the volume of Visa transactions that occurred during a 12-hour period before and after a match started and comparing it against a comparable typical day of the week and time of day for each country included in the analysis in late May and early June before the FIFA World Cup™ started.

Comms Contact
Conor Febos
press@visa.com

Source: Visa Inc.

Visa Introduces Platform for Stablecoin Minting, Movement and Management

Thu, 16 Jul 2026 10:30:00 -0400

The Visa Stablecoin Platform gives financial institutions, fintechs and other payment providers a single environment to come onchain and run stablecoin operations with Visa.

SAN FRANCISCO--(BUSINESS WIRE)-- Today, Visa (NYSE: V) announced the Visa Stablecoin Platform (VSP), a new enterprise platform designed to help financial institutions, fintechs, and crypto natives access stablecoin capabilities through a single Visa-managed environment.

Building on Visa’s broader crypto strategy, VSP gives FIs, fintechs and other payment providers a simple way to access, store, and redeem stablecoins, beginning with Open USD (OUSD), a new stablecoin recently introduced by Open Standard. This includes onchain wallet infrastructure through a newly introduced Wallet-as-a-Service offering and connectivity for minting and burning Open USD.

“Stablecoins are opening up a new layer of programmable money, but for most institutions the hard part isn’t the concept, it’s the operational reality,” said Jack Forestell, Chief Product and Strategy Officer, Visa. “With the Visa Stablecoin Platform, we’re giving our clients a single place to mint, move and manage stablecoin operations with the controls, security and network reach they already expect from Visa. It’s how we help them turn interest in stablecoins into real products and real payment flows.”

Visa Stablecoin Platform provides direct access to a range of stablecoin capabilities and flows alongside Visa’s network, risk and fraud capabilities, so institutions can move from exploration to implementation with greater confidence. This includes:

Access to Open USD: VSP integrates seamlessly into the Open Standard, providing institutions with direct access to Open USD alongside Visa’s network services. This gives clients a way to easily mint, burn, manage and transfer Open USD, bringing fiat onchain and managing flows in an environment they already trust.
Onchain wallet infrastructure: VSP packages the wallet infrastructure, controls and workflows needed to make stablecoins usable inside real-world treasury, settlement and product stacks for a range of institutional use cases.
Integration into Visa’s network: VSP is designed to enable connectivity of stablecoins into Visa’s network and tools, allowing users to embed stablecoin capabilities into existing payment flows, treasury operations and settlement processes. For existing Visa clients using Visa’s settlement, treasury and currency solutions, VSP provides direct interoperability to seamlessly integrate stablecoins into the workflows and systems they rely on today.
Built for trust on day one: VSP allows institutions to interact with stablecoin flows with the same security and trust that Visa is known for. Users will have access to features like dual-control approval for workflows, where one user initiates a sensitive action and another authorized user must approve it, comprehensive audit logging, and Wallet-as-a-Service features of secure passkeys and allow lists to control transfers, to help provide the level of security and control they require to operate.

VSP is interoperable with Visa's existing stablecoin offerings, including stablecoin settlement, stablecoin-linked cards, and stablecoin money movement. Together, these capabilities provide a full stack of solutions that help FIs and fintechs come onchain and enable crypto platforms to access Visa's global network.

How to get Started

Onboard and operate: Institutions can onboard into a Visa-managed wallet stack or connect existing wallets, creating a single home to manage stablecoin mint, burn, and transfer activity.
Connect bank accounts and controls: Clients can link bank accounts and configure approvals, users and policies to govern who can initiate and approve stablecoin movements.
Mint, move and manage stablecoin operations: From the start, VSP supports minting, redeeming, holding and transferring stablecoins, beginning with Open USD, as part of treasury, settlement and liquidity workflows.

VSP, including Wallet-as-a-Service, is initially available for beta testing with select clients, providing an early opportunity to explore how stablecoins fit into their strategies. As clients test and refine use cases, Visa will use those learnings to inform how and where the platform scales to broader market availability.

About Visa

Media Contacts
press@visa.com
Jackie Dresch
Conor Febos

Source: Visa Inc.

Visa Introduces AI Financial Assistant, Helping Banks Guide Customers from Insight to Action

Tue, 14 Jul 2026 09:00:00 -0400

AI Financial Assistant brings conversational financial guidance into the banking apps consumers already trust for spending and saving.
The Visa Value‑Added Service applies benchmarking insights informed by one of the world’s largest payment networks to deliver personalized recommendations.
Aligned with Visa’s AI and data governance standards, the feature is designed to operate within secure banking environments to meet the needs of banks and their consumers.

SAN FRANCISCO--(BUSINESS WIRE)-- Visa (NYSE: V), a global leader in digital payments, today announced AI Financial Assistant, a new value‑added service designed to help financial institutions evolve their apps for an AI‑driven era. The feature helps banks bring AI-powered financial insights to cardholders under their own brand, look and feel with no custom development required.

More than 66% of surveyed Americans who have used generative AI are turning to AI for financial advice,¹ yet consumers view banks as the most trusted institutions to safeguard personal data.² In fact, 85% say they are willing to share even more data with their bank if there was a clear AI value proposition.³ AI Financial Assistant allows banks to extend that trust into natural, conversational experiences within secure banking environments.

“Consumers are already turning to AI for financial advice—but banks have the full financial picture, can act on it, and are among the most trusted institutions consumers rely on,” said Michele Herron, Senior Vice President and Head of North America Value-Added Services at Visa. “AI Financial Assistant brings those strengths together, combining personalized insights based on a consumer’s own data and pairing it with the ability to act, all right within their bank's app. By simply turning on this service, banks can strengthen relationships with their customers and transform from a passive ledger to a generative AI–enabled financial hub.”

Turning insights into action, inside the mobile banking app

As part of its initial rollout, AI Financial Assistant enables ways for cardholders to:

Stay on top of spending, automatically: Proactive monthly insights surface meaningful changes without setup or manual effort.
Ask and understand instantly: Responses to natural‑language questions are grounded in a cardholder’s own financial activity.
Act in the moment: Lock a card or set alerts directly within the conversation. Future planned enhancements include the ability to connect spending insights and subscription management through Enhanced Subscription Manager.

A modern, unified digital banking experience

AI Financial Assistant is the latest feature of Visa Digital Issuer Solutions, delivering a single chat-based entry point inside the banking app. Financial institutions can connect their FAQs and documents via deep links to surface relevant banking product information, providing cardholders with answers to questions like “Are there any car loan benefits for existing customers?” or “Do you have high-yield savings accounts to help me save for a car?”

While financial institutions can deploy individual capabilities on their own through Visa’s Digital Enablement Software Development Kit (SDK), AI Financial Assistant acts as a central layer that connects existing and new features within the SDK as they come online.

Operating under Visa’s AI and data governance standards, AI Financial Assistant is informed by Visa’s global network of more than 300 billion annual transactions. It combines cardholder behavior, real-time data, and the financial institution’s own data to deliver highly personalized guidance with the security, compliance, and fraud protections banks require.

AI Financial Assistant will be available to U.S. financial institutions for pilot in August 2026, with a planned global rollout to follow.

To learn more, contact your Visa Account Executive and visit Visa Digital Issuer Solutions.

Frequently Asked Questions (FAQ)

What is AI Financial Assistant?

Visa AI Financial Assistant is a value‑added service. It enables financial institutions to offer a conversational, in‑app experience for understanding spending, receiving personalized insights, and taking action, all inside their existing banking apps.

Who is AI Financial Assistant designed for?

AI Financial Assistant is designed for financial institutions looking to increase digital engagement by helping cardholders better understand their finances.

How do consumers benefit from AI Financial Assistant?

Within their issuer’s app, consumers can:

Receive proactive spending summaries
Ask natural‑language questions about their finances
Take guided actions, such as reviewing subscriptions or activating relevant offers

How does AI Financial Assistant fit into Digital Issuer Solutions?

AI Financial Assistant is part of Visa Digital Issuer Solutions, a platform of value‑added services designed to help financial institutions deliver modern, consumer‑focused digital experiences that evolve with customer expectations. By integrating with Visa’s Digital Enablement Software Development Kit (SDK), issuers can access a suite of capabilities through a single integration point including Enhanced Subscription Manager, In-App Provisioning, Digital Card Display and more.

Can issuers customize the experience?

Yes. If a bank chooses to white‑label AI Financial Assistant, cardholders experience the feature as part of their digital banking app. Banks can also configure enrollment, notifications, and supported actions to align with their products, services, and digital strategies.

What AI technology is behind AI Financial Assistant?

Visa’s AI Financial Assistant is powered by Visa’s Data & AI Platform (DAP), which provides secure access to multiple leading AI models. We evaluate models on an ongoing basis to ensure they meet our standards for security, accuracy, compliance, and performance.

About Visa

¹ Credit Karma, “The Rise of Fin-AI: Why Americans Are Trusting Generative AI With Their Wallets.” September 2. 2025.
² 2025 Oliver Wyman Consumer Survey on AI and “Known Unknowns” report, “Is trust the banks’ hidden advantage?” January 2026.
³ 2025 Oliver Wyman Consumer Survey on AI and “Known Unknowns” report, “Is trust the banks’ hidden advantage?” January 2026.

Media Contacts
Victoria Khamsombath
press@visa.com

Source: Visa Inc.

Visa Research: The Great Wealth Transfer Is Already Reshaping How Americans Spend

Wed, 08 Jul 2026 09:00:00 -0400

Visa Business and Economic Insights (VBEI) estimates $36 trillion will transfer to younger generations over the next 20 years, with much of the impact already visible in housing, travel and major purchases

After accounting for liabilities, removing the top 1 percent of households and subtracting retirement spending, taxes and fees, approximately $36 trillion of boomers’ $93 trillion in assets will transfer to heirs over the next 20 years
Nearly 75 percent of inheritance recipients already have a higher net worth, meaning most transferred wealth is likely to be saved or invested rather than spent
The $8 trillion expected to be spent creates a targeted lift concentrated mostly in autos, housing, travel and retail
The transfer is underway: one in four millennial homeowners received parental down payment assistance, and skip-generation travel is rising as boomers increasingly choose to share their wealth earlier

SAN FRANCISCO--(BUSINESS WIRE)-- New research from Visa Business and Economic Insights (VBEI) finds that the great wealth transfer is already influencing major financial decisions, from home purchases to travel and long-term saving. The research estimates that approximately $36 trillion will transfer from baby boomers to Gen X and millennial households over the next 20 years.

The findings also show that most of this wealth will flow to households that are already financially secure, making the spending impact more targeted than transformational.

“For businesses in big-ticket sectors like housing and travel, this is not a future trend to watch,” said Wayne Best, chief economist at Visa. “It is already influencing consumer decisions—and shaping where growth will be distributed in the years ahead.”

The transfer is large, but more concentrated than it appears

Baby boomers hold at least $93 trillion in assets, more than three times U.S. GDP. However, VBEI finds that the amount that reaches heirs is reduced significantly once you factor in debt, retirement spending, taxes, and the wealth held at the very top. The result: approximately $36 trillion transferring to Gen X and millennial households over the next 20 years, equivalent to roughly $515,000 per inheriting household.

Most transferred wealth will be saved or invested

Nearly 75 percent of those receiving an inheritance already have a higher net worth than the median household.¹ As a result, $28 trillion of the $36 trillion is likely to be saved or invested. This dynamic represents a significant opportunity for banks, wealth managers, and fintech firms competing for assets from newly inheriting households over the next two decades.

The spending lift is real but targeted to specific categories

The impact will likely show up most in the areas where consumers are already making major financial decisions.

Spending on autos is expected to see a 6.4 percent average annual lift over the next 20 years.²

Overall, the $8 trillion expected to flow into consumer spending will lift annual real spending growth by approximately 0.1 percentage point per year through 2046, a modest boost rather than a major shift in the economy.³

Families are choosing to share wealth earlier

More families are transferring wealth earlier while they can see its impact. One in four millennial homeowners received parental down payment assistance, and 26 percent reported they would not have been able to purchase their current home without it. More than half of individuals expecting to receive an inheritance cite it as critical to their ability to purchase a home, a figure that rises to 69 percent among millennials.

In travel, 28 percent of grandparents have already taken a skip-generation trip with their grandchildren, without the children’s parents, and 35 percent plan to do so within the next three years.

66 percent of boomers say they want to enjoy their wealth or have heirs enjoy it while they are alive, compared to 34 percent who plan to preserve it for after death.⁴

What this means for consumers and businesses

For consumers, family financial support may help younger households buy homes, travel and reach major milestones sooner

For businesses, the opportunity will be focused in sectors where inherited wealth is already driving major purchases, especially housing, autos, travel, retail and financial services

For financial institutions, inherited wealth creates an opportunity to support households as they save, invest or purchase property

The full report is available at https://usa.visa.com/partner-with-us/visa-consulting-analytics/economic-insights/great-wealth-transfer-reality-check.html

Methodology

VBEI’s analysis is based on internal economic modeling, data from the Federal Reserve Board, the U.S. Department of the Treasury and the U.S. Department of Labor, as well as third-party consumer survey research.

FAQ

How large is the great wealth transfer?
Visa Business and Economic Insights estimates that about $36 trillion will transfer from baby boomers to Gen X and millennial households over the next 20 years, after accounting for debt, retirement spending, taxes and other factors.

How much of that wealth will actually be spent?
Only a portion—about $8 trillion—is expected to translate into consumer spending, as most recipients are already financially secure and more likely to save or invest what they receive.⁵

Where will the spending impact be most visible?
The impact is expected to be concentrated in housing, autos, travel and retail, where consumers are already making major financial decisions.

Is this a future trend, or is it happening now?
The transfer is already underway, showing up in real-time decisions like down payment assistance for homebuyers and increased multigenerational travel, as more families choose to share wealth earlier.

About Visa Business and Economic Insights (VBEI)

Visa Business and Economic Insights (VBEI) provides data-driven analysis of global economic trends, consumer spending patterns and the evolution of digital commerce, drawing on proprietary VisaNet transaction data, economic modeling and third-party research. The team publishes regular research across macroeconomics, consumer behavior and payments innovation. To subscribe: https://globalclient.visa.com/visaeconomicnews-subscribe

About Visa

Forward-Looking Statement

This release contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our economic outlook. Forward-looking statements are generally identified by words such as “believes,” “estimates,” “expects,” “intends,” “may,” “projects,” “could,” “should,” “will,” “continue” and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise.

Disclaimer

The views, opinions, and/or estimates, as the case may be (“views”), expressed herein are those of the Visa Business and Economic Insights team and do not necessarily reflect those of Visa executive management or other Visa employees and affiliates. This presentation and content, including estimated economic forecasts, statistics, and indexes are intended for informational purposes only and should not be relied upon for operational, marketing, legal, technical, tax, financial or other advice and do not in any way reflect actual or forecasted Visa operational or financial performance. Visa neither makes any warranty or representation as to the completeness or accuracy of the views contained herein, nor assumes any liability or responsibility that may result from reliance on such views. These views are often based on current market conditions and are subject to change without notice.

¹ Sources: Visa Business and Economic Insights and Federal Reserve Board

² Sources: Visa Business and Economic Insights and U.S. Department of Labor

³ Source: Visa Business and Economic Insights

⁴Sources: Visa Business and Economic Insights, LendingTree, Charles Schwab High Net Worth Investor Survey (December 2024) and U.S. Family Travel Survey (2025)

⁵Source: Visa Business and Economic Insights

Media Contact
Raelle Alfaro | press@visa.com

Source: Visa Inc.

Visa to Announce Fiscal Third Quarter 2026 Financial Results on July 28, 2026

Tue, 07 Jul 2026 16:05:00 -0400

SAN FRANCISCO--(BUSINESS WIRE)-- Visa (NYSE: V) will report its fiscal third quarter 2026 financial results on Tuesday, July 28, 2026. After market close, Visa will furnish the results with the Securities and Exchange Commission and post them, along with accompanying financial information, on the Visa Investor Relations website. Visa will issue a news wire alert when the earnings materials are publicly available, including a link to those documents.

Visa’s executive management team will then host a live audio webcast beginning at 2:00 p.m. Pacific Time (5:00 p.m. Eastern Time) to discuss financial results and business highlights.

All interested parties are invited to listen to the live webcast at investor.visa.com. A replay of the webcast will be available on the Visa Investor Relations website for 30 days.

Visa is currently in its customary “quiet period” during which time company executives will not be interacting with the investment community. This quiet period will be in place until fiscal third quarter 2026 earnings are publicly available on July 28, 2026.

About Visa

Investor Relations: Jennifer Como, 650-432-7644, InvestorRelations@visa.com

Media Relations: Fletcher Cook, 650-432-2990, Press@visa.com

Source: Visa Inc.