Description:
In this episode, we unpack Visa’s strategic evolution from a card-centric network into a $40+ billion AI-enabled global payments platform. We explore how Visa transformed its core infrastructure into Visa as a Service (VaaS)—a modular, API-first architecture now delivering embedded solutions across payments, identity, fraud prevention, analytics, and open banking.
The conversation dives into how Visa moved from reactive AI—primarily used to support card transactions—to positioning artificial intelligence as the engine of its business. Today, AI drives real-time decisioning, predictive risk scoring, and hyper-personalized insights, turning Visa’s data and global reach into a platform of intelligent trust and secure digital commerce.
You’ll learn how Visa’s shift from a $21.8B card-transaction business in 2020 to a $40B+ AI-first platform by 2025 reflects the broader platformization of financial services—and what it means for fintechs, merchants, banks, and the future of embedded finance.
Keywords:
AI-Driven, Platformization, Visa as a Service, Embedded AI, Trust Infrastructure, Modular Payments, Predictive Risk
