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Mastercard highlights AI as core to commerce modernization and has expanded practical AI deployments, from generative AI models that speed detection of compromised card numbers to its Mastercard Decision Intelligence®, which scores and acts on transaction risk in real time – improving fraud prevention and customer experience at network scale.  To strengthen its defensive capabilities, Mastercard acquired Recorded Future® in 2024 to enhance threat intelligence and AI analytics. Concurrently, the company is preparing a payments infrastructure for agentic commerce (Mastercard Agent Pay™), partnering with the ecosystem to enable secure AI-agent-driven purchases while emphasizing consumer control and governance.  

Internally, Mastercard invests in upskilling its workforce on AI, from broad-based AI literacy training for all employees to targeted programs for tech teams. The company has made responsible AI a cornerstone of its AI strategy since 2018, when the company established an AI Governance Council, which reviews potential AI use cases and projects. The company actively participates in broader industry and policy efforts on responsible AI.