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CEO Ryan McInerney affirmed that AI is a central part of the company’s strategy, appointing a Chief Data Officer in mid-2024 to lead enterprise data and AI strategy. As of November 2024, Visa had deployed more than 500 generative AI applications company-wide. It has continued to roll out advanced fraud prevention tools, including deep learning models (such as a Visa Deep Authorization RNN risk scorer) and real-time account-to-account payment protection, to better detect and block fraud across networks. 

By April 2025, Visa unveiled Visa Intelligent Commerce™, a platform that enables consumers to delegate shopping tasks to AI agents – in partnership with Microsoft, OpenAI, Anthropic, and others – while ensuring payments remain secure and trusted. Visa is also reskilling its workforce: more than 10,000 employees completed AI-focused training in the past year. The company reinforced its commitment to ethical AI by establishing a dedicated AI governance function and codifying AI Principles to guide development and deployment.