THE FINTECH INTERVIEW
V isa has embedded AI into its core infrastructure for more than three decades. Taking a measured approach to its evolution in payments, global digital payments leader prioritises security, reliability and continuity, ensuring agentinitiated transactions are built on trusted existing frameworks rather than entirely new systems.
For Mandy Lamb, Head of Value Added Services at Visa Europe, Visa’ s longstanding AI foundation is what enables the company to move confidently into the next phase of commerce – one defined by autonomy, intelligence and scale.
Mandy leads Visa’ s Value-Added Services business, which brings together capabilities across fraud prevention, data and analytics, acceptance and payment innovation to help Visa’ s clients manage risk and adapt as payments and commerce evolve.
“ Many people know Visa because of cards and payments, but that’ s only part of what we do,” she explains.“ At its core, Visa runs the technology that allows money to move securely and reliably around the world. On top of that foundation, we use technology to help financial institutions and businesses change how they operate and grow.”
Through its Value Added Services business, Visa is expanding beyond transactions into transformation. This includes fraud prevention, data analytics and acceptance solutions that help clients modernise their operations
“In payments, adoption has always depended on trust”
Mandy Lamb Head of Value Added Services Visa Europe
in line with increasingly digital and connected commerce ecosystems. Mandy adds:“ Our work is about supporting transformation – helping clients move from where they are today to where they need to be as commerce and banking become more digital, more connected and more automated. As new technologies like AI start to influence how decisions are made and how payments are triggered, Visa deploys tools and experience to help ensure those changes are safe, useful and workable at scale so that merchants can unlock new areas of growth.”
Visa and the agentic commerce push That transformation is now accelerating with the emergence of agentic AI – systems capable of making decisions and acting on behalf of users.“ As commerce and banking become increasingly digital and automated, technologies like AI are starting to move from supporting transactions to actively shaping them,” Mandy notes.“ We’ re now seeing the early signs of agentic
24 June 2026