commerce, where intelligent systems begin to act on behalf of consumers and businesses.”
Visa’ s approach to this shift is grounded in experience. Its longstanding use of AI in high-stakes environments has shaped a focus on consistency and oversight rather than rapid experimentation.
“ Visa has a long history of applying machine learning and advanced analytics at scale, particularly in areas like fraud prevention and risk management,” she explains.“ These systems operate in real time, across billions of transactions, and are designed to balance speed, accuracy and security.
That experience has shaped a disciplined approach to AI – one that prioritises control, transparency and consistent performance.”
Rather than viewing agentic AI as a departure, Mandy frames it as part of a broader continuum in payments innovation – one where user confidence remains essential.
“ In payments, adoption has always depended on trust,” she continues.“ Previous shifts, from e-commerce to contactless, only reached scale once people felt confident that the technology was safe, reliable and working in their interest. The same principle applies here.”
26 June 2026