Visa (V) investor relations material

Strategy and product delivery

• Since taking the VAS role in June last year, priority has been faster product development and delivery, with market archetypes guiding responses to client needs.

• Agentic tools speed prototyping; product and engineering teams have shifted to 2–3-person groups, with 60% adopting the tools and a target of 100%.

• More than 350 products, features and services launched this year, up 25% from last year.

• Services are expanding from Visa payments to other payments and broader areas including cyber, core banking and advisory.

• Differentiation rests on network resilience, security, client relationships and distribution through 14,000 financial institution partners.

Sales and client engagement

• Sales visibility has improved through CRM investment, account planning and coordinated account executives and specialist sellers; 450 VAS sellers and sales engineers support deals and implementation.

• Client success managers and Visa Consulting and Analytics teams support clients operationally and work alongside them on growth opportunities.

• 40 embedded client engagements completed in FY 2026, with plans to more than double them; consulting work can surface needs for additional VAS solutions.

• Issuing, acceptance and risk/security were discussed as each growing more than 20%, with similar growth expected in FY 2027.

Issuing and core banking

• Card benefits address varied customer segments; the Infinite series had more than 70 clients in 40 markets, including 15 in Latin America.

• Subscription-management functionality is available in mobile banking apps and covers more than 2 billion credentials.

• Pismo was designed to address processor complexity, legacy technology debt and slow product launches with cloud-native, API-based infrastructure; upgrades and features can be rolled out daily.

• Pismo operates in 28 markets, with expansion planned; wins include Westpac processing and Wells Fargo’s core-banking ledger.

• Core upgrades are expected to play out over the next five to 10 years, enabling financial institutions to modernize and outsource components more flexibly.