# Visa Consulting & Analytics (VCA) Insights ## Get inspired by our clients’ business success stories From issuers to fintechs, companies around the world are growing their business with the solutions and expertise from Visa Consulting & Analytics. 15/03/2024 ### Improving debit activation & engagement with data-driven strategies VCA helped a leading issuer achieve a 9% increase in activation of targeted inactive customers by analyzing the bank’s debit portfolio. 15/03/2024 ### Designing a loyalty program using data analytics VCA helped a client struggling with low customer engagement and dormancy reduce attrition by 25 percent. 15/03/2024 ### Optimizing authorization and fraud VCA helped a large bank struggling with authorization rates and fraud control practices identify an additional $3M in annual revenue. 15/03/2024 ### Increasing digital credit card sales VCA performed a detailed portfolio review and psychographic analysis to help a leading issuer increase acquisition of new credit card customers. ## Strategy insights From crypto strategies to acquiring trends – stay up to date on the latest issues that could impact your business. ### Generative AI in Payments Six considerations for financial institutions intending to integrate generative AI in their organization. - [Read generative AI recommendations](https://caribbean.visa.com/content/dam/VCOM/global/services/documents/vca-global-generative-ai.pdf) ### What’s influencing payments in 2025 What will it take for payments-industry leaders to get ahead – and stay ahead – in 2025? [Discover 10 recommendations on business strategy](https://corporate.visa.com/en/services/visa-consulting-analytics/insights/vca-10-influencers-in-payments-2025-overview.html) ### Five ways financial institutions can maximize returns on marketing spend How to send the right message, to the right audience, to prompt the right action. [Learn how to optimize marketing spends](https://caribbean.visa.com/content/dam/VCOM/corporate/services/documents/vca-5-ways-maximize-marketing-spend.pdf) > ### AI is not just reshaping industries worldwide – it’s revolutionizing them, and the payments sector is at the forefront of this transformation. > > > > — **Carl Rutstein**, Global Head of Advisory Services, Visa ## Portfolio optimization insights Understand how customers engage with your business at every step of the journey. 28/06/2023 ### Creating a future-ready card payment product Three key considerations for financial institutions when developing a lasting value proposition around payments cards. [Discover the considerations](https://caribbean.visa.com/content/dam/VCOM/global/services/documents/vca-global-creating-future-ready-card-product.pdf) 08/12/2022 ### Leading with debit Driven by changing consumer preferences, the use of debit products is continuing to rise. [Discover three imperatives to drive growth](https://caribbean.visa.com/content/dam/VCOM/global/services/documents/vca-rethinking-debit-cards-vf-acc.pdf) 08/12/2022 ### Optimizing your debit card business Follow these three steps to help maximize value from your portfolio. [Explore the insights](https://caribbean.visa.com/content/dam/VCOM/global/services/documents/vca-optimizing-your-debit-business-paper-vf.pdf) 08/12/2022 ### Transforming customer loyalty through the power of data Great relationships are founded on best-in-class customer insight. [Get more out of loyalty](https://caribbean.visa.com/content/dam/VCOM/global/services/documents/vca-transforming-customer-loyalty-through-the-power-of-data.pdf) ## Digital insights Navigate new opportunities and stay ahead of the curve with the latest research on the future of digital payments and technology. ### Embedded finance: What are the emerging opportunities in this new value chain Learn about emerging trends around embedded finance and the opportunities for financial institutions. [Learn embedded finance trends](https://caribbean.visa.com/content/dam/VCOM/global/services/documents/vca-embedded-finance-emerging-trends) ### Rethinking the digital customer experience Eight emerging trends to deliver an exceptional digital customer experience. [Discover digital customer experience trends](https://caribbean.visa.com/content/dam/VCOM/corporate/services/documents/vca-10-priorities-rethinking-digital-consumer-paper.pdf) ### Perfecting the art of being found online Four recommendations for financial institutions looking to boost their digital strategies. [Read the recommendations](https://caribbean.visa.com/content/dam/VCOM/corporate/services/documents/vca-10-priorities-digital-acquistions-art-of-being-found-online.pdf) ### Succeeding with super apps Super apps are rapidly gaining ground. Learn about the growth drivers from around the world. [Read the checklist of recommendations for financial institutions](https://caribbean.visa.com/content/dam/VCOM/regional/na/us/services/documents/vca-super-apps-paper-vf.pdf) ## Risk management insights Explore our in-depth analysis when it comes to evaluating uncertainties and helping you minimize risk to your business. 03/02/2023 ### Risk management in the acquiring business Merchant landscape changes bring acquirer risk management strategies to the forefront. [Read the strategies](https://caribbean.visa.com/content/dam/VCOM/global/services/documents/vca-future-acquiring-risk-management-paper.pdf) 26/04/2023 ### How to guard against fraudulent use of data How financial institutions can prepare and improve their resilience against fraud. [Read about best practices](https://caribbean.visa.com/content/dam/VCOM/global/services/documents/vca-how-to-guard-against-fraudulent-use-of-data.pdf) ### Instant digital issuance (IDI): best practices on fraud management Discover IDI in detail, the growth drivers and benefits of IDI, and the best steps to mitigate related fraud. [Explore the next steps](https://caribbean.visa.com/content/dam/VCOM/global/services/documents/instant-digital-issuance-best-practices-on-fraud-management.pdf) ### Countering cyber threats How businesses anticipate and address cybercriminal threats. [How you should react](https://caribbean.visa.com/content/dam/VCOM/global/services/documents/vca-cybersecurity-paper-vf.pdf) ## Regional insights Narrow your efforts with localized data that can help boost business in key markets. ### Carnival in Brazil 2023 After a few years of cancellations and modifications caused y the pandemic, Carnaval in Brazil was back for 2023. We analyzed Visa-credentialed spending trends during the event. [Get the insights](https://caribbean.visa.com/content/dam/VCOM/regional/lac/SPA/Default/Servicios/VCA/VCA-LAC-Carnaval-2023-v2.pdf) ### Readiness Index Costa Rica, Guatemala and Dominican Republic were analyzed with the Readiness Index, a study combining VisaNet data and publicly available information to categorize territories according to their levels of maturity in accepting electronic payments. [Additional details](https://caribbean.visa.com/content/dam/VCOM/regional/lac/SPA/Default/Servicios/VCA/Readiness%20Index%20CARCAM%20Public.pdf) ### Holiday Season Consumer Spending Trends End-of-year purchases are an excellent thermometer for understanding individual payment and consumption trends. [See what's changed in the past year](https://caribbean.visa.com/content/dam/VCOM/regional/lac/SPA/Default/Servicios/VCA/Holiday%20Spending%20Trends%20LAC%202022.pdf) ### Black Friday & Cyber Monday Both dates continue to gain more and more followers and popularity among consumers in Latin America and the Caribbean. [Learn more](https://caribbean.visa.com/content/dam/VCOM/regional/lac/SPA/Default/Servicios/VCA/VCA%20LAC%20November%20Spending%202022.pdf) ### FIFA Women's World Cup 2023™ Has gained more interest and support from Latin America and Caribbean consumers and, this year, fans did more than simply watch the games from home. [Check out all the insights here](https://caribbean.visa.com/content/dam/VCOM/regional/lac/SPA/Default/Servicios/VCA/VCALAC-Public-FIFA-Womens-2023.pdf) ### Payments and gaming in Latin America & The Caribbean How does the region use technology to make payments in the gaming world? [Get the insights](https://caribbean.visa.com/content/dam/VCOM/regional/lac/SPA/Default/Servicios/VCA/VCA-PublicInfographic-Gaming-2023.pdf) ### eCommerce evolution eCommerce transactions in Latin America & The Caribbean have more than doubled in the last four years. [Explore the details](https://caribbean.visa.com/content/dam/VCOM/regional/lac/SPA/Default/Servicios/VCA/VCA-LAC-eCommerce-2023.pdf) ### Picking up the pace in real-time payments Real-time payments are changing the way money moves among consumers and businesses. [Get help achieving success](https://caribbean.visa.com/content/dam/VCOM/global/services/documents/vca-rtp-white-paper-vf.pdf) ### Segment U.S. Quick Service Restaurant (QSR) Merchants Visa Consulting & Analytics compared the performance of merchants with enhanced programs to those with less advanced or no loyalty program. [Read the study](https://caribbean.visa.com/content/dam/VCOM/global/services/documents/visa-qsr-loyalty-insights-infographic.pdf)