Visa Consulting and Analytics (VCA) Insights

Explore our featured insights and case studies to learn how your business can grow, perform and execute.

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 and Analytics.

Improving debit activation and 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.

Designing a loyalty program using data analytics

VCA helped a client struggling with low customer engagement and dormancy reduce attrition by 25 percent.

Optimizing authorizations and fraud controls

VCA helped a large bank struggling with authorization rates and fraud control practices identify an additional $3M in annual revenue.

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.

Ten payment priorities shaping 2026

From stablecoin strategy to cybersecurity and agentic commerce — learn what it will take for payments-industry leaders to stay ahead of the strategic curve this year.

Strategy insights

From generative AI strategies to acquiring trends – stay up to date on the latest issues that could impact your business.

Transforming payments with generative AI technologies

GenAI is shaking up payments. Learn what the future may hold for this revolutionary technology.

Payments and banking for SMBs

Transforming how businesses pay and get paid.

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.

Generative AI in payments

Six considerations for financial institutions intending to integrate generative AI in their organization.

Adaptive credit: How data and AI can support balancing risk and growth

In a volatile (yet still constructive) credit environment, lenders are using new AI-powered data strategies to better assess risk and manage credit portfolios.

Stablecoin Strategy: How financial institutions can create better value propositions for customers

Meet the stablecoin, a stable type of cryptocurrency. It’s reshaping financial flows everywhere, from the routine consumer transaction to large-scale economic policy.

Agentic commerce: Designing for autonomous payments

An actionable, three-pronged strategy that can help capture value, reduce risk and keep pace with the future of autonomous agents.

Accelerating global stablecoins innovation

Guiding banks, fintechs, merchants, and businesses in navigating the future of stablecoins to unlock growth opportunities.

Reinventing SMB banking with AI, stablecoins and smarter underwriting

Open up new business models and revenue streams by combining traditional data, alternative data and behavioral data.

Portfolio optimization insights

Understand how customers engage with your business at every step of the journey.

Creating a future-ready card payment product

Three key considerations for financial institutions when developing a lasting value proposition around payments cards.

Leading with debit

Driven by changing consumer preferences, the use of debit products is continuing to rise.

Optimizing your debit card business

Follow these three steps to help maximize value from your portfolio.

Transforming customer loyalty through the power of data

Great relationships are founded on best-in-class customer insight.

Bridging execution gaps for banks

Learn how modern technology stacks can help banks turn theory into practice.

Maximize merchant success

Learn how to help maximize merchant success through authorization and fraud prevention.

Strategic execution in payments

A guide for financial institutions on implementation excellence.

Risk management insights

Explore our in-depth analysis when it comes to evaluating uncertainties and helping you minimize risk to your business.

Sourcing new data for richer credit-risk decisions

Managing credit portfolio performance is a constant balancing act between credit risk exposure and growth objectives.

Risk management in the acquiring business

Merchant landscape changes bring acquirer risk management strategies to the forefront.

How to guard against fraudulent use of data

How financial institutions can prepare and improve their resilience against fraud.

Countering cyber threats

How businesses anticipate and address cybercriminal threats.

Fraud prevention in payments

Balancing risk-management controls and consumer convenience.

Regional insights

Narrow your efforts with localized data that can help boost business in key markets.

Enhancing dispute-resolution processes

How financial institutions can reassess team roles and technology to streamline resolving transaction disputes.

Commercial card payments

A guide to upgrading commercial card capabilities and streamlining portfolio migration.

Digging into student loan deferrals – the impact on consumer credit risk

VCA evaluates the potential impact for credit card issuers, and provide guidance on how best to prepare.

How to build and deepen customer relationships in the digital-first age

A well-architected digital campaign strategy can more efficiently acquire, engage, and retain customers.

Positioning small-business card programs for disciplined growth

Card issuers have new opportunities to grow their small-business card programs sustainably with certain strategic considerations and data-driven adjustments to risk-management processes.

Advancing collections operations: Why a collections assessment is essential in 2026

Explore the evolving collections landscape, key performance challenges, and the role of a structured collections assessment in improving recovery outcomes, operational efficiency, and compliance.

Decoding customer attrition: How segmentation insights can drive retention strategy for merchants

Turning attrition risk into retention opportunity through data‑driven segmentation.

Loyalty today: Too many programs, too little engagement

Enabling issuers and merchants to build lasting loyalty through data-driven partnerships.