# 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.