# 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. - 02/26/2024 ### **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. - 02/26/2024 ### **Designing a loyalty program using data analytics** VCA helped a client struggling with low customer engagement and dormancy reduce attrition by 25 percent. - 02/26/2024 ### 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. - 02/26/2024 ### 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. - 02/26/2024 ### **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. - 02/26/2024 ### **Designing a loyalty program using data analytics** VCA helped a client struggling with low customer engagement and dormancy reduce attrition by 25 percent. - 02/26/2024 ### 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. - 02/26/2024 ### 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. ## 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. - 09/29/2025 ### Transforming payments with generative AI technologies GenAI is shaking up payments. Learn what the future may hold for this revolutionary technology. [Discover how AI is changing the payments game](https://global-corporate.review.visa.com/services/visa-consulting-analytics/insights/vca-transforming-payments-gen-ai-tech.html) - 08/26/2024 ### Payments and banking for SMBs Transforming how businesses pay and get paid. [Discover the opportunities for SMBs](https://global-corporate.review.visa.com/content/dam/VCOM/corporate/services/documents/vca-10-priorities-payments-and-banking-for-smbs.pdf) - 07/23/2024 ### 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://global-corporate.review.visa.com/content/dam/VCOM/corporate/services/documents/vca-5-ways-maximize-marketing-spend.pdf) - 11/08/2023 ### Generative AI in payments Six considerations for financial institutions intending to integrate generative AI in their organization. [Read generative AI recommendations](https://global-corporate.review.visa.com/content/dam/VCOM/global/services/documents/vca-global-generative-ai.pdf) - 07/23/2026 ### 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. [Learn about adaptive credit](/content/en-us/thought-leadership/business-strategy/vca-adaptive-credit-data-and-ai/index.html) - 02/02/2026 ### 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. [Delve into stablecoins strategy](https://global-corporate.review.visa.com/services/visa-consulting-analytics/insights/vca-stablecoin-strategy.html) - 05/27/2026 ### 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. [Delve into agentic commerce](https://global-corporate.review.visa.com/services/visa-consulting-analytics/insights/vca-agentic-commerce-autonomous-payments.html) - 12/22/2025 ### Accelerating global stablecoins innovation Guiding banks, fintechs, merchants, and businesses in navigating the future of stablecoins to unlock growth opportunities. [Learn more about stablecoins strategy](https://global-corporate.review.visa.com/content/dam/VCOM/corporate/services/documents/vca-stablecoin-infographic-v9-accessible.pdf) - 11/20/2025 ### 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. [Learn about the untapped potential of SMBs](https://global-corporate.review.visa.com/services/visa-consulting-analytics/insights/vca-reinventing-smb-banking.html) - 09/29/2025 ### Transforming payments with generative AI technologies GenAI is shaking up payments. Learn what the future may hold for this revolutionary technology. - 08/26/2024 ### Payments and banking for SMBs Transforming how businesses pay and get paid. - 07/23/2024 ### 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. - 11/08/2023 ### Generative AI in payments Six considerations for financial institutions intending to integrate generative AI in their organization. [Read generative AI recommendations](https://global-corporate.review.visa.com/content/dam/VCOM/global/services/documents/vca-global-generative-ai.pdf) - 07/23/2026 ### 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. [Learn about adaptive credit](/content/en-us/thought-leadership/business-strategy/vca-adaptive-credit-data-and-ai/index.html) - 02/02/2026 ### Stablecoin Strategy: How financial institutions can create better value propositions for customers [Delve into stablecoins strategy](https://global-corporate.review.visa.com/services/visa-consulting-analytics/insights/vca-stablecoin-strategy.html) - 05/27/2026 ### 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. - 12/22/2025 ### Accelerating global stablecoins innovation Guiding banks, fintechs, merchants, and businesses in navigating the future of stablecoins to unlock growth opportunities. ## Portfolio optimization insights Understand how customers engage with your business at every step of the journey. - 06/27/2023 ### 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://global-corporate.review.visa.com/content/dam/VCOM/global/services/documents/vca-global-creating-future-ready-card-product.pdf) - 10/06/2022 ### Leading with debit Driven by changing consumer preferences, the use of debit products is continuing to rise. [Discover three imperatives to drive growth](https://global-corporate.review.visa.com/content/dam/VCOM/global/services/documents/vca-rethinking-debit-cards-vf-acc.pdf) - 10/06/2022 ### Optimizing your debit card business Follow these three steps to help maximize value from your portfolio. [Explore the insights](https://global-corporate.review.visa.com/content/dam/VCOM/global/services/documents/vca-optimizing-your-debit-business-paper-vf.pdf) - 10/06/2022 ### Transforming customer loyalty through the power of data Great relationships are founded on best-in-class customer insight. [Get more out of loyalty](https://global-corporate.review.visa.com/content/dam/VCOM/global/services/documents/vca-transforming-customer-loyalty-through-the-power-of-data.pdf) - 02/27/2026 ### Bridging execution gaps for banks Learn how modern technology stacks can help banks turn theory into practice. [Delve into bridging execution gaps for banks](https://global-corporate.review.visa.com/services/visa-consulting-analytics/insights/vca-bridging-execution-gaps-for-banks.html) - 09/26/2025 ### Maximize merchant success Learn how to help maximize merchant success through authorization and fraud prevention. [Learn how to help drive merchant growth](https://global-corporate.review.visa.com/services/visa-consulting-analytics/insights/vca-maximize-merchant-success.html) - 04/09/2025 ### Enhancing value for the affluent traveler Discover how banks can enhance customer experience by tailoring products and services to unique preferences. [Read more to discover tailored banking solutions for affluent travelers](https://global-corporate.review.visa.com/content/dam/VCOM/corporate/services/documents/vca-enhancing-value-for-affluent-traveler.pdf) - 10/25/2024 ### Strategic execution in payments A guide for financial institutions on implementation excellence. [Discover five key considerations](https://global-corporate.review.visa.com/content/dam/VCOM/corporate/services/documents/vca-10-priorities-execution-excellence.pdf) - 09/23/2024 ### Maximizing value with effective card portfolio management Best practices for retail banks to optimize card portfolios. [Learn best practices to optimize card portfolios](https://global-corporate.review.visa.com/content/dam/VCOM/corporate/services/documents/vca-10-priorities-portfolio-opimization.pdf) - 10/06/2022 ### Holding on to your best customers using behavioral banking Learn how banks can adopt a customer-centric strategy with behavioral banking. [Get the latest insights on behavioral banking](https://global-corporate.review.visa.com/content/dam/VCOM/corporate/services/documents/vca-using-behavioral-banking.pdf) - 06/27/2023 ### Creating a future-ready card payment product Three key considerations for financial institutions when developing a lasting value proposition around payments cards. - 10/06/2022 ### Leading with debit Driven by changing consumer preferences, the use of debit products is continuing to rise. - 10/06/2022 ### Optimizing your debit card business Follow these three steps to help maximize value from your portfolio. [Explore the insights](https://global-corporate.review.visa.com/content/dam/VCOM/global/services/documents/vca-optimizing-your-debit-business-paper-vf.pdf) - 10/06/2022 ### Transforming customer loyalty through the power of data Great relationships are founded on best-in-class customer insight. - 02/27/2026 ### Bridging execution gaps for banks Learn how modern technology stacks can help banks turn theory into practice. - 09/26/2025 ### Maximize merchant success Learn how to help maximize merchant success through authorization and fraud prevention. - 04/09/2025 ### Enhancing value for the affluent traveler Discover how banks can enhance customer experience by tailoring products and services to unique preferences. - 10/25/2024 ### Strategic execution in payments A guide for financial institutions on implementation excellence. - 09/23/2024 ### Maximizing value with effective card portfolio management Best practices for retail banks to optimize card portfolios. - 10/06/2022 ### Holding on to your best customers using behavioral banking Learn how banks can adopt a customer-centric strategy with behavioral banking. - 06/27/2023 ### Creating a future-ready card payment product Three key considerations for financial institutions when developing a lasting value proposition around payments cards. - 10/06/2022 ### Leading with debit Driven by changing consumer preferences, the use of debit products is continuing to rise. - 10/06/2022 ### Optimizing your debit card business Follow these three steps to help maximize value from your portfolio. [Explore the insights](https://global-corporate.review.visa.com/content/dam/VCOM/global/services/documents/vca-optimizing-your-debit-business-paper-vf.pdf) - 10/06/2022 ### Transforming customer loyalty through the power of data Great relationships are founded on best-in-class customer insight.