We’re here to help clients and their businesses improve performance and profitability

With deep payments expertise and proprietary analytics models, our consultants, data scientists and economists are committed to delivering insights that drive better business outcomes across customer journeys.

Our practices

Explore our areas of expertise and learn how our experts can prepare your business for the road ahead.


We help clients formulate payments strategies to drive growth and profitability, compete in the digital economy and address key topics such as open banking, real-time payments and emerging third-party platforms. For example:

  • Artificial intelligence
  • Market expansion
  • New product development

Portfolio optimization

We help clients identify the right customers and best portfolio actions that drive acquisition, engagement and retention. For example:

  • Lifecycle management
  • Loyalty program optimization
  • Usage growth


We support clients to develop and execute digital strategies that address issues such as top of wallet, card on file, activation and ongoing engagement. For example:

  • Digital banking experience
  • Digital bank strategy
  • Digital card acquisition optimization
  • Product and experience design, UX/UI, customer research

Artificial intelligence

We help clients define their artificial intelligence (AI) strategy, including leveraging generative AI. For example:

  • Discovery and planning
  • Identify use-cases across acquisition, engagement, and authorization and fraud optimization
  • Utilize 150+ proprietary AI models

Implementation support

With VCA Managed Services, we support the execution and implementation of recommendations and wider value-added services product enablement by mobilizing teams on-site and partnering with clients to help scale competitive advantage and operate to succeed in the digital age.


We help clients better manage risk and fraud while optimizing the customer experience. For example:

  • Fraud management
  • Authorization performance review
  • Cybersecurity assessment and enterprise fraud strategy

Our process

Explore our approach to advice and analytics and see how our payments experts can drive your business forward.

Step 1: Diagnose

Use expertise, data and benchmarking to uncover opportunities for growth and enhanced profitability

Step 2: Align

Validate the findings to align on approach to drive business forward

Step 3: Roadmap

Create a comprehensive roadmap to get you to where you want to be in the future

Step 4: Implement

Turn process into action with VCA Managed Services

Our impact

Benefit from our in-house expertise, developed over decades across thousands of projects with financial institutions, merchants, fintechs and other payments players.


+ 5 pts

In approval rates for credit card applications


+ 21 %

Transaction growth


+ 27 pts

In payments volume increase


+ 1.4 B

Potential payment volume uplift


4 x

Better targeting of merchants most likely to attrite


3 M+

Cards migrated in first 6 months at 85% activation

Our team

Collaborate with world-class experts dedicated to growing your business. Meet some of our leadership team below.

Explore and connect

Continue your journey by reading more about Visa services and connecting with VCA.

VCA in the news

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Contact Visa Consulting and Analytics

Reach out to learn how our technology and expertise as a global payments leader can help you arrive at better business outcomes.