
Visa Consulting & Analytics (VCA) is the payments consulting arm of Visa.
We are a global team of several hundred payments consultants and data scientists across six continents.
Our consultants are experts in strategy, product, portfolio management, risk, digital and more with decades of experience in the payments industry.
Our data scientists are experts in statistics, advanced analytics and machine learning with exclusive access to insights from VisaNet, one of the largest payment networks in the world.
The combination of our deep payments consulting expertise and our breadth of data allows us to identify actionable insights and recommendations that drive better business decisions.
What we do
We offer consulting services for issuers, acquirers, merchants, fintechs and others across six practice areas that span the entire customer journey.

Strategy
We help clients formulate payment 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

Product
We deliver product value propositions for clients including new product development, refreshes and upgrades

Portfolio Management
We help clients identify the right customers and best portfolio actions that drive acquisition, engagement and retention

Risk
We help clients better manage risk and fraud while optimizing the customer experience

Digital
We support clients to develop and execute digital strategies addressing issues such as top of wallet, card on file, activation and ongoing engagement

Execution
We embed our consultants inside our clients' organizations to support the implementation of recommendations

Visa Consulting & Analytics looks across the credit lifecycle and considers the implications for today’s risk managers.

Acquisitions and Approvals: Seven imperatives for risk teams in the COVID-19 pandemic.

Understanding how COVID-19 has impacted consumer lifestyles, payment methods, and how behaviors may change after the pandemic.

Learn about the imperatives of engagement monitoring as the pandemic recedes.

Nine imperatives for issuers credit line assignment and management in the COVID-19 pandemic.

The implications for both risk and customer experience and key imperatives for authorization teams in the COVID-19 pandemic.

Spending online is one of the bright spots in recovery. VCA looks at the implications for digital payments, and the way card issuers can take action.

Spending online is one of the bright spots in recovery. VCA looks at the implications for digital payments, and the way merchants can take action.

Fraud management: Nine imperatives for fraud teams in the COVID-19 pandemic.

Visa Consulting & Analytics has investigated the changing face of credit risk from several angles. In this paper, we consider collections.

Open banking: What it is, why it matters, and how banks can lead the change.

Many customers across the world now rely on mobile for everyday banking needs. Learn how to standout by developing an app that delights customers.

When customers are engaged with your brand and products, they become valuable for your business. Read about how you can deliver to your customers.

Timely analysis on the latest trends in consumer spending and payments from Visa’s team of economists and analysts.

Integrated payments have become central to merchant acquirer business performance. Read about strategy tips for building a global acquiring business.

Increased customer expectations have raised the bar. Read about how to optimize the use of data & digital developments to attract the best customers.

Contactless is a faster, easier and more secure way to pay. Learn about the global status of contactless, case studies and the benefits it brings.

Claudio Di Nella, Head of VCA Europe, highlights opportunities in open banking and how banks can lead the change.

Read about tomorrow's data-driven workforce with Michelle Gervais, Visa's Head of Data Science for Visa Consulting & Analytics, CEMEA.

VCA has developed new solutions to improve portfolio profitability and performance. Learn how machine learning is changing the financial sector.
Case Study: New Market Entry
CrediMax Bahrain CEO Yousif Ali Mirza speaks to how Visa Consulting & Analytics supported their business growth with a new market entry study as part of their strategy to expand geographically. VCA provided CreditMax with a market entry analysis including a customer segmentation study, a competitive landscape overview and an assessment of regulatory requirements.

Case Study: Customer Lifecycle Management
A healthy credit card portfolio begins with a compelling product and high-performing distribution. However, for sustained success, you also need an effective customer lifecycle management program. See how Barclays Africa enlisted Visa Consulting & Analytics to bring more discipline and consistency to its customer lifecycle management.