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Artificial Intelligence

Transforming commerce through AI

Driving innovation at scale with our customers with AI for over a decade.

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Our competitive advantage

Data is at the heart of our network

Our investment and innovation in AI turns payments into patterns, making commerce safer, smarter and more personal.

159b

switched transactions in 2024[1]

~1/3

of our products within value-added services and solutions were enabled by AI in 2024[2]

The scale and speed of our network and the strength of our innovation powers unparalleled performance

Breadth and quality of data

Our data is invaluable for developing advanced AI models and enhancing fraud detection systems.

Responsibility

Our approach is built on robust governance frameworks, minimizing biases, and fostering inclusion and equity in all AI initiatives.

People

Mastercard has 2,000 plus data scientists, engineers and consultants that focus on data and AI.

Experience

For two decades, we have been using AI in real time and at massive scale.

News

Mastercard unveils Agent Pay, pioneering agentic payments

Mastercard will work with Microsoft and other leading AI platforms to scale agentic commerce.

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Our focus

Making commerce safer

The security of our network has been our primary use of AI for years. We embrace AI to fight AI, investing approximately $11 billion in cybersecurity innovation since 2018.

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Making commerce smarter

We are providing AI-driven insights to our customers, enabling them to better manage their portfolios, improve authorization rates, and drive more revenue.

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Making commerce more personal

We are using data to improve our marketing services and enabling retailers to create a store-like shopping experience for their customers.

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Making Mastercard stronger

We are leveraging AI to drive efficiency, scale and cost savings. AI is up-skilling and re-skilling our employee base.

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News

Mastercard Signals report on Artificial Intelligence

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Spotlight on AI Solutions

AI-powered solutions

Explore solutions that leverage the power AI to drive insights, personalization, and security.

Dynamic yield

Provides hyper-personalized consumer experiences using advanced AI and numerous data sources to create real-time recommendations and personalization.

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Open finance

Linking your bank accounts to financial services generates billions of transactions per day, which is used to train AI models to generate valuable insights for consumers.

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AI & advanced analytics consulting

Explore how ethical artificial intelligence can generate sustainable revenue and growth.

Mastercard agent pay

Pioneering agentic payments technology to power commerce through artificial intelligence.

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Making commerce safer

Global view of threat landscape

We combine insights with emerging technologies to enhance our security approach and posture while driving the security of the global digital ecosystem.

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Preventing fraud at scale

We block billions of dollars in fraud annually through AI-driven security enhancements, which have boosted fraud detection rates by 20% - and up to 300%.

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Continued investment in security

Our recent acquisition of Recorded Future, the world’s largest intelligence company, strengthens our ability to combat cyber threats and financial crimes.

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Proactive security in our network

Mastercard’s deployment of generative AI has doubled the detection rate of compromised payment cards before they can be used fraudulently.

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Insights and perspectives

[1] Mastercard internal, 2024.
[2] Mastercard Form 10-K 2024.