Our Team Visa Research is a research organization part of the company's effort on expanding its technology research capabilities globally. We conduct both applied and fundamental research while engaging with the company's technology and product teams, business partners, academics, and governments, to explore and develop technologies that are critical to the payments industry in the future. Our mission at the Artificial Intelligence team is to unlock the hidden value in these massive high-quality financial data and decode the language of transactions to drive innovation in the payment industry and beyond. We conduct applied research in machine learning and related fields to deliver unique insights and capabilities to our partners and clients to help them grow their businesses. Our research areas include deep learning applications in financial data, supervised and unsupervised representation learning, predictive modeling for fraud and risk management, consumer behavior modeling, recommendation systems, payment foundational models, scalable machine learning systems, privacy preserving data analytics, and related fields.