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Cloudflare teams up with Visa, Mastercard and AmEx to lay payment rails for AI agents https://t.co/XbxhusIpiU ...

Core Insights - Visa is recognized as a leading company with a significant presence in the market, often referred to as a "moat company" due to its competitive advantages [1] Group 1: Investment Focus - The company emphasizes long-term value investing, particularly in undervalued sectors such as Oil & Gas and consumer goods, which are often overlooked despite having strong fundamentals [1] - Energy Transfer is highlighted as a company that was initially avoided by investors but has shown potential for substantial returns [1] Group 2: Investment Strategy - The company tends to avoid high-tech businesses and certain consumer goods sectors, preferring more understandable investments like Levi's jeans [1] - There is skepticism towards cryptocurrencies, indicating a preference for traditional investment avenues [1] Group 3: Community Engagement - The company aims to connect with like-minded investors through platforms like Seeking Alpha, focusing on sharing insights and building a collaborative community for informed decision-making [1]

Core Insights - Visa is recognized as a leading company with a significant presence in the market, often referred to as a "moat company" due to its competitive advantages [1] Group 1: Investment Focus - The company emphasizes a strategy of identifying undervalued and overlooked sectors, particularly in Oil & Gas and consumer goods, which have strong fundamentals and cash flows [1] - Energy Transfer is highlighted as a company that was previously avoided by investors but is now considered a valuable long-term investment [1] Group 2: Investment Philosophy - The company prioritizes long-term value investing while also exploring potential deal arbitrage opportunities, citing examples like Microsoft/Activision Blizzard and Spirit Airlines/Jetblue [1] - There is a clear preference for businesses that are easily understandable, avoiding high-tech and certain consumer goods sectors, including cryptocurrencies [1]

Core Insights - Visa Inc. is launching the Trusted Agent Protocol to enhance security in AI-driven commerce, developed in collaboration with Cloudflare [1][8] - The protocol aims to help merchants verify the authenticity of AI agents, addressing the challenge of distinguishing between trustworthy agents and harmful bots [2][4] - Early partners like Microsoft, Shopify, Stripe, Coinbase, and Worldpay have contributed to the protocol's design, promoting an open and interoperable system [3][8] Company Positioning - Visa is positioning itself as a leader in digital payments by fostering trust in AI-driven commerce, potentially becoming a foundational element for future commerce [4] - Visa's stock has increased by 24.6% over the past year, outperforming the industry average of 1% [7] Competitor Landscape - Competitors such as Mastercard and Affirm are also advancing their AI commerce strategies, with Mastercard introducing the Agent Pay protocol and Affirm supporting Google's Agent Payments Protocol [5][6] Financial Performance - Visa trades at a forward price-to-earnings ratio of 26.59, above the industry average of 21.23, and has a Value Score of D [9] - The Zacks Consensus Estimate for Visa's fiscal 2025 earnings indicates a 13.7% increase from the previous year [11]

上海2025年10月14日-- 2026春夏上海时装周期间，Visa在上海举办了"Payments in Motion——支付律动 增长启航"领袖论坛。此次活动融合金融、时尚与交流，汇聚来自银行、金融科技公司、时尚产业等领 域的嘉宾，围绕中小企业支付创新、跨境商务支付和资金流解决方案，以及品牌全球化等议题展开深入 探讨。 数据显示，预计到2028年，全球B2B支付交易量将达到约200万亿美元[1]。在全球数字化浪潮加速的背 景下，Visa商务支付与资金流业务在中国正迎来前所未有的发展机遇。作为全球领先的数字支付公司， Visa深耕中国市场近四十年，通过多币种结算、数字支付解决方案及定制化财务管理工具，为企业提供 安全、高效的跨境资金流动支持，持续推动本地企业，尤其是包括中国时尚创业者在内的中小企业，接 入数字经济与实现国际化发展。 作为上海时装周的长期合作伙伴，Visa连续九年赞助该盛事，并于2024年在中国首次推出"Visa创作者计 划"，携手上海时装周与设计师协会，赋能年轻设计师加速品牌发展，拓展跨境商业机会。通过赞助时 装秀、提供金融工具及搭建全球合作平台，Visa正帮助中国设计师走向国际舞台。 洞察趋 ...

This story was originally published on Payments Dive. To receive daily news and insights, subscribe to our free daily Payments Dive newsletter. Visa this week will revamp its discount rates for fees on credit card transactions, and industry consultants fear that many merchants will be caught off guard by the change. Starting Friday, Visa will demand more data from retailers, restaurants and other merchants that want to receive certain discounts on the interchange fees paid for processing card payments, per ...

Key Points Credit card giant Visa is a lucrative toll road for how money moves. S&P Global is a leading authority on financial debt around the world. Jack Henry helps small and mid-sized banks compete with megabanks. 10 stocks we like better than Visa › The global economy rests on the shoulders of the financial services sector. Trillions of dollars are circulating among the world's consumers, businesses, and markets at any given moment. It's an excellent place to find fantastic businesses that h ...

Core Insights - The digital payments industry is transitioning from one-time passwords (OTPs) to biometric-based authentication and passkeys to enhance transaction success rates and security [11][10][8] Industry Overview - OTPs have been associated with delivery issues leading to transaction failures, while biometric authentication is expected to improve transaction rates significantly [11][7] - Major banks in India operate at a success rate of 93-95% on the Unified Payments Interface (UPI), with business declines and technical declines being the primary reasons for transaction failures [11][12] Technological Advancements - Biometric authentication and passkeys are seen as effective solutions to reduce friction points in card transactions, which often lead to failures [5][11] - Visa's Payment Passkey utilizes a hardware-protected private key paired with a public key, minimizing reliance on telecom networks and enhancing security against phishing attacks [5][6] Cost Efficiency - The shift to biometric authentication is expected to significantly reduce the costs associated with sending OTPs, as the SMS delivery leg will be bypassed [7][6] - The digital payments industry processes billions of transactions monthly, indicating a substantial cost-saving potential with the new authentication methods [7][11] Regulatory Changes - The Reserve Bank of India (RBI) has issued new guidelines mandating that all digital payments must be verified using at least two factors of authentication, which can include biometric methods [12][10] - These guidelines aim to adopt more risk-based authentication models in response to increasing fraud instances in online payments [10][12]

Core Insights - Visa and Mastercard are widely accepted payment methods, but they do not issue credit cards, which differentiates their risk profile during economic downturns [1][2] - The credit card transaction process involves multiple parties, including consumers, retailers, and the banks that issue the cards, with Visa and Mastercard acting as facilitators [3][5] - Visa and Mastercard operate as toll takers in the payment processing industry, facing minimal credit risk since they do not handle the funds directly [7][8] Summary by Sections - **Payment Method Overview** - Credit cards allow consumers to make purchases with the promise of future payment, involving various stakeholders in the transaction [3] - **Transaction Process** - The process begins with a consumer purchase, where the retailer receives immediate payment from the issuing bank, creating a short-term loan between the consumer and the bank [5][7] - **Role of Visa and Mastercard** - Visa and Mastercard facilitate transactions and earn fees without being exposed to default or payment risks, as they do not manage the actual funds exchanged [6][8]