# Mastercard: AI strategy Source: https://www.bankingnewsai.com/fintech/mastercard/ai-strategy Last updated: Oct 22, 2026 *Part of the [Mastercard AI strategy profile](https://www.bankingnewsai.com/fintech/mastercard).* ## What is Mastercard's AI strategy? Mastercard presents AI as a layer across its network and services rather than a separate business. In his 2025 shareholder letter, published April 27, 2026, CEO Michael Miebach tied the strategy to data, citing "15-plus petabytes of structured, clean, usable data", and named Agent Pay, Verifiable Intent and Agent Suite as its agentic tools. Miebach told Fortune in May 2025 that Mastercard had been "investing heavily in AI" for "the better part of 10 years" and had invested $7 billion in seven years in defenses; at a November 12, 2025 conference he said generative AI now also powers its consulting analytics. Greg Ulrich, chief AI and data officer since an April 2024 realignment created a Data and AI organisation, said in July 2026 that about 40% of the company is services and "a third of those are predicated on AI"; in October 2026 he said more than 80% of employees use AI regularly. The product record runs from Decision Intelligence Pro (February 2024) through Agent Pay (April 2025) to a transaction foundation model built with Nvidia and Databricks (March 2026). Partners on the record include Databricks, Nvidia, Microsoft, OpenAI, Google and Anthropic, whose Mythos model Mastercard tested under Project Glasswing. The FY2025 10-K lists AI regulation, including the EU AI Act, and biased or inaccurate AI outcomes among its risks. Mastercard does not disclose an AI budget, AI headcount or revenue from AI products. ([Mastercard](https://www.mastercard.com/us/en/news-and-trends/stories/2026/Michael-Miebach-ceo-2025-annual-letter-to-shareholders.html), [Fortune](https://fortune.com/2025/05/14/leadership-next-mastercard-ceomichael-miebach/), [Investing.com](https://www.investing.com/news/transcripts/mastercard-at-kbw-fintech-payments-conference-strategic-insights-and-future-plans-93CH-4352728), [Mastercard](https://www.mastercard.com/mea/en/news-and-trends/press/2024/april/positioning-mastercard-for-the-next-era-of-growth.html), [VentureBeat](https://venturebeat.com/security/mastercard-spent-decades-training-its-fraud-system-to-see-bots-as-thieves-now-bots-are-the-ones-doing-the-buying), [Forbes (via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/mastercard-delivering-business-customer-value-113011970.html), [Mastercard](https://www.mastercard.com/news/press/2024/february/mastercard-supercharges-consumer-protection-with-gen-ai/), [Mastercard](https://www.mastercard.com/news/press/2025/april/mastercard-unveils-agent-pay-pioneering-agentic-payments-technology-to-power-commerce-in-the-age-of-ai/), [Mastercard](https://www.mastercard.com/us/en/news-and-trends/stories/2026/mastercard-new-generative-ai-model.html), [U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1141391/000114139126000013/ma-20251231.htm)) ## What have Mastercard's CEO and AI leaders said about AI, and when? In date order. Quotes are as published by the source named in the last column; earnings-call lines come from The Motley Fool's transcripts. | Statement or move | Who | When | Source | Sources | | --- | --- | --- | --- | --- | | A company realignment creates a Data and AI organisation covering commercialisation of internal and external AI applications and enterprise-wide AI governance | Greg Ulrich, appointed chief AI and data officer | April 9, 2024 | Mastercard press release | [Mastercard](https://www.mastercard.com/mea/en/news-and-trends/press/2024/april/positioning-mastercard-for-the-next-era-of-growth.html) | | Targets high-teens growth in value-added services and solutions net revenue for 2025 to 2027; the data slide cites 15+ petabytes and "Artificial Intelligence deployed at scale" | Mastercard management | November 13, 2024 | Investment Community Meeting | [Mastercard Investor Relations](https://investor.mastercard.com/files/doc_events/2024-Mastercard-Investment-Community-Presentation.pdf) | | "For the better part of 10 years, we have been investing heavily in AI"; "we invested $7 billion in the last seven years to up our defenses for the industry" | Michael Miebach, CEO | May 14, 2025 | Fortune, Leadership Next | [Fortune](https://fortune.com/2025/05/14/leadership-next-mastercard-ceomichael-miebach/) | | The first agentic transaction ran on Mastercard's network in the quarter; U.S. Bank and Citibank cardholders could use Agent Pay, with the rest of U.S. issuers due in November and a global rollout early in 2026; value-added services revenue grew 25%, per American Banker | Michael Miebach, CEO | October 30, 2025 | Q3 2025 earnings call | [The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2025/10/30/mastercard-q3-2025-earnings-call-transcript/), [American Banker](https://www.americanbanker.com/payments/news/mastercards-earnings-beat-analysts-estimates) | | Mastercard has used AI "for about a decade", first machine learning, then generative AI, now also for the analytics behind its consulting business; one third of its services are AI-powered | Michael Miebach, CEO | November 12, 2025 | KBW Fintech Payments Conference | [Investing.com](https://www.investing.com/news/transcripts/mastercard-at-kbw-fintech-payments-conference-strategic-insights-and-future-plans-93CH-4352728) | | "With 15-plus petabytes of structured, clean, usable data, Mastercard is at the forefront"; Mastercard is "at the forefront of setting standards and guidelines for responsible AI" | Michael Miebach, CEO | April 27, 2026 | 2025 shareholder letter | [Mastercard](https://www.mastercard.com/us/en/news-and-trends/stories/2026/Michael-Miebach-ceo-2025-annual-letter-to-shareholders.html) | | About 40% of the company is services and "a third of those are predicated on AI"; generative AI finds "300, 400% more fraudulent transactions" in high-risk bands | Greg Ulrich, chief AI and data officer | July 14, 2026 (reported July 30) | VB Transform 2026 | [VentureBeat](https://venturebeat.com/security/mastercard-spent-decades-training-its-fraud-system-to-see-bots-as-thieves-now-bots-are-the-ones-doing-the-buying) | | "Agentic Commerce creates a significant opportunity for Mastercard"; "we expect cards will prevail in an agentic world" | Michael Miebach, CEO | July 30, 2026 | Q2 2026 earnings call | [The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/08/07/mastercard-ma-q2-2026-earnings-call-transcript/) | | More than 80% of employees use AI regularly; a new AI Learning Hub offers role-based learning paths; AI work is organised around foundations, employees, customers and commerce | Greg Ulrich, chief AI and data officer | October 21, 2026 | Forbes interview | [Forbes (via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/mastercard-delivering-business-customer-value-113011970.html) | ## Which AI products has Mastercard shipped, and in what order? Named products and services only; dates are Mastercard's announcement dates. | Product | What it does | Built on | Since | Sources | | --- | --- | --- | --- | --- | | Decision Intelligence Pro | Generative AI fraud scoring at authorisation: scans one trillion data points and returns a score in under 50 milliseconds | Mastercard network transaction data | February 1, 2024 | [Mastercard](https://www.mastercard.com/news/press/2024/february/mastercard-supercharges-consumer-protection-with-gen-ai/) | | Gen AI onboarding assistant | Knowledge agent answering customer onboarding questions, using a large language model with retrieval augmented generation | Databricks Data Intelligence Platform | October 29, 2024 | [Mastercard](https://www.mastercard.com/news/press/2024/october/mastercard-launches-new-gen-ai-digital-assistant-capabilities-to-enhance-customer-value/) | | Agent Pay | Registered, verified AI agents pay with Agentic Tokens within consumer-set limits | Mastercard tokenization; launched with a Microsoft collaboration (Azure OpenAI Service, Copilot Studio) | April 29, 2025 | [Mastercard](https://www.mastercard.com/news/press/2025/april/mastercard-unveils-agent-pay-pioneering-agentic-payments-technology-to-power-commerce-in-the-age-of-ai/) | | Agent Toolkit, Agent Sign-Up, Insight Tokens | Lets AI assistants read Mastercard's API documentation, identify their agents and use permissioned Mastercard insights | Model Context Protocol server; works with Claude, Cursor and GitHub Copilot | September 10, 2025 | [Mastercard (Business Wire)](https://www.businesswire.com/news/home/20250910602958/en/Mastercard-Unveils-New-Tools-and-Collaborations-to-Power-Smarter-Safer-Agentic-Commerce) | | Mastercard Threat Intelligence | Joins Mastercard fraud insights with threat intelligence to detect attacks that lead to payment fraud | Recorded Future, acquired for $2.7 billion | October 27, 2025 | [Mastercard (Business Wire)](https://www.businesswire.com/news/home/20251027178350/en/Mastercard-Introduces-First-Ever-Threat-Intelligence-Solution-to-Combat-Payment-Fraud-at-Scale), [U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1141391/000114139126000013/ma-20251231.htm) | | Agent Suite | Customizable AI agents for banks (product discovery) and merchants (conversational shopping), slated for the second quarter of 2026 | Mastercard data, backed by 4,000 global advisors | January 27, 2026 | [Mastercard](https://www.mastercard.com/us/en/news-and-trends/press/2026/january/mastercard-launches-agent-suite-to-ready-enterprises-for-a-new-e.html) | | Large tabular foundation model | Generative model trained on billions of anonymized transactions; cybersecurity is the first target | Nvidia and Databricks | March 17, 2026 | [Mastercard](https://www.mastercard.com/us/en/news-and-trends/stories/2026/mastercard-new-generative-ai-model.html) | | Agent Pay for Machines | Permissioned, settled machine-to-machine payments for agents buying digital services, some worth fractions of a cent | Cards, accounts and stablecoins; early access built on the x402 protocol | June 10, 2026 | [Mastercard](https://www.mastercard.com/us/en/news-and-trends/press/2026/june/mastercard-launches-agent-pay-for-machines.html) | | Mastercard Max | AI benefits assistant embedded in an issuer's own channel, launching with C6 Bank in Brazil | Issuer digital channels | October 21, 2026 | [Mastercard](https://www.mastercard.com/us/en/news-and-trends/press/2026/october/Mastercard-Max-makes-benefits-easy.html) | ## Where does AI sit inside Mastercard, what do its filings say, and what is not disclosed? AI is run from a central Data and AI organisation under Greg Ulrich, created in April 2024 to commercialise AI applications and govern AI across the company. Ulrich describes his job as ensuring "data and AI create measurable value for our customers and across Mastercard" and says leadership tracks workforce adoption, productivity, customer outcomes and market leadership to judge whether AI pays off. ([Mastercard](https://www.mastercard.com/mea/en/news-and-trends/press/2024/april/positioning-mastercard-for-the-next-era-of-growth.html), [Forbes (via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/mastercard-delivering-business-customer-value-113011970.html)) Inside the company, Ulrich told VB Transform in July 2026 that Mastercard built an "agentic factory" with compliance, observability and guardrails built in, and automated model-drift tracking that dedicated teams once did by hand. He said Mastercard was in the early wave of Anthropic's Project Glasswing with the Mythos model and worked with OpenAI's GPT-5.5-Cyber, calling them "a new tool as opposed to a new motion". ([VentureBeat](https://venturebeat.com/security/mastercard-spent-decades-training-its-fraud-system-to-see-bots-as-thieves-now-bots-are-the-ones-doing-the-buying)) The FY2025 10-K lists "Data & AI" among the enablers of its strategy, says it uses AI to enhance operations and employee productivity, describes Privacy by Design, Data by Design and AI Governance processes, and notes patents and applications relating to AI. ([U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1141391/000114139126000013/ma-20251231.htm)) The same filing's risk factors say that as a user and deployer of AI Mastercard is subject to laws including the EU AI Act, that how its AI use will be regulated is still developing, that uncertainty remains as to how AI "(such as in agentic commerce)" will continue to advance, and that AI algorithms "may generate inaccurate, unintended, unfair, biased or discriminatory outcomes". ([U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1141391/000114139126000013/ma-20251231.htm)) What is not disclosed: a dedicated AI budget or capital spending figure (the $7 billion Miebach cited covers defenses generally), AI headcount, revenue from AI-powered services, which large language models power Agent Suite or Mastercard Max, and results for the foundation model. ([Fortune](https://fortune.com/2025/05/14/leadership-next-mastercard-ceomichael-miebach/), [U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1141391/000114139126000013/ma-20251231.htm), [Mastercard](https://www.mastercard.com/us/en/news-and-trends/press/2026/january/mastercard-launches-agent-suite-to-ready-enterprises-for-a-new-e.html), [Mastercard](https://www.mastercard.com/us/en/news-and-trends/stories/2026/mastercard-new-generative-ai-model.html)) ## What does the Mastercard profile record on this topic? | Date | Move | Detail | Sources | | --- | --- | --- | --- | | Oct 21, 2026 | Mastercard Max launches with C6 Bank | An AI-powered benefits assistant that surfaces relevant card benefits, explains them and guides cardholders to use them in context (e.g. lounge access while traveling), embedded in the issuer's own digital channel. Launching first with C6 Bank in Brazil; SNB Group, Nedbank, I&M Bank and Attijariwafa Bank are working to offer it, and Citi is exploring it for Singapore and Hong Kong. | [Mastercard](https://www.mastercard.com/us/en/news-and-trends/press/2026/october/Mastercard-Max-makes-benefits-easy.html) | | Mar 17, 2026 | Large tabular foundation model disclosed | Mastercard describes a generative foundation model trained on billions of anonymized transactions with Nvidia and Databricks; early tests beat standard machine-learning techniques on rare legitimate purchases, and cybersecurity is the first target. | [Mastercard](https://www.mastercard.com/us/en/news-and-trends/stories/2026/mastercard-new-generative-ai-model.html) | | Mar 10, 2026 | Virtual C-Suite for small businesses | An extension of Agent Suite that gives small businesses AI agents acting as digital executives, starting with a Virtual CFO, drawing on insights from the 175 billion transactions Mastercard processed in 2025. | [Mastercard](https://www.mastercard.com/us/en/news-and-trends/press/2026/march/Mastercard-Virtual-C-Suite-bringing-executive-level-intelligence-to-small-businesses.html) | | Jan 29, 2026 | About 4% of staff affected by restructuring | Alongside Q4 2025 results, Mastercard says a corporate restructuring will affect about 4% of its global staff, and that it has enabled U.S.-based issuers to support agentic commerce; the $202 million pre-tax restructuring charge, intended to enable reinvestment, was taken in Q1 2026 (it appears in the Q2 release's six-month column). | [American Banker](https://www.americanbanker.com/payments/news/mastercard-ceo-slams-credit-card-competition-act), [U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1141391/000114139126000029/ma03312026-exx991xearnings.htm), [U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1141391/000114139126000081/ma06302026-exx991xearnings.htm) | | Jan 27, 2026 | Mastercard Agent Suite announced | A set of services to build, test and deploy customizable AI agents for banks and merchants, backed by 4,000 global advisors, slated for availability in the second quarter of 2026. | [Mastercard](https://www.mastercard.com/us/en/news-and-trends/press/2026/january/mastercard-launches-agent-suite-to-ready-enterprises-for-a-new-e.html) | | Apr 9, 2024 | Data and AI organisation created | A company realignment creates a Data and AI organisation led by Greg Ulrich as chief AI and data officer, covering commercialisation of internal and external AI applications and enterprise-wide governance. | [Mastercard](https://www.mastercard.com/mea/en/news-and-trends/press/2024/april/positioning-mastercard-for-the-next-era-of-growth.html) | | Feb 1, 2024 | Decision Intelligence Pro announced | Mastercard applies generative AI to its Decision Intelligence fraud-scoring service, which already scores 143 billion transactions a year; DI Pro scans one trillion data points and returns a score in under 50 milliseconds. Mastercard says initial modelling shows fraud detection up 20% on average. | [Mastercard](https://www.mastercard.com/news/press/2024/february/mastercard-supercharges-consumer-protection-with-gen-ai/) | ## Common questions ### Who leads AI at Mastercard? Greg Ulrich is chief AI and data officer. He has led a Data and AI organisation since an April 2024 realignment that put commercialisation of AI applications and enterprise-wide AI governance under one team. CEO Michael Miebach sets the strategic framing, and chief product officer Jorn Lambert fronts Agent Pay and Agent Pay for Machines. ### How much of Mastercard's business runs on AI? Mastercard gives a share rather than revenue. Ulrich said in July 2026 that about 40% of the company is services and that a third of those are predicated on AI and growing faster than the rest. Miebach said the same one-third figure at a November 2025 conference. No AI revenue figure is published. ### Which AI companies does Mastercard work with? On the record: Databricks (an onboarding assistant in 2024 and, with Nvidia, a transaction foundation model in 2026), Microsoft (Agent Pay's April 2025 launch), OpenAI (ChatGPT checkout and GPT-5.5-Cyber testing), Google (Verifiable Intent and its agent protocols) and Anthropic, whose Mythos model Mastercard tested under Project Glasswing. ### What does Mastercard's 10-K say about AI risk? The FY2025 10-K says Mastercard is subject to AI laws including the EU AI Act as a user and deployer of AI, that regulation of AI in agentic commerce is still uncertain, and that AI may produce inaccurate, biased or discriminatory outcomes that are hard to detect or explain, or disclose confidential information. ### How many Mastercard employees use AI? Ulrich told Forbes in October 2026 that more than 80% of employees use AI regularly, supported by a new AI Learning Hub with role-based learning paths. 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