Visa, a global leader in digital payments, today announced AI Financial Assistant, a new value‑added service designed to help financial institutions evolve their apps for an AI‑driven era. The feature helps banks bring AI-powered financial insights to cardholders under their own brand, look and feel with no custom development required. More than 66% of surveyed Americans who have used generative AI are turning to AI for financial advice, yet consumers view banks as the most trusted institutions to safeguard personal data.
Visa AI Financial Assistant enables conversational financial guidance in banking apps.
66% of Americans using generative AI turn to AI for financial advice.
85% willing to share more data with bank if clear AI value proposition.
Powered by Visa's Data & AI Platform (DAP) with multiple leading AI models.
Available for U.S. pilot in August 2026 with global rollout to follow.
Integrated with Visa Digital Issuer Solutions and Digital Enablement SDK.
Michele Herron, Senior Vice President and Head of North America Value-Added Services at Visa, stated: "Consumers are already turning to AI for financial advice—but banks have the full financial picture, can act on it, and are among the most trusted institutions consumers rely on. AI Financial Assistant brings those strengths together, combining personalized insights based on a consumer's own data and pairing it with the ability to act, all right within their bank's app."
AI Financial Assistant enables cardholders to stay on top of spending automatically with proactive monthly insights that surface meaningful changes without setup or manual effort; ask and understand instantly with responses to natural-language questions grounded in a cardholder's own financial activity; and act in the moment by locking a card or setting alerts directly within the conversation. Future planned enhancements include connecting spending insights and subscription management through Enhanced Subscription Manager.
AI Financial Assistant is the latest feature of Visa Digital Issuer Solutions, delivering a single chat-based entry point inside the banking app. Financial institutions can connect their FAQs and documents via deep links to surface relevant banking product information. While institutions can deploy individual capabilities on their own through Visa's Digital Enablement Software Development Kit (SDK), AI Financial Assistant acts as a central layer that connects existing and new features within the SDK.
Operating under Visa's AI and data governance standards, AI Financial Assistant is informed by Visa's global network of more than 300 billion annual transactions. It combines cardholder behavior, real-time data, and the financial institution's own data to deliver highly personalized guidance with the security, compliance, and fraud protections banks require.
About Visa
Visa is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive.
