Introducing VISA Inc.
Visa Inc. is an American multinational financial services corporation that facilitates electronic
funds transfers throughout the world.
 Headquartered in Foster City, California, United States.
 In 1976, a group of banks formed the Interbank Card Association (ICA), which is now known as Visa
USA.
 Visa cardholders with access to more than 16 million merchants and 2.5 million ATMs worldwide.

 Visa Inc.'s net worth is estimated to be around $335 billion.
 Visa operates one of the world's most advanced processing networks — VisaNet — that is capable
of handling more than 65,000 transaction messages a second.
 Visa net income for the twelve months ending June 30, 2022 was $14.601B, a 34.4% increase year-
over-year.
How Big The VISA Is?
Fig: Net income of VISA Inc.

 Visa inc. Provides financial services, travel services, and retail services.
Financial services:
 Credit and debit card services.
 Money transfer services.
Visa do not provides any card. Financial companies serves visa-branded credit cards, debit
cards, and prepaid cards.
Services of VISA Inc.

Travel services:
Travel insurance and assistance.
Travel arrangements.
Retail services:
Point-of-sale services.
Merchant services.
Gift card services.
Services of VISA Inc.

How does VISA Inc. make money?

Current Strategy of VISA Inc.
The strategy of Visa Inc. is to provide
a safe, convenient and reliable way
for people to pay for goods and
services. The company plans to
continue to grow its business by
expanding its product offerings and
increasing its global reach.

The company represents an intermediary between banks and merchants by processing
transactions between cardholders and merchants.
The operational business model can be divided into three different streams: consumers
(account holders/card issuers), merchants (acquires/partners with processors), and card networks
(gateways).
 Consumers (Cardholders/Issuing Banks)
They are not able to choose a specific card network because this choice depends on card-
issuers’ deals and partnerships.
Operational Business Model

• Merchants (Acquires/partners with processors)
Merchants can choose a platform or application through which all transactions are
processed; however, all these platforms and applications are still based on the main network,
VisaNet. Visa Inc.
 Banks (Issuing banks):
Visa Inc. offers various products and services to these banks. The main ones are its cards
and main network, VisaNet, through which Visa processes transactions from merchants to
cardholders and vice versa.
Operational Business Model

Visa Inc. would likely segment its credit card market into four main
categories by card type :
 Small business credit cards
 Personal credit cards
 Co-branded credit cards
 Corporate credit cards.
Market Segmentation

Need Assessment
Customer Needs and Wants: customers need a fast, reliable, and convenient way to
make payments.
Current Offering: Visa Inc. offers a variety of payment products and services that meet
the needs of its customers.
Gaps: The company does not currently offer a mobile wallet solution.

Core Competencies
Visa Inc. has not had any core competencies that could provide a
unique value to its customer segments. In the majority, the company’s
competitors of card network industry, such as Master card and American
Express, have faced with the same situation of the lack of core competencies.
These companies have the same or similar strategies and business models that
cannot wholly differentiate themselves from each other

Visa’s competitive advantage is its strong brand, network effect, and
scale.
1. Visa is the 7th most valuable brand globally
2. Has trust amongst its customers.
3. Has the largest number of merchants in its payment system.
4. It will be very tough for new entrants to build the same network and trust.
Competitive Advantage

Process Design of VISA Inc.

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