Visa is modernizing bank infrastructure to unlock AI capabilities that legacy systems cannot support. Banks built core systems decades ago for stability and accuracy, but those same systems now constrain innovation and real-time data access. Visa's modular approach with Pismo allows banks to upgrade incrementally rather than waiting years for complete core replacements. The shift is critical as AI depends on governed, real-time data access that fragmented legacy systems cannot provide. Regulators are simultaneously tightening oversight of AI deployment, forcing banks to demonstrate clear data governance and decision transparency. This convergence of AI demands and regulatory pressure means infrastructure modernization is no longer optional but essential for competitive survival and compliance.
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