Artificial Intelligence - the “refinery” for Data
summary
Mastercard frames itself as a technology company, not a credit card issuer, running AI across payments scale: 2.5 billion customers, 23,000 banks, 50 million merchants in 210 countries, processing 74 billion transactions in under 135 ms. Three AI divisions push passive biometrics (phone-hold and swipe patterns), real‑time payments, and fraud scoring that grows from ~15 to ~150 variables, fighting fraud forecast to rise from $24B to $34B; engineering relies on partners like Dell Technologies and Intel to move CPU compute closer to the edge.
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