Mastercard Incorporated (MA)

Payment network, 39,800 people, 70% outside the U.S.. Read October 2, 2026 from the annual report for the period ending December 31, 2025, filed February 11, 2026. Ranked 3 of the 26 Financial Services companies read so far, by the share within reach now.

The filing states one total and the share outside the U.S., nothing by segment, so the whole workforce takes the transaction processing pattern by description (c).

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 39% now, 58% at the end of 2027, 66% at the end of 2028, 68% at the end of 2030. By the patterns, the work is about 68% desk work, 23% people work and 9% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 33% of the working time stays with people (conversation, in-person and hands-on work), 59% becomes checking a model's work and 6% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

39,800 employees as of December 31, 2025 (stated). About 70% employed outside the U.S. in more than 90 countries, so about 30% in it.

The filing: “As of December 31, 2025, we employed approximately 39,800 persons globally, of which approximately 70% were employed outside of the U.S. in more than 90 countries.”

The workforce as industry patterns

What the filing says about the workforce: About 39,800 persons, about 70% outside the U.S. in more than 90 countries; about 6,000 contingent workers besides; a hybrid approach of at least three days in the office a week on average; a global minimum of 10% of base pay toward retirement.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Credit Intermediation and Related Activities (5221 and 5223 only), largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.

• JPMorgan Chase (JPM, 318,512 employees)35% now, 68% by 2028
• Citigroup (C, 226,000 employees)37% now, 68% by 2028
• Bank of America (BAC, 213,000 employees)38% now, 67% by 2028
• Wells Fargo (WFC, 205,000 employees)38% now, 67% by 2028
• Capital One Financial Corporation (COF, 76,300 employees)39% now, 66% by 2028
• U.S. Bancorp (USB, 68,520 employees)39% now, 66% by 2028
• The PNC Financial Services Group, Inc. (PNC, 55,333 employees)39% now, 66% by 2028
• Truist Financial Corporation (TFC, 38,711 employees)39% now, 66% by 2028

What the filing says about AI

47 sentences in the filing name AI. Forty-seven sentences: data and AI named as an enabler of its strategy, products and services built on its data and AI assets, and regulatory and risk language.

• “Any one of those factors could cause our actual results to differ materially from those expressed or implied in writing in any forward-looking statements made by Mastercard or on its behalf, including, but not limited to, the following factors: regulation related to the payments industry (including regulatory, legislative and litigation activity with respect to interchange rates and surcharging...”
• “Our Strategy Grow our core Diversify into new customers and geographies Build new areas for the future Our Strategic Priorities Consumer payments Commercial and new payment flows Services and other solutions Enabled by People Brand Data & AI Technology Franchise Doing well by doing good MASTERCARD 2025 FORM 10-K 7 PART I ITEM 1.”
• “We create a range of products and services for our customers using our data and artificial intelligence ("AI") assets, technology, platforms and expertise.”
• “Our Privacy by Design, Data by Design and AI Governance processes are designed to ensure we embed multiple layers of privacy, data protection and information security controls in all our products and services, keeping a clear focus on protecting customers' and individuals' data and privacy, as well as making our AI more accurate and effective.”
• “In addition to our products and services, we use AI to enhance our operations and our employee productivity.”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 202110median 0
• Fiscal 202210median 0
• Fiscal 202333median 1
• Fiscal 202442median 4
• Fiscal 202547median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• No count by segment or kind of work: one transaction processing pattern by description (c); the value-added services (41% of revenue) sit inside it.
• About 6,000 contingent workers supplement the employees and are left out (rule 8).

Source: the company's annual report on EDGAR, accession 0001141391-26-000013, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.