Visa Inc. (V)

Payment network, most people abroad. Read October 2, 2026 from the annual report for the period ending September 30, 2025, filed November 6, 2025. Ranked 6 of the 29 Financial Services companies read so far, by the share within reach now.

The filing states approximately 34,100 employees in 86 countries and territories, more than 60% outside the U.S., in one payment network business, so one pattern carries the whole workforce (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 32% of the working time stays with people (conversation, in-person and hands-on work), 60% 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

34,100 employees as of September 30, 2025 (stated). At most 40%: the filing says more than 60% of employees are located outside the U.S., across 86 countries and territories.

The filing: “This year, we grew our total workforce from approximately 31,600 in fiscal 2024 to approximately 34,100 employees in fiscal 2025, an increase of 8% year-over-year.”

The workforce as industry patterns

What the filing says about the workforce: Approximately 34,100 employees in fiscal 2025, up 8% from 31,600; voluntary turnover about 6%; employees in 86 countries and territories, more than 60% outside the U.S.

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
• Mastercard Incorporated (MA, 39,800 employees)39% now, 66% by 2028

What the filing says about AI

48 sentences in the filing name AI. The filing describes AI in its products (AI models in payment systems, generative AI, agentic commerce, an MCP server for AI systems to reach its commerce APIs) and in its own work: an internal GenAI hub used by nearly 26,000 employees for over 261,000 chats since its March 2025 launch.

• “Building upon our track record of industry leadership, including early adoption and integration of artificial intelligence (AI) models in payment systems, Visa continues to invest in the development and deployment of next-generation technologies, such as generative AI (GenAI), stablecoins and agentic commerce.”
• “We partner with traditional financial institutions and emerging fintech and AI companies to innovate and expand the payments ecosystem, enabling them to leverage our platform infrastructure to accelerate their business growth and market expansion.”
• “Finally, the access layer provides clients the entry point to these solutions via on-demand APIs, our MCP server that enables AI systems to interface with our Visa Intelligent Commerce APIs, and fully managed solutions.”
• “In addition, our Smarter Stand-In Processing uses AI to authorize transactions on behalf of issuers in the event of system outages or maintenance, while our digital enablement solutions allow issuers to easily build and deploy new functionalities for their customers.”
• “Risk and Security Solutions Visa's Risk and Security Solutions offer risk detection and prevention solutions underpinned by real-time AI-driven scores.”

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 20210median 0
• Fiscal 20220median 0
• Fiscal 202314median 1
• Fiscal 202433median 4
• Fiscal 202548median 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

• One pattern by description (c): the filing counts no employees by function.
• The U.S. share is an upper bound: the filing says more than 60% of employees are outside the U.S.

Source: the company's annual report on EDGAR, accession 0001403161-25-000089, 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.