Visa Introduces AI Financial Assistant, Helping Banks Guide Customers from Insight to Action

Artificial Intelligence
15.07.2026 12:47 pm

Visa, a global leader in digital payments, today announced AI Financial Assistant, a new value‑added service designed to help financial institutions evolve their apps for an AI‑driven era. The feature helps banks bring AI-powered financial insights to cardholders under their own brand, look and feel with no custom development required.

More than 66% of surveyed Americans who have used generative AI are turning to AI for financial advice,1 yet consumers view banks as the most trusted institutions to safeguard personal data.2 In fact, 85% say they are willing to share even more data with their bank if there was a clear AI value proposition.3 AI Financial Assistant allows banks to extend that trust into natural, conversational experiences within secure banking environments.

“Consumers are already turning to AI for financial advice—but banks have the full financial picture, can act on it, and are among the most trusted institutions consumers rely on,” said Michele Herron, Senior Vice President and Head of North America Value-Added Services at Visa. “AI Financial Assistant brings those strengths together, combining personalized insights based on a consumer’s own data and pairing it with the ability to act, all right within their bank's app. By simply turning on this service, banks can strengthen relationships with their customers and transform from a passive ledger to a generative AI–enabled financial hub.”

Turning insights into action, inside the mobile banking app

As part of its initial rollout, AI Financial Assistant enables ways for cardholders to:

Stay on top of spending, automatically: Proactive monthly insights surface meaningful changes without setup or manual effort.
Ask and understand instantly: Responses to natural‑language questions are grounded in a cardholder’s own financial activity.
Act in the moment: Lock a card or set alerts directly within the conversation. Future planned enhancements include the ability to connect spending insights and subscription management through Enhanced Subscription Manager.