{"id":3663023,"date":"2026-04-20T04:02:17","date_gmt":"2026-04-20T08:02:17","guid":{"rendered":"https:\/\/www.pymnts.com\/?p=3663023"},"modified":"2026-04-19T18:48:25","modified_gmt":"2026-04-19T22:48:25","slug":"how-visa-is-rewiring-bank-infrastructure-for-the-ai-era","status":"publish","type":"post","link":"https:\/\/www.pymnts.com\/news\/banking\/2026\/how-visa-is-rewiring-bank-infrastructure-for-the-ai-era\/","title":{"rendered":"How Visa Is Rewiring Bank Infrastructure for the AI Era"},"content":{"rendered":"<p><strong>Watch more:<\/strong> <a href=\"https:\/\/tv.pymnts.com\/detail\/video\/6393318093112\" target=\"_blank\" rel=\"noopener\">The Edit With Visa\u2019s Kathleen Pierce-Gilmore<\/a><\/p><div\r\n\tid=\"article-paywall-overlay\"\r\n\tclass=\"d-none\"\r\n>\r\n\t<div id=\"article-paywall-content\" class=\"my-4\">\r\n\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2699550-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"2699550\">\n<div class=\"screen-reader-response\"><p 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enjoy unlimited free access to all PYMNTS content \u2014 no additional logins required.\n\t<\/p>\n\t<div id='registrationContainer' class='container px-0'>\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"firstName\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"firstName\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"First Name*\" value=\"\" type=\"text\" name=\"firstName\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"lastName\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"lastName\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Last Name*\" value=\"\" type=\"text\" name=\"lastName\" 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class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"email\" \/>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"newsLetterChoice\"><span class=\"wpcf7-form-control wpcf7-checkbox me-1\" id=\"checkNewsletter\"><span class=\"wpcf7-list-item first last\"><input type=\"checkbox\" name=\"newsLetterChoice[]\" value=\"yes\" checked=\"checked\" \/><span class=\"wpcf7-list-item-label\">yes<\/span><\/span><\/span><\/span><span class=\"small\">Subscribe to our daily newsletter, PYMNTS Today.<\/span>\n\t\t\t\t<\/p>\n\t\t\t\t<p class=\"small lh-base\" style=\"font-size:.9rem;\">By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/privacy-policy\/\">Privacy Policy<\/a> and <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/terms-conditions\/\">Terms and Conditions<\/a>.\n\t\t\t\t<\/p>\n\t\t\t\t<p><input id='hiddenPath' type='hidden' name='path' value='' \/><input type='hidden' name='userDeviceId' id='userDeviceId' \/><input type='hidden' name='pageTitle' id='pageTitle' \/>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div id='formButtonRow' class='container mt-1 px-0'>\n\t\t\t\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner btn btn-dark text-uppercase py-2 px-5 small\" id=\"theSubmitButton\" type=\"submit\" value=\"Submit\" \/>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><input type=\"hidden\" name=\"post_id\" value=\"3663023\" \/><input type=\"hidden\" name=\"source\" value=\"https:\/\/www.pymnts.com\/news\/banking\/2026\/how-visa-is-rewiring-bank-infrastructure-for-the-ai-era\/\" \/><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"90\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\r\n\t<\/div>\r\n<\/div>\r\n<div id=\"article-paywall-hidden-content\">\r\n\t\n<p>Banks\u2019 legacy core systems were built to prioritize stability, accuracy and scale, and they still deliver on those goals. But as banks attempt to modernize, digitize and incorporate artificial intelligence (AI) into everyday operations, those same systems are increasingly limiting what institutions can do and how fast they can do it.<\/p>\n<p>\u201cLegacy core is an impediment to innovation,\u201d PYMNTS CEO <a href=\"https:\/\/www.linkedin.com\/in\/karenwebsterboston\">Karen Webster<\/a> noted during a recent conversation with <a href=\"https:\/\/www.linkedin.com\/in\/kathleenpiercegilmore\/\">Kathleen Pierce-Gilmore<\/a>, senior vice president and global head of issuing solutions at <a href=\"https:\/\/www.visa.com\/en-us\">Visa<\/a>, as part of the \u201cThe Edit\u201d series. What has changed, Pierce-Gilmore said, is how visible and costly that constraint has become.<\/p>\n<h2><strong>AI Turns Infrastructure Into a Business and Risk Issue<\/strong><\/h2>\n<p>Artificial intelligence (AI) has raised the stakes for infrastructure decisions. AI depends on timely, governed access to data \u2014 something with which legacy, batch-based environments struggle.<\/p>\n<p>\u201cIf you don\u2019t have well understood, well-managed, well-governed data, it\u2019s going to be really hard to use AI,\u201d Pierce-Gilmore said.<\/p>\n<p>In many banks, data is fragmented across systems, limiting real-time use. Pierce-Gilmore referred to those silos as \u201cdata prisons,\u201d where information is trapped inside infrastructure and cannot easily be mobilized for analytics, personalization or compliance.<\/p><div id=\"pymnt-450049745\" class=\"pymnt-content pymnt-entity-placement\" style=\"margin-top: 50px;\"><p style=\"text-align:center\">Advertisement: Scroll to Continue<\/p><script async type=\"text\/javascript\" id=\"dianomi_context_script\" src=\"https:\/\/www.dianomi.com\/js\/contextfeed.js\"><\/script> \r\n<div class=\"dianomi_context\" data-dianomi-context-id=\"4329\"><\/div><\/div>\n<p>That limitation affects far more than customer experience. It also shapes how banks evidence controls, monitor activity and respond to regulatory inquiries in an AI-driven environment.<\/p>\n<p>Regulatory expectations are tightening just as banks attempt to move faster. AI adds new complexity to long-standing requirements around data usage, transparency and governance.<\/p>\n<p>Pierce-Gilmore noted that regulators themselves are still working through how to oversee emerging technologies. That uncertainty makes infrastructure choices more consequential, not less. Banks must be able to explain how data flows through systems, how decisions are made and how controls are enforced, even as AI models evolve.<\/p>\n<p>The result is a compressed timeline. Banks are no longer debating whether modernization is necessary. They are deciding how to modernize without increasing risk or creating new forms of technical debt.<\/p>\n<p>\u201cI do think there is a greater sense of urgency than ever,\u201d Pierce-Gilmore said.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-3663032 aligncenter\" src=\"https:\/\/www.pymnts.com\/wp-content\/uploads\/2026\/04\/2026-03-Visual-Board-Visa3.png\" alt=\"\" width=\"620\" height=\"401\" \/><\/p>\n<h2><strong>Unlocking Data Enables Real-Time, Compliant Engagement<\/strong><\/h2>\n<p>Unlocking data embedded inside infrastructure allows banks to move from static processes to real-time engagement. When events can be consumed as they occur, banks can respond with timely alerts, personalized offers and more accurate risk management.<\/p>\n<p>Pierce-Gilmore offered a straightforward example: a cardholder pays down a balance and immediately sees available credit update, receives a relevant alert and is presented with a promotion tied to that action.<\/p>\n<p>\u201cYou can do that in a much more seamless and relevant way if you\u2019ve got the data at the time that it\u2019s happening,\u201d she said.<\/p>\n<p>Batch processing makes those experiences difficult. Real-time event streaming makes them possible, and also auditable.<\/p>\n<h2><strong>Future-Proofing Is Now a Requirement<\/strong><\/h2>\n<p>Infrastructure decisions made today must accommodate technologies and regulations that do not yet exist. Pierce-Gilmore stressed that banks can no longer modernize with a fixed end state in mind.<\/p>\n<p>\u201cWe just don\u2019t know today how data is going to be used or how additional layers of technology are going to be built out,\u201d she said.<\/p>\n<p>That uncertainty places a premium on modularity and configurability. Systems must be flexible enough to adapt as AI use cases expand and as regulators clarify expectations, without locking banks into rigid architectures that become the next generation of legacy.<\/p>\n<h2><strong>Speeding Innovation\u2019s Time to Market<\/strong><\/h2>\n<p>One of the most acute challenges banks face is time. Many institutions want to launch new products or experiences but face technology queues that stretch multiple years.<\/p>\n<p>Pierce-Gilmore described scenarios where issuers are \u201cdesperate to get a new product to market\u201d but are blocked by core system backlogs. Waiting for full modernization is often not an option.<\/p>\n<p>Visa\u2019s approach allows banks to move forward without ripping out existing infrastructure. Capabilities can be deployed on a standalone basis or layered alongside existing systems, enabling faster launches while deeper transformation continues in parallel.<\/p>\n<h2><strong>Why Pismo Matters More Than Ever<\/strong><\/h2>\n<p><a href=\"https:\/\/www.pismo.io\/\">Pismo<\/a> sits at the center of that strategy. Its real-time event streaming and flexible issuing capabilities allow banks to modernize incrementally, aligning infrastructure changes with immediate business priorities.<\/p>\n<p>Rather than forcing banks into an all-or-nothing transformation, Pismo supports targeted progress\u2014whether launching a new digital product, improving servicing or enabling real-time engagement.<\/p>\n<p>Crucially, Pismo also supports operational readiness. Real-time infrastructure only delivers value if banks can consume and act on events across servicing, risk and compliance functions.<\/p>\n<h2><strong>Visa\u2019s Modular, Ecosystem-Scale Approach<\/strong><\/h2>\n<p>Visa\u2019s infrastructure strategy reflects its scale across tens of thousands of issuers globally. Rather than selling isolated features, the focus is on modular components that can be combined to deliver measurable outcomes.<\/p>\n<p>\u201cOur clients don\u2019t want to buy features and functionality,\u201d Pierce-Gilmore said. \u201cThey want to buy outcomes.\u201d<\/p>\n<p>That approach allows Visa to act as what Pierce-Gilmore termed a force multiplier, applying lessons learned across markets and regulatory regimes to help banks modernize more efficiently and responsibly.<\/p>\n<h2><strong>A Clear Direction of Travel<\/strong><\/h2>\n<p>Legacy cores may still keep banks running, but the ability to unlock data, operate in real time and adapt to AI and regulatory change will determine which institutions can compete\u2014and which remain constrained by the systems they rely on most.<\/p>\n<p>Pierce-Gilmore weighed in confidence. \u201cI would put my whole life savings on the modernization of infrastructure,\u201d she said.<\/p>\n<p><em>PYMNTS CEO <\/em><a href=\"https:\/\/www.linkedin.com\/in\/karenwebsterboston\/\"><em>Karen Webster<\/em><\/a><em>\u00a0is one of the world\u2019s leading experts in payments innovation and the digital economy, advising multinational companies and sitting on boards of emerging AI, healthtech and real-time payments firms, including a non-executive director on the Sezzle board, a publicly traded BNPL provider. She founded PYMNTS.com in 2009, a top media platform covering innovation in payments, commerce and the digital economy. Webster is also the author of the NEXT newsletter and a co-founder of Market Platform Dynamics, specializing in driving and monetizing innovation across industries.<\/em><\/p>\n\r\n<\/div>\r\n<script>\r\n\twindow.pymntsAllowedArticleCount = 2;\r\n\twindow.pymntsPostID = 3663023;\r\n<\/script>","protected":false},"excerpt":{"rendered":"<p>Watch more: The Edit With Visa\u2019s Kathleen Pierce-Gilmore Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content \u2014 no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By completing this form, you agree to receive marketing communications from PYMNTS and to the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3664489,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[15078],"tags":[9498,4313,19817,13328,9206,133069,60852,4072,4266],"class_list":["post-3663023","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","tag-ai","tag-banking-2","tag-digital-transformation","tag-featured-news","tag-news","tag-pymnts-news","tag-pymnts-tv","tag-video","tag-visa"],"acf":{"suggested_titles":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How Visa Is Rewiring Bank 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