{"id":3693591,"date":"2026-05-01T04:00:01","date_gmt":"2026-05-01T08:00:01","guid":{"rendered":"https:\/\/www.pymnts.com\/?p=3693591"},"modified":"2026-04-30T18:55:07","modified_gmt":"2026-04-30T22:55:07","slug":"mastercard-sees-data-moving-payments-from-kyc-to-kya","status":"publish","type":"post","link":"https:\/\/www.pymnts.com\/mastercard\/2026\/mastercard-sees-data-moving-payments-from-kyc-to-kya\/","title":{"rendered":"Mastercard Sees Data Moving Payments From KYC to KYA"},"content":{"rendered":"<p><strong>Watch more:<\/strong> <a href=\"https:\/\/tv.pymnts.com\/detail\/video\/6393308789112\" target=\"_blank\" rel=\"noopener\">What\u2019s Next in Payments With Mastercard\u2019s Kaushik Gopal<\/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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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=\"3693591\" \/><input type=\"hidden\" name=\"source\" value=\"https:\/\/www.pymnts.com\/mastercard\/2026\/mastercard-sees-data-moving-payments-from-kyc-to-kya\/\" \/><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=\"30\"\/><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>Both risk and opportunity across the payments industry are being increasingly defined by what happens in a millisecond\u2014and what doesn\u2019t.<\/p>\n<p>\u201cWhat AI (artificial intelligence) has done is enable us, in that real time, in that moment, to process multiple input signals and create a composite view of whatever decision we\u2019re making,\u201d <a href=\"https:\/\/www.linkedin.com\/in\/kaushikgopal\">Kaushik Gopal<\/a>, executive vice president, insights and intelligence at <a href=\"https:\/\/www.mastercard.com\/\">Mastercard<\/a>, told\u00a0PYMNTS\u00a0during a discussion for the April edition of the \u201c<a href=\"https:\/\/www.pymnts.com\/series\/whats-next-in-payments\/\">What\u2019s Next in Payments<\/a>\u201d series, \u201cThe Data Game.\u201d<\/p>\n<p>\u201cData isn\u2019t a game,\u201d Gopal said. \u201cIt\u2019s foundational to our entire business.\u201d<\/p>\n<p>For a network like Mastercard handling billions of transactions, even marginal improvements in fraud detection, conversion or customer experience can translate into outsized impact. But those gains depend on data being both usable and responsibly governed.<\/p>\n<p>Gopal described a \u201cflywheel\u201d model in which transactions generate data, data produces insights, and insights feed back into better decisions across the ecosystem. The catch is that this loop only works if participants believe in it.<\/p><div id=\"pymnt-3727697954\" 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>\u201cIt\u2019s all centered around one word, and that\u2019s trust,\u201d Gopal said. \u201cMaking sure that people in the ecosystem \u2014 consumers, merchants included \u2014 understand that we manage data based on principles of trust, privacy and transparency.\u201d<\/p>\n<h2><strong>Why Payments Success Hinges on Speed, Signals and Trust<\/strong><\/h2>\n<p>If trust is the foundation for data to have its greatest effect, artificial intelligence (AI) is becoming the engine. The shift in terms of real-world impact is less about novelty than it is about velocity.<\/p>\n<p>\u201cAI didn\u2019t just arrive overnight\u2014we\u2019ve been using it for years,\u201d Gopal said. \u201cIt\u2019s a computational tool that allows us to accelerate the outcomes of converting data into useful and actionable insights.\u201d<\/p>\n<p>For example, while early fraud systems relied on static rules like thresholds that triggered approvals or declines, today, Mastercard processes multiple signals simultaneously, from behavioral patterns to geolocation, in real time. The decision window has shrunk to milliseconds.<\/p>\n<p>This evolution from rules-based systems to time-series models, graph analytics and now AI has transformed the economics of decision-making. It\u2019s no longer just about accuracy; it\u2019s about balancing risk with experience. A false decline can be as costly as fraud itself, especially in eCommerce environments where friction leads to abandonment.<\/p>\n<p>\u201cEvery interaction and transaction has to be viewed in its own context,\u201d Gopal said, adding that this context spans three temporal layers: before, during and after the transaction.<\/p>\n<p>What was once simple, like flagging a jewelry purchase in Thailand for a customer who never traveled, is now far more complex. Cross-border eCommerce has blurred geographic signals, requiring systems to interpret a richer set of variables, from IP addresses to merchant location and transaction currency.<\/p>\n<p>In response, identity verification, behavioral analysis and post-event feedback loops (such as chargebacks) now can all contribute to a continuously evolving risk profile evaluated not in isolation but as part of a broader behavioral narrative.<\/p>\n<p>\u201cIt creates a virtuous cycle in terms of how we manage fraud risk in the AI age,\u201d Gopal said. \u201cConverting data into insights gives us the intelligence to get ahead of bad actors.\u201d<\/p>\n<h2><strong>Winning With Data Over the Next Phase <\/strong><\/h2>\n<p>While fraud prevention remains the most immediate use case of data application, Gopal also sees broader implications for customer experience. Data, in this view, becomes integral not just for dashboards or reports, but to power interactive, adaptive intelligence.<\/p>\n<p>Instead of requiring expertise in analytics platforms, users ranging from bank executives to retail operators may increasingly rely on AI-driven interfaces that interpret data and recommend actions.<\/p>\n<p>\u201cThe way our customers interact with our tools is going to fundamentally shift,\u201d Gopal said. \u201cYou go from self-discovery to chat-assisted discovery to agentic support.\u201d<\/p>\n<p>Another consequential application of data that\u2019s gaining momentum today lies in credit underwriting, particularly for \u201cthin file\u201d consumers and small businesses that lack traditional credit histories.<\/p>\n<p>\u201cThe more data sets that you have and the better modeling techniques, the more you can start to support the areas that are underserved,\u201d Gopal said.<\/p>\n<p>By combining payment data, cash flow signals and open finance inputs, Mastercard aims to provide a more holistic view of financial health. The same capabilities that detect fraud such as pattern recognition, real-time analysis and multi-signal modeling can increasingly be leveraged to expand access to capital.<\/p>\n<h2><strong>Enter the Agentic Economy<\/strong><\/h2>\n<p>For payments networks, the emerging phase of agentic commerce and payments may mean rethinking everything from authentication protocols to fraud models, as transactions are no longer initiated directly by humans but by autonomous software acting on their behalf. The agentic era could also open new opportunities in areas like automated discovery, where agents negotiate offers on behalf of users in real time.<\/p>\n<p>\u201cYou were identifying a consumer. Now you\u2019re identifying an agent. New fields and new data elements are going to emerge in the transaction that didn\u2019t exist before,\u201d Gopal said.<\/p>\n<p>This shift is already introducing new layers of complexity and new definitions of trust as identity extends to include digital agents, requiring a transition from know your customer (KYC) to what Gopal called \u201c<a href=\"https:\/\/www.pymnts.com\/digital-identity\/2026\/introducing-the-know-your-agent-framework-for-the-age-of-agentic-commerce\/\">know your agent<\/a>\u201d (KYA).<\/p>\n<p>As AI capabilities accelerate, the question for enterprises is not whether to adopt them, but how. Mastercard\u2019s own advisory work with clients reveals a recurring challenge: prioritization. Attempting to do everything at once can often lead to failure. Instead, companies can work to better align data strategy, infrastructure and use cases with clear business objectives.<\/p>\n<p>\u201cEnsuring that you know what outcomes you want is really, really key,\u201d Gopal said. \u201cAnd having an execution partner to help you get you there is equally important.\u201d<\/p>\n<p>Equally important is discipline. \u201cAI is only as good as the data that you have and how structured that data is,\u201d he said, stressing that testing environments, sandboxing and incremental deployment remain essential even as competitive pressure pushes organizations to move faster.<\/p>\n<p>Ultimately, the future of payments may hinge less on any single technology than on the interplay between trust, data and intelligence. Mastercard\u2019s bet is that these elements will reinforce one another: Data fuels insight, insight improves outcomes and better outcomes strengthen trust.<\/p>\n\r\n<\/div>\r\n<script>\r\n\twindow.pymntsAllowedArticleCount = 2;\r\n\twindow.pymntsPostID = 3693591;\r\n<\/script>","protected":false},"excerpt":{"rendered":"<p>Watch more: What\u2019s Next in Payments With Mastercard\u2019s Kaushik Gopal 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. 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