Visa has just unveiled a new suite of artificial intelligence tools designed to overhaul how credit card disputes are handled, and once again this is being presented as a simple evolution toward efficiency and improved customer experience, yet when you step back and examine the scale of what is unfolding, this is clearly part of a much broader structural shift within the financial system toward centralization and automation.
The numbers alone should make that obvious, with Visa processing over 106 million disputes globally in 2025, representing a 35% increase since 2019, and that type of exponential growth is not something that can be…
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