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SAN FRANCISCO--( / )--Visa Inc. (NYSE: V) today announced VisaNet +AI, a suite of AI-powered services that address long-standing challenges and pain points for banks, merchants and consumers?including delays and confusion with managing account balances and the unpredictability of daily settlement for financial institutions. VisaNet +AI comprises several innovative concepts and new value-added services, including Visa Smarter Posting and Visa Smarter Settlement Forecast, as well as Visa Smarter Stand-In Processing (Smarter STIP), a capability announced in August of last year. These innovations harness Visa’s high-performance AI platform to help make payments more predictable, transparent, and speedy.

“Our clients, partners and cardholders look to us for actionable data-driven insights to better manage their businesses and financial lives, especially during these unprecedented times. Today we’re announcing a set of services that use AI to make it easier for consumers to manage their accounts, and for financial institutions to manage their business,” said Jack Forestell, executive vice president and chief product officer, Visa. “With our investment in AI infrastructure, we’re unlocking novel, real-time solutions to complex problems. This is just the beginning of what we can do with the predictive power of AI.”

Smarter Posting helps provide greater transparency for consumers

Today’s digital-native consumers expect real-time visibility into their finances as they increasingly conduct banking on mobile and online platforms. However, the payment experience for consumers can be inconsistent, with some purchases taking longer to finalize on their balance than others. This lag can create confusion or concern for cardholders, resulting in increased call center volume or potential overdrafts.

This delay occurs because the amount authorized in real-time at the checkout counter can differ from the amount eventually cleared from a consumer’s account. For example, the final amount can change when a restaurant-goer adds a tip at a restaurant, or when a cross-border payment happens involving multiple currencies. To prevent consumer confusion from seeing multiple charges for a single transaction, banks often delay posting the payment or updating the account balance until they have certainty about the final amount.

To help issuers create a better banking experience for cardholders, Visa developed Smarter Posting, a service that uses AI to deliver a customized score for each transaction as part of the authorization process. The Smarter Posting model analyzes transaction details and historical data to predict the likelihood that a transaction amount will remain consistent through clearing. In testing, the model has achieved 98% accuracy[1] in predicting whether the transaction amount will likely remain stable, giving financial institutions added intelligence to provide a more consistent end-to-end payment experience, for example, by provisionally updating the account balance that a cardholder sees.

Visa Smarter Posting will be initially available in Europe in April 2021 and is slated to expand globally in the near future.

Smarter Settlement Forecast uses predictive modeling to anticipate cash flow needs

Every day during the settlement process, Visa enables the movement of billions of dollars across thousands of institutions in more than 200 countries and territories and 160 currencies. It’s the final step in the payment cycle, where transactions are aggregated, transfers are facilitated between acquirers and issuers, and merchant accounts are credited for the sales they’ve made.

This process requires financial institutions to strategically allocate resources?so that there is enough liquidity to meet the day’s settlement volume, without over-allocating resources that could be leveraged elsewhere in their business. Today’s volatile environment has underscored the challenge treasury teams face in predicting daily volumes and making strategic decisions.

Visa created Smarter Settlement Forecast to provide clients with customized 7-day forecasts of the settlement amount they may need on hand each day. The service uses information generated by historical settlement volumes, seasonal indicators, macro-trends, outlier events, such as those surrounding COVID-19, and real-time transaction data to provide high quality predictions of cash outflows and inflows. These forecasts can help issuers and acquirers optimize treasury and liquidity management processes, and assist financial institutions settling in multiple currencies with predictions for each currency.

Smarter Settlement Forecast is slated to be made available to eligible clients through a subscription in the Visa Analytics Platform, thereby simplifying integration for clients. Visa is currently piloting the service with three clients ahead of its formal launch planned for later this year.

Smarter STIP can improve payment experiences during outages

Visa Smarter Stand-In Processing (Smarter STIP), the first of the VisaNet +AI capabilities announced in August 2020, has gained traction among leading financial institutions globally. Smarter STIP uses deep learning to help financial institutions increase transaction authorizations during outages. Smarter STIP generates an informed decision to approve or decline transactions on behalf of issuers to provide consumers with a frictionless Visa payment experience.

Since its release, Smarter STIP has seen strong issuer interest across every Visa region. In just two months, clients around the world have added Smarter STIP to their suite of Visa solutions, including Caixa Economica Federal, and Doha Bank.

“In Visa we have a partner that is driving new innovations in AI for payments,” said Mr. Braik Ali H S Al - Marri, Chief Retail Banking Officer, Doha Bank, Qatar. “With VisaNet +AI we can harness those innovations and drive new value for our business and customers.”

About Visa Inc.

Visa Inc. (NYSE: V) is the world’s leader in digital payments. Our mission is to connect the world through the most innovative, reliable and secure payment network - enabling individuals, businesses and economies to thrive. Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and is capable of handling more than 65,000 transaction messages a second. The company’s relentless focus on innovation is a catalyst for the rapid growth of digital commerce on any device for everyone, everywhere. As the world moves from analog to digital, Visa is applying our brand, products, people, network and scale to reshape the future of commerce. For more information, visit About Visa, visa.com/blog and @VisaNews.

[1] Visa data based on analysis comparing the model prediction of when authorization and clearing amounts will remain consistent. Analysis conducted on historical transaction data (August - September 2020) for 150 million transactions.

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PARIS LA DEFENSE--( / )--Reference is made to the joint press 누에그라 일반인누드 release by Thales (Euronext Paris: HO) and Gemalto (Euronext Amsterdam and Paris: GTO) dated 16 April 2019 on 회암동홀덤펍 온라인황금성 the results of the Post-Closing Acceptance Period in relation to the recommended 회암동홀덤펍 스타킹자위 all-cash offer by Thales for all the issued and outstanding shares of Gemalto (the Offer).

Thales and Gemalto jointly announce today 회암동홀덤펍 베드신 that, at their request, Euronext has confirmed that the ordinary shares in the capital of Gemalto will be delisted from Euronext Amsterdam and 누에그라 Euronext Paris effective on 29 May 2019.

The 회암동홀덤펍 last day that Gemalto shares 붉은고추 The회암동홀덤펍 야구토토매치결과 be 누에그라 야구토토사이트 traded on Euronext will 회암동홀덤펍 therefore be 28 May 2019.

Thales will commence as soon as possible (i) a 누에그라 온라인배팅 compulsory acquisition procedure 누에그라 (uitkoopprocedure) in accordance with article 회암동홀덤펍 온라인스포츠배팅 2:92a or 2:201a of the DCC to buy 누에그라 와이즈배팅 out the Shareholders who have not tendered their Shares, and/or (ii) a takeover buy-out procedure in accordance with article 2:359c of the DCC to acquire the remaining Shares not held by Thales or Gemalto.

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Gemalto’s solutions are at the heart of 회암동홀덤펍 여관바리여관바리 modern life, from payment to enterprise security and the internet of things. Gemalto’s technologies and services authenticate people, transactions and 회암동홀덤펍 objects, encrypt data and create 누에그라 토렌트이슈 value 회암동홀덤펍 유토파일 for software - enabling businesses and governments to deliver secure digital services for billions of individuals and things.

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The people we all rely on to make the world go round - they rely on Thales. Our customers come to us with big 회암동홀덤펍 축구중계일정 ambitions: to make life better, to keep us safer. Combining a unique diversity of expertise, talents and cultures, our architects design and deliver extraordinary high 누에그라 축구토토매치배당 technology solutions. Solutions that make tomorrow possible, today. From the bottom of the oceans to the depth 누에그라 영화재생버튼 of space and cyberspace, we help our customers think smarter and act faster - mastering ever greater complexity and every decisive moment along the way. 회암동홀덤펍 AQSTREAM With 80,000 employees in 68 countries, Thales reported sales of €19 billion in 2018.

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Notice to U.S. holders of 누에그라 토토픽 회암동홀덤펍 토토픽 Gemalto Shares 회암동홀덤펍 토토핸디캡

The Offer is made for the securities of 누에그라 고추맛집 Gemalto, a public limited liability company incorporated under Dutch Law, and is subject to Dutch disclosure and procedural 조추첨 Thewhich are different from those of the United States of America. The Offer 회암동홀덤펍 아이엠토렌트 is made in the United States of America in compliance with Section 14(e) of the U.S. Securities Exchange Act of 1934, as amended (the “U.S. Exchange Act”), and the applicable rules and regulations promulgated thereunder, including Regulation 14E (subject to any exemptions or relief therefrom, if applicable) and otherwise in accordance with the requirements of Dutch law. Accordingly, the Offer is subject 회암동홀덤펍 토토해외배당 to disclosure 회암동홀덤펍 오피쓰 and other procedural requirements, including with respect to the Offer timetable, settlement procedures, withdrawal, waiver of conditions and timing of payments that 누에그라 여탑 are different from those applicable under U.S. domestic tender offer procedures and laws.

The receipt of 누에그라 프로농구전자랜드 cash pursuant to the 회암동홀덤펍 유흥조타 Offer by a U.S. holder of Gemalto Shares may be a taxable transaction for U.S. federal income tax purposes 회암동홀덤펍 고배당놀이터추천 and under applicable state and 누에그라 맥심벳 local, as well as foreign and 회암동홀덤펍 러브식스 other tax laws. Each holder of Gemalto shares is urged to consult his independent professional advisor immediately regarding the tax consequences of accepting the Offer.

To the extent permissible under applicable laws and regulations, including Rule 14e-5 under the U.S. Exchange Act, and in accordance with normal Dutch practice, Thales and its affiliates or its broker and its broker’s affiliates (acting as agents 회암동홀덤펍 우리카지노 검찰수사 or on behalf of 회암동홀덤펍 슈퍼맨TV Thales or its affiliates, as applicable) may from time to time after the date of the joint press release by Thales and Gemalto dated 17 December 2017, 누에그라 네네티비 and other than pursuant to the Offer, directly or indirectly purchase, or arrange to purchase Shares or any securities that are convertible into, exchangeable 누에그라 카지노인벤 for or exercisable for such Shares. These purchases may occur either in the open market at prevailing prices or in private transactions at negotiated prices. In no event will any such purchases be made for a price per Share that is greater than the Offer Price. To the extent information about such purchases or arrangements to purchase is made public in The Netherlands, such information will be disclosed by means of a press release or other means reasonably calculated to inform U.S. shareholders of Gemalto of such information. No purchases will be made outside of the Offer in the United States of America by or on behalf of the Thales or its affiliates. In addition, the financial advisors to Thales may also engage in ordinary course trading activities in securities of Gemalto, which may include purchases or arrangements to purchase such securities. To the extent required in The Netherlands, any information about such purchases will be announced by press release in accordance with Section 5 paragraph 4 or Section 13 of the Dutch decree on public takeover bids (Besluit openbare biedingen Wft) and posted on the website of Thales at

Restrictions 누에그라 황금성온라인 회암동홀덤펍 황금성온라인

The distribution 누에그라 of this press release may, in some countries, be restricted by law or regulation. Accordingly, persons who come into possession of this document should inform themselves 회암동홀덤펍 이서이 of and observe these restrictions. To the fullest extent permitted by applicable law, Thales and Gemalto disclaim any responsibility or liability for the violation of any such restrictions by any person. Any failure to comply with these restrictions may constitute a violation of the securities laws of that jurisdiction. Neither Thales, nor Gemalto, nor any of their advisors assumes any responsibility for any violation by any of these restrictions. Any Gemalto 회암동홀덤펍 shareholder who is in any doubt as to his position should consult an appropriate professional advisor without delay.

농구스페셜 Forward누에그라 메달치기 Looking 회암동홀덤펍 무료꽁짜릴게임 Statements 누에그라 무료야마토

This press release may include “forward-looking statements” 누에그라 박다현 and language indicating trends, such as the words “anticipate”, “expect”, “approximate”, “believe”, “could”, “should”, “will”, “intend”, “may”, “potential” and other similar expressions. These forward-looking statements are only based upon currently available information and speak only as of the date of this press release. Such forward-looking statements are based upon management’s current expectations and are subject to a significant business, economic and competitive risks, uncertainties and contingencies, many of which are unknown and many of which Thales and Gemalto are unable to predict or control. Such factors may cause Thales and/or Gemalto's actual results, performance or 회암동홀덤펍 야마토2통기계 plans with respect to the transaction between Thales and Gemalto to differ materially from any future results, performance or plans expressed or implied by such forward-looking statements. Neither Thales nor Gemalto, nor any of their advisors accepts any responsibility for any financial information contained in this press release relating to the business 19Red Thisoperations or results or financial condition of the other or their respective groups. We expressly disclaim any obligation or 누에그라 연타잭팟 undertaking to disseminate any updates or revisions to any forward-looking statements contained herein to reflect any change in the expectations with regard thereto or any change in events, conditions or circumstances on which any such statement is based.

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