Mastercard Highlights AI-Driven Services and Security Growth
Mastercard executives detailed the expansion of its value-added services business at a recent industry conference, highlighting artificial intelligence integration, security tools, and early-stage agentic commerce initiatives.
At the KBW Fintech Ecosystem Conference on Tuesday, November 10, 2026, Mastercard executives presented the company's value-added services and solutions segment as a core growth engine. According to conference remarks reported by Investing.com, the services division accounts for 40% of company revenue, generates 85% of its sales from repeatable and recurring activity, and is expanding in the high teens.
Linda Kirkpatrick, head of Value-Added Services and Solutions at Mastercard, explained that roughly 60% of services revenue connects directly to core payment network transactions. This structure creates a feedback loop where transaction data yields analytical insights that help secure additional client business. Management cited customer examples including Pinnacle Bank, which utilized Mastercard services following its combination with Synovus, Scotiabank's service expansion into Chile, Uruguay, and Mexico, and Yap? Kredi transferring business to Mastercard.
Artificial intelligence is increasingly integrated into these offerings. More than one-third of Mastercard's services capabilities already embed AI, and revenue from AI-enabled services is outpacing services without AI. Executives reported that almost all of the company's developers utilize AI tools. In security, Mastercard stated that its Decision Intelligence Pro service improved fraud detection by 300% after adding AI capabilities, helping support value-based pricing. Security capabilities have also expanded through acquisitions like threat-intelligence firm Recorded Future.
Looking further ahead, Mastercard is establishing products for agentic commerce, where software agents search and transact on behalf of users. Current tools include Agent Pay for tokenized credentials, Agent Connect for merchant discovery, the Agent Trust Indicator for assessing transaction risk, and Agent Suite. Kirkpatrick noted that while agentic commerce represents a future growth accelerator, the commercial opportunity remains small and will depend heavily on business and consumer trust.
The services update follows third-quarter results where value-added services and solutions revenue climbed 19% to $4.06 billion, outperforming the core payment network's 11% increase. Total company net revenue for the third quarter rose 14% to $9.81 billion, while adjusted earnings per share reached $5.31. However, Mastercard also saw payment-network rebates and incentives jump 18% to $6.37 billion during the period, reflecting higher expenses to retain and win card issuer relationships.