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Visa Inc.
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== Business Model == As Visa is primarily a technological company, providing the world’s largest electronic payments network, their business model is now only heavily reliant on their cloud infrastructure to maintain their users as well as its ability to scale as they increase their payload. Visa generates income through the fees it charges financial institutions and merchants for accessing its network, as well as the fees it charges consumers who use Visa-branded cards. Due to Visa’s immense success over the past 60 years they no longer need to focus on advertisement to promote their product as long as they continue to provide the most successful form of electronic payments network across the world. As Visa already holds the vast majority of the market share in their sector (over 50%), they no longer need to focus on expansion as their network can be scaled according to how their users grow. Considering their client-base consists of most commerce worldwide (an ever growing sector), their product appears essential for the foreseeable future. As stated earlier, Visa’s primary strategy is to accelerate revenue growth in consumer payments, new flows and value added services, and fortify the key foundations of our business model: the core electronic payments processing network. Their network consists of 250 million lines of custom built code and operates at a 99.9999% or above availability. It facilitates payments in over 200 countries and territories and has a network covering over 2000 sites and 5800 circuits. The network is built to process up to 76 thousand transactions per second and millions in a day. To ensure safety and constant accessibility, nearly all Visa transactions worldwide are processed through the company's directly operated VisaNet at one of four secure data centres, located in Ashburn, Virginia; Highlands Ranch, Colorado; London, England; and Singapore. These facilities are heavily secured against natural disasters, crime, and terrorism; can operate independently of each other and from external utilities if necessary; and can handle up to 30,000 simultaneous transactions and up to 100 billion computations every second. Their current products consist of six Visa Credit Cards, the standard Visa Debit Card, Visa Electron, Visa Cash (A Visa-branded stored-value card), Visa Contactless, mVisa and Visa Checkout; all Visa payment methods utilise their electronic network. Visa now also provides various consulting/analytics services as well as automation and tools for smaller businesses. Although Visa makes a majority of its income through services as a middleman between financial institutions and merchants, it also creates additional value through other sources. The corporation generates income through interest and investments, foreign exchange, and other streams; Visa’s net income through all of its various sources totalled $14.9b in 2022 and $12.3b in 2021. Visa’s principal clients are individual and commercial clients, financial institutions such as banks and credit unions, government entities, and merchants.
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