Visa
Benefits of Our Transformation
A strategic partnership with Visa
About Visa
Visa is a global leader in payments, serving consumers, banks, and businesses in over 200 countries. As digital payments accelerated worldwide, Visa recognised the need to harness the full potential of its vast transactional data to drive innovation, customer engagement, and growth. The company aimed to move beyond processing payments toward becoming a true data-driven business — one that could turn insights into opportunities for merchants, partners, and consumers alike.
Results That
Matter
£335B
Transaction Growth
68M Cards
Data Insights Scale
200+ Countries
Global Reach
Spendographics
Market Segmentation
The Opportunity
In a rapidly changing financial landscape, Visa sought to transform its extensive data assets into actionable intelligence that could benefit the entire payments ecosystem. The opportunity lay in developing new data-driven products that could generate commercial value, provide banks and retailers with deeper consumer insights, and strengthen Visa’s market leadership. To succeed, the company needed a strategic framework for data commercialisation and an analytics-led culture capable of turning information into innovation.
Solutions Delivered
Beyond partnered with Visa to develop and implement a data-driven growth strategy that turned insight into tangible commercial performance.
- Data Strategy Development: Co-created a comprehensive data strategy identifying the most valuable opportunities for leveraging Visa’s data at scale, laying the groundwork for future data-driven products.
Developing Data Products: Collaboratively launched new analytics-based products such as Spendographics™, which segmented the UK consumer market by real-world spending behaviour. This gave businesses granular visibility into purchase patterns and loyalty drivers.
Visa Offers Programme: Helped design and deploy the Visa Offers platform, which used behavioural insights to deliver personalised, real-time rewards to consumers — increasing digital card usage and deepening customer loyalty.
Merchant Data Products: Built merchant-focused solutions that provided retailers with detailed insights into consumer purchasing trends, helping them optimise marketing, pricing, and operations.
Results & Impact
Visa’s data-driven initiatives delivered significant financial and strategic results:
- £335 billion in processed transactions, demonstrating the scale and economic impact of its enhanced data strategy.
- Insights drawn from 68 million credit and debit cards and 7.2 billion transactions, representing one of the world’s most comprehensive consumer datasets.
- Retailers such as Waitrose achieved a 5% uplift in sales at key locations through strategic use of Visa’s behavioural data.
The collaboration positioned Visa as a leader in data-driven payments innovation, creating new revenue streams and reinforcing its value proposition to banks, merchants, and consumers.
Lesson Learned
Visa’s journey illustrates how strategic use of data can redefine an entire industry.
- Strategic Data Use Drives Growth: Turning transactional data into commercial insight generates lasting competitive advantage.
- Customer-Centric Innovation: Personalised engagement based on real behaviour builds stronger loyalty and trust.
- Collaboration Accelerates Impact: By working with Beyond and ecosystem partners, Visa demonstrated how collective innovation can shape the future of payments.
Ultimately, Visa proved that with the right data strategy, insight can be as powerful a currency as money itself - driving not only business growth but also a smarter, more connected payments ecosystem.
We joined forces with Beyond because of their proven track record to deliver growth driving customer intelligence across the retail and banking sectors. Together we offer the retail community powerful insight, which is based on actual rather than claimed behavior.
Mariano Dima, Marketing Director, Visa
