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      "text": "1. Technology matters in payments - trust and ubiquity are the foundation, enabled by security, speed, reliability and scale\n2. Visa leads in these technologies - they are embedded in VisaNet and our Network of Networks, forming the foundation of the Visa Payments Stack\n3. Our Visa Developer Platform is the platform of choice for banks and tech providers; accelerating their businesses and expanding our ecosystem in a virtuous cycle\n4. Our products and services are built and distributed on our platform, Visa-as-a-Service, which increases differentiation and engagement with our clients\n5. Investments in product development, AI and GenAI help us differentiate our business and prepare for future trends, like agentic commerce",
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