GPNGlobal Payments Inc.

“what we're seeing right now is predominantly related to existing products that we have in the market where we've been able to enrich their capabilities and enhance their effectiveness by virtue of applying obviously, more AI capabilities around them. So products such as 3DS Flex, revenue boost, dynamic routing, fraud side are already leveraging AI capabilities that are allowing us, again, I think, to drive differentiation and their effectiveness in the market, which is allowing us to win more cross-sells with those value-added services, particularly within our enterprise base.”

“We are protocol agnostic and prioritized advocating on behalf of our clients. In fact, we are currently activating several enterprise merchants into Google's UCP protocol so that they can be among the first to provide a genetic shopping experiences for their customers. We are simultaneously creating end-to-end modular flows with multiple players across the ecosystem, including commerce platforms, checkout partners and middleware developers, to ensure that we can support our clients across any configuration as protocols and use cases evolve.”

“Internally, we are also deploying AI to accelerate engineering, DevOps and quality assurance. Through our proprietary Fast Track studio platform, we are standardizing the path from experimentation to production ensuring security, observability, compliance and repeatability. We're also using agents as first-time responders for common tasks, freeing our teams to focus on higher-value initiatives.”

“We are building scalable AI capabilities that generate measurable, repeatable impact across authorizations, fraud mitigation and revenue optimization. Products such as 3D Flex revenue boost, dynamic routing and fraud side are already delivering tangible results, improving approval rates, reducing from losses and lowering false declines often with no incremental integration required.”

“we launched a first-to-market enhancement to our PayByLink Plus solution in February that enables our clients to run sales campaigns across social media platforms directly from our merchant dashboard and supported by an AI content generation tool.”

“our own payments model context protocol is live and production ready. It enables in agent-driven commerce flows with minimal incremental development effort.”

“we're really focused across 3 primary sort of vectors for AI. The first is Agentic commerce, and I provided a lot of commentary in my prepared remarks around our positioning there and how we see the market trending, quite frankly, in a way that aligns completely well with our strategy and approach. And we feel very good about how we're positioned, again, to continue to help shape that evolving sort of channel of commerce for the future. The second is embedding AI capabilities more broadly into our products and solutions. We called out a number of areas where we're already embedding AI capabilities to improve the feature richness of the products and solutions we bring to market. Genius is obviously a great example of that. And I don't want to get ahead of myself, but we have some exciting announcements that we'll be making in the context of the NRA coming up here in the next couple of weeks that certainly, I think, fit very nicely in the category of sort of how we can better leverage AI to enhance the capabilities around Genius and help grow and scale Genius more effectively going forward. And then the last area of AI, of course, is around productivity improvements that we see in the business.”

“we have kind of a very unique position around this given the merger and integration with Worldpay as we're building out the new organization going forward, if we're aligning all of our functional areas, across the 2 business, and we're building new workflows and processes for the combined business. Obviously, we're building them in a way that we believe we can integrate AI to enable those workflows, those processes, the delivery of services to the business in a much more efficient and effective way. And I think that is a unique opportunity. In many ways, it comes out of the integration process is the ability to redesign process workflow with an AI-centric mindset.”

“our work in Agentic Commerce and artificial intelligence continues to accelerate and recent developments across the AI ecosystem reinforced the critical role we play at the center of the next evolution in commerce. Open AI shift in focus towards AI-driven product discovery and traffic generation while intentionally leaving checkout, payments, risk and settlement with us plays directly to our strengths and strategy. It elevates the importance of our trusted scalable payments infrastructure and positions Global Payments as a central connected tissue between agents, merchants, networks and consumers.”

“Our scale provides a clear advantage. We process trillions of dollars in payment volume and billions of transactions each year across geographies, channels and verticals. This depth and breadth of data creates a uniquely rich training environment, allowing our AI models to learn faster, generalize better and deliver superior outcomes, all while maintaining the highest standards for privacy, security and regulatory compliance.”

“on the pure agent commerce side, it's very nascent, right? Most of what you're seeing right now is AI-generated discovery with human in the loop transactions, which really rely on traditional kind of payment rails, checkout processes, et cetera to effectuate what is Agentic commerce today. At the same time, we're obviously building all the connected tissue that would allow for fully agentic commerce to move forward at scale.”

“we've created our own proprietary fast track studio platform. And effectively, that allows us to massively accelerate product from experimentation to production. So it improves not only kind of the speed to market for new product and capability. It also includes the overall product velocity and our ability to obviously innovate at a much quicker pace going forward”

“Ravlin as a fraud-related solution that can power a number of our products and capabilities. that I think, again, allows us to competitively differentiate in the market around our ability to manage fraud, particularly in an Agentic world. And we're excited about the things that we're going to be able to do on that front and the progress that we're making.”

“Through Ravel in, our AI native fraud prevention platform, we are advancing a genetic risk capabilities that leverage enriched ecosystem signals based on our scale and diversity of data. These capabilities help ensure that an agent-driven commerce scale, it does so securely and with the trust at its core for both merchants and customers.”

“the increasing application of AI across our business to create new sources of revenue growth, accelerate product velocity and innovation and improved productivity across the enterprise.”