David Capezza leads risk for Visa Europe, overseeing payments security and resilience across the region. That means tracking fraud trends, the tactics criminals use, and the technologies Visa deploys to stay ahead. In this conversation, he gets into what 900 million daily transactions actually teaches you about detecting fraud in real time, why AI-powered deepfakes are already making it hard for customers to tell what’s real, and how “smart friction” keeps consumer trust intact without killing the payment experience.
But the thing he keeps coming back to is platforming. Banks and payment providers that aren’t building the right infrastructure today won’t be ready for agentic payments tomorrow. He’ll be on stage at Baltic Fintech Days in Riga this May with more on that, including a few surprises.
