Changed Risks for VISA INC (V)

Here are risks that changed year over year. risks from the recent filings of VISA INC. Our algorithms work hard to highlight risks unique to this company.

Note 8—Settlement Guarantee Management

Merchants’ and processors’ continued push to lower acceptance costs and challenge industry practices could harm our business

We depend on relationships with financial institutions, acquirers, processors, merchants, and other third parties

Note 2—US and Europe Retrospective Responsibility Plans

A disruption, failure or breach of our networks or systems, including as a result of cyber-attacks, could harm our business

Note 16—Income Taxes

Our business could be harmed if we are not able to maintain and enhance our brand, if events occur that have the potential to damage our brand or reputation, or if we experience brand disintermediation

Failure to anticipate, adapt to or keep pace with new technologies in the payments industry could harm our business and impact future growth

Increased regulation of the global payments industry, including with respect to interchange reimbursement fees, operating rules, risk management protocols and other related practices, could harm our business

Government-imposed restrictions on international payment systems may prevent us from competing against providers in certain countries, including significant markets such as China, India and Russia