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Visa’s President of Technology, Rajat Taneja, pulls back the curtain on the $3.3 billion AI transformation powering one of the world’s most trusted financial networks.

In this episode, Taneja shares how Visa—a company processing over $16 trillion annually across 300 billion real-time transactions—is leveraging AI not just to stop fraud, but to redefine the future of commerce.

From deep neural networks trained on decades of transaction data to generative AI tools powering next-gen agentic systems, Visa has quietly been an AI-first company since the 1990s. Now, with 500+ petabytes of data and 2,900 open APIs, it’s preparing for a future where agents, biometrics, and behavioral signals shape every interaction.

Taneja also reveals how Visa’s models can mimic bank decisions in milliseconds, stop enumeration attacks, and even detect fraud based on how you type. This is AI at global scale—with zero room for error.

What You’ll Learn in This Episode:

• How Visa’s $3.3B data platform powers 24/7 AI-driven decisioning

• The fraud models behind stopping $40 billion in criminal transactions

• What “agentic commerce” means—and why Visa is betting big on it

• How Visa uses behavioral biometrics to detect account takeovers

• Why Visa rebuilt its infrastructure for the AI era—10 years ahead of the curve

• The role of generative AI, biometric identity, and APIs in the next wave of payments

The future of commerce isn’t just cashless—it’s intelligent, autonomous, and trust-driven.

If you’re curious about how AI is redefining payments, security, and digital identity at massive scale, this episode is essential viewing.

Subscribe for more deep dives into the future of AI, commerce, and innovation.

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(00:00) Introduction

(02:57) Meet Rajat Taneja, Visa’s President of Technology

(04:02) Scaling AI for 300 Billion Transactions Annually

(05:27) The Models Behind Visa’s Fraud Detection

(08:02) Visa’s In-House AI Models vs Open-Source Tools

(10:54) Inside Visa’s $3.3B AI Data Platform

(12:29) Visa’s Role in E-Commerce Innovation

(16:24) Biometrics, Identity & Tokenization at Visa

(21:14) Visa’s Vision for AI-Driven Commerce

This episode is sponsored by the DFINITY Foundation.

DFINITY Foundation's mission is to develop and contribute technology that enables the Internet Computer (ICP) blockchain and its ecosystem, aiming to shift cloud computing into a fully decentralized state.

Find out more at https://internetcomputer.org/

In this episode of Eye on AI, Yoav Shoham, co-founder of AI21 Labs, shares his insights on the evolution of AI, touching on key advancements such as Jamba and Maestro. From the early days of his career to the latest developments in AI systems, Yoav offers a comprehensive look into the future of artificial intelligence.

Yoav opens up about his journey in AI, beginning with his academic roots in game theory and logic, followed by his entrepreneurial ventures that led to the creation of AI21 Labs. He explains the founding of AI21 Labs and the company's mission to combine traditional AI approaches with modern deep learning methods, leading to innovations like Jamba—a highly efficient hybrid AI model that’s disrupting the traditional transformer architecture.

He also introduces Maestro, AI21’s orchestrator that works with multiple large language models (LLMs) and AI tools to create more reliable, predictable, and efficient systems for enterprises. Yoav discusses how Maestro is tackling real-world challenges in enterprise AI, moving beyond flashy demos to practical, scalable solutions.

Throughout the conversation, Yoav emphasizes the limitations of current large language models (LLMs), even those with reasoning capabilities, and explains how AI systems, rather than just pure language models, are becoming the future of AI. He also delves into the philosophical side of AI, discussing whether models truly "understand" and what that means for the future of artificial intelligence.

Whether you’re deeply invested in AI research or curious about its applications in business, this episode is filled with valuable insights into the current and future landscape of artificial intelligence.

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Craig Smith Twitter: https://twitter.com/craigss

Eye on A.I. Twitter: https://twitter.com/EyeOn_AI

(00:00) Introduction: The Future of AI Systems

(02:33) Yoav’s Journey: From Academia to AI21 Labs

(05:57) The Evolution of AI: Symbolic AI and Deep Learning

(07:38) Jurassic One: AI21 Labs’ First Language Model

(10:39) Jamba: Revolutionizing AI Model Architecture

(16:11) Benchmarking AI Models: Challenges and Criticisms

(22:18) Reinforcement Learning in AI Models

(24:33) The Future of AI: Is Jamba the End of Larger Models?

(27:31) Applications of Jamba: Real-World Use Cases in Enterprise

(29:56) The Transition to Mass AI Deployment in Enterprises

(33:47) Maestro: The Orchestrator of AI Tools and Language Models

(36:03) GPT-4.5 and Reasoning Models: Are They the Future of AI?

(38:09) Yoav’s Pet Project: The Philosophical Side of AI Understanding

(41:27) The Philosophy of AI Understanding

(45:32) Explanations and Competence in AI

(48:59) Where to Access Jamba and Maestro

This episode is sponsored by Indeed.

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Greg Osuri’s Vision for Decentralized Cloud Computing | The Future of AI & Web3 Infrastructure

The cloud is broken—can decentralization fix it? In this episode, Greg Osuri, founder of Akash Network, shares his groundbreaking approach to decentralized cloud computing and how it's disrupting hyperscalers like AWS, Google Cloud, and Microsoft Azure.

Discover how Akash Network’s peer-to-peer marketplace is slashing cloud costs, unlocking unused compute power, and paving the way for AI-driven infrastructure without Big Tech’s control.

What You'll Learn in This Episode:
- Why AI training is hitting an energy bottleneck and how decentralization solves it
- How Akash Network creates a global marketplace for underutilized compute power
- The role of blockchain in securing cloud resources and enforcing smart contracts
- The privacy risks of hyperscalers—and why sovereign AI in the home is the future
- How Akash Network is evolving from a resource marketplace to a full-fledged services economy
- The future of AI, energy-efficient cloud solutions, and decentralized infrastructure

The battle for the future of cloud computing is on—and decentralization is winning. If you're interested in AI, blockchain, Web3, or the economics of cloud infrastructure, this episode is a must-watch!

Stay Updated:
Craig Smith Twitter: https://twitter.com/craigss
Eye on A.I. Twitter: https://twitter.com/EyeOn_AI

(00:00) Introduction & The Biggest Challenges in AI Training
(02:36) Greg Osuri’s Background
(04:50) The Problem with AWS, Google Cloud & Traditional Cloud Providers
(06:40) How To Use Blockchain for a Decentralized Cloud
(10:17) Akash Network’s Marketplace Matches Compute Buyers & Sellers
(14:42) Security & Privacy: Protecting Users from Data Risks
(18:25) The Energy Crisis: Why Hyperscalers Are Unsustainable
(21:51) The Future of AI: Decentralized Cloud & Home AI Computing
(26:42) How AI Workloads Are Routed & Optimized
(30:24) Big Companies Using Akash Network: NVIDIA, Prime Intellect & More
(45:49) Building a Decentralized AI Services Marketplace
(55:09) Why the Future of AI Needs a Decentralized Cloud