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AI Garage

AI Garage leverages and applies Artificial Intelligence at scale within Mastercard and its associated business partners, providing a foundational, competitive advantage for the future.

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Powerhouse of intelligence and cyber technology

We strive to be at the forefront of innovation, development and adoption of AI for enhancing payment security and services.

100+

patents filed

36+

research papers published

7+

top ranks in data challenges

100+

AI expert team members

Our focus

Expansive thinking

We collaborate with diverse teams across Mastercard and beyond to generate new ideas and turn them into executable solutions.

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Innovation

AI Garage leads cutting‑edge research driven by scientific breakthroughs and novel algorithms, with a strong focus on building innovative solutions that empower merchants, issuers, and acquirers.

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Implementing AI at scale

We secure millions of merchants and billions of transactions with scalable low-latency Machine Learning, adding intelligence at every step of the payment journey.

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Responsible AI

We build fair, interpretable and secure AI systems through rigorous governance, ensuring reliable and user-centric solutions.

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Leading by example

We foster growth through mentorship, connecting campus hires and team leaders with industry experts to build skills and careers.

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Account intelligence for issuers: fraud and risk

A suite of 15 AI-powered scores that enhance the issuers’ ability to manage fraud risks at the account level.

The product derives account level risk management through smarter decisioning leveraging artificial intelligence models. It provides insights into Account Value and Risk, Account Merchant Activity Risk, Account Chargeback Risk including Total Chargeback Risk and Total Chargeback GDV, potential of Contactless engagement and much more.

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