Pros
Brand Business model and incredible economic moat Dominant market share and the ability to manipulate EPS through massive share buy backs
Cons
The cultural decimation being conducted by the EVP Technology needs to be addressed. I would challenge you to find a single individual identified as often as the single most significant cause of dissatisfaction on any other company on GD. The captive ghetto recently created in India is an embarrassment to a technology company. The once thriving and growing technology hub in Singapore is now a mindless minion paradise. The talent and experience driven out of the technology organization over the past year is staggering. Visa Innovation is now the act of slapping your brand on any third party’s good idea that will accept it. Imagery of the technology lab in San Francisco is used in most Visa public and social properties including here on GD - but the lab is dark, literally lights out, with all staff who had the vision to create it now gone. HR is the least trusted department in the company.