Smart vs Visa
Side-by-side comparison of AI visibility scores, market position, and capabilities
Smart provides cloud-based retirement savings technology via its Keystone platform, managing £10B+ in the UK and €11.5B globally; serves 90,000+ employers and 1M+ individuals; secured €69.4M credit facility in Aug 2025.
About
Smart is a London-based fintech company that provides cloud-native retirement savings and pension technology to financial institutions, employers, insurance companies, and governments worldwide. Founded in 2014, Smart operates through two primary offerings: its Keystone technology platform — a white-label, cloud-based infrastructure that powers retirement and savings programs for institutional clients globally — and Smart Pension, its own UK workplace master trust that provides automatic enrolment pension solutions to over 90,000 employers.
NYSE: V global payments network at $35.93B FY2024 revenue with 4.48B cards and $15T+ annual volume; 52.2% credit card market share with 233.8B transactions competing with Mastercard and A2A payment rails.
About
Visa Inc. is a San Francisco-based global payments technology company — listed on NYSE (NYSE: V) — operating the world's largest electronic payment network connecting 4.48 billion active cards, 150+ million merchant locations, and 15,000+ financial institution partners across 200+ countries and territories, facilitating $15+ trillion in payment volume annually. Visa generated $35.93 billion in net revenues in fiscal year 2024 (+10% year-over-year) with $19.7 billion in net income (55% net margin) from payment volume fees, data processing fees, and international transaction fees — without issuing a single credit card or carrying any credit risk. Founded in 1958 as the BankAmericard program and reorganized as Visa Inc. through a 2008 IPO, Visa is the infrastructure provider that enables the global credit and debit card ecosystem to function: every Visa card issued by Citibank, Chase, HDFC, or 15,000 other banks worldwide runs on Visa's authorization, clearing, and settlement network.
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