Visa appoints Diana Kiguradze as Senior Director, Country Manager for Caucasus

Published in Society
Wednesday, 02 June 2021 11:09

In her new role, Diana Kiguradze will focus on growing the electronic payments business in Georgia and Armenia by enhancing the value Visa provides to banks, merchants, and cardholders.

Tbilisi, Georgia – June 2, 2021 – Visa today announced the appointment of Diana Kiguradze as Senior Director, Country Manager for the Caucasus region. In her new role, Diana Kiguradze will focus on growing the electronic payments business in Georgia and Armenia by enhancing the value Visa provides to banks, merchants, and cardholders.

"We are pleased to introduce Diana Kiguradze as a new Country Manager in the Caucasus. Diana has demonstrated her dedication and passion alongside the team of professionals in the Caucasus region, and we have no doubt she will play a key role in accelerating Visa’s expansion in the region by driving our strategy forward,” said Vira Platonova, SVP, Group Country Manager for Visa, Ukraine, Georgia & CISSEE.

Diana came to Visa in 2018, and as a Business Development Director managed clients in Georgia and Armenia. Diana is a great contributor to the Caucasus strategy as a whole supporting Products and Marketing, Fintechs and Digital Payments with her energy, proactivity and passion that has helped deliver outstanding results. Diana has more than 15 years of experience in retail banking, sales, business development, cards and digital channels. Prior to joining Visa, she was leading TBC Bank’s Remote Sales department and Cards Development department in VTB Bank Georgia. Earlier she was managing Smart Club as well as leading cards and remote products sales in TBC.

In her new role, Diana Kiguradze replaces Cristina Doros, who recently celebrated her five-year anniversary with Visa and with extremely well-deserved recognition of her strong performance and professionalism has been promoted to VP, Country Manager for Central Asia and Azerbaijan.

“I am delighted to step into my new role at Visa and thankful for this exciting opportunity. Having worked closely with our business partners, clients, and regulators over the past years, I am proud of Visa's leading role in driving digital payments in Caucasus. In my new position, I plan to focus on expanding this heritage by introducing innovative digital payment products and solutions,”Diana Kiguradze said.

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About Visa Inc.

Visa Inc. (NYSE: V) is the world’s leader in digital payments. Our mission is to connect the world through the most innovative, reliable and secure payment network - enabling individuals, businesses and economies to thrive. Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and is capable of handling more than 65,000 transaction messages a second. The company’s relentless focus on innovation is a catalyst for the rapid growth of connected commerce on any device, and a driving force behind the dream of a cashless future for everyone, everywhere.  As the world moves from analog to digital, Visa is applying our brand, products, people, network and scale to reshape the future of commerce. For more information, visit usa.visa.com/about-visa, visa.com.ge, facebook.com/VisaGeorgiaGE

News Release of the Visa Inc.

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  • Visa and the Ministry of Economy and Sustainable Development sign MoU to boost economic, innovative and cultural development of Georgia

    Visa and the Ministry of Economy and Sustainable Development of Georgia authorized a two-year partnership to support local tourism and SMEs, promote economic and financial inclusion and boost Innovations in Georgia

    Tbilisi, Georgia – DECEMBER 17, 2021 -Visa, the world’s leader in digital payments, has signed a two-year Memorandum of Understanding (MoU) with the Ministry of Economy and Sustainable Development of Georgia to address the needs of small and medium-sized enterprises (SMEs) impacted by COVID-19, support local tourism, contribute to the progress of economic and financial inclusion, and drive innovations in Georgia.

    The document on future cooperation was signed by Natia Turnava, the Minister of Economy and Sustainable Development and Diana Kiguradze, Visa Country Manager for Caucasus Region. The official signing ceremony of the Memorandum was held at the National Museum of Georgia, one of the must-see cultural destinations in the country.

    This memorandum is aimed to foster cooperation between Visa and Ministry of Economy and Sustainable Development establishing a collaborative framework, which will entail the following aspired objectives:

    • Support of small and medium-sized enterprises (SMEs) impacted by COVID-19, by offering joint educational programs, such as launching Visa Business Skills platform in cooperation with Enterprise Georgia and accelerate digitization process;
    • Promote local tourism and increase number of local and international travelers through joint activities;
    • Explore and accelerate innovations in Georgia, within tailored projects to promote economic and financial inclusion.

    The signing of a memorandum between Ministry of Economy and Sustainable Development of Georgia and Visa will help to accelerate the digital transformation for Georgiansmall and medium-sized enterprises. Within the upcoming years, Visa will support both the Entrepreneurship Incentive Program - “Enterprise Georgia” - and the National Tourism Administration, which is very important given the international image of the global company. As a result of the cooperation, educational programs will be implemented to accelerate the digital transformation of the local small and medium-sized companies, as well as joint marketing campaigns will be planned in order to stimulate domestic and international tourism using the specific data shared by Visa. It is important that Visa is a supporter of small and medium-sized businesses, including the development of the tourism sector in Georgia.” – said Natia Turnava, Minister forMinister for the Economy and Sustainable Development.

    ”Signing of this memorandum today marks creation of an important collaborative platform for Visa and Georgia aimed at further development of the national economy. Focusing on three strategic pillars, such as SME’s support, local tourism development, and bringing innovations to the country, together with the Ministry of Economy and Sustainable Development and all involved parties, we aspire to achieve a long-term positive effect of our mutual work for society. At Visa we also believe in innovative and technological future of Georgia, that also preserves and endorses national cultural heritage and promotes the country as one of the world’s best destinations”. - noted Diana Kiguradze, Visa Country Manager for the Caucasus region.

    By supporting local tourism development, Visa will be sharing with the Ministry specific data, including deep analysis and insights of travelers’ patterns. Designed framework will enable effective tourist traffic stimulation strategy planning, helping to identify soft spots and gap analysis. It will help to promote and effectively explore touristic potential of the country, strengthening existing routes and opening new ones.

    With a global financial literacy initiative and ambitious goal to digitalize 50 million small and medium enterprises worldwide, Visa will present in Georgia its global digital platform – Practical Business Skills (PBS). This education platform featuring more than 50 online modules will address needs of entrepreneurs at various stages of the business lifecycles.

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    About Visa Inc.

    Visa Inc. (NYSE: V) is the world’s leader in digital payments. Our mission is to connect the world through the most innovative, reliable and secure payment network - enabling individuals, businesses and economies to thrive. Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and is capable of handling more than 65,000 transaction messages a second. The company’s relentless focus on innovation is a catalyst for the rapid growth of connected commerce on any device, and a driving force behind the dream of a cashless future for everyone, everywhere.  As the world moves from analog to digital, Visa is applying our brand, products, people, network and scale to reshape the future of commerce. For more information, visit usa.visa.com/about-visa, www.visa.com.ge,  https://www.facebook.com/VisaGeorgiaGE

  • Visa and World’s Leading Experts Explore Future of Payments at Visa Informal Cashless Forum 2021 (Video)

    On November 3, the Visa Informal Cashless Forum 2021 has premiered online in the format of a visionary video story. The video is publicly available on the Visa CISSEE YouTube channel - Visa Cashless Forum 2021. The topics of the discussion with world’s leading experts on “The Big Bang in Payments” were:

    • What will be the next fintech revolution?
    • Is there a future for cryptocurrencies?
    • When will passwords become a thing of the past?
    • How will AI help us make financial decisions?

    Experts sharing their vision include: David Birch,Nassim Nicholas Taleb,Mykhailo Fedorov, Alexey Khitrov and Visa experts:

      • Vira Platonova, Senior Vice President, CISSEE Group Country Manager, Visa
      • Oleksandr Yablunivskyi, Vice President for Solutions, CISSEE, Visa
      • Yevgen Lisnyak, Senior Director, Head of Strategic Partnerships, Fintech & Ventures, CISSEE, Visa
      • Visa country managers in the CISSEE region, including Diana Kiguradze, Visa Country Manager for Caucasus

  • South Caucasus in the new geopolitical realities

    By Zaal Anjaparidze

    While foreign policy identities so significantly diverge in the South Caucasus (SC), there is one key common denominator that ties the regional counties together – the interconnectedness of security risks. Those risks together with the opportunities have become more visible and tangible after the latest 44-day war in Karabakh, which entailed new geopolitical realities in the region. What is worth noting part of the risks and opportunities for SC countries largely emanate from the immediate neighborhood.  On the other hand, the interconnected and interdependent nature of security in the SC goes beyond its neighborhood, because each country - Georgia, Armenia, and Azerbaijan has its own complex and multilayered geopolitical identity. 

    In this context, the initiative of a six-nation cooperation platform comprising Turkey, Russia, Iran, Azerbaijan, Georgia, and Armenia initiated by Turkish President Recep Tayyip Erdoğan in December 2020, shortly after the end of the war over the disputed Karabakh created a window of opportunity for permanent peace, stability, and cooperation in the region. At the same time, the initiative has stumbled over the existing contradictions between some of the named member-states. The exemplary case was the statement by Georgia’s Foreign Minister David Zalkaliani that albeit Tbilisi finds it “very hard” to join the “3+3 platform,” the country should still seek ways to engage in the prospective infrastructure projects in the region. His statement was promptly disavowed by the other Georgian officials. They underlined that Georgia will not join “3+3 format” because of the presence of Russia with whom Georgia disrupted diplomatic relations after the Russian-Georgian war in 2008 and occupation of Georgia’s secessionist regions by Russia after recognition of their state independence. Georgian Foreign Ministry claimed that the engagement of Georgia in the major geopolitical projects should not be undertaken at the expense of national interests and concessions to the occupier country (Russia).

    While Russia-leaning groups in Georgia support “3+3” platform arguing that Georgia must pursue pragmatic and realistic politics reckoning with its neighborhood and geopolitical environment, pro-western forces vehemently oppose it. They consider the engagement of Georgia, the sole ally of the West, in the “3+3” platform where the EU and USA are absent will definitely result in damaged relations with the western partners. Besides, opponents of “3+3” platform argue that Georgia and Armenia will be in this alliance rather as “junior partners” than equitable members as compared to more powerful Russia, Turkey, Iran, and Azerbaijan.

    It’s worth noting that recently Russia has decided to revitalize “3+3 format.” Most likely Moscow did so either to pursue its own interests and gain more dominance in the region, or play along with Turkey in order to prevent attempts of the West to reclaim the ground in the region that it has lost after the second war in Karabakh.

    However, it’s still unclear how and whether “3+3” format will be able to keep the mutually acceptable balance of political, military and economic interests. The attitude of Iran is exemplary in this context. If the geopolitical order in the South Caucasus before the second war in Karabakh has been relatively acceptable for Tehran, nowadays the situation is different. Iran is sending clear signals to Azerbaijan and Turkey about the unacceptability of the changed geopolitical reality in the region. Thus, Tehran is going to play a more proactive role in the formation of the new rules of the game in South Caucasus and not only politically. Iran has already has announced an agreement between Iran and Armenia for establishing a new alternative transit route for Iranian trucks bypassing the Azerbaijan-controlled 20-km section, where the trucks are required to pay tolls. The northern part of the route will go through Georgia. Like Tehran, Moscow is also not happy with the excessive strengthening of the role of Turkey and Azerbaijan in the region.

    However, whatever the plans of the initiators of “3+3,” the initiative largely remains declarative, so far and there are no tangible indicators that it will be “fleshed out” in the near future.  Geopolitical contradictions between the key players of the “3+3” format – Russia, Turkey, and Iran, the persisting confrontation between Azerbaijan and Armenia and standalone Georgia, with its pro-western stance, make materialization of “3+3” even more uncertain

    Despite various speculations, today the normalization of relations between Turkey and Armenia seems more realistic because the second war in Karabakh has changed a lot from the geopolitical and geo-economical points of view. Presumably, reckoning with these new realities Armenia perceives the situation in the more realistic prism. Improvement of relations with Turkey, including the opening of borders and new transport communications are the tools that could relieve long-term bilateral confrontation and contribute to peace in the region.   

    Georgia lacks official military-political allies in difference from Armenia and Azerbaijan. Strengthening the influence of Russia and Turkey around Georgia with the weakening influence of the West in the region leaves Georgia in a vulnerable position. This affects Georgia’s role as a transit country and may leave it on the margins of anticipated grand regional projects.

    Russia and Turkey are highly likely to do their best to lure Georgia somehow into the “3+3” platform and persuade Armenia to join the platform despite persisting tensions with Azerbaijan.

    It appears that Tbilisi and Yerevan must decide whether the benefits of joining “3+3” in any form will overweigh geopolitical risks. These risks are far greater for Georgia because joining “3+3” may significantly damage its relations with the West. These relations are already strained due to the latest political developments in the country highly criticized by the West.

    Fragile peace after the armistice in Karabakh supported by Russian peacekeepers and the Turkish military observers revealed a tangle of problems waiting for settlement. Currently the most notable are the continued tensions between Azerbaijan and Armenia manifested in the armed clashes at times and increasing tensions between Azerbaijan and Iran. The latter considers itself unfairly outflanked during the peace talks on the resolution of the latest Armenian-Azerbaijani armed conflict.

    By repeated but still less successful attempts to act as a mediator in the Armenian-Azerbaijani conflict Georgia is highly likely aiming at finding its unique niche in the new geopolitical realities. However, subdued reactions from Baku and Yerevan indicate that none of them is in the mood to see Georgia as a key mediator given the Russian and Turkish factors.  Georgia, which perhaps has more at stake in peace between Azerbaijan and Armenia than does any other third country, has ample reason for concerns over the actions of Turkey to say nothing about Russia. Ankara’s new geopolitical assertiveness is a wild card with unpredictable implications for Tbilisi. Possible Turkish-Armenian reconciliation will enhance Armenia’s regional role and will offer the latter a better bargaining position with Georgia with the attendant consequences.

    CONCLUSION

    The complex geopolitical theatre of the South Caucasus exerts significant influence on the foreign policy identities of the region’s countries. Intra-regional conflicts make the region highly exposed to the influences of its larger neighbors, which play a significant role in shaping the regional security dynamics.

    At the same time, membership within or orientation towards the conflicting alliances strengthens intra-regional rifts, further decreasing the chances of peaceful conflict resolution in the region. To this end, “3+3” platform can be considered as one of the possible but not an ideal tool for keeping a relative balance of powers and interests of the key regional players. But the attempt to supplant the West as a non-regional player, is fraught with risks given the strategic interests of the latter in the regions.

    Despite the strong divergence in foreign policy and alliance choices of the three South Caucasus states, strategic multilateral partnerships within the region and with the region’s immediate neighbors, appear to be the best possible option to transform fragile stability into a lasting cooperation framework, which in turn is a path to sustainable peace. However, existing tensions between Armenia, Azerbaijan, and Georgia on the delimitation and demarcation of state borders, as well as ownership of historical-cultural monuments in the disputed border areas, don’t contribute to the development of full-fledged partnership.

  • Vira Platonova receives The Future of Emerging Europe Award in ‘Female Business Leader of the Year’ category

    Nominations for the annual The Future of Emerging Europe Awards event acknowledge the best organizations and individuals for their significant contribution to the development of European countries

    Georgia, Tbilisi – September 24, 2021 – Vira Platonova, Senior Vice President and Group Country Manager, CISSEE, Visa, has been recognized as the “Female Business Leader of the Year” by the prestigious international The Future of Emerging Europe Awards.

    The annual Future of Emerging Europe Summit and Awards event, held in Brussels this year in a hybrid format, initiated a debate addressing the most important topics for a developing Europe. Organizers of the summit also recognized the best governments, organizations, and individuals for making significant contributions to the social, economic and democratic growth of the 23 countries of Central, Eastern and Southeastern Europe and the Caucasus.

    This year, there were 21 nominations in five major categories: People, Planet, Prosperity, Partnership and Peace. Among them also were ‘Young Influencer of the Year’, ‘Female Business Leader of the Year’, as well as ‘Public Figure of the Year’. Kasia Madera, BBC World News journalist and summit co-founder Andrew Wrobel, announced winners on stage at the BluePoint Brussels convention center, near the European district of the Belgian capital.

    For the inspiring success of Visa team in CISSEE region, constant support of women entrepreneurs and development of the next generation of leaders, Vira Platonova was recognized as the best in the category ‘Female Business Leader of the Year’. 

    “We believe at Visa in gender equality and just access for all and everywhere. Supporting female leadership and equal career development in our organization, also investing into educational programs, and building communities of female entrepreneurs, we aim to support just and prosperous development of economy and society. On behalf of the Visa team, I am very proud to accept this award, that recognizes our efforts and input, and motivates us to do more,” stated Vira Platonova, Senior Vice President and Group Country Manager, CISSEE, Visa.

    The voting process included several stages. After a comprehensive selection of applicants for the nomination, and following the open online public vote, the jury committee, as well as the team of The Future of Emerging Europe Awards, reviewed all candidates and made lists of those who best meet the criteria.

    “Madeleine Albright once said that there is a special place in hell for women who don’t help other women. That’s why women empowering women, especially those who have reached great success in their careers, which is particularly important especially in some of the male-dominated societies across emerging Europe. Women need to see more worthy role models, and such nominations contribute to this,” said Andrew Wrobel, Founding Partner of The Future of Emerging Europe Summit and Awards.

    This year among many others nominations, the Professor Günter Verheugen Award, given to eminent individuals from outside emerging Europe who have contributed to the region’s prosperity and peace, has been given to Sir Suma Chakrabarti, former president of the European Bank for Reconstruction and Development (2012-2020). Professor Katalin Karikó (Hungary), whose work formed the basis of the Covid-19 vaccine, was given the Princess Marina Sturdza Award, that recognize distinguished individuals in the region who have contributed to its prosperity, science, culture and peace.

    The full list of winners can be found on the website of The Future of Emerging Europe Awards.

    Future of Emerging Europe Summit and Awards event is supported by the Emerging Europe Council, an independent advisory body to the board of directors of Emerging Europe, including leading opinion formers, senior business executives, scholars, heads of state and government, former senior representatives of international institutions, civil society and the world of diplomacy and art.

    ###

    About Visa Inc.

    Visa Inc. (NYSE: V) is the world’s leader in digital payments. Our mission is to connect the world through the most innovative, reliable and secure payment network - enabling individuals, businesses and economies to thrive. Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and is capable of handling more than 65,000 transaction messages a second. The company’s relentless focus on innovation is a catalyst for the rapid growth of connected commerce on any device, and a driving force behind the dream of a cashless future for everyone, everywhere.  As the world moves from analog to digital, Visa is applying our brand, products, people, network and scale to reshape the future of commerce. For more information, visit usa.visa.com/about-visa, www.visa.com.ge,  https://www.facebook.com/VisaGeorgiaGE.

    About Emerging Europe

    Emerging Europe is a London-based intelligence, community, and news platform whose mission is to foster sustainable and innovation-driven social, economic, and democratic development of 23 countries of the region, spanning Central, North-eastern and South-eastern Europe and the South Caucasus.

    The Future of Emerging Europe – an online and offline debate shedding light on the challenges that the emerging Europe region is facing and highlighting the best solutions and initiatives helping overcome these challenges in five areas: people, planet, prosperity, partnerships, and peace (Sustainable Development Goals) linked to the Emerging Europe Awards.

  • Visa Digitally Enables 16 Million SMBs on Path to Reaching 50 Million Goal Worldwide

    New Visa research shows how essential digital capabilities are for SMBs to compete in a post pandemic world

    Amidst record rise of entrepreneurism, a new class of digitally-native small businesses emerge

    Georgia, Tbilisi – September 21, 2021 – Visa (NYSE: V) today announced it has helped to digitally-enable an estimated 16 million small and micro businesses (SMBs) worldwide, or just over 30% of the multi-year goal it set in 2020 to digitize 50 million SMBs. Since the start of the pandemic, Visa has launched community-based programs from Dubai to DC, to help more small businesses accept digital payments and gain greater access to the digital economy. The necessity for SMBs to continue to digitally accelerate is underscored by the 5th edition of the Visa Back to Business global study released today, which found that 68% of consumers say COVID-19 has permanently changed how they will pay.

    “With a 19-month view into the pandemic, we’ve seen that small businesses who embraced digital commerce and cross-border sales have weathered the pandemic better,” said Mary Kay Bowman, global head of buyer, seller, core and platform products, Visa. “But it’s no longer just about pivoting and surviving. We’re now seeing a hopeful surge in entrepreneurship, and as we march toward our goal of 50 million, we’re helping a new breed of business owner come online as digitally-native for the first time.”

    Visa Back to Business Study: A Global Pulse on Payment Preferences

    The Visa Back to Business global research study has surveyed SMB owners and their customers since the onset of the global pandemic. With an extensive body of sentiment data accumulated through five editions, findings from the newest study highlight the economic opportunity that lies in connecting SMBs, communities and technology:

    • SMBs Still Working to Meet Consumer Expectations: The pandemic has dramatically increased consumers’ concern with touching cash and payment readers and correspondingly, increased the desire to tap to pay[1]. Seventy-four (74%) percent of SMBs around the world expect customers will continue to prefer contactless payments as much as, or more than they do now, with two in five (40%) SMBs citing contactless among the top investments needed to meet customer expectations.
    • Contactless as a Competitive Edge: Stores that don’t accept contactless payments could run an increased risk of losing customers as a result. More than two in five (44%) consumers say they wouldn’t shop at a store that only offers payment methods that require contact with a cashier or shared device.
    • Prioritizing Online Security: One year ago, just 17% of US SMBs started selling products or services online for the first time during COVID-19 and now, 57% expect to continue to do so in the next three months. Yet, many SMBs surveyed said the shift presented new challenges with the top concerns cited as data privacy and security (33%), cost to invest in digital infrastructure (31%) and having less of a personal connection with customers (30%).
    • Opportunity Knocks for New, Digitally-Savvy SMBs: While 54% of SMBs say the past year has been a challenge for their business, 46% have viewed it as an opportunity, up from 38% in November 2020. Among those who saw 2020 as an opportunity, their focus has been on new products (37%) and expanding their sales channels (34%), with 23% having started a completely new business.

    Unlocking Access to the Digital Economy

    Recognizing thatgreater digitization of commerce can bring enormous benefits to small businesses, Visa seeks to bring increased digital equity and inclusivity to the world through its multi-year commitment to digitally enable 50 million SMBs. With 3.4 million new U.S. business applications filed in the first seven months of 2021 alone[2], Visa’s efforts are focused on ensuring both existing and newly minted small businesses are well-equipped to meet changing consumer demands and embrace the digital future.

    From London to North Dakota, Visa has directed resources to SMBs through dozens of programs tailored to fit the needs of local communities. Among them, Visa has committed more than $1 million in hyperlocal grants to U.S. SMB owners who have been disproportionately impacted by the pandemic, deployed Small Business Street Teams to 900,000 businesses in 18 markets, and transformed payment acceptance in 49 markets with Visa Tap to Phone, which enables sellers to accept contactless payments through a simple mobile app. Visa also expanded its global digital education platform for entrepreneurs, Practical Business Skills, which delivers free education resources to SMB owners and to support the digital transformation of their businesses. This builds on a $200 million, 5-year commitment from the Visa Foundation made in 2020 to support SMBs around the world, with a focus on fostering women’s economic advancement.

    Visa will continue to celebrate the expansive role SMBs play within local communities and the global economy, starting with the launch of a new digital series today, “Voices of Access,” featuring SMB customers from around the world sharing their unique stories and empowering others to see the possibilities of the digital economy.

    More information on the programs Visa has made available to small and micro businesses is available on the Visa Small Business Hub and the Visa Small Business COVID-19 support site.

    Methodology: Visa Back to Business Study

    The Visa Back to Business Study: 5th Edition, was conducted by Wakefield Research between June 15-28, 2021, among 2,250 small business owners at companies with 100 employees or fewer in Brazil, Canada, Germany, Hong Kong, Ireland, Russia, Singapore, United Arab Emirates and United States. The consumer portion surveyed 1,000 adults ages 18+ in the U.S., and 500 adults ages 18+ in Brazil, Canada, Germany, Hong Kong, Ireland, Russia, Singapore and United Arab Emirates.

    About Visa Inc.

     Visa Inc. (NYSE: V) is the world’s leader in digital payments. Our mission is to connect the world through the most innovative, reliable and secure payment network - enabling individuals, businesses and economies to thrive. Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and is capable of handling more than 65,000 transaction messages a second. The company’s relentless focus on innovation is a catalyst for the rapid growth of connected commerce on any device, and a driving force behind the dream of a cashless future for everyone, everywhere.  As the world moves from analog to digital, Visa is applying our brand, products, people, network and scale to reshape the future of commerce. For more information, visit usa.visa.com/about-visa, www.visa.com.ge,  https://www.facebook.com/VisaGeorgiaGE.



    [1] Source: US Contactless Online Research Study April 2020

    [2] Source: U.S. Census Bureau, Business Formation Statistics

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