Contents

3 Travel 2026 4 The external forces shaping travel 8 FX sensitivity across destinations 10 Al-enabled traveler 12 The intentional Al traveler 15 Personal motivations for travel 17 The journey, not the destination 19 Conclusion 2

INTRODUCTION

Travel 2026

Travel often starts with a vision of a destination. In 2026, that vision takes shape in a more unsettled world. Geopolitical conflict has become part of the backdrop, shaping routes, costs, and safety perceptions. Disruptions to energy supplies and airspace have already translated into fewer scheduled flights on some corridors, rerouted connections, and the rise of alternative transit hubs, particularly across Asia-Pacific (AP) and parts of Europe. Yet, the impulse to travel endures. Familiar motivations like climate, cuisine and culture still matter, now weighed alongside new constraints. Where to go remains important. How to get there, and at what cost, increasingly defines the journey. Against that backdrop, budgets ultimately dictate the specifics of the trip. Value is top of mind for travelers particularly amid rising energy prices, volatile foreign exchange rates, and diverging income growth – but travelers can optimize their travel decisions by leveraging digital and Al-driven tools. And once travelers reach their destination, their spending decisions – whether for accommodations, food, history or retail – will often reflect underlying economic and cultural differences. The Mastercard Economics Institute (MEI) sees macroeconomic and geopolitical conditions, rapid advances in Al, and personal motivation as three key forces shaping how and where consumers spend when they travel. 3

• TRAVEL REPORT 2026

These themes emerged from our research:

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Theme 01 The external forces shaping travel

Economic and geopolitical forces have come to the forefront for travelers over the past year. The conflict in the Middle East, shifting foreign exchange markets, and the rising fortunes of different industries have already changed travel plans and may continue to influence travel patterns for some time. These dynamics are visible in how flight schedules have shifted over the past year, as airlines and consumers navigate disruptions and heightened uncertainty. Our analysis of international tourism data shows that a destination’s stronger currency tends to slow inbound travel, though the magnitude of the effect varies widely by market. Travel patterns are also shaped by the uneven performance of industries across regions, with corporate travel spending taking a larger share in emerging global business hubs such as Abu Dhabi and several Indian cities. Whether geopolitics ultimately reinforces or disrupts these existing trends is one of the key questions for travel in 2026.

Theme 02 Al-enabled traveler

Al is beginning to shape how consumers discover, plan, and prioritize trips, so the travel economy is well placed to seize upon Al innovation. Analysis of Mastercard’s anonymized and aggregated data shows that subscribers to Al platforms dedicated a larger share of their spending to travel. Al platforms appear to help consumers seek out off the beaten path locations, with many destinations seeing travel spending disproportionately driven by Al- subscribing travelers, such as Perth, Australia and Leipzig, Germany. For travel and hospitality companies, this points to a growing role for Al to help deepen personalization for travelers. Theme 03 Personal motivations for travel Once travelers reach their destination, their priorities show up clearly in how they spend their money. Our analysis shows that even in the same market, international travelers allocate their spending very differently depending on where they come from. Japan illustrates this divergence well: of its top source markets, Brits assign a large share of spending to land travel, Singaporean visitors prioritize retail, and Korean tourists devote a larger than average share of their budget to nightlife. These patterns point to two groups: travelers seeking immersion in the local culture and those who travel for a specific experience, be it shopping, nightlife or an event. We also see signs that the journey itself is becoming part of the experience, with train travel picking up and an emerging niche of preference for luxury trains, potentially reflecting a desire for more sustainable travel.

These trends are not static.

In today’s environment, the conflict in the Middle East has shown how quickly travel patterns can shift through disruptions to energy supplies and flight routes, increased financial market volatility, and impacts to consumer confidence and spending decisions. External shocks continue to reshape relative affordability and connectivity, reinforcing the need to monitor how travel responds as economic conditions evolve. The path ahead is likely to be uneven. But consumers have been nimble in recent years in the face of other economic and geopolitical shocks. Al-driven tools that expand the options for where and how to travel may be helpful in weathering this shock. In 2026, the travel economy will be characterized by adaptability, as travelers balance priorities against a shifting economic landscape.

• THEME 1 01

The external forces shaping travel

While travel decisions feel deeply personal, they are shaped by economic, political and other external forces beyond individual control. In 2026, the influence of external forces on travel is more visible than in most years. A combination of geopolitical uncertainty, shifting exchange rates, and rising energy prices are shaping global tourism this year. Together, these forces are influencing travel decisions across the leisure and corporate segments. For international travel, movements in foreign exchange rates directly affect the relative affordability of destinations. MEl’s analysis of publicly available data shows that, even after accounting for other economic factors, exchange rate changes have a clear impact on inbound tourism. The sensitivity varies by destination, with Argentina and Türkiye among the most responsive, while foreign travel to the United States shows a much weaker relationship with dollar movements. In a rapidly changing global environment, airlines have adjusted capacity this year to reflect not only shifts in consumer demand but geopolitical tensions and rising costs, including higher jet fuel prices. Using data from OAG as of April 24, the Mastercard Economics Institute calculated how the number of seats scheduled for international flights this summer has shifted over the past year. The results point toward stability and resilience in the face of the conflict in the Middle East.

THEME 1 According to our results, the Paris travel season is shaping up to be a strong one this summer. The French capital is seeing the strongest growth relative to last year’s summer schedule, topping a list ahead of four other European destinations. Abu Dhabi’s appearance among the leaders may be surprising given the ongoing conflict in the region but likely reflects airline expansion plans that were put in place before the war. A similar dynamic appears to be driving Addis Ababa’s ranking. More broadly, parts of the world are showing signs of increased regionalism. In Latin America, flight schedules have moved toward nearby cities such as Panama City, Bogotá, and Buenos Aires, while European traffic is shifting toward Paris, Amsterdam and Barcelona. However, we do see a few U.S. destinations pop up among the top ten for European travelers, hinting at increased capacity for the summer of soccer. At the same time, European destinations are leading schedule growth for flights departing from the United States and Canada.

Summer travel: schedules are adapting to the geopolitical environment

Ranking based on year-over-year change in scheduled seats for travel between June and September Paris Amsterdam Brussels Barcelona Madrid Abu Dhabi Kuala Lumpur Hong Kong Addis Ababa Copenhagen SOURCE: OAG, MASTERCARD ECONOMICS INSTITUTE 6

THEME 1 These dynamics extend beyond personal travel. Businesses are also navigating an uncertain macro backdrop, adjusting travel decisions in response to higher costs, volatile energy prices and shifting demand conditions. MEI used Mastercard’s aggregated and anonymized data on airline, hotel, and restaurant spending across several markets to chart the health of corporate travel hubs. To do so, we created a measure of shifts in the distribution of business and leisure travel at different destinations. That metric combines data on the shifts in the corporate share of total international spending on hotels and restaurants at a destination from 2024 to 2025 and the shift in the corporate share of airline bookings to that same destination over the same time period. Abu Dhabi was the leader on this metric in 2025 as the UAE looked to strengthen its standing as a global business hub. The outlook for this hub is now more uncertain given the conflict in the Middle East. Elsewhere among the leaders, India saw a rise in the corporate mix of travel spending with four cities among the top 20. As with much of travel in 2026, the key question is whether these pre-existing patterns prove durable, or whether geopolitical disruptions ultimately reshape corporate travel hubs more fundamentally. Departures | Where business is driving travel Business vs Leisure Momentum Index 1 Rank Business % flight bookings to Destination destination 1 ABU DHABI 4.2% 2 ANKARA 21% 3 HYDERABAD 2.3% 4 BENGALURU 2.8% 5 JOHANNESBURG 17% 6 NEW DELHI 2.8% 7 MUMBAI 2.6% 8 SEOUL 2.9% 9 MILAN 21% 10 ROME 20% 1.1 MUNICH 25% 1-2 BIRMINGHAM 2.9% 1-3 BERLIN 21% 14 SAN FRANCISCO 3.1% 1.5 BARCELONA 2.3% 1.6 BRASILIA 25% 1.7 PARIS 2.2% Note: The business vs. leisure momentum index is a 18 NEW YORK 22% metric that combines data on the shifts in the corporate share of total international spending on hotels and 1.9 DALLAS 25% restaurants at a destination from 2024 to 2025 and the 20 shift in the corporate share of airline bookings to that GUADALAJARA 12% same destination over the same time period. 7

• THEME 1: SUBTHEME 1 8 100 100

FX sensitivity across destinations

• Just as some people feel temperature changes more intensely than others, tourism in some countries is more sensitive to exchange rate movements. The same percent change in FX leads to a much larger change in international arrivals, meaning changes in financial markets have outsize importance for some markets’ tourism outlook. • To get a better understanding of this sensitivity, MEI adapted a methodology used in other research on the relationship between exchange rates and international tourism¹ and used data covering from 1996 through 2025. • On average, our analysis found that a 10% depreciation in a destination market’s currency was associated with a 2.4% increase in foreign tourism. However, that sensitivity differs quite a bit by destination. 8

• THEME 1: SUBTHEME 1 • Turkiye and Argentina were the most sensitive markets according to our analysis, with responses between four to five times larger than the average response. A 10% drop in the value of the Turkish lira is associated with a 11.4% increase in international visits, and a similar depreciation in the Argentine peso is linked with a 9.5% increase in foreign tourists to Argentina. • By contrast, inbound tourism to the U.S. shows less FX sensitivity: foreign visits would only increase 1.4% following a 10% depreciation of the U.S. dollar. Tourism sensitivity to foreign exchange varies widely by market Increase in foreign tourism associated with a 10% depreciation in destination currency Turkiye C Argentina Malaysia Switzerland Taiwan Canada Japan United States 1.4% Note: Results from a select set of markets. 2.7% 3.3% 3.2% 4.5% 8% 9.5% 11.4% SOURCE: MASTERCARD ANALYSIS OF DATA FROM TOURISM BOARDS, EUROSTAT, AND SEVERAL CENTRAL BANKS, MASTERCARD ECONOMICS INSTITUTE 9

THEME 2 02

Al-enabled traveler

Artificial intelligence is opening new horizons and reshaping industries across the board, and travel is no exception. From inspiration to booking, Al is redefining how people plan trips and make decisions. What once required hours of research can now be condensed into a seamless experience, where a traveler’s interests are translated into a tailored itinerary in seconds. At the same time, consumers are growing more comfortable with Al-driven tools. Today’s travelers are motivated to find the best value and most attractive price, but they also want to anticipate the experience before committing. It is no longer just about where to go but what it will feel like to be there. Using anonymized Mastercard data, we analyzed how travel spending differs between U.S. cardholders who are Al subscribers (measured by spending on consumer Al services) and non-subscribers. To control for underlying economic characteristics, particularly income levels, we constructed a matched sample of cardholders with similar spending levels on groceries and restaurants. While this should reduce the income disparity, it won’t solve it entirely – surveys show that Al tools are most commonly used more by higher income, more highly educated individuals.2 Other external data³ suggest that Al users tend to skew younger, a demographic more likely to allocate time and resources toward leisure travel. 10

Likelihood THEME 2 Taking this into consideration, we identify two interesting trends in the analysis: 1. We find that Al subscribers spend differently than non-Al subscribers, particularly in travel-related categories. This difference is especially clear in accommodations (hotels). Using our two cohorts, we analyzed the share of wallet for accommodations and found that the distribution is skewed to the right for Al subscribers, indicating a higher share of spending in this category. The mean share of wallet is nearly double for Al subscribers than for the control cohort. We also observe a similar, though less pronounced, skew in cruise spending, while the difference for vehicle rentals is minimal. In contrast, spending patterns for grocery stores match closely between the two groups. 2. The distinction may reflect the role of Al in discretionary versus necessity-based spending. Categories such as groceries – and, to a large extent, vehicle rentals – are drivers primarily by routine needs, leaving limited opportunities for Al tools to greatly influence spending behavior. Accommodations and cruises, however, involve greater choice and discovery. Al subscribers may be using these tools to explore a wider range of travel options, ultimately increasing experimentation and spending within those categories. While there are a variety of potential causes – from demographics to income differentials it is clear that Al subscribers are allocating more budget toward travel. The causality is hard to prove, but it is possible that the availability of Al tools encourages greater spending on travel by streamlining planning and reducing the frictions in planning travel.

Al-subscribers allocate a greater share of wallet on accommodations than non-Al users

% of spending for Al vs. non Al subscribers; charts shows the distribution for each cohort (higher peaks represent more common values, distribution to the right shows a higher wallet share) 0.6% 0.8% 1% 1.2% 1.4% 1.6% 1.8% 2% 2.2% 2.4% 2.6% 2.8% Wallet share Non-Al subscriber cohort Al-subscriber cohort Al subscribers are defined as cardholders with subscriptions to consumer Al tools. Because Al subscribers and non-subscribers may differ in spending capacity, we control for this by restricting the samples to cards in the middle 20% of card ranked by share of spending on restaurant and grocery spending, ensuring comparable SOURCE: MASTERCARD ECONOMICS INSTITUTE 11

• THEME 2: SUBTHEME 1

Where Al goes on holiday

Al subscribers are not only outspending other cardholders on travel; they’re traveling differently. Their choices reveal a distinct geographic pattern, one that diverges meaningfully from the broader population. To understand this, MEI applied the same comparative framework used in our initial analysis benchmarking U.S. cardholders who have subscribed to Al services against non-subscribers – but shifted the lens to where Al subscribers are going. Specifically, we identified destinations where spend is disproportionately driven by Al-enabled travelers, focusing on Europe. MEl defines “disproportionately driven” to be destinations where Al-subscribers accounted for at least twice the share of visitor spend as they do globally (looking at hotels, restaurants and recreation). We then look at the web content that defines its recommendations, including the volume of authoritative editorial coverage, richness of narrative framing (for example framed as a “destination dupe”, “hidden gem”, “underrated”, “most beautiful place in”, “best for a specific activity”) and the depth of coverage on review platforms and forums. These are not generic getaways; they are places often framed as “best for” a specific experience while also appealing to the hyper-curator demographic that wants not only a sunny beach or ski resort, but to combine that with picturesque villages, history, food and culture. The destinations are overwhelmingly those described as “alternative to” destinations or “hidden gems.” They have detailed, positive coverage across major travel publications or blogs relative to their size, structured in a way that makes them highly visible to Al. 12

• THEME 2: SUBTHEME 1 We categorize the Al visible destinations into four cohorts: Culture and history, food and wine, sports and beach. These are rough categorizations as a common factor among these destinations is their appeal across multiple themes.

Culture & history

Con At the top of the list is Leipzig, Germany, where a whopping 31% of U.S. visitor spending was driven by Al-subscribing cardholders. Known as Europe’s city of music, Leipzig combines historic charm with hip urban culture, a thriving arts scene, café-lined streets, lively nightlife, trendy shopping, and affordability. The city has gained the nicknames “HypeZig” and “New Berlin”, along with “Little Venice” in reference to its extensive boat-filled waterways. Next comes the famed castle village Carcassonne, France (24%), Postojna, Slovenia (18%) famous for its caves and cliffside castle, Metz, France (17%).and Metz, France (17%), with its iconic cathedral, walkable green layout, and charm derived from a mix of both French and German influence. A

Food and wine

Orvieto, a stunning Italian hill town known for its white wine and truffles tops the list, with 23% of spend driven by Al subscribers. Following is Beaune (16%) at the heart of Burgandy. Though both are known for their wine and food, that is far from the only attraction in these charming historic destinations.

Sports

The Dolomites were popular with the Al enthusiasts, who accounted for 18% of spend in Pinzolo and Brunico, Italy. In Switzerland, Saanen (17%) is a historic village of quaint chalets just minutes from glitzy Gstaad hailed as a more laid-back alternative to its more famous neighbor. Halmstad, Sweden is categorized as a coastal destination but is also famous for being the golf capital of Sweden. In the same camp is Peniche in Portugal, a coastal paradise famed for its surfing.

Beach

The leading beach destination was Conil de La Frontera (41%), a whitewashed fishing town in Spain’s Costa de Luz. This sunny destination combines sandy beaches, a historic old town, and fabulous seafood. Al’s next favorite beaches were Patmos, Greece and Pantelleria, Italy (18%), Andros, Greece (16%). These too offer not only beaches but architecture, history, food, and culture. 13

• THEME 2: SUBTHEME 1

Where Al goes on holiday

“Alternative to” destinations overall feature prominently on the list for Al users (also known as “destination dupes”). This includes locations such as Utrecht (the quintessential Amsterdam alternative), Toulouse (a sunny, walkable, and more affordable alternative to Paris), Patmos and Antiparos as alternatives to Mykonos, and Orvieto Italy (the perfect hill town between Rome and Florence). This reframing dynamic of “underrated” locations, common in Al-generated recommendations, is expanding the map of high-demand travel. There also seems to be excitement about “luxury arbitrage” amongst Al users. This includes destinations marketed as “the Hamptons of X” or “the Aspen of X,” and those adjacent to glitzy destinations such as St. Tropez, Cannes, or Gstaad – locations that deliver a comparably premium experience at a relative discount. While still firmly in the luxury tier, these destinations offer a more efficient value proposition and, in many cases, a perception of being more distinctive or less saturated than their U.S. counterparts. This includes Forte dei Marmi, Antibes, Grimaud, Monte Argentario, Moltrasio, Cesme, and Formentera for coastal retreats, and Mountain destinations such as Saanen, Verbier, Kitzbuel, Morzine, Courchevel, and Crans Montana. Taken together, these patterns suggest that Al is not just influencing how much people travel, but where and why they travel. It is enabling a more intentional, discovery-driven, and value-optimized approach to global travel. Destination type • Beach Food & Wine Historic City Sport Urban

Orvieto | Umbria

Wine Food Why go A dramatic Umbrian hill town, this hidden gem features medieval and renaissance architecture, a stunning gothic cathedral, truffles, ancient tunnels, jazz festival, Etruscan history, and fewer crowds Tuscany’s busiest classics.

Best for

cathedral, white wine, hill town, caves, slow food

Food & scenery

The food scene is the main event, usually paired with vineyard, river, or hill-country scenery. Particular strength: cathedral and white wine. SOURCE: CHATGPT, MASTERCARD ECONOMICS INSTITUTE 14

• THEME 3 03 Personal for travel motivations Spending patterns at tourism destinations reveal more than budgets; they also reflect how different nationalities choose to experience a place. While destinations provide the setting, visitors shape their own outcomes, and the gap between these two approaches is often visible in the data. Sometimes it confirms the cliché. Sometimes it rewrites it. • Europe highlights this clearly. In France, Swiss visitors concentrate spending on retail, treating Paris shops as a reason to travel, rather than an afterthought. Brits prioritize restaurants and culinary experiences, engaging deeply with French food culture. Spain tells a different story, with nightlife booming across the board, led by British tourists, whose bar spending share is 32% higher than the average visitor. • In North America, restaurants and retail define the experience for many. On average, consumers spend 29% of their holiday budget on restaurants. That’s more than is spent in established foodie favorites France (27%) and Mexico (23%). For international tourists, American cities are shopping destinations as much as cultural ones with 28% of spending occurring in retail, but Mexican visitors take the retail crown devoting 54% of spending to retail. Canadian, British, and Australian travelers, by contrast, spend more than 5% of total spending on live experiences, reflecting their preference for experiences when travelling. + 15

Hong Kong SAR THEME 3 • Looking towards Latin America, Mexico rewards deeper engagement, with U.K. and Canadian visitors standing out for high spending on tour operators (6% and 5%, respectively), a pattern that may reflect a preference for local expertise and language skills. Compared to Mexico, tourists to Brazil typically spend less on lodging, leaving more budget for restaurants and bars.4 • Asia presents some of the most varied profiles. Japan demonstrates how a single destination can support entirely different travel styles: Brits embrace the rail network and move widely across the country, spending more than 10% of the total wallet on land travel. Singaporean visitors gravitate toward shopping districts, spending 38% on retail. But Korean tourists lead nightlife spending, with a bar spending share 45% higher than the average tourist. Across all these markets, one truth persists: destinations are not experienced in a singular manner. The nationality of the visitor, combined with the infrastructure and cultural offerings of the place, produces spending patterns that are remarkably stable and readable over time. A city known for fashion will draw shoppers; a market with strong rail will see that reflected in transport budgets; and a destination with a reputation for nightlife will attract building it. When that which a place genuinely offers aligns with what different visitor groups are actively seeking, the result shows clearly where the money goes.

Destination: Japan

% share of tourism spending by origin country, card-present, 2025 6.1 9 10.1 9.9 9.4 10.2 15.8 7.6 7 8.9 8.4 10.8 5.1 6.9 5.2 5.2 6.8 20.3 19.1 19.4 10.9 21.4 26.1 Bars 17.6 Land travel 18.8 19.2 25.8 23.3 19 Live Experiences Lodging Restaurants Singapore Retail 34.9 37.6 32.9 27.5 27.1 • Travel agencies 24 South Korea Note: Data is for full year 2025 and includes in-person spending only. Origin market is where a card is issued. Total SOURCE: MASTERCARD ECONOMICS INSTITUTE 16 Grocery

THEME 3: SUBTHEME 1

The journey, not the destination

• Analysis of aggregated and anonymized Mastercard data highlights one form of travel bucking the trend: train travel. The emerging demand for train travel reflects a shifting travel ethos one that centers the journey rather than the destination. • Tourists are looking for ways to immerse themselves in different cultures while also reducing their carbon footprint. Rail is uniquely placed to meet both demands. Taking the train instead of a domestic flight reduces one’s carbon footprint by around 86%.5 • Korean consumers are particularly fond of travel by train, with a share of 2.7%, along with Spanish, Dutch, and British consumers. Europe is the epicenter of the flourishing train tourism story, thanks in part to the EU’s Sustainable and Smart Mobility Strategy, with the stated goal of doubling high-speed rail traffic by 2030, making rail an increasingly accessible low-carbon choice. But it’s not just Europeans. Consumers from Hong Kong SAR, Singapore, and Australia saw their share of spend jump over the past three years. • MEI has also found that, in addition to standard public train spending, the niche segment of luxury rail is experiencing a boom. Scenic and luxury trains that offer opulent onboard experiences have emerged as a 34% share of train travel around the world. Luxury-rail lovers are mostly from Italy, the U.S., Spain, the U.K. and Australia. Italians splurge the most, with more than 50% of their total train spending going to luxury experiences. 17

THEME 3: SUBTHEME 1

The share of travel spending allocated to trains has increased across many countries

% travel spending on trains, 2025 vs. 2022 South Korea Spain Netherlands Belgium United Kingdom Switzerland France Austria 1% 1.2% 1.4% 1.6% 1.8% % 2% 2.2% 2.4% 2.6% 2.8% 2022 2025 Note: Train spending is calculated as the sum of cross-border spending at train merchants and spending at international train tour operators. Total tourist travel spend is the sum of all hotel, airlines and travel agency spend, including the train spend categories. Only countries with a 2025 share greater than 1% and at least $13M in train industry spend in 2025 are included. SOURCE: MASTERCARD ECONOMICS INSTITUTE 18

• CONCLUSION

Conclusion

Travel in 2026 will be shaped by geopolitics and its economic consequences, but other factors such as affordability pressures, shifting exchange rates, and shifting business priorities will continue to influence where people travel and how they allocate spending. Personal preferences and priorities will determine which trade-offs are made, and emerging Al-driven tools will help travelers find better value, given these constraints. These adaptations are unfolding against a backdrop of heightened geopolitical and macroeconomic uncertainty. Developments in energy markets, financial conditions, and regional conflicts have the potential to alter travel costs and sentiment quickly, redirecting flows and changing relative value throughout destinations. As a result, outcomes are likely to remain uneven across regions, income groups, and travel segments. Yet travelers are not passive in the face of these shifts. Consumers have shown a capacity to adapt in recent years and could do so again this year, adjusting destinations, timing, and spending priorities as conditions change. In 2026, this adaptability is likely to remain a defining feature of the travel economy, supporting continued engagement even as the landscape remains fluid. 19

APPENDIX

Notes and Disclaimer

Footnotes

1. Exchange Rate Elasticities of International Tourism and the Role of Dominant Currency Pricing 2. Alexander Bick, Adam Blandin, and David J. Deming, “The Rapid Adoption of Generative Al,” NBER Working Paper 32966 (2024) 3. Travel Forward: Data, Insights and Trends for 2026: Phocuswright 4. Chasing sun or chasing Carnival? explores spending behavior by origin country during the Brazilian Carnival week. 5. Which form of transport has the smallest carbon footprint? – Our World in Data

About the Mastercard Economics Institute

The Mastercard Economics Institute provides insights into global and local economic trends using advanced analytics and Mastercard’s proprietary data assets. Established in 2020, MEI supports businesses, governments, and policymakers with economic monitoring services and timely analysis on economic themes including consumer spending, retail and travel trends, and other local and global barometers of economic performance. MEI offers valuable perspectives to inform decision-making and promote sustainable growth worldwide through our thought leadership series, and through Mastercard’s specialized product offerings.

Disclaimer

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