Online and mobile payments hold the potential to become a key driver for the company’s growth in the future. Trends indicate that smartphone penetration is on the rise, which will positively impact online retailers’ sales experience. Visa has been quick to respond with partnerships and investments in NFC technology and mobile payment platforms. Visa has its eyes set on the trends in the emerging markets. Penetration in the Asia-Pacific region will bring more customers into the middle-class category, increasing safe and reliable banking needs. Based on these trends, global payment volumes are set to rise further in the coming years. Visa’s international revenues have grown almost twice as fast as its revenues from the US in the last three years. The company has ramped up its worldwide marketing initiatives with sponsorships in sporting events and advertising campaigns all the while promoting Visa as an innovative and accessible brand.