Morgan Stanley analyst James Faucette sees opportunity in payments stocks because "earnings could be materially higher if international tourism were to recover fully." Shares of the payments company Visa (NYSE: V), money center bank Citigroup (NYSE: C), and investment bank Goldman Sachs (NYSE: GS) all fell nearly 5% today before clawing back most of those losses. I think investors are concerned about Citigroup and Goldman Sachs in particular, because both reported disappointing earnings results for the fourth quarter of 2021 on the back of higher expenses, largely as a result of wage inflation.