It has declined about 5% since the beginning of August as retailers deliver some dismal reports reflecting the state of the economy and the Federal Reserve went back to raising interest rates, signaling that inflation is still a major concern. Some may feel like the pandemic is a distant bad memory, but in some parts of the world, people are still getting back to previous spending habits. This kind of diversification amplifies its brand and brings in more clients that ultimately lead to more revenue from Visa's core payments business.