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FILE - Visa CEO Al Kelly speaks on the floor of the New York Stock Exchange, Thursday, Oct. 25, 2018. Kelly said he believes the pandemic caused a permanent shift of how consumers choose to pay for goods and services away from cash and into payments. It would be a trend that ultimately is good for Visa’s bottom line, but at the same time, Visa is facing increased competition in a way it previously didn’t, particularly from Silicon Valley. (AP Photo/Richard Drew, file)

FILE - Visa CEO Al Kelly speaks on the floor of the New York Stock Exchange, Thursday, Oct. 25, 2018. Kelly said he believes the pandemic caused a permanent shift of how consumers choose to pay for goods and services away from cash and into payments. It would be a trend that ultimately is good for Visa’s bottom line, but at the same time, Visa is facing increased competition in a way it previously didn’t, particularly from Silicon Valley. (AP Photo/Richard Drew, file)

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