Visa is diving deeper into the creator economy with new AI-powered financial tools
3 minute readPublished: Tuesday, November 11, 2025 at 10:30 am
Visa Deepens Dive into Creator Economy with AI-Powered Tools
Visa is expanding its presence in the burgeoning creator economy with the launch of new AI-powered financial tools. The credit card giant announced a program in partnership with Karat Financial, a fintech startup specializing in financial services for content creators. The program, slated to launch in 2026 for Karat's clients, will initially be offered free of charge, with the potential for a paid service in the future.
The new tools are designed to streamline financial management for creators, addressing common pain points such as delayed payments and complex business operations. The program will offer automated prompts for unpaid invoices, autopay enrollment, and an AI agent to assist in evaluating brand deal offers.
This initiative comes as the creator economy continues to experience significant growth, drawing revenue and attention away from traditional media. Industry forecasts predict substantial earnings for creators in the coming years. Visa's move builds on its earlier classification of creators as small businesses, which allowed them to access existing financial tools.
Visa's program is targeted toward creators aiming to transition to full-time careers, focusing on those who are generating income but have not yet achieved widespread fame. The company will measure the program's success based on user engagement and its effectiveness in improving creators' cash flow management.
The announcement coincides with the release of a new research report, "Monetized," which highlights the growing optimism among creators regarding their earning potential. The report, conducted in partnership with TikTok and Morning Consult, surveyed over 1,000 creators across multiple countries. The research revealed that a significant portion of creators are self-taught in business areas and seek assistance in areas such as contract negotiation, business strategy, financial management, and tax/legal compliance.
Visa's move reflects a broader trend of financial institutions catering to the creator economy. Competitors have also introduced products and services tailored to creators, offering tools to reduce personal liability, lower tax burdens, and simplify business management.
BNN's Perspective:
Visa's investment in the creator economy is a smart move, recognizing the shift in media consumption and the growing influence of content creators. The focus on providing practical financial tools, particularly those addressing cash flow challenges, is a welcome development. While the program's success remains to be seen, it has the potential to empower creators and contribute to the continued growth of this dynamic sector.
Keywords: Visa, creator economy, AI, financial tools, Karat Financial, content creators, fintech, invoices, autopay, brand deals, cash flow, small business, monetization, TikTok, Morning Consult, contract negotiation, business strategy, financial management, tax compliance.