Risk factors
Mastercard (MA) risk factors
Item 1A of every Mastercard Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors35 risks2 dropped6 reworded
Mastercard refined its risk disclosures by explicitly integrating artificial intelligence threats and data localization requirements across security and regulatory sections.
Filed Feb 11, 2026 - FY2024 10-K risk factors37 risks
Mastercard faces intense global regulatory scrutiny over interchange rates, surcharging rules, and domestic payment network alternatives. The company confronts disintermediation risks, competitive pricing pressures, and cybersecurity threats amplified by hybrid work and AI.
Filed Feb 12, 2025