Not in the scoring path. The authorisation window runs to tens of milliseconds and demands the same output for the same input, which rules out large language models. Where generative AI earns its place is in fraud operations: summarising cases, drafting investigation notes, triaging alert queues and retrieving relevant typologies. Visa’s VAAI Score is the nuance here: it uses generative AI components in model construction for enumeration detection, with the live decision still made by the scoring model.