Marie-Claude Nadeau

Senior Partner

McKinsey & Company

Marie-Claude is Senior Partner in the San Francisco office of McKinsey & Company and lead McKinsey’s Global Payments Practice. Since she first joined the firm in 2009, she served clients in payments, financial services, retail, and technology on a broad range of topics, from product
and go-to market strategy to productivity and risk management.

Marie-Claude is a frequent author and speaker on emerging trends in digital payments and customer loyalty. Her insights have been featured in Forbes, the Harvard Business Review online, and Money2020.

Marie-Claudes’ recent client work includes:

Assessing the strategy and developing the business case for digital payments play at a large technology company
Developing the business strategy for a global payments company, including designing their approach to mobile-enabled payments and their response to trends such as cryptocurrency and social commerce
Conducting war game–type workshops with senior executives at an e-commerce and payments company to define a medium-term competitive response and strategy
Crafting a consumer marketing strategy, aiding early-tenure customer segmentation, and conducting innovation sessions at a digital payments company
Analyzing data from approximately 100 million customers at a global digital payments company to identify target segments and high-value actions, and launching and measuring the impact of targeted campaigns against those segments

Featured Sessions

Tuesday, May 5, 2026

11:20 am

Intelligent Money and Autonomous Transactions: How Banks Can Capitalize on the Age of Agentic Commerce

Agentic commerce is revolutionizing the digital shopping experience. Walmart, Shopify, Etsy and others are offering ChatGPT-enabled shopping via the instant checkout features on their platforms. Things are just getting started: AI-driven agents are rapidly moving from assisting transactions to autonomously initiating and managing them—ushering in the era of agentic payments. In this new model, intelligent software can negotiate prices, trigger payments, rebalance liquidity, and settle obligations across networks without human input. For banks and payment providers, this represents both a technological and strategic inflection point: How do you design infrastructure, compliance, and customer interfaces for a world where payments are executed by autonomous agents 24/7?

This session explores the convergence of AI, real-time settlement, and tokenized money—and what it means for banks, processors, and networks as they prepare for a future of machine-to-machine commerce and self-directed financial flows. Agentic commerce will push banks and payments providers to evolve security in a number of ways, too, including more authentication and fraud prevention practices and shifting a merchant-focused business model to a consumer-facing one. Our panel will discuss how payment players need to enable the right agents to transact for customers, the shift from subscription models and card-on-file payments from merchants to consumer agents, and rethinking how they acquire new customers while retaining top-of-wallet status among consumers who are increasingly evaluating products through an agent.