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.
