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.

Digital wallets are rapidly becoming the primary interface for consumer spending, digital identity, loyalty and emerging real-time and tokenized payment rails. As the financial industry moves into 2026, the acceleration of wallet adoption is no longer a trend at the margins—it’s reshaping the economics, customer relationships, and competitive dynamics of retail and commercial banking. This panel brings together leaders from banking, payments, fintech, and big tech to unpack what’s driving the surge and how banks must respond.

The panel will delve into the drivers behind wallet dominance, the shift from card rails to platform- and real-time-centric payments, how wallets are rewriting the bank-customer relationship, and the strategic implications for banks and the priority to establish wallet-first customer strategies. Bankers will leave with a clear understanding of the forces accelerating digital wallet adoption, the threats and opportunities it creates for banks, and a pragmatic framework for building wallet-ready capabilities and partnerships that strengthen customer engagement rather than weaken it.

The global financial services industry is at a pivotal moment. Faster ways to move money, evolving customer expectations, and rapid advances in artificial intelligence and distributed ledger technology are transforming how banking operates. Over the next five to ten years, financial institutions must evolve beyond processing transactions to become smarter, continuously operating platforms that learn over time within an increasingly networked financial ecosystem. In this session, we’ll explore how banks can stay competitive with fintechs and technology companies by enabling instant, secure, and seamless payments while also unlocking the power of data to deliver insights that help clients combat fraud, grow their businesses, and improve working capital management.

The Phone Is the Platform: How Mobile Is Redefining Payments

What began as a convenient alternative to physical cards has become something far more ambitious. Mobile devices–and digital wallets–have quietly become the most powerful point of sale in history. Phones are transforming acceptance, enabling new merchant experiences, and reshaping expectations for security, flexibility, and speed across the payments landscape.

Kim Fitzsimmons is an accomplished payments executive with the vision, drive and passion to help companies grow and achieve sustainable results. She joined Talus in 2020.

At financial services giant J.P. Morgan, Fitzsimmons served as president of global merchant services. She was chief executive officer of Cynergy Data prior to its merger with Priority Payment Systems and held several leadership positions, including North American president of merchant services and community banks, during a long tenure with First Data. A principal and co-founder of EFS Card Services, Fitzsimmons began her 30-year payments career with Concord EFS.

Voted one of the top 100 Global Sales Leaders of 2020 by The Modern Sale, Fitzsimmons has been named as one of the Industry’s Most Influential Women in Payments by American Banker four times and has received a Lifetime Achievement Award from the Midwest Acquirers Association (MWAA). She has also served as president of both the Electronics Transactions Association (ETA) and PayTech Women (formerly Wnet). 

Fitzsimmons earned a degree in business administration from the University of Mississippi (Ole Miss). She serves on the Ole Miss Business School board of advisors and volunteers for the school in a wide variety of capacities.

Eynat Guez is a leading expert and entrepreneur in global payroll, payments, and global workforce management with over 20 years of experience. As co-founder and CEO of Papaya Global ($3.7B valuation), her focus is on fixing technology gaps in payroll for enterprise companies with growing global workforces. Guez is implementing her vision for modernizing payroll and payments by replacing decades-old methods with a single end-to-end embedded solution that mirrors consumer financial transactions. Fortune recently named Guez as one of the 15 most powerful women in tech, and FinTech Magazine recognized her as a Top 10 founder-CEO.