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Bots in the Back Office: Agentic AI and Commercial Payments

Agentic artificial intelligence stands to reshape commercial payments, from sourcing to settlement. Accordingly, banks, enterprise resource planning providers, and fintechs would be wise to take a page from the playbook Visa and Mastercard are n...

Stablecoins, the Agentic Secret Sauce

Although it may sound like the ultimate marketing pitch combining two very hyped technologies, a very real overlap exists between the rise of agentic commerce and blockchain. This connection will become more apparent as AI-powered buying matures...

The Proxy Economy: AI Agents and the Payment Stack

For technology leaders at financial institutions, the change in assumptions brought about by agentic commerce—removing people from transactions—also changes how systems are designed. Trust, control, and verification requirements are fundamentall...

Agentic Commerce and Merchants: Get Ready for a New Reality—and Some Turbulence

  • Impact Note
  • Date: May 13, 2025
  • Author(s): Don Apgar
  • Research Topic(s): Merchant
AI-powered agentic commerce could represent a fundamental recasting of the purchasing dynamic, which has always put ultimate decision-making in the hands of consumers. Transforming that carries big implications for merchants, most notably the im...

Agentic Commerce: The Payments Are Here, but Are the Agents Ready?

Shifting purchase and payment behavior, as agentic commerce stands to do, is a risky business. As the role of agents in purchasing decisions and payments comes to the fore, expect business-to-business applications to take root ahead of consumer ...

How Will Agentic Commerce Affect Consumer Credit?

  • Impact Note
  • Date: May 13, 2025
  • Author(s): Ben Danner
  • Research Topic(s): Credit
Recent product announcements from leaders in the payments industry demonstrate the excitement surrounding new AI technologies. AI isn’t just a buzzword anymore, and AI-powered personal shopper experiences, dubbed “agentic commerce,” will be arri...

Prepaid Is Positioned to Bridge Gaps in Agentic Commerce

Announcements from Visa and Mastercard about the imminence of AI-driven purchasing agents that will act on behalf consumers have made a big splash. But underneath the dazzling view of the near future are a lot of details that have to be worked o...

How Accountants Shape Business Finances, And What Banks Can Do to Help

Running a small business starts out as a personal endeavor, but sooner or later complexity creeps in and an accountant is brought on board. Yet there’s no playbook for how to manage access and entitlements, and many business owners throw up thei...

Commercial Payments Factbook

Explore a comprehensive view of the U.S. commercial payments market. This report breaks down $175 trillion in real-economy transactions, revealing where growth is happening by sector, segment, instrument type, and provider. It also offers sector...

Fake Deals, Real Trouble: Cyber Risks in Online Marketplaces

Online purchasing continues to flourish, as brick-and-mortar options have dwindled in a post-pandemic economy. Larger e-commerce brands, such as Amazon and eBay, are targeted by cybercriminals to veil malicious sales, which poses increasing risk...
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