Daniel Kornitzer, Head of Global Partnerships, EBANX
with Daniel Kornitzer, Head of Global Partnerships, Ebanx
Daniel Kornitzer provides a comprehensive overview of where agentic commerce currently stands and how it is evolving across different levels of adoption.
He explains that the industry is largely in an experimental phase, with varying degrees of maturity among merchants. Importantly, he outlines that agentic commerce is not a binary concept but exists across a spectrum. At one end, it includes simple enhancements such as checkout autofill and AI-assisted product discovery, where humans remain in control. At the other end, it extends to full delegation, where AI agents independently execute purchases, and even anticipation, where agents act proactively based on contextual signals.
While the potential benefits include increased efficiency and improved customer experiences, Daniel highlights significant challenges. These include fraud risks, questions around liability, and the need for frameworks that define the authority given to AI agents. He suggests that future solutions may involve certification systems or insurance models to validate and secure agent activity.
From a consumer perspective, he notes that full delegation may face resistance, but hybrid models that combine automation with human oversight are likely to gain traction. Supporting this, research indicates that AI is already influencing a growing share of e-commerce transactions, with expectations of further expansion by 2030.
Daniel also points to emerging markets as potential early adopters, driven by their openness to innovation and the success of solutions that address real-world problems. Ultimately, he argues that the most effective approach will balance automation with control, allowing routine transactions to be automated while escalating exceptions for human review.
Sandra Mianda, Founder and CEO, Paypr.work
with Sandra Mianda, Founder & CEO, Paypr.work
Sandra Mianda offers a strategic perspective on how merchants and fintechs are approaching agentic commerce.
She identifies two distinct groups within the market: early adopters who are actively experimenting, and more cautious players who are observing developments before committing. Despite these differences, she emphasises that agentic commerce is not being ignored, with growing interest across the industry.
Sandra highlights the complexity behind the concept, noting that it involves multiple layers, from infrastructure and product design to protocols and standards. For merchants, this means rethinking how products are structured and presented so they can be effectively interpreted by AI systems, which operate differently from human decision-making processes.
She also stresses the importance of establishing trust frameworks, similar to those that underpin card payments today. Without standardisation and shared protocols, widespread adoption will remain limited.
In terms of timing, Sandra expects the industry to move from early experimentation to more tangible use cases in the near term, although full-scale adoption may take several years. She suggests that agentic commerce could evolve faster than previous innovations, but still requires foundational work before it becomes mainstream.
Consumer readiness is another key consideration. While some users may embrace AI-driven purchasing, others are likely to be hesitant, particularly for higher-value or more personal transactions. Factors such as price, product type, fraud protection and refund processes will play a significant role in shaping adoption.
Sandra concludes by emphasising the critical role of payment service providers, who must help build the underlying infrastructure, standards and interoperability needed to support this new model of commerce.
Marco Conte, VP of Product AI Data and Insights, IXOPAY
with Marco Conte, VP of Product, AI Data & Insights, Ixopay
Marco Conte focuses on the infrastructure and operational implications of agentic commerce.
He describes the current stage as early, with most merchants still in an information-gathering phase, while a smaller group is actively piloting solutions. He identifies sectors such as travel as potential early adopters, given their more complex customer journeys.
Marco explains that agentic commerce will fundamentally change how payments are executed, moving towards more conversational and streamlined interactions. Instead of traditional multi-step checkouts, users may simply confirm details through dialogue with an AI agent.
However, this shift introduces new challenges. He highlights the need to rethink fraud detection, liability models and the distinction between bots and legitimate agents. Existing payment strategies and operational models will need to evolve to accommodate these changes.
From a technology perspective, Marco emphasises the importance of payment service providers adapting to new entry points, such as agent-to-agent communication, rather than traditional checkout flows. He also underscores the growing role of orchestration, which can help manage complexity by providing an abstraction layer across multiple payment providers and protocols.
Overall, he expresses confidence that while there are still open questions, the industry will develop the necessary frameworks to support this transformation.
Kestas Saulis, Head of Payments, Nord Security
with Kestas Saulis, Head of Payments, Nord Security
Kestas Saulis reflects on the rapid acceleration of AI and its implications for agentic commerce.
He notes that developments have progressed faster than expected, making it increasingly challenging for businesses to keep pace. While Nord Security is actively engaging with the space, he acknowledges that agentic commerce is currently more relevant to retail than subscription-based digital services.
Kestas suggests that early adopters may gain an advantage by learning and adapting quickly, although they will also face greater risks, particularly around compliance and brand reputation.
Consumer adoption, in his view, will vary depending on the type of purchase. Routine or low-risk transactions are more likely to be delegated to AI agents, while more personal or considered purchases will continue to involve direct human decision-making.
He also highlights the importance of education, noting that consumers need to understand and trust these new systems before they can gain widespread acceptance.
For payment service providers, Kestas sees a critical role in building robust fraud prevention mechanisms and ensuring that merchants can distinguish between legitimate agents and malicious activity.
Vishal Shukla, Lead Product Manager, Tipico
with Vishal Shukla, Lead product Manager, Tipico
Vishal Shukla brings a regulatory and industry-specific perspective, particularly from the gambling sector.
He explains that payments in highly regulated environments must balance compliance, security and user experience. Regulation is not seen as a limitation but as a key design input that shapes payment architecture.
In the context of agentic commerce, Vishal notes that adoption is likely to be slower in gambling due to the importance of user control. Customers in this sector prefer to make their own decisions, particularly when it comes to placing bets or managing withdrawals.
He outlines the key components of an agent-ready checkout, which must cater to both human users and AI agents. This includes clear transaction flows, strong authentication and authorisation frameworks, and monitoring systems to track agent behaviour. Crucially, agents must only act within the boundaries defined by the user.
Vishal emphasises that payment service providers have a significant role to play in standardising these systems, much as they have done with technologies such as 3D Secure and tokenisation. Without this standardisation, the burden on merchants would be too great.
Conclusion
Across all interviews, a clear picture emerges of an industry at the early stages of a major transformation. Agentic commerce is generating significant interest, but remains in a phase of experimentation and discovery.
Key themes include the need for robust frameworks, evolving roles for payment providers, and the importance of balancing automation with control. While the potential is widely acknowledged, widespread adoption will depend on building trust, ensuring security and delivering tangible value to both merchants and consumers.
As the ecosystem continues to develop, collaboration across the industry will be essential in shaping the future of AI-driven commerce.
