top of page

Agentic Payments & AI in 2026: Why Businesses Are Not Ready For This

As of now, the banks and payment providers are approaching AI with caution. Understanding and dealing with agents needs a lot of training and expertise, and it can be a massive risk to the classic systems. We have seen that banks have already increased scrutiny and are demanding more documentation on “AI-assisted” or “autonomous” flows.


When a merchant implements an AI tool, the processing can look almost identical to the traditional fraud pattern.


Where businesses see innovation, banks see a nightmare and raise reserves or even outright reject merchants experimenting with agentic integrations. This does not only hinder innovation but also cripples existing businesses who are just trying to follow the market trends.


Payment and banking influence customer experience, risk, technology, product design, data security, compliance, and financial performance, and function best when treated as a standalone strategic area rather than a back-office task. Organizations are already structuring agentic payments, but this needs specialised expertise to avoid disasters. Even though the biggest players already offer AI products, businesses need to be sure if this is bringing more benefit than harm to their specific case, as every activity, flow, and customer behaviour is unique.


That is why strategizing for payment and banking is more important than ever.


 
 
bottom of page