Agentic commerce is revolutionizing online shopping by allowing AI agents to make purchases on consumers’ behalf, transforming how we buy products like jeans. Major payment companies, including Mastercard and Visa, are rolling out these features for the upcoming holiday season, emphasizing security amid potential fraud risks. While the technology promises seamless experiences, industry experts warn about vulnerabilities, including account takeovers and unauthorized purchases via compromised AI agents.
As firms like PayPal, Shopify, and Amazon test agentic tools, key challenges such as chargeback resolution and buyer’s remorse loom large. Experts believe that AI agents can personalize shopping by learning consumer preferences, but they may also increase return rates due to misunderstanding purchases.
The payments industry is primed for growth, with predictions suggesting 25% of e-commerce could be agent-driven by 2030, propelled by significant investment in AI technologies. Strong security frameworks are vital as agentic commerce becomes mainstream.
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