The digital payments landscape is evolving as AI-driven autonomous agents start to make purchases, changing traditional fraud detection systems. Historically, online systems aimed to verify human interactions, now they must adapt to validate AI transactions. Projected chargebacks are expected to rise significantly by 2028, highlighting the urgent need for robust security frameworks, especially in emerging markets that are leveraging mobile-first technology. Companies like EBANX are at the forefront, collaborating on the Agent Payments Protocol (AP2) to secure AI-led transactions globally. The payment industry is innovating multi-layered authentication and using AI for real-time fraud detection and transaction optimization. This transition to AI not only enhances transaction processing but also boosts financial inclusion, enabling access to services for underserved populations. As emerging markets capitalize on these advancements, they reshape the future of digital commerce, urging established sectors to rethink systems in a rapidly changing ecosystem.
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