AI can decide, but consumers still hesitate to hand it their card details. Agentic commerce is still emerging, but the trust gap is already shaping how pilots are built and how much payment autonomy AI is given.
We look at how these developments are unfolding and what they may foreshadow for the wider commerce ecosystem.
PayPal is building infrastructure to connect merchants to AI shopping platforms like ChatGPT and Gemini through a single integration, positioning itself as the layer between commerce and conversational AI.
The company argues this could level the playing field for small merchants by shifting discovery from ad-driven search to AI recommendations based on product fit.
In a sector where AI is promising a significant leap forward, financial institutions demand speed — with safety. Temenos has a track record of innovation and the customer trust to bring AI into the core of banking.
In this episode, CPO Sai Rangachari discusses why traditional technology providers are in a better position to help banks integrate AI than fintechs, how Temenos’ AI strategy could change the way we experience retail banking, and where he sees traditional providers’ competitive advantage.
Major banks like Bank of America, Citizens, and JPMorgan are actively deploying Gen AI tools for employee productivity, but nearly 70% of AI use cases don't have any reported outcomes or measurable ROI.
The lack of results stems from difficulty separating Gen AI progress from overall growth, challenges in mapping cost impacts from internal efficiency gains, and an inability to translate the AI hype into consumer and societal impact.
Traditional automation has helped with repetitive tasks, but often falls short when workflows get complex or unpredictable. In addition, key data remains siloed.
Intuit is tackling this issue by embedding AI agents directly into QuickBooks, supporting core functions like payments, accounting, finance, and customer support to better serve SMBs.
