Agentic Commerce & AI Payments
Mena Advisory helps financial institutions, merchants, and technology firms understand and navigate the emerging landscape of agentic commerce — where artificial intelligence agents autonomously initiate, authorise, and complete payments on behalf of consumers and businesses.
What Is Agentic Commerce?
Agentic commerce refers to the use of AI-powered agents to manage commercial transactions without continuous human involvement. These agents can browse products, compare prices, negotiate terms, and execute payments — fundamentally changing how value is exchanged in digital environments. From personal AI assistants managing subscriptions to enterprise agents procuring supplies, agentic commerce is reshaping the buyer-seller relationship.
The Payments Challenge
As AI agents become transactional actors, the payments industry must adapt. Traditional payment authorisation flows assume a human at the point of decision. Agentic commerce demands new frameworks for machine-to-machine payments, delegated authorisation, spending controls, and auditability. Financial institutions and payment networks must rethink identity, consent, and liability in an agent-driven economy.
Our Advisory Services
Agentic Payment Strategy
We help organisations define their strategic response to agentic commerce, including product development roadmaps, partnership strategies, and go-to-market positioning for AI-native payment capabilities.
Technical and Regulatory Readiness
We assess the technical and regulatory requirements for supporting agentic payments, including API architecture, tokenisation, delegated credentials, and compliance with PSD3, open banking regulations, and emerging AI governance frameworks.
Use Case Development
We identify and prioritise high-value agentic commerce use cases for clients, from B2C subscription management and retail AI shopping agents to B2B procurement automation and treasury operations.
Ecosystem and Partnership Advisory
We advise on the evolving ecosystem of AI platforms, payment orchestrators, and infrastructure providers enabling agentic commerce — helping clients identify strategic integration and partnership opportunities.
Why This Matters Now
The convergence of large language models, open banking APIs, and programmable payments infrastructure is creating the conditions for widespread agentic commerce adoption. Organisations that understand this shift early will be best positioned to capture the commercial opportunity and manage the associated risks.
Ready to explore agentic commerce and AI payments strategy for your organisation? Contact our team today.