Agentic Payments: Trust, Authentication, and Liability

A panel of fintech investors and payment executives examines the emerging landscape of agentic payments, where AI agents may transact on behalf of consumers. The discussion focuses on trust, security, authentication, authorization, and liability challenges that arise as adoption grows. It also considers how banks, networks, merchants, and startups can collaborate to enable safe and interoperable agent-initiated commerce.

■ Trust, fraud, and identity
- Consumer trust in agent-initiated payments
- Authentication, authorization, chargebacks, friendly fraud, and KYC/KYA/KYH

■ Ecosystem roles and liability
- Amex ACE toolkit, Plaid data connectivity, and industry standards
- Responsibility, risk mitigation, and customer protection when agent transactions fail

■ Startup advice and fairness
- Software/data vs. balance-sheet/insurance opportunities
- Fair access to tickets, reservations, and goods; flexibility and market listening

This discussion suits fintech professionals, payment product managers, developers, investors, and startup founders exploring agentic commerce. Viewers gain a structured overview of the trust, identity, and liability questions shaping agentic payment adoption and can identify areas for further research or product development.