Finance:Agentic commerce

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Short description: Form of automated electronic commerce

Agentic commerce (also referred to as agent-based commerce) describes an emerging form of e-commerce in which autonomous artificial intelligence (AI) agents independently execute purchasing and payment processes on behalf of users or organizations. Unlike conventional digital commerce systems, which require direct human interaction at key decision points, agentic commerce systems are designed to search for products or services, evaluate options, make purchasing decisions, and complete payments without real-time human involvement.

An emerging development within the broader fields of e-commerce, fintech, and artificial intelligence; agentic commerce combines advances in generative AI, autonomous agents, application programming interfaces (APIs), and digital payment infrastructures to direct transactions with no direct human interaction.[1]

Characteristics

A defining feature of agentic commerce is the delegation of end-to-end commercial activities to software agents. These agents typically operate according to predefined user preferences, rules, or constraints, such as price limits, quality criteria, delivery times, or preferred payment methods. Based on these parameters, an agent can autonomously perform tasks including product discovery, price comparison, contract selection, order placement, and payment execution.[2]

In contrast to decision-support systems, which provide recommendations to human users, agentic commerce systems are designed to act independently. Human involvement may be limited to initial configuration, periodic supervision, or exception handling.[3]

Comparison with traditional and AI-assisted commerce

Traditional e-commerce requires users to manually browse products, select offers, and authorize payments. Generative AI systems used in commerce commonly assist users by answering questions or suggesting options, and do not complete transactions autonomously.[4]

Agentic commerce differs in that decision-making authority is partially or fully transferred to AI agents. As a result, the conventional customer journey, characterized by conscious decision points, may be replaced by continuous, automated micro-decisions performed by software.[5][6]

Applications and business use cases

Potential applications of agentic commerce include recurring purchases, subscription management, business-to-business procurement, inventory replenishment, and price monitoring. In such contexts, transactions are often predictable and standardized, making them suitable for automation. From a business perspective, agentic commerce systems may be used to optimize supply chains, manage inventory levels, negotiate prices algorithmically, or execute transactions across multiple platforms.[7]

Enterprises adopting the new technology include retailers Walmart,[8] Home Depot, Wayfair and Urban Outfitters,[9] and ad tech DSPs, including Google Ads,[8] Amazon,[10] and Yahoo.[11] Chinese tech firms are using apps to provide full-service shopping and payment tools. These includes Alibaba, Tencent, and ByteDance who are currently developing AI powered shopping apps. The Qwen AI chatbot allows users to complete transactions directly within its interface. US firms are still leading in developing AI models but integration is slower due to privacy restrictions.[12]

Payments and technical infrastructure

Agentic commerce relies on digital payment systems capable of supporting automated, machine-initiated transactions, including API-based payment processing, tokenization, real-time authorization, and continuous risk monitoring.[13] Typical user interfaces, such as shopping carts, may be replaced by backend integrations between AI agents, merchants, and payment service providers.[7]

For merchants, participation in agentic commerce may require products and services to be presented in structured, machine-readable formats to ensure discoverability and interoperability with autonomous agents.[14]

Universal Commerce Protocol (UCP)

In January 2026, Google announced the Universal Commerce Protocol (UCP), an open-source web standard intended to enable interoperability between AI agents and retail systems across the shopping journey, from discovery and checkout to post-purchase support.[15][16][17][18] UCP makes use of REST, JSON-RPC transports, and support for Agent Payments Protocol (AP2), Agent2Agent (A2A), and Model Context Protocol(MCP).[19]

Legal, regulatory, and security considerations

The use of autonomous agents in commerce raises legal and regulatory questions, particularly regarding authorization, liability, consumer protection, and fraud prevention. Existing payment and contract frameworks are generally based on human decision-makers, and their applicability to autonomous agents remains an area of active discussion.[20]

Open issues include responsibility for unauthorized or erroneous transactions, mechanisms for dispute resolution, standards for agent authentication, and compliance with data protection and financial regulations. Continuous, automated transaction patterns may also require new approaches to security and risk assessment.[21]

Governance frameworks

The deployment of autonomous AI agents in commercial environments has prompted the development of dedicated governance frameworks. These aim to define operational boundaries, decision authority, oversight mechanisms, and accountability structures for agentic systems.

The Agentic Commerce Framework (ACF), created in 2025 by Vincent Dorange, is a governance standard that structures the deployment of autonomous AI agents around four founding principles (Decision Sovereignty, Governance by Design, Ultimate Human Control, Traceable Accountability), four operational layers, and 18 governance KPIs.[22]

In January 2026, Singapore's Infocomm Media Development Authority (IMDA) published the Model AI Governance Framework for Agentic AI, extending its existing AI governance guidelines to address agent-specific risks including delegation chains and multi-agent coordination.[23]

The Cloud Security Alliance (CSA) has also proposed an Agentic Trust Framework applying zero-trust principles to AI agent governance.[24]


Ecosystem and implementation

The adoption of agentic commerce typically requires changes in commerce architecture, data modeling, identity and permissions, and API-based orchestration of checkout and post-purchase workflows.[25]

Management consultancies have identified agentic commerce as a structural evolution of digital commerce, emphasizing the role of AI-driven agents in automating discovery, decision-making, and transaction processes across commerce systems. McKinsey & Company has described agentic commerce as a significant shift in how consumers interact with brands and how enterprises design their commerce operating models.[26]

In Europe, this ecosystem also includes digital commerce consultancies specializing in the adoption of agentic commerce. Consulting firms such as Horrea support brands in understanding and implementing the technological and organizational shifts associated with agentic commerce. [27]

Market development and outlook

Agentic commerce is generally regarded as an early-stage development. Industry analysts have projected that AI-driven agents could account for a small but growing share of digital payment transactions within the coming years. Due to the scale of global digital commerce, even limited adoption could represent substantial transaction volumes. Analysts expect that by 2029, AI agents could handle between 1% and 4% of all digital payment transactions. With a projected total transaction volume of over $36 trillion a year, even a small share translates into a market worth up to $1.47 trillion.[3] According to a McKinsey study from October 2025, agentic commerce projects that by 2030, the *U.S. business-to-consumer retail market alone could see up to $1 trillion in revenue orchestrated through agentic commerce. On a global scale, the opportunity could range from $3 trillion to $5 trillion.[5]

Early experiments and pilot projects have demonstrated both the potential and current limitations of the technology.[28] Major payment networks and technology providers have announced initiatives related to AI-enabled commerce, including agent-based tokenisation, data protection, and automated transaction management platforms.[29] Among them are Mastercard,[30] Visa,[31] Stripe,[32] Mollie[33] and Unzer.[34]

News coverage of UCP (Universal Commerce Protocol) characterized it as a foundational layer for scaling agentic commerce, positioning it as a standardized mechanism for AI assistants and conversational interfaces to initiate and complete purchases without requiring bespoke integrations for each merchant or agent system.[35][36][37] [38]

Further reading

Dusad, Krishna: "Agentic Commerce: The Paradigm Shift from Human-Mediated to Autonomous AI-Driven Transactions in Digital Payment Systems"; International Journal of Computational and Experimental Science and Engineering (November 2025)[39]

See also

References

  1. ↑ "Deep Dive: Agentic AI in Payments and Commerce: By Sam Boboev" (in en). 2025-06-08. https://www.finextra.com/blogposting/28635/deep-dive-agentic-ai-in-payments-and-commerce. 
  2. ↑ "Agentic Commerce Is Redefining Retail—Here's How to Respond" (in en). Boston Consulting Group. 2025-10-01. https://www.bcg.com/publications/2025/agentic-commerce-redefining-retail-how-to-respond. 
  3. ↑ 3.0 3.1 Cherukuri, Chandana (2025-06-08). "Agentic Payments-Next Frontier in Fintech". https://finsignals.substack.com/p/agentic-payments-next-frontier-in. 
  4. ↑ "The Benefits and Limitations of Generative AI: Harvard Experts Answer Your Questions | Harvard Online" (in en). https://www.harvardonline.harvard.edu/blog/benefits-limitations-generative-ai. 
  5. ↑ 5.0 5.1 Katharina Schumacher, Roger Roberts, Katharina Giebel (2025-10-17). "The agentic commerce opportunity: How AI agents are ushering in a new era for consumers and merchants". https://www.mckinsey.com/capabilities/quantumblack/our-insights/the-agentic-commerce-opportunity-how-ai-agents-are-ushering-in-a-new-era-for-consumers-and-merchants. 
  6. ↑ Boboev, Sam. "Deep Dive: Agentic AI in Payments and Commerce" (in en). https://www.fintechwrapup.com/p/deep-dive-agentic-ai-in-payments. 
  7. ↑ 7.0 7.1 Krishna Dusad (2025-11-14). "Agentic Commerce: The Paradigm Shift from Human-Mediated to Autonomous AI-Driven Transactions in Digital Payment Systems". International Journal of Computational and Experimental Science and Engineering 11 (4). doi:10.22399/ijcesen.4304. ISSN 2149-9144. https://ijcesen.com/index.php/ijcesen/article/view/4304. 
  8. ↑ 8.0 8.1 Ludmir, Clara. "Why Agentic Commerce Adoption Is Inevitable—And Who Might Lose From It" (in en). Forbes. https://www.forbes.com/sites/claraludmir/2026/02/16/agentic-commerce-adoption-is-inevitable-and-resisting-it-may-not-be-an-option/. 
  9. ↑ "3 retailers on their role in agentic AI experiences" (in en-US). Yahoo Finance. https://finance.yahoo.com/news/3-retailers-role-agentic-ai-145748734.html. 
  10. ↑ "Amazon edges deeper into agentic commerce with Rufus 'Auto Buy' function" (in en). 2025-11-14. https://www.emarketer.com/content/amazon-edges-deeper-agentic-commerce-rufus-auto-buy. 
  11. ↑ "As ad platforms launch agentic AI features, marketer distrust persists" (in en). 2026-01-07. https://www.emarketer.com/content/ad-platforms-launch-agentic-ai-features--marketer-distrust-persists. 
  12. ↑ Chin, Dylan Butts,Matthew (2026-01-21). "Chinese tech giants enter the 'agentic commerce' race as AI reshapes super apps" (in en). https://www.cnbc.com/2026/01/21/china-tech-ai-agentic-commerce-super-apps-alibaba-taobao-qwen-tencent-wechat-doubbao-weixin.html. 
  13. ↑ "Human-Not-Present: Agentic Commerce, Network Tokens and Payments" (in en-US). https://www.nmi.com/blog/human-not-present-agentic-commerce-network-tokens-and-payments/. 
  14. ↑ StartupValley (2025-11-06). "Übernimmt KI bald unseren gesamten Einkauf?" (in de). https://startupvalley.news/de/agentic-commerce-veraendert-den-handel-mit-ki-agenten/. 
  15. ↑ Elias, Jennifer (2026-01-11). "Google bolsters bet on AI-powered commerce with new platform for shopping agents" (in en). https://www.cnbc.com/2026/01/11/google-launches-universal-commerce-protocol-bets-on-ai-powered-retail.html. 
  16. ↑ "New tech and tools for retailers to succeed in an agentic commerce future". 2026-01-11. https://blog.google/products/ads-commerce/agentic-commerce-ai-tools-protocol-retailers-platforms/. 
  17. ↑ "Under the Hood: Universal Commerce Protocol (UCP)". 2026-01-11. https://developers.googleblog.com/under-the-hood-universal-commerce-protocol-ucp/. 
  18. ↑ "Building the Universal Commerce Protocol (2026)". 2026-01-11. https://shopify.engineering/ucp. 
  19. ↑ Toscano, Joe. "Google's Universal Commerce Protocol Signals The End Of Search-Based Shopping" (in en). Forbes. https://www.forbes.com/sites/joetoscano1/2026/01/22/googles-universal-commerce-protocol-signals-the-end-of-search-based-shopping/. 
  20. ↑ "Agentic Commerce Security: Protect Against AI Agent Threats". DataDome. https://datadome.co/agent-trust-management/agentic-commerce-security/. 
  21. ↑ Beij, Pascal (2025-08-01). "Agentic Commerce: Agentic Commerce: Wie KI den Handel revolutioniert" (in de). https://www.textilzeitung.at/business/news/agentic-commerce-agentiic-commerce-wie-ki-den-handel-revolutioniert-17057. 
  22. ↑ "ACF Standard — Agentic Commerce Framework". https://www.acfstandard.com/en/standard. 
  23. ↑ "New Model AI Governance Framework for Agentic AI". IMDA Singapore. https://www.imda.gov.sg/resources/press-releases-factsheets-and-speeches/press-releases/2026/new-model-ai-governance-framework-for-agentic-ai. 
  24. ↑ "The Agentic Trust Framework". Cloud Security Alliance. https://cloudsecurityalliance.org/blog/2026/02/02/the-agentic-trust-framework-zero-trust-governance-for-ai-agents. 
  25. ↑ "Under the Hood: Universal Commerce Protocol (UCP)". 2026-01-11. https://developers.googleblog.com/under-the-hood-universal-commerce-protocol-ucp/. 
  26. ↑ "The agentic commerce opportunity". https://www.mckinsey.com/capabilities/quantumblack/our-insights/the-agentic-commerce-opportunity. 
  27. ↑ "Horrea entre au capital de CosaVostra pour devenir le champion du “Creative Commerce”". 2024-11-21. https://www.presse-citron.net/horrea-entre-au-capital-de-cosavostra-pour-devenir-le-champion-du-creative-commerce/. 
  28. ↑ Zeff, Maxwell (2024-12-02). "The race is on to make AI agents do your online shopping for you" (in en-US). https://techcrunch.com/2024/12/02/the-race-is-on-to-make-ai-agents-do-your-online-shopping-for-you/. 
  29. ↑ Cherukuri, Chandana (2025-07-07). "Agentic Payments-Part 2". https://finsignals.substack.com/p/agentic-payments-part-2. 
  30. ↑ "Mastercard unveils Agent Pay, pioneering agentic payments technology to power commerce in the age of AI" (in en-US). https://www.mastercard.com/news/press/2025/april/mastercard-unveils-agent-pay-pioneering-agentic-payments-technology-to-power-commerce-in-the-age-of-ai/. 
  31. ↑ "Enabling AI agents to buy securely and seamlessly" (in en). https://corporate.visa.com/en/products/intelligent-commerce.html. 
  32. ↑ "Stripe launches the Agentic Commerce Suite to help every business thrive in the AI-enabled commerce era" (in de-DE). 2025-12-11. https://stripe.com/de/newsroom/news/agentic-commerce-suite. 
  33. ↑ Finanzmagazin, I. T.; Wolf, David (2025-11-26). "Mollie macht Händler bereit für KI-Payment mit ChatGPT" (in de). https://www.it-finanzmagazin.de/agentic-commerce-mollie-ki-basierte-payment-integration-chatgpt-236898/. 
  34. ↑ Volz, Maximilian (2025-08-22). "Unzer – Wie KI-Agenten bald eigenständig einkaufen und was daraus folgt" (in de-DE). https://brief.platow.de/banken/wie-ki-agenten-bald-eigenstaendig-einkaufen-und-was-es-bedeutet/. 
  35. ↑ "Google brings buy buttons to Gemini and AI search". The Verge. 2026-01-12. https://www.theverge.com/news/860446/google-ai-shopping-standard-buy-button-gemini. 
  36. ↑ "Google teams up with Walmart and other retailers to enable shopping within Gemini AI chatbot". Associated Press. 2026-01-12. https://apnews.com/article/f1679240ba93d40b90a97348b73039d3. 
  37. ↑ "Walmart expands AI-powered shopping with Google Gemini". Axios. 2026-01-11. https://www.axios.com/2026/01/11/walmart-google-gemini-ai-shopping. 
  38. ↑ Greeven, Mark. "Inside Alibaba’s Agentic Commerce Play: The End Of Search-And-Browse Shopping?" (in en). Forbes. https://www.forbes.com/sites/markgreeven/2026/02/14/inside-alibabas-agentic-commerce-play-the-end-of-search-and-browse-shopping/. 
  39. ↑ Krishna Dusad (2025-11-14). "Agentic Commerce: The Paradigm Shift from Human-Mediated to Autonomous AI-Driven Transactions in Digital Payment Systems". International Journal of Computational and Experimental Science and Engineering 11 (4). doi:10.22399/ijcesen.4304. ISSN 2149-9144. https://ijcesen.com/index.php/ijcesen/article/view/4304. 



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