[{"data":1,"prerenderedAt":700},["ShallowReactive",2],{"uc-agentic-payment-initiation":3,"uc-regulations":497},{"useCase":4,"evidence":229,"blitsAiDeployments":390,"benchmarks":391,"indicative":392,"related":395,"indexability":495,"includeUnpublished":235},{"title":5,"shortTitle":6,"seoTitle":7,"metaDescription":8,"status":9,"definition":10,"aliases":11,"industries":16,"functions":20,"patterns":24,"channels":27,"audience":33,"autonomy":34,"adoptionStage":35,"segment":36,"problem":37,"problemStats":38,"howItWorks":48,"valueDrivers":49,"kpis":54,"indicativeValue":61,"macroEstimates":102,"feasibility":107,"implementation":122,"risk":173,"blitsAi":203,"faq":205,"related":218,"datePublished":224,"dateModified":224,"lastVerified":224,"changelog":225,"slug":228},"AI agent for payment initiation within a customer mandate","Agentic payment initiation","Agentic payments: AI agents that pay on mandate","An AI agent pays for the customer within limits they set. See live pilots by Santander, ING and DBS with Mastercard Agent Pay, plus the controls banks need.","published","An AI agent that initiates and completes payments or purchases on a customer's behalf, within a mandate the customer set in advance (spending caps, allowed merchants or categories, a tokenized credential and rules for when to ask for confirmation), and then confirms and reconciles every transaction it made.",[12,13,14,15],"agentic payments","agent initiated payments","delegated payments agent","AI agent checkout",[17,18,19],"payments","banking","retail-and-ecommerce",[21,22,23],"customer-service","sales","operations",[25,26],"agentic-workflow","conversational-agent",[28,29,30,31,32],"mobile-app","web-chat","whatsapp","voice","api","customer-facing","supervised-agent","emerging","front-office","AI assistants have become good at finding things: the right product, the cheapest ticket, the\nbill that is due. The moment money has to move, they stop. The customer is sent to a checkout\npage, types in card details, passes a one time passcode and may give up before paying. Recurring chores such\nas paying a service charge, topping up a transit card or reordering groceries still need a human\nat every step.\n\nLetting software pay on someone's behalf is not new (standing orders, card on file, merchant\ninitiated payments), but those rails assume a fixed amount or a known merchant. An AI agent picks\nthe merchant, the item and the amount itself. That raises questions the existing rails do not\nanswer: did the customer actually authorise this purchase, can the issuer and merchant tell a\nlegitimate agent from a bot, who carries the loss when the agent buys the wrong thing, and how does\nthe customer see and undo what the agent did. Card networks, wallets and banks are now piloting\nanswers: an explicit mandate, a credential issued per agent, authentication at the right moment\nand a record of what was authorised.\n\nThis page covers the payment step. Helping a shopper discover and compare products is covered by\nthe conversational shopping assistant page; servicing an existing account or card (blocks, limits,\nstatements) is covered by the account and card servicing page.",[39,44],{"statement":40,"sourceTitle":41,"sourceUrl":42,"year":43},"Visa's Trust Index, a Harris Poll survey of U.S. consumers in May 2026, found that only 23% of U.S. consumers trust generative AI to handle payment transactions on their behalf.","New Visa Research Finds Consumer Trust is Accelerating the Path to Agentic Commerce","https://usa.visa.com/about-visa/newsroom/press-releases.releaseId.22736.html",2026,{"statement":45,"sourceTitle":46,"sourceUrl":47,"year":43},"In Visa's Business to AI report with Morning Consult, 60% of Americans said they would not allow AI to spend any amount without approval, and only 27% were comfortable letting AI spend autonomously without limits.","Visa Defines the Next Era of Commerce: When AI Becomes the Customer","https://usa.visa.com/about-visa/newsroom/press-releases.releaseId.22266.html","1. **Set the mandate.** The customer tells the agent what it may do: a budget or a cap per\n   transaction and per period, allowed merchants or categories, which card or account to use and\n   when it must ask first (for example above a set amount, for a new merchant, or always). The\n   mandate is stored as structured data, not as a line in a prompt.\n2. **Bind a credential to the agent.** The issuer or wallet provisions a tokenized credential for\n   this agent only, so the real card number never reaches the agent, and the token can be limited,\n   paused or revoked on its own.\n3. **Find and decide.** The agent searches, compares and builds the purchase (a product, a ticket, a\n   ride, a bill payment) and checks it against the mandate before anything is paid.\n4. **Confirm when the rules say so.** Inside the mandate the agent proceeds; outside it, or where\n   the mandate requires it, the agent asks the customer, who approves with strong authentication\n   such as a passkey or app confirmation.\n5. **Pay through the rails.** The agent submits the payment through the network, wallet or payment\n   service provider with identifiers that mark it as agent initiated, so the issuer and merchant\n   can see who acted and the issuer can still authorise or decline.\n6. **Confirm and reconcile.** The agent tells the customer what it bought, for how much and from\n   whom, matches the authorisation, capture and any refund against the order, and logs the\n   mandate, the decision and the payment as one record for disputes and audit.",[50,51,52,53],"customer-experience","revenue-growth","risk-reduction","speed",[55,56,57,58,59,60],"conversion-rate-uplift","automation-rate","users-served","interactions-handled","fraud-loss-reduction","customer-satisfaction",{"referenceOrg":62,"inputs":63,"formula":97,"currency":98,"period":99,"resultLabel":100,"caveat":101},"An online retailer with 2 million orders a year",[64,70,77,84,91],{"key":65,"label":66,"low":67,"high":67,"unit":68,"note":69},"orders","Online orders per year",2000000,"orders per year","The reference retailer.",{"key":71,"label":72,"low":73,"high":74,"unit":75,"note":76},"agentShare","Share of shoppers who buy through an AI agent",0.005,0.03,"fraction of orders","Editorial assumption, replace with your own. No deployment on this page has published a share of orders completed by an AI agent: the cited deployments are pilots and single milestone transactions. The Mastercard figure elsewhere on this page is a 2030 forecast about the share of shoppers who will use AI agents routinely, not a measured share of orders today, so it is not a benchmark for this input.",{"key":78,"label":79,"low":80,"high":81,"unit":82,"note":83},"incrementalShare","Share of agent orders that would otherwise be lost",0.1,0.3,"fraction of agent orders","Editorial assumption for orders that would have been abandoned or placed with a competitor without agent checkout. Replace with your own test results.",{"key":85,"label":86,"low":87,"high":88,"unit":89,"note":90},"averageOrderValue","Average order value",60,90,"USD per order","Editorial assumption. Replace with your own figure.",{"key":92,"label":93,"low":81,"high":94,"unit":95,"note":96},"grossMargin","Gross margin",0.4,"fraction of order value","Editorial assumption for a general online retailer. Replace with your own margin.","orders * agentShare * incrementalShare * averageOrderValue * grossMargin","USD","per year","Incremental gross margin from orders completed by AI agents","Gross margin on incremental orders only. It leaves out the cost of integrating with agent platforms and payment networks, fees charged by agent platforms, returns and disputes on agent orders, and cannibalisation of orders that would have come through the retailer's own site.",[103],{"statement":104,"sourceTitle":105,"sourceUrl":106,"year":43},"A Mastercard report based on four futurists' predictions expects more than one in ten online shoppers to routinely use AI agents to purchase products on their behalf by 2030.","Mastercard report predicts that one in 10 people will routinely use AI agents to shop and pay by 2030","https://newsroom.mastercard.com/news/europe/en/newsroom/press-releases/en/2026/mastercard-report-predicts-that-one-in-10-people-will-routinely-use-ai-agents-to-shop-and-pay-by-2030/",{"complexity":108,"complexityNote":109,"dataPrerequisites":110,"integrations":115},"high","The agent itself is the easy part. The work is in the payment plumbing (tokenized credentials per agent, network agent programmes, wallet or PSP integration), in storing and enforcing the mandate outside the model, in authentication that fits both regulation and the customer's patience, and in a dispute process for purchases the customer did not expect.",[111,112,113,114],"A mandate model per customer (caps, periods, merchants or categories, confirmation rules) stored as structured data","Product, price and availability data from merchants in a form agents can read, or access to agent enabled catalogs","Order, authorisation, capture and refund events from the payment provider for reconciliation","Dispute and chargeback history to calibrate confirmation thresholds",[116,117,118,119,120,121],"Card network agent programmes or wallet agent services for agent tokens and agent identification","Payment service provider or acquirer (authorisation, capture, refunds, webhooks)","Issuer or bank authentication (passkeys, app confirmation, one time passcode)","Merchant catalogs and order management systems, directly or through agent commerce protocols","Customer notification channels (app push, messaging, email) for confirmations and receipts","Ledger or order system for reconciliation and dispute evidence",{"steps":123,"guardrails":142,"humanInTheLoop":149,"kpisToInstrument":150,"failureModes":157},[124,127,130,133,136,139],{"title":125,"detail":126},"Start with narrow, repeatable purchases","Pick journeys where the item and merchant are predictable and the harm of a mistake is small: reorders, top ups, tickets from one venue, recurring bills. Leave open ended shopping across unknown merchants for later.",{"title":128,"detail":129},"Model the mandate before the agent","Write the mandate as data: cap per transaction, cap per period, allowed merchants or categories, currency, expiry and the confirmation rule. Enforce it in code at payment time, so a clever prompt cannot talk the agent past a limit.",{"title":131,"detail":132},"Use tokens and agent identifiers, never raw card data","Issue a credential per agent through the network, wallet or PSP, keep card numbers out of the conversation and the model, and send the identifiers that mark the payment as agent initiated so issuers and merchants can see it.",{"title":134,"detail":135},"Put confirmation where the risk is","Ask for explicit approval with strong authentication for the first purchase, a new merchant, anything above the threshold or anything the agent is unsure about. Use authorise then capture so a purchase can still be stopped before money settles.",{"title":137,"detail":138},"Close the loop on every transaction","Send a receipt in the customer's channel, reconcile authorisation, capture and order, and keep the mandate, the agent's reasoning and the payment together as one record for disputes.",{"title":140,"detail":141},"Test the limits, not just the happy path","Build a test set that tries to exceed caps, switch merchants, repeat payments, inject instructions through product pages and pay in the wrong currency, and run it on every change to the agent or its tools.",[143,144,145,146,147,148],"Mandate limits (amount, period, merchant or category, currency, expiry) enforced in code at payment time, outside the model","Explicit customer confirmation with strong authentication above the threshold, for new merchants and for the first purchase","Tokenized credentials per agent that can be paused or revoked on their own; no card numbers in prompts or logs","Idempotency keys and velocity limits so a retry or loop cannot pay twice","A tool policy that lets the agent call only the payment and catalog tools it needs","Prompt injection checks on content the agent reads from merchant pages and product data","The customer is the human in the loop: they set the mandate, approve anything outside it and can pause or revoke the agent at any time. Inside the organization, payments and fraud teams own the mandate rules and thresholds, review disputes on agent purchases every week and approve every new merchant category or payment type before the agent can use it.",[151,152,153,154,155,156],"Completed agent purchases and the share that needed customer confirmation","Mandate breaches blocked by the payment layer (should be caught there, never by the customer)","Dispute and refund rate on agent purchases compared with the same customers' own purchases","Fraud losses on agent tokens compared with other card not present spend","Reconciliation breaks between order, authorisation and capture","Customer satisfaction and revocation rate of mandates",[158,161,164,167,170],{"title":159,"detail":160},"The agent buys the wrong thing within its limits","A purchase that is technically allowed but not what the customer wanted, such as the wrong size or a near duplicate. Keep caps tight at first, confirm new merchants and items, and make cancellation and refunds one step away.",{"title":162,"detail":163},"Mandates enforced only in the prompt","Limits written as instructions to the model can be ignored or talked around. Enforce them in the payment service, which rejects any request outside the mandate whatever the agent says.",{"title":165,"detail":166},"Injection through merchant content","A product page or review tells the agent to pay elsewhere or buy more. Treat everything the agent reads as untrusted, restrict payees to the mandate and screen tool inputs.",{"title":168,"detail":169},"Confirmation fatigue","If the agent asks for approval on every purchase, customers stop using it; if it never asks, trust breaks on the first mistake. Tune thresholds per journey using dispute and satisfaction data.",{"title":171,"detail":172},"No trail when a dispute comes","Without the mandate, the confirmation and the agent's decision stored with the payment, the issuer and merchant cannot resolve a chargeback. Log them together from day one.",{"euAiAct":174,"regulations":177,"guidance":184,"controls":195,"incidents":202},{"tier":175,"basis":176},"limited","A customer facing agent must make clear that people are dealing with AI, unless that is obvious from the context (Article 50). Initiating payments within a customer's mandate is not listed in Annex III. It becomes high risk if the same agent evaluates creditworthiness, for example by deciding on a buy now pay later or credit line at checkout (Annex III point 5(b)).",[178,179,180,181,182,183],"eu-ai-act","eu-psd2","gdpr","pci-dss","dora","uk-consumer-duty",[185,191],{"title":186,"issuer":187,"region":188,"url":189,"note":190},"Regulation (EU) 2024/1689 (AI Act), Article 50: transparency obligations for providers and deployers of certain AI systems","European Union","europe","https://eur-lex.europa.eu/eli/reg/2024/1689/oj","People must be informed that they are interacting with an AI system unless this is obvious from the context.",{"title":192,"issuer":187,"region":188,"url":193,"note":194},"Commission Delegated Regulation (EU) 2018/389 on strong customer authentication and common and secure open standards of communication","https://eur-lex.europa.eu/eli/reg_del/2018/389/oj","Sets the technical requirements for strong customer authentication, including dynamic linking to the amount and payee, and the exemptions from it, which shape whether a customer must authenticate at the mandate, at each agent payment or both.",[196,197,198,199,200,201],"AI disclosure and a clear statement of what the agent may buy, for how much and with which credential","Mandate records with customer authentication, versioning and expiry","Audit trail that links mandate, confirmation, agent decision and payment for every transaction","Per agent token lifecycle management (issue, limit, pause, revoke)","Dispute and refund handling for agent purchases with defined liability between issuer, merchant and agent provider","Regression tests on mandate enforcement and injection resistance before every release",[],{"howToBuild":204},"On Blits.ai the payment step runs as an **agentic workflow** with a **tool execution policy**\nthat limits the agent to the catalog, payment and notification tools it needs. **Custom\nfunctions** call the merchant, wallet or bank APIs and check each request against the customer's\nmandate, which is stored as data rather than in the prompt. Payments go through the platform's\npayment service with **Stripe, Mollie, Adyen or Qi**, using **authorize then capture** as the\napproval step, **card tokenization** at the provider, **per tenant amount ceilings, currency\nallowlists, idempotency keys and velocity limits**, and **signature verified webhooks** that keep\npayment status in sync for reconciliation. Customer specific caps and merchant rules sit in the\ncustom functions on top of those platform limits.\n\n**Human in the loop confirmation** above a configurable threshold holds agentic actions until an\nauthorised operator approves or rejects them, and the payment layer refuses payments above the\ntenant threshold. Confirmation by the customer in the conversation is built in the custom\nfunctions or flows. **Agentic tasks** handle deferred instructions that wait for a condition, with\nscheduled rechecks, expiry and a dry run mode that plans without acting. The same agent works in **web chat,\nWhatsApp and voice**, and in your own mobile app through the **REST or WebSocket API channel**.\nCard numbers typed in chat are detected and tokenized at the\ngateway, **guardrails** screen prompt injection, and every run has an **audit trail** with\ntamper evident logging of payment events. **Test suites** replay attempts to break the mandate on\nevery change, **monitors** check the flow on a schedule, and the platform is model agnostic with\nEU and UAE data residency.",[206,209,212,215],{"question":207,"answer":208},"How is agentic payment initiation different from an AI shopping assistant?","A shopping assistant helps a customer find and compare products and then hands over to a basket or checkout. Agentic payment initiation is the next step: the agent actually pays, using a credential and a mandate the customer set, and confirms and reconciles the payment. Many deployments combine both, but the controls for moving money are different.",{"question":210,"answer":211},"Is anyone doing this live yet?","Mostly as pilots. Banco Santander and Mastercard ran a live agent executed payment, ING, Worldline and Mastercard completed an agentic payment in production in the Netherlands, and Mastercard, DBS and UOB completed a transaction in Singapore in which an AI agent booked and paid for a ride. PayPal launched checkout inside Perplexity for U.S. users in November 2025, with the shopper completing checkout in the chat. None of them has published volumes or outcome figures.",{"question":213,"answer":214},"Does the customer have to approve every payment?","Not necessarily. The customer sets a mandate, and the agent pays within it; approval with strong authentication is required above a threshold, for new merchants or whenever the mandate says so. Surveys show why this matters: in Visa's research, 60% of Americans would not let AI spend any amount without approval, and in the ING and DBS pilots the customer explicitly approved the purchase.",{"question":216,"answer":217},"How does strong customer authentication work when an agent pays?","Current pilots authenticate the customer when the mandate or purchase is confirmed, for example with passkeys, and use a tokenized credential issued to the agent. Whether later payments within a mandate need their own authentication under PSD2 depends on how the payment is structured, so settle it with the issuer and your legal team before launch.",[219,220,221,222,223],"conversational-shopping-assistant","account-and-card-servicing-agent","real-time-fraud-scoring","card-dispute-and-chargeback-intake","ledger-and-payment-reconciliation","2026-09-27",[226],{"date":224,"note":227},"First published","agentic-payment-initiation",[230,260,280,305,328,351,371],{"title":231,"useCases":232,"organization":233,"vendors":237,"summary":244,"stage":245,"year":43,"channels":246,"languages":247,"metrics":248,"outcomeDisclosed":235,"sources":249,"verification":254,"grade":257,"id":258,"organizationSlug":259},"Banco Santander: first live payment executed by an AI agent in Europe, with Mastercard Agent Pay",[228],{"name":234,"anonymized":235,"country":236,"region":188,"industry":18},"Banco Santander",false,"ES",[238,241],{"name":239,"role":240},"Mastercard","platform",{"name":242,"role":243},"PayOS","integrator","Banco Santander and Mastercard announced a live payment from start to finish that was initiated and executed by an AI agent, run in a controlled environment through Santander's live payments infrastructure using Mastercard Agent Pay, with PayOS orchestrating the transaction. The model lets agents pay on behalf of customers within predefined limits and permissions, and the aim was to validate the bank's operational and control framework under real conditions. The release calls it a pilot that is not a commercial rollout; Santander will now move into extended testing and scaling. No outcome figures are disclosed.","pilot",[],[],[],[250],{"url":251,"title":252,"publisher":253},"https://newsroom.mastercard.com/news/europe/en/newsroom/press-releases/en/2026/santander-and-mastercard-complete-europe-s-first-live-end-to-end-payment-executed-by-an-ai-agent/","Santander and Mastercard complete Europe's first live end-to-end payment executed by an AI agent","Mastercard Newsroom",{"level":255,"checkedAt":256},"source-verified","2026-09-26","B","santander-mastercard-agent-pay-live-payment",null,{"title":261,"useCases":262,"organization":263,"vendors":266,"summary":270,"stage":245,"year":43,"channels":271,"languages":272,"metrics":273,"outcomeDisclosed":235,"sources":274,"verification":278,"grade":257,"id":279,"organizationSlug":259},"ING: agentic card payment in production with Worldline and Mastercard",[228],{"name":264,"anonymized":235,"country":265,"region":188,"industry":18},"ING","NL",[267,269],{"name":268,"role":240},"Worldline",{"name":239,"role":240},"Worldline, ING and Mastercard completed a live agentic card payment in production between an ING cardholder and a merchant in the Netherlands, on infrastructure that also runs in Belgium. A merchant's AI agent found concert tickets within a defined budget, presented a selection and paid only after the shopper gave explicit approval. The transaction carries identifiers that mark it as agentic, so ING as issuer keeps control through authentication and authorisation. The parties call it a pilot and name recurring transactions and delegated purchases within predefined parameters as next use cases. No outcome figures are disclosed.",[],[],[],[275],{"url":276,"title":277,"publisher":253},"https://newsroom.mastercard.com/news/europe/en/newsroom/press-releases/en/2026/worldline-ing-and-mastercard-complete-a-live-end-to-end-european-agentic-payment-in-production/","Worldline, ING and Mastercard complete a live end-to-end European agentic payment in production",{"level":255,"checkedAt":224},"ing-worldline-agentic-payment-in-production",{"title":281,"useCases":282,"organization":283,"vendors":287,"summary":290,"stage":291,"year":292,"channels":293,"languages":294,"metrics":296,"outcomeDisclosed":235,"sources":297,"verification":303,"grade":257,"id":304,"organizationSlug":259},"PayPal: Instant Buy checkout inside Perplexity's shopping agent",[228],{"name":284,"anonymized":235,"country":285,"region":286,"industry":17},"PayPal","US","north-america",[288],{"name":289,"role":240},"Perplexity","In November 2025 PayPal enabled U.S. users of Perplexity's shopping experience to check out with PayPal without leaving the answer engine, from merchants such as Abercrombie & Fitch, Ashley Furniture, Fabletics, Adorama and Newegg. PayPal's agentic commerce services sync merchant catalogs and let merchants accept agent originated payments with their existing PayPal setup, while the retailer stays merchant of record and transactions pass PayPal's fraud screening, identity verification and purchase protection. No volumes or conversion figures are disclosed.","production",2025,[29],[295],"en",[],[298],{"url":299,"title":300,"publisher":301,"date":302},"https://newsroom.paypal-corp.com/2025-11-PayPal-and-Perplexity-Launch-Instant-Buy","PayPal and Perplexity Launch Instant Buy Ahead of Black Friday","PayPal Newsroom","2025-11-25",{"level":255,"checkedAt":256},"paypal-perplexity-instant-buy",{"title":306,"useCases":307,"organization":308,"vendors":311,"summary":312,"stage":245,"year":292,"channels":313,"languages":314,"metrics":315,"outcomeDisclosed":235,"sources":316,"verification":325,"grade":257,"id":326,"organizationSlug":327},"Visa: Intelligent Commerce pilots with agent initiated consumer and B2B purchases",[228],{"name":309,"anonymized":235,"country":285,"region":310,"industry":17},"Visa","global",[],"Visa reported in December 2025 that hundreds of controlled, real world agent initiated transactions had been completed with partners in its Visa Intelligent Commerce programme. In the United States, closed beta pilots with agent enablers Skyfire, Nekuda, PayOS and Ramp executed consumer purchases and, in Ramp's case, corporate bill payments by card. In the UAE, Visa is working with Aldar so customers can use AI agents to pay recurring fees such as real estate service charges. In its June 2026 announcement with OpenAI, Visa says transactions will operate within user permissions such as spending limits, merchant categories or required approvals, on tokenized credentials. No outcome figures are disclosed.",[32],[],[],[317,321],{"url":318,"title":319,"publisher":309,"date":320},"https://usa.visa.com/about-visa/newsroom/press-releases.releaseId.21961.html","Visa and Partners Complete Secure AI Transactions, Setting the Stage for Mainstream Adoption in 2026","2025-12-18",{"url":322,"title":323,"publisher":309,"date":324},"https://usa.visa.com/about-visa/newsroom/press-releases.releaseId.22496.html","Visa Partners with OpenAI to Power the Next Generation of AI Commerce","2026-06-10",{"level":255,"checkedAt":256},"visa-intelligent-commerce-agent-transactions","visa",{"title":329,"useCases":330,"organization":331,"vendors":335,"summary":339,"stage":245,"year":43,"channels":340,"languages":341,"metrics":342,"outcomeDisclosed":235,"sources":343,"verification":347,"grade":348,"id":349,"organizationSlug":350},"DBS and UOB: first live authenticated agentic transaction in Singapore with Mastercard Agent Pay",[228],{"name":332,"anonymized":235,"country":333,"region":334,"industry":18},"DBS Bank","SG","asia-pacific",[336,337],{"name":239,"role":240},{"name":338,"role":243},"CardInfoLink","Mastercard completed its first live, authenticated agentic transaction in Singapore with DBS and UOB: an AI agent from CardInfoLink booked and paid for a ride to Changi Airport through the mobility provider hoppa. Each agent receives its own Mastercard Agentic Token, the consumer's consent is captured explicitly and the purchase is confirmed with Mastercard Payment Passkeys on a tokenized credential. DBS stresses safeguards, transparency and customer authorization, and UOB calls the collaboration a framework for agentic payments. It is a single milestone transaction, and no outcome figures are disclosed.",[],[],[],[344],{"url":345,"title":346,"publisher":253},"https://newsroom.mastercard.com/news/ap/en/newsroom/press-releases/en/2026/mastercard-delivers-its-first-live-agentic-transaction-in-singapore-with-dbs-and-uob/","Mastercard delivers its first live agentic transaction in Singapore with DBS and UOB",{"level":255,"checkedAt":256},"C","dbs-uob-mastercard-agentic-transaction","dbs-bank",{"title":352,"useCases":353,"organization":354,"vendors":356,"summary":359,"stage":360,"year":43,"channels":361,"languages":362,"metrics":363,"outcomeDisclosed":235,"sources":364,"verification":369,"grade":348,"id":370,"organizationSlug":259},"Ulta Beauty: agentic checkout in Google AI Mode and the Gemini app",[228],{"name":355,"anonymized":235,"country":285,"region":286,"industry":19},"Ulta Beauty",[357],{"name":358,"role":240},"Google","Google Cloud lists Ulta Beauty as rolling out agentic commerce inside AI Mode in Google Search and the Gemini app, where shoppers get Ulta Beauty product recommendations, compare options and complete checkout for eligible purchases within Google's conversational interfaces. The entry was added in the April 2026 edition of Google's list and describes a rollout, not results. No outcome figures are disclosed.","announced",[29],[295],[],[365],{"url":366,"title":367,"publisher":368},"https://cloud.google.com/transform/101-real-world-generative-ai-use-cases-from-industry-leaders","1,302 real-world gen AI use cases from the world's leading organizations","Google Cloud",{"level":255,"checkedAt":256},"ulta-beauty-agentic-checkout-google-ai-mode",{"title":372,"useCases":373,"organization":374,"vendors":378,"summary":380,"stage":245,"year":292,"channels":381,"languages":382,"metrics":383,"outcomeDisclosed":235,"sources":384,"verification":388,"grade":348,"id":389,"organizationSlug":259},"Majid Al Futtaim: Mastercard Agent Pay pilot for VOX Cinemas tickets in the UAE",[228],{"name":375,"anonymized":235,"country":376,"region":377,"industry":19},"Majid Al Futtaim","AE","middle-east",[379],{"name":239,"role":240},"Mastercard launched Agent Pay in the UAE together with Majid Al Futtaim as a pilot in which AI assistants help users find products and complete purchases on their behalf, starting with movie tickets at VOX Cinemas. Mastercard frames the collaboration as a pathway to broader adoption of agentic commerce across the region. No transaction volumes or outcome figures are disclosed.",[],[],[],[385],{"url":386,"title":387,"publisher":253},"https://newsroom.mastercard.com/news/eemea/en/perspectives/en/2025/bringing-agentic-payments-to-life-in-the-uae/","Bringing agentic payments to life in the UAE",{"level":255,"checkedAt":256},"majid-al-futtaim-mastercard-agent-pay-pilot",0,[],{"low":393,"high":394},18000,648000,[396,426,445,468,479],{"slug":219,"title":397,"shortTitle":398,"definition":399,"status":9,"industries":400,"functions":402,"patterns":404,"audience":33,"autonomy":407,"adoptionStage":408,"evidenceCount":409,"publicEvidenceCount":410,"organizations":411,"bestGrade":257,"headline":417,"lastVerified":224,"indexable":425},"AI shopping assistant for product discovery and recommendations","Conversational shopping assistant","A conversational assistant on a retailer's site or app that answers product questions, compares items and recommends products from the retailer's own catalog for a need, project or occasion described in the shopper's own words, grounded in product data, reviews and stock, and hands the shopper to a basket, a store or a human expert.",[401,19],"cross-industry",[22,403,21],"marketing",[26,405,406,25],"recommendation-and-personalization","rag-knowledge-assistant","autonomous","early-adopters",10,5,[412,413,414,415,416],"Amazon","Lowe's","Sun & Ski Sports","Walmart","Zalando",{"kpi":55,"label":418,"unit":419,"n":420,"nUpTo":390,"kind":421,"value":422,"qualifier":423,"claimant":424,"organization":414,"vendorReported":425},"Conversion uplift","multiplier",1,"reported",3,"exact","vendor",true,{"slug":220,"title":427,"shortTitle":428,"definition":429,"status":9,"industries":430,"functions":431,"patterns":432,"audience":33,"autonomy":34,"adoptionStage":434,"segment":36,"evidenceCount":435,"publicEvidenceCount":436,"organizations":437,"bestGrade":257,"headline":439,"lastVerified":224,"indexable":425},"AI agent for account and card servicing","Account and card servicing","An AI agent that resolves routine account and card requests end to end, such as balances, statements, card blocks and replacements, PIN resets and limit changes, across app, web, messaging and phone, and hands anything sensitive or unusual to a human with the full context.",[18,17],[21,23],[26,433,25,406],"voice-agent","mainstream",4,2,[438,332],"Commonwealth Bank of Australia",{"kpi":440,"label":441,"unit":442,"n":436,"nUpTo":390,"kind":421,"value":88,"qualifier":443,"claimant":444,"organization":332,"vendorReported":235},"containment-rate","Containment rate","percent","approximately","organization",{"slug":221,"title":446,"shortTitle":447,"definition":448,"status":9,"industries":449,"functions":450,"patterns":452,"audience":455,"autonomy":407,"adoptionStage":434,"segment":456,"evidenceCount":457,"publicEvidenceCount":457,"organizations":458,"bestGrade":257,"headline":464,"lastVerified":224,"indexable":425},"Real time fraud scoring for card and instant payments","Real time fraud scoring","Machine learning that decides in milliseconds, without any conversation, how likely each card authorization and account to account payment is to be fraudulent, combining behavioural, device and network signals, so the bank can approve, challenge or block a payment before the money leaves. Working the resulting alerts and talking to the customer about them are separate use cases.",[18,17],[451],"fraud-prevention",[453,454],"prediction-and-scoring","anomaly-detection","back-office","middle-office",9,[459,438,239,460,461,462,463,309],"ANZ, Commonwealth Bank, NAB, Suncorp Bank and Westpac (BioCatch Trust Australia)","NatWest Group","Pay.UK","Revolut","Stripe",{"kpi":59,"label":465,"unit":442,"n":422,"nUpTo":390,"kind":466,"value":467,"qualifier":423,"claimant":444,"organization":259,"vendorReported":235},"Fraud loss reduction","median",30,{"slug":222,"title":469,"shortTitle":470,"definition":471,"status":9,"industries":472,"functions":473,"patterns":474,"audience":33,"autonomy":34,"adoptionStage":408,"segment":36,"evidenceCount":435,"publicEvidenceCount":422,"organizations":477,"bestGrade":257,"headline":259,"lastVerified":224,"indexable":425},"AI agent for card dispute intake","Card dispute intake","A customer facing AI agent that handles the \"I do not recognise this charge\" moment: it finds the transaction, separates suspected fraud from merchant disputes and simple confusion, explains the customer's rights and timelines, collects the details and evidence the rules require, and opens a correctly classified dispute case for the operations team.",[18,17],[21,451,23],[26,433,475,476,25],"classification-and-routing","document-processing",[438,478,309],"Klarna",{"slug":223,"title":480,"shortTitle":481,"definition":482,"status":9,"industries":483,"functions":487,"patterns":489,"audience":455,"autonomy":34,"adoptionStage":408,"segment":455,"evidenceCount":435,"publicEvidenceCount":435,"organizations":490,"bestGrade":257,"headline":259,"lastVerified":224,"indexable":425},"AI for ledger and payment reconciliation","Ledger and payment reconciliation","AI that matches entries across nostro and vostro statements, card and scheme settlement files, the general ledger and suspense accounts, proposes matches and clearing journals, and routes only the genuine breaks to an operator with a plain language explanation.",[18,17,484,401,485,486],"capital-markets","wealth-and-asset-management","government",[488,23],"finance-and-accounting",[25,454,476],[491,492,493,494],"Comrade Trustee Services","Ginnie Mae","National Bank of Greece (Cyprus)","World Food Programme",{"indexable":425,"reasons":496},[],[498,502,507,514,521,526,533,539,546,553,559,565,572,579,585,590,597,603,609,615,621,627,632,637,641,647,654,659,665,671,677,683,689,694],{"id":178,"label":499,"issuer":187,"region":188,"url":189,"description":500,"useCases":501,"indexable":425},"EU AI Act","Regulation (EU) 2024/1689: risk based rules for AI systems, with obligations for high risk systems listed in Annex III and transparency duties under Article 50.",197,{"id":180,"label":503,"issuer":187,"region":188,"url":504,"description":505,"useCases":506,"indexable":425},"GDPR","https://eur-lex.europa.eu/eli/reg/2016/679/oj","General Data Protection Regulation, including Article 22 on decisions based solely on automated processing.",180,{"id":508,"label":509,"issuer":510,"region":310,"url":511,"description":512,"useCases":513,"indexable":425},"iso-42001","ISO/IEC 42001","ISO and IEC","https://www.iso.org/standard/81230.html","The international management system standard for AI.",110,{"id":515,"label":516,"issuer":517,"region":286,"url":518,"description":519,"useCases":520,"indexable":425},"nist-ai-rmf","NIST AI Risk Management Framework","NIST","https://www.nist.gov/itl/ai-risk-management-framework","Voluntary US framework to map, measure, manage and govern AI risk, with a generative AI profile.",83,{"id":182,"label":522,"issuer":187,"region":188,"url":523,"description":524,"useCases":525,"indexable":425},"DORA","https://eur-lex.europa.eu/eli/reg/2022/2554/oj","Digital Operational Resilience Act for financial entities: ICT risk, incident reporting and third party risk, including AI providers.",66,{"id":527,"label":528,"issuer":529,"region":188,"url":530,"description":531,"useCases":532,"indexable":425},"uk-gdpr","UK GDPR","Information Commissioner's Office","https://ico.org.uk/for-organisations/uk-gdpr-guidance-and-resources/","The UK's version of the GDPR, including rules on solely automated decisions.",64,{"id":183,"label":534,"issuer":535,"region":188,"url":536,"description":537,"useCases":538,"indexable":425},"FCA Consumer Duty","Financial Conduct Authority","https://www.fca.org.uk/firms/consumer-duty","UK rules that require firms to deliver good outcomes for retail customers, including through automated channels.",47,{"id":540,"label":541,"issuer":542,"region":334,"url":543,"description":544,"useCases":545,"indexable":425},"mas-ai-risk-management","MAS AI risk management guidelines","Monetary Authority of Singapore","https://www.mas.gov.sg/news/media-releases/2025/mas-guidelines-for-artificial-intelligence-risk-management","Singapore's supervisory expectations for AI risk management at financial institutions, building on the FEAT principles.",36,{"id":547,"label":548,"issuer":549,"region":334,"url":550,"description":551,"useCases":552,"indexable":425},"apra-cps-230","APRA CPS 230","Australian Prudential Regulation Authority","https://www.apra.gov.au/operational-risk-management","Australian operational risk standard covering critical operations and material service providers.",25,{"id":181,"label":554,"issuer":555,"region":310,"url":556,"description":557,"useCases":558,"indexable":425},"PCI DSS","PCI Security Standards Council","https://www.pcisecuritystandards.org/","Security standard for any system that stores, processes or transmits cardholder data.",20,{"id":560,"label":561,"issuer":562,"region":286,"url":563,"description":564,"useCases":558,"indexable":425},"us-sr-11-7","SR 11-7 model risk management","Federal Reserve and OCC","https://www.federalreserve.gov/boarddocs/srletters/2011/sr1107.htm","US supervisory guidance on model risk management, applied by banks to AI and machine learning models.",{"id":566,"label":567,"issuer":568,"region":188,"url":569,"description":570,"useCases":571,"indexable":425},"uk-atrs","UK Algorithmic Transparency Recording Standard","UK Government","https://www.gov.uk/government/collections/algorithmic-transparency-recording-standard-hub","Mandatory transparency records for algorithmic tools used by UK central government.",16,{"id":573,"label":574,"issuer":575,"region":310,"url":576,"description":577,"useCases":578,"indexable":425},"fatf-recommendations","FATF Recommendations","Financial Action Task Force","https://www.fatf-gafi.org/en/publications/Fatfrecommendations/Fatf-recommendations.html","Global standards for anti money laundering and counter terrorist financing that national rules implement.",15,{"id":580,"label":581,"issuer":187,"region":188,"url":582,"description":583,"useCases":584,"indexable":425},"eu-amlr","EU Anti Money Laundering Regulation","https://eur-lex.europa.eu/eli/reg/2024/1624/oj","Regulation (EU) 2024/1624: the single EU rulebook for customer due diligence, beneficial ownership and suspicious transaction reporting.",14,{"id":586,"label":587,"issuer":187,"region":188,"url":588,"description":589,"useCases":584,"indexable":425},"nis2","NIS2 Directive","https://eur-lex.europa.eu/eli/dir/2022/2555/oj","Directive (EU) 2022/2555 on cybersecurity for essential and important entities, including telecom networks, energy and public administration.",{"id":591,"label":592,"issuer":593,"region":286,"url":594,"description":595,"useCases":596,"indexable":425},"us-bsa","Bank Secrecy Act","FinCEN","https://www.fincen.gov/resources/statutes-and-regulations/bank-secrecy-act","US anti money laundering law: customer due diligence, suspicious activity reports and record keeping.",13,{"id":598,"label":599,"issuer":187,"region":188,"url":600,"description":601,"useCases":602,"indexable":425},"eu-accessibility-act","European Accessibility Act","https://eur-lex.europa.eu/eli/dir/2019/882/oj","Directive (EU) 2019/882: accessibility requirements for banking services, ecommerce and other digital services, applicable since June 2025.",12,{"id":604,"label":605,"issuer":606,"region":286,"url":607,"description":608,"useCases":602,"indexable":425},"hipaa","HIPAA","US Department of Health and Human Services","https://www.hhs.gov/hipaa/index.html","US rules for the privacy and security of protected health information.",{"id":610,"label":611,"issuer":612,"region":310,"url":613,"description":614,"useCases":602,"indexable":425},"telecom-consumer-rules","Telecom consumer protection rules","National telecom regulators","https://www.berec.europa.eu/","National rules on telecom contracts, switching, billing disputes and marketing consent.",{"id":616,"label":617,"issuer":187,"region":188,"url":618,"description":619,"useCases":620,"indexable":425},"eecc","European Electronic Communications Code","https://eur-lex.europa.eu/eli/dir/2018/1972/oj","Directive (EU) 2018/1972: consumer protection, contract, switching and security rules for telecom operators.",11,{"id":622,"label":623,"issuer":624,"region":286,"url":625,"description":626,"useCases":620,"indexable":425},"us-tcpa","Telephone Consumer Protection Act","Federal Communications Commission","https://www.fcc.gov/consumers/guides/stop-unwanted-robocalls-and-texts","US consent rules for automated and prerecorded calls and texts; the FCC has confirmed AI generated voices count as artificial voices.",{"id":628,"label":629,"issuer":542,"region":334,"url":630,"description":631,"useCases":409,"indexable":425},"mas-notice-626","MAS Notice 626","https://www.mas.gov.sg/regulation/notices/notice-626","Singapore's anti money laundering and counter terrorism financing requirements for banks.",{"id":633,"label":634,"issuer":187,"region":188,"url":635,"description":636,"useCases":409,"indexable":425},"mifid-ii","MiFID II","https://eur-lex.europa.eu/eli/dir/2014/65/oj","Directive 2014/65/EU on markets in financial instruments: suitability and appropriateness of advice, record keeping and product governance.",{"id":179,"label":638,"issuer":187,"region":188,"url":639,"description":640,"useCases":409,"indexable":425},"PSD2","https://eur-lex.europa.eu/eli/dir/2015/2366/oj","Payment Services Directive 2: strong customer authentication, transaction risk analysis exemptions and open banking access.",{"id":642,"label":643,"issuer":644,"region":188,"url":645,"description":646,"useCases":457,"indexable":425},"eba-loan-origination","EBA Guidelines on loan origination and monitoring","European Banking Authority","https://www.eba.europa.eu/regulation-and-policy/credit-risk/guidelines-on-loan-origination-and-monitoring","Expectations for credit decisioning, including the use of automated models.",{"id":648,"label":649,"issuer":650,"region":286,"url":651,"description":652,"useCases":653,"indexable":425},"us-ecoa-reg-b","ECOA and Regulation B","Consumer Financial Protection Bureau","https://www.consumerfinance.gov/rules-policy/regulations/1002/9/","US fair lending rules, including specific reasons in adverse action notices, which also apply when credit decisions use AI models.",8,{"id":655,"label":656,"issuer":187,"region":188,"url":657,"description":658,"useCases":653,"indexable":425},"solvency-ii","Solvency II","https://eur-lex.europa.eu/eli/dir/2009/138/oj","Directive 2009/138/EC: risk based capital, governance and model requirements for insurers.",{"id":660,"label":661,"issuer":187,"region":188,"url":662,"description":663,"useCases":664,"indexable":425},"eu-idd","Insurance Distribution Directive","https://eur-lex.europa.eu/eli/dir/2016/97/oj","Directive (EU) 2016/97: conduct rules for selling insurance, including demands and needs testing and advice.",6,{"id":666,"label":667,"issuer":668,"region":377,"url":669,"description":670,"useCases":410,"indexable":425},"cbuae-ai-guidance","CBUAE guidance on AI and ML","Central Bank of the UAE","https://www.centralbank.ae/","UAE central bank expectations for the enabling technologies, AI and machine learning used by licensed financial institutions.",{"id":672,"label":673,"issuer":674,"region":188,"url":675,"description":676,"useCases":435,"indexable":425},"pra-ss1-23","PRA SS1/23 model risk management","Prudential Regulation Authority","https://www.bankofengland.co.uk/prudential-regulation/publication/2023/may/model-risk-management-principles-for-banks-ss","UK model risk management principles for banks, covering AI and machine learning models.",{"id":678,"label":679,"issuer":680,"region":188,"url":681,"description":682,"useCases":435,"indexable":425},"uk-psr-app-reimbursement","UK APP scam reimbursement rules","Payment Systems Regulator","https://www.psr.org.uk/our-work/app-scams/","Mandatory reimbursement of authorised push payment scam victims by UK payment firms, which shifts scam losses onto banks.",{"id":684,"label":685,"issuer":686,"region":334,"url":687,"description":688,"useCases":422,"indexable":425},"au-scams-prevention-framework","Australian Scams Prevention Framework","Australian Treasury","https://treasury.gov.au/consultation/c2024-573813","Economy wide obligations for banks, telcos and digital platforms to prevent, detect, disrupt and respond to scams.",{"id":690,"label":691,"issuer":187,"region":188,"url":692,"description":693,"useCases":422,"indexable":425},"eu-mar","EU Market Abuse Regulation","https://eur-lex.europa.eu/eli/reg/2014/596/oj","Regulation (EU) 596/2014: insider dealing and market manipulation, including the duty to detect and report suspicious orders and transactions.",{"id":695,"label":696,"issuer":697,"region":286,"url":698,"description":699,"useCases":422,"indexable":425},"us-fcra","Fair Credit Reporting Act","Federal Trade Commission","https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act","US rules on consumer reports, their accuracy and permissible use, relevant to credit scoring and screening.",1790598295736]