Agentic payments: BIS, BCG and industry analyses on controls and risks
The BIS published an analysis of payments in the age of AI agents, and BCG's 2026 report says transaction banks must build for an agentic future. Industry commentary says authorisation is the new control point and that agentic fraud can look like a clean transaction.
Who is affected and how
- chief financial officer
- For finance agents, approval authority (creating a supplier, approving an invoice, making a transfer) must be tightly restricted.
- banking professional
- Traditional fraud detection can mislead on agent-initiated transactions, so new signals need to be introduced.
- fintech company
- Rules for accepting agentic payments need to be worked out on the merchant and payments side.
Sources
- Payments in the age of AI agents | Bank for International Settlementsbis.org · Oct 5, 2026
- BIS’s Hernández de Cos on AI, non-bank risk and tokenisation - Risk.netrisk.net · Oct 7, 2026
- Global Payments Report 2026: Transaction Banks Must Architect for an Agentic Futurebcg.com · Oct 10, 2026
- The 2026 Global Payments Report: Operational excellence in an invisible worldmckinsey.com · Oct 10, 2026
- How agentic payments present riskpayments dive · Oct 9, 2026
- How agentic payments present risk | Payments Divepaymentsdive.com · Oct 9, 2026
- AI Agents Turn Permission Into Payments’ New Control Point | PYMNTS.compymnts.com · Oct 7, 2026
- Agentic Commerce: Payment Authorisation & AI Fraud Controls | Payment Asiapaymentasia.com · Oct 6, 2026
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