The payments industry is undergoing a profound transformation, driven by the rise of advanced artificial intelligence—specifically Generative AI and Agentic AI. These technologies are shifting the landscape from traditional, static systems to intelligent, adaptive ecosystems that can automate complex processes, personalize customer experiences, and enhance security in real time. This evolution marks more than just incremental improvement; it signals a fundamental reimagining of how payments are initiated, managed, and protected.

This white paper explores the growing influence of Generative and Agentic AI on the payments ecosystem, examining their roles in automating workflows, preventing fraud, and enabling autonomous decision-making. It highlights key trends, emerging use cases, and leading solution providers, offering strategic insights for business leaders aiming to leverage AI for more resilient, secure, and customer-centric payment systems.