Opportunities center on AI shopping agents for delegated purchasing, programmable multi-rail payment orchestration, and trust infrastructure spanning fraud detection, identity verification, privacy, cybersecurity and transaction governance.

Dublin, Aug. 19, 2026 (GLOBE NEWSWIRE) -- The "Agentic Commerce, AI Orchestration & Autonomous Payments Markets 2026" has been added to ResearchAndMarkets.com's offering.

Key Highlights

Global AI adoption accelerated significantly, with the share of organizations using AI in at least one business function rising from more than 50% in 2023 to over 80% in 2025.
In 2025, more than 60% of AI users worldwide used the technology to compare products, brands, and prices, demonstrating the growing role of AI-assisted commerce in consumer decision-making.
Cybersecurity and data privacy were the leading barriers to agentic AI adoption among U.S. organizations in 2025, cited by 35% and 30% of respondents, respectively.

AI-Assisted Commerce Advances Toward Delegated Purchasing

AI-assisted commerce is moving beyond product recommendations and search to support purchasing coordination, subscription management, price comparison, and transaction execution. Conversational commerce interfaces and AI shopping agents are becoming increasingly integrated into global digital commerce ecosystems, enabling consumers and businesses to streamline purchasing decisions across multiple platforms.

The rapid increase in organizational AI adoption is supporting this transition. With more than 80% of organizations using AI in at least one business function in 2025, enterprises are exploring how agentic AI can participate throughout the commerce journey. More than 60% of global AI users also relied on AI for product, brand, and price comparisons during the year, highlighting its expanding influence on digital shopping behavior.

Despite this momentum, fully autonomous purchasing remains limited by trust, governance, authorization, and accountability requirements. Businesses must establish clear controls over the actions AI agents can perform, particularly when those activities involve payments, personal information, recurring purchases, or financial commitments.

Programmable Payments and Multi-Rail Coordination Expand

Payment infrastructure is evolving from conventional transaction processing toward delegated authorization, programmable execution, and interoperable payment coordination. Enterprises increasingly require systems capable of supporting AI-assisted transactions across cards, digital wallets, real-time payment systems, and account-to-account payment rails.

Payment orchestration layers, tokenized credentials, interoperable application programming interfaces, and machine-readable transaction infrastructure are becoming central to this evolution. These technologies can help commerce platforms route payments, manage authorization, coordinate transactions, and support AI-driven purchasing workflows across multiple providers and payment methods.

The growth of programmable payment infrastructure is also creating opportunities for financial institutions, payment providers, merchants, and technology companies to develop more connected commerce environments. However, successful deployment will depend on reliable authorization controls, regulatory compliance, operational resilience, and transparent accountability.

Fraud Prevention, Governance, and Trust Become Strategic Priorities

As AI-assisted commerce and agentic payments expand, fraud prevention and digital trust infrastructure are gaining strategic importance. Financial institutions and payment providers are strengthening behavioral authentication, biometric verification, adaptive risk scoring, and real-time fraud detection across digital transaction environments.

These investments are increasingly important as AI-enabled phishing, deepfake fraud, synthetic identities, and automated social engineering attacks increase the complexity of payment fraud. Organizations must balance faster, more automated commerce experiences with rigorous identity verification, transaction monitoring, consent management, and data protection.

Cybersecurity and data privacy remain particularly significant challenges. In the United States, 35% of respondents identified cybersecurity as a barrier to agentic AI adoption in 2025, while 30% cited data privacy. Regulators worldwide are also advancing governance frameworks for AI-executed transactions, delegated authorization, and automated financial coordination.

Key Questions Addressed

How is AI-assisted commerce progressing from product discovery to delegated purchasing and transaction execution in 2026?
What is driving investment in payment orchestration and interoperable transaction infrastructure?
How are deepfakes, synthetic identities, AI-enabled phishing, and automated social engineering changing global payment fraud?
What does mobile wallet adoption in China reveal about the maturity of wallet-based payment ecosystems?
Why do cybersecurity and data privacy remain leading barriers to U.S. enterprise adoption of agentic AI?

Key Topics Covered:

1. Key Takeaways

2. Management Summary

3. Global Executive Overview: From Digital Commerce to Agentic Commerce
3.1. Delegated and Autonomous Commerce Models

Global: Evolution of AI-Assisted, Delegated, and Autonomous Transaction Models, May 2026
Global: AI-Mediated Commerce, Delegated Purchasing, and Autonomous Transaction Execution, May 2026
Global: Evolution from Assisted Discovery to Autonomous Purchasing Across the Commerce Journey, May 2026

3.2. Enterprise Adoption and Strategic Integration of Agentic AI

Global: Organizations Using AI in at Least One Business Function, in % of Respondents, 2023 - 2025
Global: Key Developments in Agentic and Generative AI across Banking Segments, May 2026
U.S.: Current State of Agentic AI Technology Adoption Among Enterprises, in % of Respondents, Dec 2025
U.S.: Share of Enterprises Rating Gen AI Tasks by Strategic Impact Level, in % of Resp., December 2025
U.S.: Share of Enterprises by Level of Gen AI Task Autonomy, in % of Ent. Performing Each Task, Dec 2025
U.S.: Share of Enterprises by Preferred Gen AI Platform Provider, in % of Respondents, December 2025
U.S.: Enterprise Agreement with Select Statements on Gen AI Strategic and Risk Imp., in % of Resp., Dec 2025
U.S.: AI Use in Finance by Function, Leadership Role, and Governance Priorities, May 2026
U.S.: Leading Barriers to Agentic AI Adoption, in % of Respondents, 2025

3.3. Machine-Led Economic Coordination and Autonomous Systems

Global: Autonomous Economic Agents and Machine-to-Machine Commerce Systems, May 2026
Global: Shift from Payment Execution to Permission, Trust, and Programmable Transaction Logic, May 2026

3.4. AI Commerce Interfaces and Ecosystem Competition

Global: Strategic Positioning Across AI Platforms, Payment Infrastructure, & Commerce Ecosystems, May 2026
Global: AI Shopping Interfaces, Product Discovery Systems, & Commerce Integration Frameworks, May 2026
Global: AI-Orchestrated Customer Interaction, Transaction Coordination, & Commerce Workflow, May 2026

4. Global Infrastructure Foundations for Autonomous Commerce
4.1. Real-Time Payments and Multi-Rail Transaction Infrastructure

Global: Commercial Non-Cash Transaction Volume, in billions of Trans., and CAGR, 2018, 2021-2024f & 2028f
Global: Real-Time Payments, Open APIs, Tokenization, and Interoperable Commerce Infrastructure, May 2026
Global: Strategic Responses to A2A Payments and Multi-Rail Infrastructure Development, May 2026
Global: Multi-Rail Payment, Orchestration Adoption, Infrastructure Positioning, and Revenue Models, May 2026

4.2. Wallet-Based and Tokenized Payment Ecosystems

Global: Stablecoins, Tokenized Deposits, and Blockchain-Based Settlement in Payment Systems, May 2026
U.S.: Digital Wallet Adoption Trends, May 2026
Europe: AI Wallet Mergers, P2P Expansion, and Digital Euro Integration, May 2026
China: Mobile Wallet Penetration, Digital Infrastructure, and Consumer Adoption, May 2026

4.3. Open Banking and Interoperable Commerce Infrastructure

Global: Technology Foundations for Agentic Commerce, Protocols and Platform Integrations, May 2026
Global: AI-Commerce Protocols and Interoperability Standards, May 2026
Europe: AI in Open Banking for Risk Control, Value Services, and Infrastructure Efficiency, May 2026
UK: Open Banking, API Ecosystems, and AI Payment Innovation, May 2026

4.4. Cloud Infrastructure and AI Compute Capacity

Global: Cloud Infrastructure, AI Compute Scaling, and Commerce Processing Capacity Expansion, May 2026
U.S.: AI Infrastructure Scaling and Investor Confidence, May 2026
Europe: Cloud Dependency, Modular AI Architecture, and Strategic Investment Priorities, May 2026
Africa: Digital Infrastructure, Data Center Expansion, and Governance Models for AI Deployment, May 2026

4.5. Merchant Infrastructure and AI-Compatible Commerce Execution

Global: Merchant Readiness Across API Checkout and AI-Compatible Commerce Infrastructure, May 2026
Global: Payment Processing Steps, System Dependencies, and Authorization Decision Layers, May 2026

5. Global AI Agents & Autonomous Commerce Systems
5.1. AI Shopping Agents and Delegated Purchasing Models

Global: Autonomous Shopping Agents, Purchase Delegation, and AI-Assisted Commerce Workflows, May 2026
Global: Conversational Commerce and AI-Assisted Purchase Journeys, May 2026
Global: Agentic Commerce, Automated Payment Journeys, and Emerging Authentication Impli., May 2026
U.S.: AI-Driven Shopping Capabilities, Virtual Card Integration, and Adoption Barriers in Payments, May 2026

5.2. Payment Routing and Automated Commerce Execution

Global: Multi-Rail Payment Routing, Transaction Orchestration, and Automated Execution Infrastr., May 2026
Global: Checkout Infrastr., Transaction Gateways, and Commerce Execution Layer Competition, May 2026
Global: AI-Optimized Payments, Risk Management, and Customer Experience, May 2026

5.3. AI Automation in B2B Commerce and Procurement

Global: Subscription Automation and Autonomous Recurring Commerce Models, May 2026
Global: AI Procurement Agents and Autonomous Vendor Coordination Systems, May 2026
Global: B2B Payments with Embedded Finance, APIs, AI, and Credit Tools, May 2026
Asia: AI Applications in Credit Inclusion, Finance Automation, and Procurement Innovation, May 2026
Asia: AI-Driven Cloud Banking, Investment Analytics, and Vertical B2B Financial Solutions, May 2026

5.4. Autonomous Commerce Applications Across Industry Sectors

Global: Autonomous Commerce Use Cases Across Retail, Travel, and Digital Services, May 2026
UAE: AI Integration Across Aviation, Retail, Financial Services, Logistics, and Telecommunications, May 2026

6. Global Payment Execution & AI Transaction Architecture
6.1. Delegated Payment Authorization and Spending Governance

Global: Spending Thresholds, Approval Hierarchies, and Programmable Transaction Permissions, May 2026
Global: Human Oversight, Consent Persistence, and Delegated Spending Governance, May 2026
Global: Payments, Authorization and Agent-led Checkout, May 2026

6.2. AI Transaction Architecture and Digital Identity Infrastructure

Global: AI Transaction Architecture Across Identity, Authorization, Payment, and Risk Infrastructure, May 2026
Global: Agent Wallets, Persistent Credentials, and Portable Transaction Identity Infrastructure, May 2026
Global: AI Use Cases in Tokenized Payments, Digital Identity & Agentic Commerce, May 2026
APAC: AI-Powered Commerce Integration, Agent-Led Payments, & Payment Network Positioning, May 2026

6.3. Programmable, Tokenized, and Digital Payment Systems

Global: Programmable Money Infrastructure Across Stablecoins, CBDCs, and Tokenized Payments, May 2026
Europe: Digital Euro, MiCA Regulation, Innovation Framework, and AI-Driven Payments, May 2026
APAC: AI Integration, Stablecoin Cards, Tokenised Transfers, and Micro-Merchant Access, May 2026

6.4. Cross-Border Payment Connectivity and Automated Transactions

Global: Cross-Border RTP Connectivity, Interoperability, and Automated Payment Systems, May 2026
China: Alipay and WeChat Pay Global Expansion and Cross-Border Usage Trends, May 2026
Latin America: Cross-Border Payments and E-Commerce, May 2026
Africa: Rising Remittances, Payment Inefficiencies, Stablecoins, and AI-Driven Financial Inclusion, May 2026

7. Global Identity, Trust & Authentication
7.1. Digital Identity Infrastructure and Trusted Verification Systems

Global: Digital Identity Wallets, Verifiable Credentials, and Trusted Commerce Infrastructure, May 2026
Europe: Authentication Integrat. into Payment Infrastructure Resilience & Cyber Risk Governance, May 2026

7.2. Behavioral Authentication and AI-Driven Fraud Prevention

Global: Passive Verification, Behavioral Authentication, and Adaptive Transaction Trust Models, May 2026
Europe: AI Fraud Prevention, Biometric Authentication, and Tokenized Checkout Solutions, May 2026
Europe: Strong Customer Authentic., Fraud Reduction Effect, and Fraud Displacement Dynamics, May 2026
Asia-Pacific: AI in Fraud Detection, Real-Time Payment Security, and Biometric Authentication, May 2026

7.3. Continuous Verification and Consumer Trust in Delegated Payments

Global: Continuous Verification and Behavioral Signals as a Core Control Layer for Digital Fraud, May 2026
Global: Consumer Trust, Authentication Friction, and Delegated Payment Acceptance, May 2026

8. Global Fraud, Abuse & Security Risks
8.1. AI-Driven Fraud and Financial Crime Risks

Global: AI-Driven Fraud Escalation and Payment Fraud Values Despite Customer Authen., May 2026
Global: AI-Enabled Phishing, Social Engineering Acceleration, & AI-Driven Fraud Det. in Payments, May 2026
Global: Deepfake Fraud, Synthetic Identity Risks, and AI-Driven Financial Scam Activity, May 2026
Middle East: GenAI in Fraud Detection, Risk, Customer Engagement, and Financial Automation, May 2026

8.2. Deepfakes, Synthetic Identity Fraud, and Verification Risks

Global: Self-Reported Belief in Deepfake Identification Ability, in % of Respondents, 2024 - 2025
Europe: Deepfakes, Synthetic Identities, and Onboarding Manipulation in AI-Driven Payments, May 2026
APAC: Synthetic Identity Fraud, Deepfakes, Verification Gaps and Country Trends in FinTech, May 2026

8.3. AI-Based Risk Detection and Payment Security Controls

Global: AI Transaction Accountability, Consumer Protection, and Delegated Payment Liability, May 2026
Global: Real-Time Risk Scoring & Authorization-Stage Decisioning in Modern Payment Systems, May 2026
Global: AI Applications in Payment Processing, Fraud Detection, and Operational Infrastructure, May 2026
Global: AI in Transaction Monitoring, Identity Verification, and Payment Optimization, May 2026
Asia: Cyber Defence, Identity Risk Management and Compliance Automation via AI, May 2026
Middle East: AI-Powered Financial Threat Detection, TPRM Pilots, and Infrastructure Security, May 2026

9. Global Governance, Regulation & Legal Frameworks
9.1. Governance Frameworks for Autonomous Commerce and AI Transactions

Global: Regulatory Challenges in AI-Executed Transactions and Autonomous Commerce, May 2026
Global: AI Governance Challenges, Centralized Strategies, and Leadership Roles in Payment Firms, May 2026
Europe: GPAI-Driven Consumer Risks from Accountability Gaps, Data Bias, and Manipulation, May 2026
Europe: AI Act, Regulatory Sandboxes, Testing Environments, and Data Space Strategy, May 2026
Latin America: Regulatory Gaps, Local Frameworks, Regional Coordination, and AI Governance, May 2026

9.2. AI Regulatory Sandboxes and Innovation Programs

Asia: AI Sandboxes and Capacity-Building Programs in Four Economies, May 2026
Asia: AI-Focused Regulatory Sandboxes and Innovation Hubs in Four Financial Markets, 2025 (1 of 2)
Asia: AI-Focused Regulatory Sandboxes and Innovation Hubs in Four Financial Markets, 2025 (2 of 2)
Latin America & The Caribbean: Responsible AI Initiatives, Policy Challenges, Regulatory Needs, and Data Governance Gaps, May 2026

9.3. AI Oversight, Transparency, and Compliance Requirements

Global: Explainable AI and Model Governance Requirements in Financial Crime Analytics, May 2026
Europe: AI Transparency, Third-Party Oversight, ICT Risk, and Ethical Use Requirements, May 2026
Europe: GPAI Explainability Limits, ICT Risks, and Talent Shortages in Banking Sector, May 2026
Europe: AI Act Risk Model, E-Commerce Adoption, and Early Implementation via AI Pact, May 2026
APAC: Financial Crime Regulation, Synthetic Identity Laundering, and AI Compliance Strategy, May 2026
APAC: AI Strategy in Anti-Financial Crime, Predictive Capabilities, and Governance Priorities, May 2026
MENA: AI Regulation in Finance via Ethics Principles, Data Laws, and Innovation Sandboxes, May 2026

10. Regional Ecosystem Development
10.1. North America

U.S.: AI Platforms, Payment Infrastructure, and Transaction Layer Competition, May 2026
Canada: Organizational Measures Supporting Safe, Secure, and Trustworthy AI, in % of Resp., Sep - Oct 2025

10.2. Europe

Europe: Trusted Identity Infrastructure, Interoperable Wallets, and Digital Verification Systems, May 2026
Europe: AI-Driven Payment Automation, Fraud Detection, and Core Infrastructure Upgrades, May 2026
Europe: AI-Driven MCA Growth, PSP Consolidation, and Regulatory Alignment via PSD3, May 2026

10.3. APAC

China: Super Apps, Digital Wallets, and Integrated Commerce Infrastructure, May 2026
Southeast Asia: Mobile Wallet Infrastructure and Embedded AI Commerce, May 2026
Japan & South Korea: Trusted Automation and High-Tech Consumer Infrastructure, May 2026

10.4. Middle East

MENA: AI-Driven Personalization, Risk Management, and National Investment in Financial Services, May 2026
MENA: AI-Driven Personalization, Risk, Fraud Detection, and Compliance in Financial Services, May 2026
GCC: AI Infrastructure Investment, Digital Economy Systems, and Commerce Modernization, May 2026
GCC: AI Strategies, Infrastructure Development, and Capability Gaps by Maturity Segment, May 2026
Saudi Arabia: GenAI Readiness, Infrastructure Scale-Up, and Sector-Specific Application Rollout, May 2026
UAE: Government-Led AI Commerce Infrastructure and Smart Economy Development, May 2026
UAE: Centennial 2071 Vision, Interagency AI Execution, and Adaptive Digital Regulation, May 2026

10.5. Latin America

Latin America: FinTech Expansion and Commerce Automation Readiness, May 2026
Latin America: Importance of Accessible Payment Options for Online Purchases, in % of Consumers Surveyed, 2025
Latin America: FinTech Concentration & AI Readiness Potential by Country, in % of Total Fintech Comp., 2024
Latin America: Blockchain Tokenization, AI Monitoring, and Customer-Centric Banking Innovations, May 2026
Latin America: Fraud Challenges, Costs, AI Detection Tools, and Partnerships in Digital Payments, May 2026
Latin America: AI Bills with Principle-Based Rights, Risk Classification, and Compliance Obligations, May 2026
Latin America: AI Proposals with Governance Councils, Regulatory Sandboxes, and SME Support, May 2026

10.6. Africa

Africa: Mobile Payments, Financial Inclusion, and Digital Transaction Infrastructure, May 2026
Africa: Role of Payment System Architecture, Interoperability Models, and Integration Pathways in Shaping Mobile Payment Expansion, May 2026
Africa: Expansion of Real-Time Payment Rails and Embedded Payment Models Across Commerce and Platforms, May 2026
Africa: Cyber, Operational, Liquidity, and Execution Risks Shaping the Sustainability of Payments Growth, May 2026
SSA: Fintech Innovation, National AI Strategies, and Global Partnerships in AI Adoption, May 2026

11. Global Competitive Landscape & Strategic Positioning
11.1. Competition Across AI and Commerce Ecosystems

Global: Structural Winners and Vulnerabilities Across Agentic Commerce Ecosystems, May 2026
Global: Winners in AI Platforms and Infrast. vs. Risks for Marketplaces and SEO-Driven Retailers, May 2026
Global: Adoption of Model Context Protocol by Major Tech and Payment Platforms, May 2026

11.2. Strategic Partnerships Across AI, Payments, and Infrastructure

Global: Strategic Partnerships Across AI, Identity, Payments, and Infrastructure Ecosystems, May 2026
UAE: Strategic Partnerships, Scalable Infrastructure, and Innovation in National AI Landscape, May 2026

12. Global Future Outlook & Strategic Scenarios

Global: Transition from Human-Initiated to Hybrid AI Commerce Models, May 2026
Global: Long-Term Strategic Risks and Structural Implications of Agentic Commerce, May 2026

A selection of companies mentioned in this report includes, but is not limited to:

Amazon
Shopify
OpenAI
Google
Microsoft
NVIDIA
Apple
Meta
Mistral AI
Amazon Web Services
Alipay
WeChat Pay
Tencent
Visa
Mastercard

For more information about this report visit https://www.researchandmarkets.com/r/tg1dsv

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Agentic Commerce, AI Orchestration & Autonomous Payments Report 2026: Evaluating Delegated Authorization, API Checkout Infrastructure, and Merchant Readiness