Boston Fintech Week: Why Agentic AI Payments Matter Now

One of the moments that stood out for me at Boston Fintech Week was talk and excitement around Agentic AI payments—the idea that autonomous AI agents handle end to end payments.

Why Agentic AI Payments Matter Now

• According to BCG, 81% of U.S. consumers expect to use agentic AI tools for shopping, and those tools could influence over half of all online purchases in the near future.
• According to EY analysis, by 2030, 79% of e-commerce and 53% of POS transactions will be digital payments, reflecting how quickly we're moving to intelligent, real-time rails.
• Yet consumer trust remains a bottleneck: in a Bain survey, while 72% of U.S. consumers have used some form of AI, only 24% said they'd feel comfortable having it complete a purchase today.

Agentic AI has the potential to transform payments into self-executing systems — where compliance, personalization, and settlement happen in the background.

As we progress more on Agentic AI for payments, consumers will slowly build more trust.

The Big Takeaways

Agentic Payments + Instant Settlements are converging into something revolutionary.

Stablecoins have moved beyond crypto curiosity. The use cases in payroll and international remittance are getting real traction.

The API Economy is Exploding: 30% of tech budgets now flow to API development, and 40% of non-financial platforms are embedding payments. The boundaries between fintech and everything else are dissolving.

EY's data showed instant payments aren't just raising expectations – they're creating an "always-on" money movement standard. Combined with agentic AI moving beyond basic automation to true autonomous decision-making, we're looking at a fundamental rewiring of financial services.

Satish Grampurohit Harsha AC Girish Kerodi Thejaswi Subramanya Nathaniel N Krishna Prasad P (Nair)

What are your thoughts on Agentic AI in e-commerce?

If you're exploring agentic payments, embedded finance, or any kind of automation in fintech space— I'd love to continue the conversation.