Agentic commerce: How American Express is building the future of AI-driven payments

In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Margaret Ryan, SVP and Head of Product for Amex Digital Labs, to explore the rapidly developing world of agentic commerce and agentic payments and how American Express is positioning itself at the forefront of this evolution.
Margaret discusses the current state of play with agentic commerce today, unpacking the benefits the technology offers for both consumers and merchants, and takes a deep dive into the ACE Developer Kit that Amex launched earlier this year, explaining the vision behind this framework and how it's designed to help merchants navigate this fundamental shift in how transactions happen.
The conversation also covers the debate around trust and consumer confidence when it comes to agentic commerce—asking whether people will fully trust AI agents to spend their money and what safeguards need to be in place to make that leap possible.
Margaret and Paul also look ahead at how agentic payments will transform the consumer experience over the next few years, what role American Express will play as AI agents become the primary transaction interface, and what other agentic AI innovations are in the pipeline at Amex.
Tune in to hear how one of the world's leading payment networks is building the infrastructure for an AI-agent-driven future of commerce.
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