Mastercard's Approach to Agentic Payments, Identity and Trust
In this session, we look at how Mastercard is approaching agentic payments: how merchants and financial institutions can verify that an AI agent is legitimate, that it is acting with the customer's permission, and that it is buying what the customer actually intended.00:00 Introduction: agentic payments, identity, and trust
02:21 Meet Dennis Gamiello, Mastercard
04:24 Telling legitimate agents apart from malicious bots
08:05 Know Your Agent and what sets Mastercard's approach apart
08:47 The Agent Pay trust framework: five dimensions
11:50 Auditability, registered agents, and verifiable intent
13:39 Lessons from partners: partnership and standards
16:36 Verifiable intent with Google and the FIDO Alliance
18:31 Testing with partners: Agent Pay live since April 2025
20:38 How much autonomy will consumers give agents?
23:29 From small purchases to travel and larger transactions
26:28 Liability: who is responsible when an agent buys the wrong thing?
29:44 Who should issue and manage agent identity?
32:03 One agent or many?
34:59 Interoperable vs proprietary: where to draw the line
37:30 How Mastercard's role evolves with agentic commerce
39:44 Identity, trust, and payments as a flywheel
40:53 What agentic commerce could feel like in 2029
42:41 Will agents increase spending?
44:04 Which parts of the shopping journey will change
45:35 The adoption outlook: one in ten shoppers by 2030
47:22 Audience Q: letting trusted agents through without friction
50:02 Audience Q: defining what an agent is authorized to do
52:08 Audience Q: what the industry needs for mainstream adoption
52:56 Closing
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