What happened
Agentic commerce, featuring AI agents acting on behalf of consumers, has emerged, necessitating these agents' access to sensitive user data, including financial profiles, transaction histories, and payment information, for purchasing decisions. Businesses must now develop AI-accessible online stores with data-rich digital catalogues and re-evaluate fraud prevention and customer authentication methods. Industry participants, such as Open AI and Stripe, are developing an Agentic Commerce Protocol, alongside VGS' Agentic Toolkit, to protect consumer and payment information within this new paradigm.
Why it matters
The introduction of AI agents accessing sensitive user data increases exposure to potential misuse and raises due diligence requirements for handling financial profiles, transaction histories, and payment information. This impacts IT security, compliance, and platform operators, who face a visibility gap in differentiating legitimate AI agents from malicious actors and must manage the oversight burden of maintaining human control over AI-driven interactions.
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