🧠 Food for thought

Implications, context, and why it matters.

The ‘trust gap’ in AI shopping is building a new security market

• Consumer hesitation is pushing a new layer of financial technology built for AI agents, software that can search, book, or pay on a user’s behalf 1.
• Visa is working on tools such as the Trusted Agent Protocol to separate legitimate AI shopping agents from bots during commerce flows 1.
• Visa says it has used AI in payments since 1993. It has spent decades using AI to spot fraud and score risk, and it is adapting risk-scoring plus tokenisation for “agentic commerce,” where AI systems start or complete transactions 2, 1.
• In Indonesia, the Financial Services Authority (OJK) issued AI governance guidance for banks as a minimum reference point for responsible implementation 3.

AI will change commerce from website design to fraud prevention

• As AI starts buying, retailer and marketplace results may rely more on checkout, catalog, and identity systems that work smoothly with AI agents than on a website’s user interface 4.
• This shift brings fresh weak spots. Visa flags token provisioning, issuing a digital substitute for a card number for payments, as a possible fraud route as automated experiences grow 1.
• Digital maturity does not always bring comfort. Visa’s study found Australia, New Zealand, and Singapore show above-average caution on AI shopping and data-use expectations, while India and Vietnam lead regional openness to AI for online purchases 5.
• As digital experience rises, expectations for security and control can rise too. That trend can expand demand for trust and safety solutions 6.