Visa integrates agents of AI to their payment network with OpenAi, Anthropic and Microsoft: The future of automated purchases?

By Canuto

Visa takes a bold step in the integration of artificial intelligence to its payment systems, allowing ia agents to manage the purchases and transactions of consumers under supervision, in alliance with technological giants such as Openai, Microsoft, Stripe and Samsung. Are we facing the next great jump in financial digitalization?
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Visa will expand the access of your cards to artificial intelligence agents, allowing them to make purchases in the name of users under defined parameters.
The alliance includes leading developers in AI such as Openai, Anthropic, Perplexity and Mistral, as well as technological partners such as IBM, Stripe and Samsung.
The approach seeks to transform and simplify daily purchase tasks, maintaining user control and safety on expenses and transactions.

Artificial intelligence (AI) is transforming multiple sectors, and the financial is no exception. Visa, the global payment processing giant, is now committed to bringing AI to a more advanced level by allowing intelligent agents to have access to credit cards to operate purchases under parameters defined by users. This innovation, announced on Wednesday, seeks to revolutionize the way we interact with digital money and automate routine consumption tasks through modern technological alliances.

In the ecosystem of assistants, the trend is to go beyond the well -known chatbots. The so -called ‘AI’ agents aspire to make decisions and execute complex tasks, such as acquiring products or services on behalf of the user, always respecting personal limits and preferences. According to the product director and visa strategy, Jack Forelll, this transformation can be as relevant as the arrival of electronic commerce.

Visa has been associated with some of the most influential companies in the development of AI, including OpenAi (Chatgpt creators), Anthropic, Perplexity, Microsoft and the French Mistral. Likewise, the initiative adds great allies of the technological sector such as IBM, Stripe and Samsung, which considerably expands the scope and potential of the proposal.

These agreements allow developers to integrate payment capabilities directly into their AI agents. The pilot projects have already begun, and a broader adoption is expected next year, as reported by Jack Forell.

Of the discovery of products to automated payment: the jump looking for visa

Until now, most virtual attendees linked to electronic commerce have mainly helped and recommend products, but face a great obstacle when closing the purchase: the execution of payment. Often, the responsibility returns to the user, which must manually approve the transaction.

Visa aims to close that gap allowing ia agents to carry out the complete process: from the search and comparison to the effective purchase, using the visa payment network and thus guaranteeing safety and support in each operation. According to Forestell, the problem of payments is a challenge that AI platforms cannot address alone, so visa collaboration is strategic and indispensable.

The company was already anticipating this evolution. Almost a year ago, Visa modified the operation of credit and debit cards in the United States, blurring the relevance of physical cards and their traditional 16 digits against the rise of digital credentials. Systems such as Apple Pay have familiarized consumers with payments through mobile devices, racing the way to deeper integration with AI.

For new users, this progress could represent the automation of routine tasks and sometimes tedious, such as buying food, looking for household improvement items or making travel reservations. In contrast, in experiences of purchasing of luxury or recreational, it is expected that the role of the agent will be more as an assistant than of autonomous executor.

Security, autonomy and control: challenges and promises of the new digital era

One of the critical points in the integration of agents AI to the payment system is the balance between autonomy, control and security. Forestell, of Visa, highlights that users can define expenditure limits and clear conditions for each transaction, always guaranteeing the last word of the client in relevant decisions such as the purchase of plane tickets.

At first, AI agents will frequently consult users to validate important transactions, but it is expected that, with adequate authorization, they can evolve towards greater autonomy, acting according to financial parameters and previously configured preferences: for example, “spend up to USD $ 1,500 on any airline to take me from A B”.

Access to transaction historical is another characteristic that attracts developers to this association. With user consent, platforms such as Perplexity will be able to analyze the previous purchases of a customer and improve their real -time recommendations, thus contributing to a more personalized and efficient consumption experience.

However, not everything is enthusiasm. There are concerns about the increase in the use of credit and the risk of indebtedness, especially considering that American credit card balances have already exceeded USD $ 1.21 billion at the end of last year, according to the New York Federal Reserve. Forestell ensures that the design focused on controls and limits seeks to preserve financial security and consumer confidence.

Emerging companies, competition and the future of digital trade

The developers of AI see in Viagra a gateway to direct competition with consolidated giants such as Amazon and Google, companies that already dominate a good part of the digital trade and advance in their own solutions with AI.

Visa support could level the field for emerging startups, also facilitating access to robust payment systems and the protection of consumer rights against disputes or fraud.

Currently, products such as perplexity chatbot already allow hotel reservations and acquire goods, although trade with AI is still in an initial phase. Companies such as Perplexity and Openai have even expressed interest in buying the Google Chrome browser, in case US justice forces Google to divide within the framework of an antimonopoly case.

The integration of AI in global payment systems promises to redefine the shopping experience, delegating repetitive tasks to intelligent agents under human supervision and ensuring a balance between innovation, security and comfort.

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