The action of selling and buying products evolved with the arrival of the e-commerce. The world saw how traveling to a store to purchase a specific item became within reach. various clipseven in stores that may be located thousands of kilometers from where we are.
The global emergence of artificial intelligence (AI) promises to return to modify the way in which it is purchased. From now on, the absence of clips and search by the consumer is projected, as visualized by the payment industry.
He user will give a order still agent created through AI and this will be in charge of doing the entire process: finding the product, according to your tastes, preferences or what you ask, and making the purchase of the item.
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“That is a fairly fundamental change because you go from having a consumer who is buying something from a business directly and asking his agent to buy it for him. So this introduces a new actor in the payment system that is not financially involved in the transaction, but is making it easier for the consumer to make that purchase,” explains Pablo Fourez, digital director of Mastercard.
But these advances also imply a security challengeboth for the users as for the shopsand the creation of new systems that allow us to ensure that the AI is authorized by the consumer to make the purchase and that the merchant can verify it in the same way.
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“It is very important to be able to distinguish the agent from the person. In other words, that the agent is not impersonating the person, that he is helping you and that he has a delegation that you have given him to help you make a payment or a purchase. It is an important challenge to identify that, when it is the real person and not the agent who is buying,” Fourez acknowledges.
However, he maintains that they work in those challenges, driving with new systems and experimenting with users and shops.
Deep impact
Within the framework of his annual forum of innovation, the company announced that starting in 2026 it will be launched throughout Latin America and the Caribbean Mastercard Agent Paya program designed to enable secure, transparent and scalable transactions, powered by AI throughout the ecosystem payments.
“I think that the AI Agent It is one of the technologies that is going to have the most profound impact on the world we know. It may be that this is a change that, at the level of society, in how we interact with others, is very important and will also have a fairly large impact on how things are done. e-commerce“, he advances.
