Rezolve Ai hosts industry leaders from Microsoft, Visa, Revolut, Affinity Solutions and Mashreq to discuss the future of AI-powered commerce

As AI agents increasingly move from product discovery to completing purchases on consumers’ behalf, questions around liability, customer trust and loyalty are becoming central to the future of commerce.

These themes emerged during discussions at Rezolve Ai’s booths 11041 and 11047 at Money20/20 USA 2026 in Las Vegas, where industry leaders from Microsoft, Visa, Revolut, Affinity Solutions and Mashreq explored how agentic commerce could reshape the relationship between consumers, banks, retailers and brands.

Ines Clark of Visa described loyalty as “the biggest opportunity within agentic commerce”, highlighting how banks and retailers could use rewards and personalised offers to influence both consumer spending and the decisions made by AI agents.

However, as agents increasingly transact without customers being present, industry participants also raised questions about who bears responsibility when something goes wrong, how businesses can verify purchase intent and how financial institutions can preserve trust as payment experiences become more automated.

AI Agents Are Reshaping the Checkout Experience

For merchants and financial institutions, agentic commerce represents a shift from consumers navigating websites and apps themselves to AI agents discovering products, making recommendations and facilitating purchases on their behalf.

Tyler Pichach, Global Head of Banking & Payments Strategy & GTM, Worldwide Financial Services at Microsoft, said the technology has moved beyond experimentation.

“This isn’t a science experiment anymore. People aren’t just testing things out. We’re actually seeing things in production.”

Pichach also highlighted the potential for AI agents to shorten the path from product discovery to purchase, drawing on Microsoft’s experience launching Copilot Checkout in the US.

“When you have an AI agent who’s helping with a shopping experience, it completely collapses the funnel. When it completely collapses the funnel, the potential to actually close or get to checkout is significantly higher; orders of magnitude higher.”

Kate Sherratt, Chief Strategy and Transformation Officer at Rezolve Reward, pointed to the shift in when businesses can influence consumer decisions.

“AI knows what you want, before you want it, and will soon be transacting on your behalf.”

For merchants, this creates a need to rethink how products are presented to AI agents. Naga Samineni, CEO of RezolvePay, said traditional digital storefronts are not designed for this new purchasing model.

“Websites are not the experience for agents; a buy button means nothing for an agent.”

Liability and Trust Remain Critical Challenges

As AI agents gain the ability to complete transactions autonomously, businesses must determine how to verify that a purchase reflects the customer’s intentions and when additional authentication is necessary.

Pichach highlighted the potential liability associated with high-value purchases, where mistakes could have significant financial consequences. He said the industry needs to consider how additional authentication measures should apply to AI agents, while avoiding unnecessary friction in the customer journey.

He also emphasised the importance of selecting the right AI models for different tasks, arguing that businesses should combine frontier models with specialised solutions designed for specific use cases, including commerce.

Chiraag Jogia, SVP, Global Head of Customer Value Management at Mashreq, highlighted the reputational risks of inaccurate AI-driven recommendations.

“What as a bank, I can’t afford to get wrong is giving the customer the wrong insight or the wrong recommendation because instantly I can lose the years of trust I’ve built with that customer.”

Howe Gu, Group SVP, Customers & Partners at Rezolve Ai, summarised the challenge facing businesses as automation accelerates.

“Faster is useful only when choice and trust remains clear.”

Together, these perspectives underscored the need to balance convenience and speed with appropriate safeguards, clear accountability and customer control.

Loyalty Could Become a Key Differentiator in Agentic Commerce

While liability and trust remain unresolved challenges, speakers also identified loyalty as a significant opportunity for banks and retailers to influence purchasing decisions in an increasingly automated environment.

Clark of Visa described loyalty as the biggest opportunity in agentic commerce, suggesting that rewards and incentives could help shape how AI agents select products and payment options.

For banks, transaction data provides a valuable foundation for delivering relevant offers and engaging customers more frequently.

“A transaction is actually the most frequent engagement point that you’ve got with a customer,” said Jogia of Mashreq, explaining why the bank built its Everyday Cashback programme, powered by Rezolve Reward, around card spending.

Damian Garbaccio, Chief Commercial Officer at Affinity Solutions, highlighted the value of actual purchasing behaviour in understanding consumer intent.

“We always say that the best proxy for a purchase is a purchase.”

Bank transaction data can help advertisers identify relevant audiences based on what consumers actually buy, while providing a way to measure campaign effectiveness through completed purchases.

James House, CEO of Rezolve Reward, described this as a broader shift in how financial institutions engage with customers.

“I think the shift for me is really from banks just focusing on the transaction to actually being able to influence and shape the customer relationship.”

Finance media networks offer one way to achieve this by enabling brands to reach bank customers based on their spending behaviour and measure the resulting impact on purchases.

As agentic commerce develops, loyalty programmes and transaction-led engagement could help banks and retailers remain relevant at the point when AI agents increasingly influence purchasing decisions.

Building the Infrastructure for Agentic Commerce

The discussions at Rezolve Ai’s booths highlighted three interconnected priorities for the next phase of AI-powered commerce: making transactions easier to complete, establishing clear accountability when agents act on behalf of consumers, and using loyalty and transaction insights to create more relevant customer experiences.

As AI agents take on a greater role in shopping and payments, businesses will need infrastructure that connects product discovery, customer intent, payment execution, fraud prevention and rewards.

For financial institutions and retailers, the opportunity extends beyond automating checkout. It is about building trusted customer relationships and ensuring that the shift towards autonomous transactions creates value for consumers, merchants and financial services providers.