THE FINTECH INTERVIEW
on existing rails rather than introducing parallel systems.
“ Our framework is grounded by our Visa Intelligent Commerce initiative, where we extend our infrastructure, standards and capabilities present in physical and digital commerce today to AI commerce, enabling AI agents to deliver reliable and secure experiences at every step.”
New solutions are already being rolled out to support this transition.“ We have recently launched Intelligent Commerce Connect to empower businesses to connect and to participate in agentic commerce, supporting them in this next stage of this commerce evolution.”
She emphasises that security remains embedded at every layer of this development, particularly as transactions become more autonomous and less directly user-initiated at the point of action.
“ With this, we help to ensure full security and control via our Trusted Agent Protocol which secures automated transactions within Visa’ s network, providing merchants with greater confidence that payments are authenticated and safe.”
She adds that these developments are not being built from scratch, but instead extend the protections already embedded within Visa’ s network, ensuring continuity even as capabilities expand. This includes longstanding security mechanisms that have been adapted to support more autonomous interactions while preserving user intent and oversight.
“ Security measures we utilise, such as tokenisation, are designed to prevent payment credentials from exposure, while authentication and controls help to ensure that transactions reflect the user’ s instructions,” Mandy says, noting that these systems continue to operate at scale.“ Visa’ s systems validate that agent actions match what has been authorised and apply controls at the network level. The same fraud detection and risk systems continue to operate. Agent-initiated transactions are assessed in the same way as any other transaction.”
Testing and scaling agentic innovation For Visa, the shift towards agentic commerce is being shaped through realworld application rather than theory.
“Europe has a unique and dynamic environment that lays a strong to be tested and grown”
Mandy Lamb Head of Value Added Services Visa Europe
28 June 2026