THE FINTECH INTERVIEW
Mandy explains that working directly with partners in live environments has been critical to understanding how these systems behave in practice, particularly when it comes to balancing performance, trust and usability. Agentic Ready, for example, is a key part of this approach, designed to move beyond concept and into execution while still operating within familiar frameworks.
“ One of the clearest lessons is that this needs to be tested in real environments,” she explains.“ Programmes we’ ve launched like Agentic Ready are designed to give issuers a structured way to test agent-initiated transactions in live settings, using infrastructure they already trust. This helps move the conversation from what might work to what actually does.”
Europe has provided a particularly effective testing ground – not only because of its scale but also due to the complexity and diversity of its payments ecosystem. This has allowed Visa to trial and refine its approach in conditions that reflect real market dynamics.
“ Europe has a unique and dynamic environment that lays a strong foundation for agentic commerce to be tested and grown,” she adds.
Alongside experimentation, Mandy highlights the importance of accessibility, noting that adoption will depend on how easily businesses can engage with these new capabilities. Reducing integration barriers has been a priority, she says, ensuring that participation does not require significant system overhauls.
She continues:“ We have also seen the value of making it easy for partners to get involved. fintechmagazine. com 31