Reports: How Acquirers Prepare for Agentic Commerce; Treasury 2.0: Built for a new era; Agentic commerce: The rise of the delegated buyer
Reports released this week by Fintech Wrapup explore how AI, blockchain, and evolving financial infrastructure are reshaping commerce and banking. The reports focus on acquirers preparing for agentic commerce, the emergence of Treasury 2.0 as a new‑era core banking platform, and the rise of the delegated buyer.
The narratives build on ongoing trends of AI‑driven automation in payments, blockchain‑based settlement experiments, and banks’ pursuit of more agile core systems. While no specific adoption figures or timelines are provided, the reports suggest these technologies are moving from pilot to broader implementation.
Key takeaways
- ▸AI and blockchain are identified as key drivers reshaping commerce and banking infrastructure.
- ▸Acquirers are reportedly preparing for agentic commerce, where AI agents act as delegated buyers.
- ▸Treasury 2.0 is described as a next‑generation core banking system built for a new era.
- ▸The rise of the delegated buyer indicates a shift toward automated purchasing decisions by software agents.
- ▸Evolving financial infrastructure is enabling these changes, though concrete adoption metrics were not disclosed.
Why this matters
The reports signal that acquirers must adapt their authorization and settlement processes to handle AI‑initiated transactions, which could reduce friction but introduce new risk and compliance challenges. Treasury 2.0’s emergence suggests banks may soon replace legacy core systems with more modular, API‑driven platforms, affecting vendors and IT budgets. For merchants, agentic commerce could streamline B2B purchases but requires new integration points for agent‑initiated payments. Overall, the trend points to‑human‑driven commerce, prompting investment in fraud detection, data sharing, and real‑time settlement capabilities.
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