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Janurary 2026 • Issue 26:01:02

Agentic commerce, Part 1:

Our biggest integration so far

Deep fakes, automated attacks

Agentic commerce, Bosankic noted, delivers a nearly
frictionless user experience but introduces risks and
security challenges that must be addressed before mass
adoption. For example, a Gartner study published in June
2025, revealed that AI agents can create new attack surfaces
when embedded into enterprise applications.

"When Microsoft 365 Copilot was released, the massive
adoption and ease of use created a new attack surface for the
existing risks of oversharing due to insufficient SharePoint
data access management," Gartner researchers wrote.
"Similarly, accessible automations through embedded
features, or by no-code agent development platforms (for
example, AutoGen, CrewAI), will create new attack surfaces
and trigger increased use."

By Dale S. Laszig Allen Kopelman, co-founder and CEO of Nationwide
ayment system architects and engineers describe Payment Systems, mentioned that bad bots and deep fakes
the evolution from simple POS devices to agentic have been plaguing risk managers and underwriters. "I've
commerce as a journey shaped by technological seen companies with fake Facebook pages, websites and
P breakthroughs and costly break-ins. Each pay- Google files look convincing enough to fool a bank," he said.
tech innovation has expanded convenience while introduc-
ing new threats. "It's not like the old days, when it was easy to spot a fake;
today we use AI tools to detect bogus bank statements and
Experts believe agentic commerce may follow the same driver's licenses."
pattern. In this first article in a series on agentic commerce,
payments industry leaders assess the risks of integrating
agentic AI into existing payment platforms.

Goran Bosankic, co-founder and chief revenue officer at Contributed articles inside by:
Field39, a global paytech company, has witnessed numerous
groundbreaking changes over several decades. Allen Kopelman .....................................................................................17

"EMV, contactless, Apple Pay, 3D Secure, tokenization Ken Musante ..........................................................................................28
and many other technologies introduced new risks and Casey Scheer ..........................................................................................30
opportunities and each time, the pattern of balancing
consumer protection with ease of use was almost always Anthony Walton ....................................................................................32
the same," he said. "Today we face a similar challenge with
the rising trend of agentic commerce."
Continued on page 24