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Agentic AI and the payments stack: Are industry initiatives enough?

DLR train running over the bridge in Canary Wharf, London, at sunset
Photo: IR_Stone/Getty Images

How the UK financial services industry has tackled agentic payments and whether it is time for payments regulation and policy to play catch up.

Reports of AI agents “going rogue” and scaremongering about potential disaster scenarios are now daily news. The AI sector itself is calling for “pacing” of frontier development, partly to give lawmakers (and indeed, humanity) time to catch up.

In contrast, agentic commerce shows no signs of decelerating and has the

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