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26 articles found
Payment Systems
Digitalization keeps changing the speed and shape of payments. AI-based payment agents pay on their own within user-defined limits and rules, completing transactions without the user initiating any action. This post explains how they work and what to watch for.
E-commerce
AI agents are moving beyond answering questions to searching, deciding, and paying on behalf of users. This post explains Agentic Commerce and what it means for payment systems, digital wallets, e-money institutions, banks, and fintechs.
Agentic Commerce
Are We Ready to Give an AI Agent the Authority to Make Payments? Having long looked at complaint and dispute processes in payment systems, I think granting an agent payment authority is far different from research or product selection.
Laws & Regulations
Yes. Payment institutions themselves cannot engage in commercial activities other than payment services, but their agents may continue their other commercial activities alongside the payment services.
General
Who will win in Agentic Commerce? Owning the customer used to be a huge advantage. Once an agent starts deciding on the customer's behalf, where does the real power move to?
Payment Systems
Agentic Commerce Protocol (ACP) is a next-generation protocol that lets AI agents integrate directly into commercial processes such as payments, orders, refunds and subscriptions. This post explains how it works and what it offers businesses.
Laws & Regulations
A payment institution is a legal entity that provides payment services for electronic payments through the infrastructure it offers. This article covers the Turkish regulatory framework, licensing, safeguarding, supervision, penalties and taxation.
Agentic Commerce
Points or habit? Loyalty programs are built on steering human behavior. But if an AI agent starts shopping on our behalf, do points and campaigns still work the same way?
Payment Institutions & E-Money
The Law defines e-money as monetary value issued in exchange for funds accepted by the issuer, stored electronically, used for payment transactions and accepted as a payment instrument by persons other than the issuer. This post explains e-money institutions and the services they may provide.
Payment Institutions & E-Money
A payment institution is a legal entity authorized under the Law to provide and execute payment services. It must be a joint stock company meeting the conditions in Article 14 of Law No. 6493. This post sets out the services listed in Article 12 and the exclusions.
Agentic Commerce
Can AI Decide on Our Behalf? Letting an AI agent handle research can make life much easier. The real question is where that should stop, and how much decision-making authority we are ready to hand over.
Agentic Commerce
The next customer on the internet may not be human. If AI agents become part of purchasing decisions, the rules of e-commerce, marketing, and payment systems could change.