{"id":22485,"date":"2026-02-03T15:11:43","date_gmt":"2026-02-03T15:11:43","guid":{"rendered":"https:\/\/www.finnosummit.com\/?p=22485"},"modified":"2026-02-03T15:11:43","modified_gmt":"2026-02-03T15:11:43","slug":"digital-commerce-as-we-know-it-is-about-to-be-completely-transformed","status":"publish","type":"post","link":"https:\/\/www.finnosummit.com\/en\/digital-commerce-as-we-know-it-is-about-to-be-completely-transformed\/","title":{"rendered":"Digital commerce as we know it is about to be completely transformed"},"content":{"rendered":"

For decades, the model has been built around human clicks<\/em>: a user searches, compares, chooses, and pays. But we are now entering the era of Agentic Commerce<\/strong>, where Artificial Intelligence\u2014once merely a search assistant\u2014is becoming an economic actor with real decision-making power.<\/p>\n

By 2030, the agentic commerce market is expected to reach a value between $3 and $5 trillion<\/strong>. In this new ecosystem, AI agents don\u2019t just anticipate needs; they negotiate and execute transactions autonomously.<\/p>\n

Why is this shift critical for Latin America?<\/h3>\n

Latin America now faces the challenge of adapting its financial infrastructure to support AI agents.<\/p>\n

\n

\u201cWhile Latin America is still working on digital inclusion, the global industry is already building secure rails for AI agents to execute transactions.\u201d<\/em>
Andr\u00e9s Fontao, CEO of Finnosummit<\/strong><\/p>\n<\/blockquote>\n

For Fintech leaders across the region, this is not just another technology trend\u2014it is a survival imperative<\/strong>. Platforms that fail to become agent-ready<\/strong> through robust APIs risk becoming invisible to the new gatekeepers of consumption: AI agents<\/strong>.<\/p>\n

The pillars of Agentic Commerce: KYA and Agent Pay<\/h2>\n

The transition to an AI-agent economy requires a radically different trust infrastructure. Traditional KYC (Know Your Customer)<\/strong> is no longer enough. A new standard is emerging: KYA (Know Your Agent)<\/strong>.<\/p>\n

Programmable payments<\/strong>
Protocols like KYAPay by Skyfire<\/strong> enable AI agents to operate with verified identities and auditable spending limits\u2014preventing uncontrolled or unauthorized transactions.<\/p>\n

Global standards<\/strong>
Industry leaders such as Mastercard<\/strong> are defining the Agent Pay<\/strong> standard, establishing the authentication framework needed to make agent-driven transactions secure, scalable, and globally interoperable.<\/p>\n

New revenue models<\/strong>
As AI replaces traditional advertising funnels, companies must explore new monetization strategies\u2014such as real-time negotiation fees or contextual sponsorships embedded directly into AI-driven transactions.<\/p>\n

Join the live debate at Conexi\u00f3n Fintech<\/em><\/h2>\n

Is Latin America ready to delegate financial decisions to algorithms?
How can banks and Fintechs across the region capitalize on a $5 trillion opportunity<\/strong>?<\/p>\n

In the next edition of Conexi\u00f3n Fintech<\/strong>, we bring together the global leaders building this infrastructure today:<\/p>\n