Want to win in the new world of AI-driven shopping? Steal Visa’s Intelligent Commerce playbook.
1. Build for AI agents, not just human users.
Visa’s Intelligent Commerce is designed to integrate AI agents into the shopping experience, enabling them to not only recommend products but also complete transactions on behalf of users. This shift acknowledges the growing role of AI in commerce and the need to cater to both human users and their AI counterparts.
2. Tokenize sensitive data so agents can act without exposing it.
The platform employs tokenization to replace traditional card details with secure digital tokens. This allows AI agents to perform transactions without exposing sensitive user information, enhancing security and reducing the risk of fraud.
3. Add constraints and conditions (spending limits, product categories).
Users can set specific parameters for their AI agents, such as spending limits and approved merchant categories. These constraints ensure that AI agents operate within predefined boundaries, providing users with control over their financial activities.
4. Create real-time oversight tools for the end user.
Visa’s system includes real-time transaction monitoring and alerts, allowing users to oversee their AI agents’ activities. This feature ensures transparency and enables users to intervene if necessary, maintaining trust in the AI-driven process.
5. Design dispute resolution into the flow—not as an afterthought.
The platform integrates dispute resolution mechanisms directly into the transaction process. By doing so, it ensures that any issues arising from AI-initiated transactions can be addressed promptly and efficiently, reinforcing user confidence in the system.
