Michal Kowalski is a Manager in the Practice Group Payments at zeb. In this role, he is managing projects with a focus on strategy & management consulting.
At the edge of autonomy: exploring the strategic implications of agent-initiated payments
09/02/2026
Looking ahead, as AI agents potentially evolve from supporting consumersโ decision-making processes to acting autonomously on their behalf, payments could shift from a downstream, human-triggered step to a more embedded, automated, and agent-initiated function โ depending on how technology maturity, regulation and consumer acceptance develop.
