Agentic Pay

Real-time account-to-account payments are rising year on year across Europe with Instant Payments Regulations (IPR) and legislative PSD3 proposals. This presents a significant opportunity for Open Banking to scale over the next decade as regulatory conditions improve & commercialisation models become available to the banking community.

 

In addition, Financial Data Access (FiDA) is expected to put in place the regulatory mechanisms for Open Finance to scale beyond Open banking into tangential Financial Services sectors such as investments, insurance and lending. This will allow consumers to grant access to their own data, opening up avenues to enhanced product propositions & business revenue opportunities.

 

Finally, with the advent of Artificial Intelligence (AI) and AI Agents specifically, combining agents with Open Banking / Open Finance payment propositions will accelerate the adoption & immersion of this technology.

 

These 3 overarching trends are already underway in Europe & we are only at the beginning of the maturity curve with Open Data as the target state. This will unfold over the next decade.

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Agentic Pay is here to help you navigate these trends. We work with SME merchant companies to develop & execute payment strategy programmes in Open Banking & Open Finance.

1. Strategy & research

2. Regulatory compliance

3. Technology implementation and transformation
    

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