Core Viewpoint - Major payment giants are entering the AI agent space, aiming to enable AI agents to autonomously make payment decisions based on user preferences and transaction history [1][2] Group 1: Company Initiatives - PayPal is developing a Financial OS specifically for AI, allowing AI agents to trade autonomously [1] - Mastercard has launched "Agent Pay" to create AI shopping agents [1] - Visa's "Intelligent Commerce" program aims to simplify the payment process for AI agents, which is seen as crucial for enhancing user experience [1][2] Group 2: AI Agent Capabilities - AI agents are becoming proficient in product discovery and selection but still require human intervention during payment [1][2] - Visa envisions a future where users can command AI to make purchases autonomously, such as booking flights or ordering daily necessities [2] Group 3: Collaborations and Data Sharing - Visa is collaborating with major companies like Anthropic, IBM, and OpenAI to enhance AI capabilities [2] - Mastercard is partnering with Microsoft and Checkout.com to develop AI payment solutions [2] - Visa allows sharing of user transaction data with AI companies to improve personalized recommendations [2] Group 4: Security and Trust Issues - Current AI agents face limitations in autonomous payment due to security concerns, as users are hesitant to grant full payment authority to AI [3][4] - Payment companies emphasize privacy protection and security mechanisms to build user trust [4] - Proposed solutions include setting spending limits for AI and using tokenized digital credentials instead of real card numbers [4] Group 5: Different Approaches - PayPal offers a developer toolkit for AI agents to interact directly with its platform, while Alipay focuses on providing AI tools for payment collection rather than autonomous payment [5]