Findings from Visa’s State of Digital Commerce in Asia Pacific study, commissioned by Visa and conducted by YouGov, surveying 14,764 consumers across 14 markets.SINGAPORE, Feb. 10, 2026 /PRNewswire/ -- Visa, a world leader in digital payments, today released new survey findings on the state of digital commerce in Asia Pacific, revealing that while consumers are increasingly using AI to shop, concerns over security and transparency are creating hesitation at the crucial moment of checkout.With Asia Pacific’s ...

Core Insights - Fiserv and Mastercard have expanded their partnership to enhance agentic commerce, focusing on how AI systems can securely handle transactions on behalf of consumers [1][3] - The integration of Mastercard's Agent Pay Acceptance Framework into Fiserv's infrastructure aims to facilitate AI-initiated purchases while ensuring security and compliance with existing payment systems [2][4] Partnership Details - Under the agreement, Fiserv will incorporate Mastercard's framework, allowing AI transactions to be authenticated and settled through established card networks [2][4] - The partnership reflects a broader industry trend where payment processors are adapting systems for AI-driven transactions, moving from human-centric to software-executed transactions [3][9] Technical Framework - Mastercard's Agent Pay Acceptance Framework includes technical standards for AI agents to transact securely within existing payment systems, utilizing network tokenization and fraud controls [4][5] - Tokenization will replace sensitive card information with network-issued tokens, minimizing risks associated with data storage and transmission [5][11] Authentication Mechanisms - The framework features advanced authentication methods to differentiate between authorized AI agents and malicious automation, moving beyond traditional human-centric signals [6][8] - Fiserv's integration allows merchants to accept AI-initiated transactions seamlessly, utilizing existing authorization and settlement processes [6][11] Industry Context - The partnership is part of a larger movement within the payments industry to establish standards for AI-driven commerce, as firms seek to define these before major tech platforms do [9][10] - Fiserv's collaboration with Visa on the Trusted Agent Protocol further emphasizes a strategy to support agentic commerce across multiple networks [10][11] Market Position - Fiserv's significant market presence enables it to influence the implementation of these standards, processing a large share of U.S. debit and credit transactions [12]

Group 1: Company Overview - Fiserv, Inc. (NASDAQ:FISV) is recognized as one of the 7 best digital payments stocks to invest in currently [1] - The company is a leading provider of core processing and related services [5] Group 2: Recent Developments - Fiserv, Inc. and Visa announced a strategic partnership to implement the Trusted Agent Protocol, enhancing AI-driven consumer purchases [2] - The company is facing shareholder lawsuits alleging misleading information to investors and has undergone executive team reshuffling following a disappointing third-quarter earnings report [4] Group 3: Financial Performance - As of December 22, Fiserv, Inc. shares have dropped approximately 67.02% year-to-date, reflecting a lack of confidence in the company's prospects [3] - The company has cut its organic revenue growth forecasts twice in the past year, with fourth-quarter revenue expected to be $5.3 billion, 8.8% lower than previous projections [3][5] - Full-year revenue is anticipated to increase by 3.6% to $21.2 billion, down from earlier expectations of an 8.2% rise to $22.1 billion [5]

Core Insights - Fiserv, Inc. has announced a strategic collaboration with Visa to enable Visa Intelligent Commerce and deploy Trusted Agent Protocol across Fiserv's agentic ecosystem, enhancing merchants' ability to engage in automated commerce [1][3] Group 1: Collaboration and Technology - The partnership aims to simplify entry into the Agentic Commerce ecosystem, providing tools for Clover and Fiserv merchants, as well as ISV and ISO partners, to foster trust and safety in transactions [2] - The Trusted Agent Protocol will be deployed to authenticate and process agentic transactions, ensuring secure interactions and protecting payment information during checkout [3][5] Group 2: Enabling Intelligent Commerce - Fiserv and Visa are focused on enabling the full potential of intelligent commerce by providing foundational capabilities for agent-driven experiences, allowing seamless integration into existing workflows [4] - Fiserv's role extends beyond payments to include secure connectivity, scalable integration options, and operational intelligence for automating dispute resolution and optimizing routing in real time [5] Group 3: Commitment to Innovation - Both companies are committed to innovation and merchant success, inviting merchants and partners to explore integration and onboarding opportunities [6]

Core Insights - Visa Inc. has successfully completed hundreds of secure, agent-initiated transactions, marking a significant step towards mainstream adoption of AI-driven payments by 2025 [1] - Nearly 47% of U.S. shoppers are currently using AI tools for various shopping tasks, indicating a major shift in consumer behavior [1] - Visa anticipates that millions of consumers will utilize AI agents for purchases by the 2026 holiday season, building on its Visa Intelligent Commerce initiative [1] Visa's Initiatives - Visa is collaborating with over 30 partners to develop AI-driven commerce solutions, with more than 20 agents integrating with Visa Intelligent Commerce [1] - The company is expanding its Intelligent Commerce framework globally, with pilot programs expected to launch in Asia Pacific and Europe in early 2026, and preparations underway in Latin America and the Caribbean [2] - In the Middle East, Visa is partnering with Aldar to facilitate AI agent payments for repetitive fees in the UAE [2] Technology and Security - Visa is establishing standards for trusted agentic transactions through the introduction of the Trusted Agent Protocol, which helps merchants differentiate between malicious bots and legitimate AI agents [2] - Akamai has joined Visa in supporting the Trusted Agent Protocol, enhancing identity, authentication, and fraud controls for AI-driven commerce [4] Partner Contributions - Skyfire is enabling product recommendations and purchases through browser automation for Consumer Reports [3] - Nekuda is facilitating seamless purchases from fashion apps via one-click checkout integrations [3] - PayOS is providing payment infrastructure for agent-driven checkouts with online retailers [3] - Ramp is applying Visa Intelligent Commerce to streamline B2B payments and enhance cashback opportunities for corporate clients [3]

Skyfire's KYAPay protocol verifies to both the consumer and the merchant that the AI agent is acting on behalf of a real, authorized user, enabling merchants to confidently accept actions initiated by non-human actors. Share SAN FRANCISCO--(BUSINESS WIRE)--Skyfire today announced a fully functional prototype of an AI agent securely completing consumer purchases end-to-end, enabled by verified agent identity and agentic payment infrastructure in a controlled environment. The demo illustrates an AI agent auto ...

Core Insights - Akamai Technologies and Visa have announced a strategic collaboration to enhance identity and security controls in agentic commerce through the integration of Visa's Trusted Agent Protocol with Akamai's behavioral intelligence [1][3][4] Group 1: Challenges in Agentic Commerce - As autonomous AI agents increasingly engage in online shopping, merchants face challenges in authenticating these agents and ensuring secure interactions [2] - The lack of a trust layer can lead to loss of control over personalization, security, and consumer relationships for merchants [2] Group 2: Trusted Agent Protocol Features - The Trusted Agent Protocol provides a framework for agent authentication, enabling merchants to gain real-time insights into AI agent activities before they access sensitive systems [3][5] - This protocol allows agents to transmit information to merchants, ensuring that they are approved for specific shopping missions and securely passing payment information [5][6] Group 3: Benefits for Merchants - Merchants can clearly identify legitimate AI agents and their intents, differentiating between browsing and payment activities with the help of Akamai's real-time behavioral intelligence [6] - The protocol enables secure payment interactions by assisting agents in conveying payment information as expected by merchants, while Akamai provides end-to-end protection against fraud [7] Group 4: Industry Context - Akamai's 2025 Digital Fraud and Abuse Report indicates a 300% surge in AI-powered bot traffic over the past year, with over 25 billion AI bot requests in the commerce sector during a two-month period [4] - Nine of the world's top 10 retailers utilize Akamai's services to enhance their digital commerce capabilities, ensuring fast and secure shopping experiences [8]

Group 1 - Visa Inc. is recognized as one of the top credit services stocks to buy amid the US rate cut, with Citi initiating coverage with a Buy rating and a $450 price target, highlighting its dominant network and strong brand as competitive advantages [1] - The company launched a new AI agent verification framework called Trusted Agent Protocol in collaboration with Cloudflare, aimed at enhancing e-commerce security by allowing merchants to verify AI agents [2][3] - The new protocol is introduced during a significant increase in AI-driven traffic to retail websites, which has surged over 4,700% in the past year, ensuring secure communication between approved agents and merchants [3] Group 2 - Visa operates a global payment network that connects consumers, merchants, and financial institutions, facilitating electronic transactions, and is not a credit card company itself [4]

Core Insights - Visa Inc. has launched the Trusted Agent Protocol to enhance secure communication between AI agents and merchants, facilitating agent-driven commerce [1][2] - The protocol aims to improve frictionless interactions in intelligent payments, with significant growth in AI-powered retail traffic [2] - Trusted Agent Protocol allows approved agents to securely transmit critical information to merchants, distinguishing them from malicious entities [3] Group 1: Protocol Features - The protocol enables merchants to recognize trusted agents and verify their credentials without overhauling existing systems [4] - It incorporates agent-specific cryptographic signatures to ensure secure transactions [4] - Key components include agent intent, consumer recognition, and payment information to streamline the purchasing process [5] Group 2: Industry Impact - AI-driven traffic to retail websites in the U.S. increased by over 4,700% in the past year, indicating a significant shift towards AI in commerce [2] - 85% of consumers using AI for shopping reported an enhanced experience, showcasing the growing acceptance of AI in retail [2] - Visa collaborated with various partners, including major payment and technology companies, to develop the protocol [3]

Core Insights - Visa Inc. is launching the Trusted Agent Protocol to enhance security in AI-driven commerce, developed in collaboration with Cloudflare [1][8] - The protocol aims to help merchants verify the authenticity of AI agents, addressing the challenge of distinguishing between trustworthy agents and harmful bots [2][4] - Early partners like Microsoft, Shopify, Stripe, Coinbase, and Worldpay have contributed to the protocol's design, promoting an open and interoperable system [3][8] Company Positioning - Visa is positioning itself as a leader in digital payments by fostering trust in AI-driven commerce, potentially becoming a foundational element for future commerce [4] - Visa's stock has increased by 24.6% over the past year, outperforming the industry average of 1% [7] Competitor Landscape - Competitors such as Mastercard and Affirm are also advancing their AI commerce strategies, with Mastercard introducing the Agent Pay protocol and Affirm supporting Google's Agent Payments Protocol [5][6] Financial Performance - Visa trades at a forward price-to-earnings ratio of 26.59, above the industry average of 21.23, and has a Value Score of D [9] - The Zacks Consensus Estimate for Visa's fiscal 2025 earnings indicates a 13.7% increase from the previous year [11]