AI Commerce · 48 pages
The Economic Impact of Agentic Commerce
Sizing the next wave of AI-mediated transactions
Published September 15, 2025
Abstract
A bottom-up sizing of the agent-mediated commerce opportunity across consumer replenishment, travel, and B2B procurement, with implications for merchants, issuers, and infrastructure providers.
Key findings
- ▍Replenishment, travel, and B2B procurement lead the early agentic-commerce wave.
- ▍Issuers that ship scoped-token primitives early will capture disproportionate share of agent-initiated volume.
- ▍Merchants that expose structured product, price, and policy data are over-indexed to win agent-routed traffic.
- ▍Existing chargeback and dispute frameworks will require material adaptation for agent-initiated transactions.
Demand-side dynamics
Where users are willing to delegate, and the spend policies that govern that delegation.
Supply-side response
How merchants and marketplaces are restructuring catalogs and APIs for machine-readable price discovery.
Issuer and network response
Scoped tokens, attestation, and the next round of authorization primitives.
Sources & References
- McKinsey & Company - Global Payments Report
- Stripe - Stripe Guides
- CB Insights - Fintech Research
- Gartner - Banking & Investment Services
External references are cited for context and discovery. CashlessTechnology.com is not affiliated with the listed organizations unless explicitly stated.