Waller, Payments in the Age of AI Agents

Thank you for inviting me to speak here today. 1 Last year at Sibos I leaned into the conference theme and discussed how a range of emerging technologies could shape the next frontier in global payments. 2 Consistent with this year's theme, today I want to focus more specifically on the state of artificial intelligence (AI) in payments and raise a few questions about how this technology could change the way payment systems operate. As I have discussed before, within the financial sector, the payments industry has long been at the forefront of using AI to improve operations. 3 There is a rich history of deploying machine learning to combat payments fraud.