Financial Regulation - In the know: Payments – February 2026

(2 min read)

Agentic artificial intelligence (agentic AI) is rapidly gaining attention as a transformative force within the payments sector. Distinct from conventional automation, agentic AI systems possess the ability to act autonomously, making independent decisions and executing tasks to fulfil specific objectives. This advanced capability has the potential to drive significant efficiencies and foster innovation across payment processes. However, it also introduces complex challenges, particularly in relation to consumer protection, accountability, and the evolving landscape of regulatory compliance. As the adoption of agentic AI in payments accelerates, it is essential to understand both its practical applications and the legal and regulatory barriers that must be addressed. In this edition, we examine the emerging use cases for agentic AI in payments and consider the key compliance issues facing the UK market.

Agentic AI considerations for Payment Service Providers

There have been significant advances in how we manage and spend our money. From the first card payments using signatures, to chip and pin, contactless payments and now A2A using online banking solutions. Each development has changed how people interact with retailers and payment service providers, in many cases increasing access to one’s own money and providing more choices for consumers. However, these advancements have also come with increasingly complex regulatory challenges, balancing customer convenience with sufficient checks and friction to protect customers and reduce the risk of fraud.

Within this context, agentic artificial intelligence (AI) is emerging as the next potentially transformative technology for payments. Unlike traditional automation, agentic AI systems can operate with a degree of autonomy, making decisions and taking actions to achieve defined objectives. In payments, this capability raises both opportunities for efficiency and innovation, and significant questions around consumer protection, accountability, and consequently, regulatory compliance.

Explore our insights on agentic AI in payments and key regulatory considerations for payment service providers.

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If you want to find out what these updates mean for your business, or discuss training opportunities or systems and controls changes, please feel free to get in touch with our Payments team who would be delighted to speak to you.

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