Generative and Agentic AI are redefining payments by moving from rule-based systems to intelligent, adaptive ecosystems. Generative AI streamlines compliance, fraud detection, onboarding, and personalized services, while enabling cross-border efficiency and modernizing legacy systems. Agentic AI goes further with self-acting agents that optimize payment routing, resolve disputes, automate compliance, and hyper-personalize customer experiences. Case studies from Visa, Mastercard, Stripe, and DBS highlight faster fraud detection, dynamic credit scoring, and real-time compliance. Together, these AIs promise secure, efficient, and inclusive payments, though risks around security, bias, and regulation remain.

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