American Express Explores Agentic AI for Future Payments

Agentic AI is emerging as a potential new layer in commerce, allowing software to move beyond recommendations and carry out tasks such as searching, comparing products and initiating payments. American Express is examining how the technology could connect artificial intelligence with financial services, reshape digital transactions and improve customer experiences while preserving the trust and security required in payments.

Margaret Ryan, senior vice president of product at American Express Digital Labs, discussed the company’s approach in Season 7, Episode 16 of “What the FinTech?” The conversation focused on how AI-driven agentic commerce could influence future payment journeys and broader business transformation. The report did not disclose an investment amount, transaction target or launch date, indicating that the initiative remains an exploration of strategy and product direction.