Agentic Commerce and AI Agents: Spend Less Time Buying
Blog post from Basis Theory
Agentic commerce refers to AI agents completing transactions on behalf of consumers or businesses, promising greater efficiency by automating routine purchases while retaining human involvement for more consequential buying decisions. In a discussion on The Payments Strategy Show, Basis Theory CEO Colin Luce examines key challenges surrounding who initiates agent-driven transactions, how user intent and authorization can be verified, and where liability should reside. He argues that responsible adoption requires guardrails focused on identity verification, transaction permissions, and confirmation that a user genuinely intended an action, potentially supported by controls such as spending-limited virtual cards, platform-level safeguards, and biometrics. Luce envisions practical uses such as asking an AI assistant to locate an unavailable product at a nearby store, purchase it using a stored payment credential, and arrange pickup, while emphasizing that human oversight will likely remain necessary as agentic commerce develops over the next several years.
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