Your next customer won't be human. AI agents are becoming first-class transactors — browsing, deciding and paying with no person in the loop. When software initiates the payment, the contest shifts from the rail to the moment of intent: who owns it — the wallet, the platform, the merchant, or the agent's operator? What does an agent need before it can spend: identity, mandate, limits, recourse? Why do stablecoins and programmable money fit machine-initiated commerce better than card rails built for humans? And when an agent pays the wrong party on the wrong instruction, who is liable? The checkout is being rebuilt for machines. This session is about who gets to own it.

AI is changing software testing, but can financial institutions trust what it generates? Using a live demonstration of AI-assisted test generation, human review and automated execution, this session explores how to accelerate banking QA while managing errors, coverage gaps and accountability. Attendees will learn practical controls for adopting AI in critical financial systems.

A hotel concierge earns trust by arranging the journey, not owning the car. This session asks what banks and wallets can learn from that model. Through examples from super-apps, digital banks and behaviour-based rewards programmes, it explores how embedded mobility can drive revenue and loyalty. Participants will leave with a practical framework for testing the economics and safeguarding trust when partners deliver the service.