{"id":4903,"date":"2026-09-19T05:55:26","date_gmt":"2026-09-19T05:55:26","guid":{"rendered":"https:\/\/www.vaultinsider.top\/?p=4903"},"modified":"2026-09-19T05:55:26","modified_gmt":"2026-09-19T05:55:26","slug":"know-your-agent-banks-face-a-new-compliance-challenge-as-ai-agents-shop-and-pay-on-their-own","status":"publish","type":"post","link":"https:\/\/www.vaultinsider.top\/?p=4903","title":{"rendered":"&#8216;Know your agent&#8217;: Banks face a new compliance challenge as AI agents shop and pay on their own"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/fortune.com\/img-assets\/wp-content\/uploads\/2026\/09\/55515269011_e358f9d1b1_o-e1789646977602.jpg?w=2048\" \/><\/p>\n<p>Financial firms have spent decades perfecting \u201cknow your customer\u201d rules. Their next compliance challenge: \u201cknow your agent.\u201d<\/p>\n<div>\n<p class=\"wp-block-paragraph\">That was the warning from Zhuoqun Bian, president of Ant Digital Technologies, the enterprise arm of Ant Group, at the Fortune Leaders Forum in Macau on Sept. 8.<\/p>\n<p class=\"wp-block-paragraph\">\u201cFrom the financial institutions\u2019 perspective, when we initiate a transaction, we have to do the KYC [know your customer]\u201d she said. \u201cIn the agent economy, you need to know your agents. Who\u2019s the agent? Who does it belong to? Who authorized it?\u201d<\/p>\n<p class=\"wp-block-paragraph\">Agents could orchestrate as much as $5 trillion in global consumer spending by 2030, according to a January report from McKinsey.<\/p>\n<p class=\"wp-block-paragraph\">Yet the infrastructure in which these agents operate was designed for humans. \u201cLooking forward, all the infrastructure needs to be rebuilt or enhanced for agents,\u201d Bian said.<\/p>\n<p class=\"wp-block-paragraph\">On Sept. 6, Ant International, Ant Group\u2019s global payments arm, announced it had begun collaborating with Mastercard and Visa on a \u201cknow your agent\u201d interoperability framework, meant to let card networks, digital wallets, and marketplaces recognize trusted AI agents across ecosystems. The companies will work through BuildFin.ai, an industry platform convened by the Monetary Authority of Singapore, the city-state\u2019s central bank.<\/p>\n<p class=\"wp-block-paragraph\">In an April note, the International Monetary Fund observed that AI agents are probabilistic and adaptive, meaning the same prompt can yield different answers, while payment systems must return the same answer every time. \u201cPayment rails, from card networks to real-time gross settlement (RTGS) systems, rely on predictable rules, legal certainty, and clear accountability structures to ensure trust and financial stability,\u201d the note\u2019s authors wrote.<\/p>\n<p class=\"wp-block-paragraph\">For banks, the bigger question is whether their own systems can keep pace. \u201cI personally have never come across a situation where the technology of an agent failed us\u2014or rather, led to an undesirable outcome,\u201d said Benson Wong, managing director and head of digital at JPMorgan Private Bank. \u201cIt\u2019s always around the operating model, the processes, and the compliance and the controls.\u201d<\/p>\n<p class=\"wp-block-paragraph\">The cost of an agent getting something wrong scales with its autonomy, he added: \u201cIf you ask an agent\u2026an information-seeking question and [it answers] wrongly, it\u2019s not good, but you have an embarrassing moment. If you don\u2019t get agentic workflows correct, there are vastly scaled impacts.\u201d<\/p>\n<p class=\"wp-block-paragraph\">\u201cYou need to know your agents much more than you know your customers,\u201d Bian concluded.<\/p>\n<\/div>\n<p>#agent #Banks #face #compliance #challenge #agents #shop #pay<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Financial firms have spent dec&hellip; <\/p>\n","protected":false},"author":1,"featured_media":4904,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[916,832,3013,1132,7956,523,3110,2125,430,45],"class_list":["post-4903","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-news","tag-agent","tag-agents","tag-banks","tag-challenge","tag-compliance","tag-face","tag-fintech","tag-fortune-leaders-forum","tag-pay","tag-shop"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>&#039;Know your agent&#039;: Banks face a new compliance challenge as AI agents shop and pay on their own - 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