{"id":286087,"date":"2026-07-05T11:53:00","date_gmt":"2026-07-05T15:53:00","guid":{"rendered":"https:\/\/news-you-need.com\/index.php\/2026\/07\/05\/indias-agentic-ai-dream-for-fintech-needs-an-infrastructure-relook-artificial-intelligence-news\/"},"modified":"2026-07-05T16:50:11","modified_gmt":"2026-07-05T20:50:11","slug":"indias-agentic-ai-dream-for-fintech-needs-an-infrastructure-relook-artificial-intelligence-news","status":"publish","type":"post","link":"https:\/\/news-you-need.com\/index.php\/2026\/07\/05\/indias-agentic-ai-dream-for-fintech-needs-an-infrastructure-relook-artificial-intelligence-news\/","title":{"rendered":"India’s agentic AI dream for fintech needs an infrastructure relook | Artificial Intelligence News"},"content":{"rendered":"

India’s agentic AI dream for fintech needs an infrastructure relook | Artificial Intelligence News<\/a><\/p>\n

https:\/\/www.business-standard.com\/technology\/artificial-intelligence\/india-s-agentic-ai-dream-for-fintech-needs-an-infrastructure-relook-126070500527_1.html<\/a><\/p>\n

Publish Date: 2026-07-05 11:53:00<\/a><\/p>\n

Source Domain: www.business-standard.com<\/a><\/p>\n

\n\tToday, the industry has edged closer to production. But the biggest challenge to widespread deployment is no longer artificial intelligence (AI) itself. Instead, it is the financial and commerce infrastructure that was built decades ago for deterministic software and human interactions \u2014 not autonomous AI agents.\u00a0<\/p>\n

\n\tAgentic commerce is expected to evolve in three phases; starting with assistive, progressing to guided, and eventually\u00a0<\/p>\n

\n\treaching autonomous flows.\u00a0<\/p>\n

\n\tBut before AI agents can routinely shop, transact or negotiate on behalf of users, banks, payment processors and merchants will need a new layer of infrastructure governing permissions, authentication, authorisation, auditability and liability. Building that invisible plumbing is fast emerging as the industry\u2019s next major challenge.\u00a0<\/p>\n

\n\t\u201cOn payments, agents acting on a consumer’s behalf will need clear consent and spending controls before adoption can move beyond pilots, and that requires regulatory clarity, not just better technology. Discoverability also changes character: platforms must be as legible to a machine as they are to a person today, or they risk losing transactions they would otherwise win,\u201d said Keshav Kumar, chief product and technology officer, BigBasket.\u00a0\u00a0<\/p>\n

\n\tThere are challenges around edge cases too. What happens when an agent, which was assigned to spend no more than \u20b95,000 for a pair of shoes, spends more than twice the amount instead? Multiple interactions will need to be captured in a central registry to ensure accountability and enable verification across different use cases.\u00a0<\/p>\n

\n\tWho created an AI agent? How is that agent identified and authenticated? What actions has a user authorised it to perform? And once consumers begin deploying multiple agents for different tasks, can today’s payments and commerce infrastructure cope with a world where autonomous agents, and not humans, are initiating multi-cart transactions?\u00a0<\/p>\n

\n\t\u201cPayments have…<\/p>\n

Source<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

India’s agentic AI dream for fintech needs an infrastructure relook | Artificial Intelligence News https:\/\/www.business-standard.com\/technology\/artificial-intelligence\/india-s-agentic-ai-dream-for-fintech-needs-an-infrastructure-relook-126070500527_1.html…<\/p>\n","protected":false},"author":1,"featured_media":286088,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"https:\/\/bsmedia.business-standard.com\/_media\/bs\/img\/article\/2026-07\/05\/thumb\/fitandfill\/1200X628\/1783266786-501.jpg","fifu_image_alt":"","footnotes":""},"categories":[14],"tags":[],"class_list":["post-286087","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artificial-intelligence"],"_links":{"self":[{"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/286087"}],"collection":[{"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/comments?post=286087"}],"version-history":[{"count":1,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/286087\/revisions"}],"predecessor-version":[{"id":286089,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/286087\/revisions\/286089"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/media\/286088"}],"wp:attachment":[{"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/media?parent=286087"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/categories?post=286087"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/tags?post=286087"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}