Tech Disruptors Is Agentic Commerce Next Frontier for PayPal?
Aug 14, 2025
Prakhar Mehrotra, SVP and Global Head of AI at PayPal, discusses how AI is set to revolutionize fintech. He explains 'agentic commerce,' where AI can autonomously shop and make decisions for users. The conversation dives into boosting developer productivity, advanced fraud detection, and the future of personalization in digital commerce. Mehrotra also highlights the importance of trust frameworks and the challenges AI faces in understanding physical tasks, emphasizing the evolving role of technology in enhancing consumer experiences.
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From Rules To Proactive Fraud
- Fraud detection evolved from rules to ML and now to reasoning models that can surface unknown unknowns.
- Reasoning-era AI offers a shot at proactive, not just reactive, fraud prevention.
Replace Notary Friction With Digital Identity
- Replace physical identity friction with digital biometrics and signatures to enable trusted agent interactions.
- Focus on building verifiable digital identity to underpin agentic transactions and personalization.
Atomic Personalization And The Smart Wallet
- Personalization will move from coarse segments to atomic-level individual preferences within ~12–16 months.
- Smart wallets can surface the true out-the-door price by factoring loyalty and rewards at checkout.