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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Three Strategic AI Pillars
- PayPal groups AI work into productivity, fraud/identity, and personalization buckets to drive impact across the company.
- This structure targets faster answers, better fraud detection, and tailored user experiences.
Eliminate Paper-Cut Inefficiencies
- Use AI to remove small "paper-cut" inefficiencies across the software lifecycle to accelerate product delivery.
- Apply models to translation, legacy code conversion, and live demos to cut time and developer effort dramatically.
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.