Artificial intelligence is reshaping the way money moves, turning payments from isolated actions into intelligent, context-aware interactions. Instead of searching, tapping, or navigating apps, users will increasingly rely on AI agents that understand their routines, anticipate their needs, and act proactively, often before they make a request.

In this episode of ATP recorded at SFF 2025, Jiangming Yang, Chief Innovation Officer at Ant International, explains how AI-powered agents can understand a user’s context, anticipate needs, and act in advance.

Some of the topics that Jiangming covered in detail included:

Payments are becoming intelligent experiences, not transactions. Jiangming emphasized that AI changes the nature of interaction itself.
Agentic AI Is redefining how consumers discover products, decide and make payments.
A I will become the operating partner for global business expansion. Instead of consulting multiple advisors for growth, a business could ask a single AI agent for all of the help it needs.
Collaboration among agents could fundamentally reshape global commerce.
Every innovation pipeline should be gated and supported by security, permission controls and verification layers.

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