Mastercard is introducing a new set of services it designed to help banks, merchants and other enterprises adopt “agentic” artificial intelligence (AI) — it calls it the Mastercard Agent Suite.
That helps to position the payments company as both a technology provider and strategic advisor as businesses look to automate customer interactions and operational workflows with AI agents.
It will make the Mastercard Agent Suite available in the second quarter of 2026. Mastercard Agent Suite combines customizable AI agents with technical support and consulting from Mastercard’s global advisory organization. The company said its suite draws on its payments infrastructure, data assets, proprietary technology platforms and a network of more than 4,000 advisors worldwide.
Agentic AI refers to software systems capable of acting autonomously on behalf of users — completing tasks, making recommendations and interacting with other systems without constant human input. Mastercard cited research from eMarketer projecting that one-third of enterprise software applications will incorporate agentic AI by 2028. The company also said it expects a significant share of customer interactions and operational tasks to be supported by AI agents by 2030.
“Readiness is the new competitive advantage,” said Kaushik Gopal, head of insights and intelligence at Mastercard. “Those who lay the groundwork can embrace new commercial opportunities much faster. Mastercard Agent Suite builds on our core strengths to ensure customers can be both nimble and practical as they turn innovation into outcomes.”
About the Mastercard Agent Suite
Mastercard said the suite will allow customers to build, assess and deploy fit-for-purpose AI agents configured for specific business needs. Advisory services support the suite to align deployments with operational, compliance and security requirements.
Initial use cases for the Mastercard Agent Suite that the company outlined:
- Intelligent product discovery for banks. AI agents can recommend financial products such as travel cards or low-fee accounts to consumers, explain why they are a good fit, test offer scenarios and measure campaign performance.
- Conversational shopping experiences for merchants. This allows companies to configure agents with rules for inventory, margins, promotions and brand voice to guide customers through personalized product recommendations across digital channels.
In both scenarios, Mastercard positions the agents as embedded tools within existing customer journeys, designed to improve conversion, personalization and operational efficiency.
Agent Suite expands Mastercard’s growing portfolio of AI and agentic AI-focused offerings. These include Mastercard Agent Pay, which supports trusted agentic transactions, and the Mastercard Developers Agent Toolkit, designed to help software developers integrate agentic capabilities into applications.
How Mastercard is using agentic AI for commerce
The company has also created an agentic commerce and services track within Start Path, its startup engagement program. Mastercard also offers advisory programs such as full day “Spark” workshops to help clients define their AI and agentic commerce roadmaps.
Mastercard said it built the agents with privacy and responsible AI principles “by design.” It built them to adhere to the company’s security standards for data protection and consumer trust. That emphasis reflects growing scrutiny across the payments and commerce industries over how AI systems manage sensitive financial and personal data.
The launch comes as payments networks, fintech firms and large technology companies race to define standards for agentic commerce — a model in which AI agents not only recommend products but can complete transactions on behalf of users.
By tying agentic AI capabilities directly to its payments network, data insights and advisory services, Mastercard is seeking to position itself as a central enabler for banks and merchants navigating the shift from traditional digital commerce to AI-assisted, autonomous commerce.
For many enterprises, the challenge is not awareness of AI’s potential but knowing how to begin. Mastercard’s pitch is that Agent Suite provides both the tools and the expertise to help organizations move from experimentation to practical deployment.
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