Why Agentic Commerce won't kill the checkout page, how agents work, what the Agentic Commerce stack will look like, and looking ahead to Agentic Finance
Everyone’s talking about retailers and marketplaces in agentic commerce, but the real advantage sits with fintechs and banks. They hold the richest, most complete dataset on consumer behavior — not just what people buy, but when, where, how often, how much, and in what financial context. They see income patterns, discretionary spend, subscriptions, credit behavior, recurring expenses, and life event triggers. This horizontal, real-world transaction data is far more valuable than the siloed vertical data a retailer like Amazon has. The players that can act on this data to power commerce agents — optimizing spend, predicting purchases, and personalizing offers in real time — will quietly control the future of agentic commerce.
Everyone’s talking about retailers and marketplaces in agentic commerce, but the real advantage sits with fintechs and banks. They hold the richest, most complete dataset on consumer behavior — not just what people buy, but when, where, how often, how much, and in what financial context. They see income patterns, discretionary spend, subscriptions, credit behavior, recurring expenses, and life event triggers. This horizontal, real-world transaction data is far more valuable than the siloed vertical data a retailer like Amazon has. The players that can act on this data to power commerce agents — optimizing spend, predicting purchases, and personalizing offers in real time — will quietly control the future of agentic commerce.
Exactly JB