Agentic Commerce's Real Bottleneck Isn't the Technology

🎙️Agentic Commerce's Real Bottleneck Isn't the Technology — with Jas Shah A year and a half ago, agentic commerce was going to change everything. Type a prompt, get a package. So what actually happened? In this episode of One Vision Podcast, Theodora Lau sits down with fintech product expert Jas Shah for a clear-eyed look at where agentic commerce really stands. The technology has mobilized, but as Jas puts it, becoming ready is not the same as being ready. Disputes, chargebacks, and fraud liability haven't been solved for a world where transaction volume could rise exponentially. And consumer behavior hasn't moved at all: they will use AI for discovery, then still tap Apple Pay to buy.  The conversation turns on a single test: utility. Where an agent removes genuine administrative burden, it wins. Where the person actually wants to choose, it doesn't. Which is why Jas argues the real early adopters are businesses: inventory systems, product codes, predictable repeat purchasing, and a procurement decision that comes down to price and delivery speed.  Ready for a bold bet for 2030? It involves a wallet …  💬Hot take: "The tech is becoming ready, but I don't think anyone can say it's ready yet." 🎧 Listen now wherever you get your podcasts. **Keywords:** Fintech, Financial Services, AI, Agentic Commerce  **Timestamp:** 00:00 Welcome and Intro 00:57 Agentic Commerce Reality Check 04:45 Trust and Value Exchange 08:55 Why Businesses Adopt First 11:29 Authorization and Fraud Guardrails 13:22 PSPs and Wallets Strategy 17:27 What People Get Wrong 19:23 Agentic Finance for SMEs 24:37 Personal Finance Utility 27:18 Bold Bet for 2030 **More about our guest**  🌐Jas Shah on LinkedIn: https://www.linkedin.com/in/jas-shah/  **More about our host and One Vision Podcast**  🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision  One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. * * * Hosted on Acast. See acast.com/privacy for more information.