The Euro Banking Association has released new research papers examining how emerging technologies will reshape the payments landscape, as revealed at EBAday 2026 in Copenhagen. Director Daniel Szmukler highlighted two critical technologies set to transform the sector: agentic AI and tokenised money. The EBA analysis explores how these innovations will fundamentally alter payment processing workflows, enhance customer experiences, and restructure the broader payments ecosystem.
Agentic AI, which enables autonomous decision-making systems, is expected to automate complex payment operations, while tokenised money could revolutionize settlement speeds and cross-border transactions. The timing is significant as financial institutions face mounting pressure to modernize infrastructure and compete with fintech challengers. Payment providers, banking technology teams, and treasury departments should prepare for operational changes as these technologies move from experimental to mainstream adoption.
FXnCO Insight
Payments professionals should review the EBA papers immediately to assess how agentic AI and tokenisation will impact their current systems and begin strategizing integration roadmaps before competitive pressure forces reactive implementations.
Source: Finextra