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.