When we surveyed five leaders in the agentic payment space, we got a pretty clear consensus. Institutions are adopting this first, not consumers, and the reason has less to do with the technology and more to do with the fact that most people still don't want an AI agent touching their money. Jacquie (@jacqmelinek) and Alex (@ahbeaudry) spoke more on why this may be the case: "The idea of trust and that institutions are probably more willing to trust this because it's a technology that they could use to cut costs, cut intermediaries, whereas the consumer doesn't necessarily feel that way. And until consumers can actually trust this and realize like okay, this is more of a tool [that improves] my life." "On the institutional front, the transactions that they would be using agents for are a lot easier to trust an agent to do. So for a consumer, if I'm using it to buy shoes, that's a much more complicated task than having an agent handle my payroll or handle micro transactions. Those are a lot more programmable and easier to predict and to set up in advance."