Artificial Intelligence and the Future of Payments in Emerging Markets
Explore EBANX’s Beyond Borders 2026 study to uncover the shift from “Know Your Customer” to “Know Your Agent,” as AI-driven behavioral signals redefine trust and antifraud benchmarks in digital payments.
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The Strategic Role of AI in Modern Payment Ecosystems
The e-commerce landscape is seeing an evolving shift toward Agentic Commerce—a trend in which AI agents are expected to play a larger role in decision-making over the coming years. Emerging markets are uniquely positioned to serve as "stress testers" for this trend, thanks to their structural openness and mobile-first payment rails. Simultaneously, fraud prevention is transitioning toward deep behavioral intelligence, exploring how machine-learning models can validate human intent and potentially recover revenue that traditional systems might overlook.
When will AI start
shopping for us?
Agentic Systems Are
Emerging as a New
Payment Actor
Local Data Matters
How AI and Local Data
Combat the Emerging
Market Fraud Paradox
The Emerging Market Sandbox
Exploring why regions with flexible infrastructure can become primary testing grounds for agent-driven trade models.
The KYA Trajectory (Know Your Agent)
Navigating the technical and operational challenges of authenticating non-human actors and establishing new trust protocols.
Refining the Fraud Narrative
Moving beyond binary rules toward localized AI models that aim to bridge the "precision gap" between risk and legitimate growth.
The Evolution of Trust Signals
How a consumer’s history with instant payments could serve as collateral to improve credit card validation.
Beyond Borders is the EBANX annual study that maps the payments industry and e-commerce landscape across emerging markets, combining local market expertise with proprietary transaction data to uncover key payments insights and consumer trends.
The 2026 edition explores how the diversification of payment rails, the growth of card payments and digital wallets, the evolution of recurring and installment models, and the emergence of stablecoins and agentic commerce are reshaping market access across Latin America, Africa, and Asia.
The Multi-Rail Ecosystem: How cards, instant transfers, and digital wallets coexist across the consumer journey in emerging markets.
Subscription Evolution: New ways to address technical churn through recurring APM infrastructure and annual installment payment models.
B2B Digitization: B2B payment trends, the growth of the digital SME segment as B2B buyers, and the emerging role of stablecoins in global B2B e-commerce.
Intelligence-First Defense: How regional transaction data and machine learning strengthen fraud prevention and improve approval rates in digital payments.
The Dawn of Agentic Commerce: Analyzing the emergence of AI agents as autonomous payment actors.
