The Agentic Commerce Economy Ep. 3 – The Protocol Layer (with Google)

AI is already reshaping the cybersecurity landscape. Quantum computing could transform it again. For financial institutions, the combination raises some big questions — about security, encryption and even the future of decentralized finance.These are conversations that are increasingly relevant across the Mobey Forum community. Together with FinTech Daydreaming, we brought two experts into the discussion: Juha Vesanto, Head of the New Quantum and AI Research Center at OP Pohjola, and André Schmidt, Lead Secure Responsible AI & Data Protection at Accenture and a member of Mobey Forum’s AI Expert Group. Joined by FinTech Daydreaming hosts Ville Sointu and Pål Krogdahl, they explore the rapidly approaching intersection of artificial intelligence and quantum computing in financial services.In this episode, they break down:The AI Attack Swarm: Frontier AI models are drastically lowering the barrier to entry for cybercriminals. The panel discusses how institutions must shift to an "assume breach" mentality and zero-trust architecture, referencing recent protracted AI agent attacks on Hugging Face and social engineering breaches against Revolut in Italy.Preparing for Q-Day: Quantum computing threatens to shatter the public-key encryption (like elliptic curves) that currently secures the internet. Juha explains the urgent need for "crypto agility" and "harvest now, decrypt later" defense strategies, while also highlighting the positive, massive optimization potential quantum holds for the future of finance.Are Public Blockchains Cooked?: We debate whether decentralized finance and public ledgers can survive. Because smart contracts are immutable and currently lack the governance to force key updates, the panel warns that DeFi might be a sitting duck against the combined power of AI and quantum decryption.Juha and André will and will also be on the agenda at Mobey's upcoming Member Meeting in Brussels, where the conversation will continue.Learn more about Mobey ForumDiscover FinTech Daydreaming#MobeyForum #FinTechDaydreaming #artificialintelligence #quantumcomputing #cybersecurity

How do established payment players view agentic commerce? In this episode, Mobey Forum’s AI Expert Group Chairs Amir Tabakovic and Ruper Rieder discuss with Nexi’s Raja Saggi AP2’s role in the ecosystem, its impact on existing rails, and how it builds on CNP and M2M models. We discuss readiness, collaboration, and what banks should prioritise as AI-driven transactions evolve.https://www.linkedin.com/company/mobeyforum⁠⁠https://mobeyforum.org/⁠⁠https://www.youtube.com/@MobeyForum

Together with Deniz Oran, Head of Payments Partnerships at Google, Mobey Forum’s AI Expert Group Chairs Amir Tabakovic and Ruper Rieder deep dive into Google’s Agent Payments Protocol (AP2) and the strategic problem it aims to solve. In this episode we explore why Google is leading this initiative now, how mandates and trust models work in practice, and what it means for payment rails, performance, and regulation in an AI-driven commerce landscape.https://www.linkedin.com/company/mobeyforum⁠⁠https://mobeyforum.org/⁠⁠https://www.youtube.com/@MobeyForum

With André Schmidt, Data Security Lead at Accenture in Switzerland, Mobey Forum’s AI Expert Group Chairs Amir Tabakovic and Rupert Rieder stress-test the new security infrastructure against malicious agents. In this episode, they break down emerging attack vectors like Prompt Injection, the technical implementation of Know Your Agent (KYA) with Decentralized Identifiers (DIDs), the feasibility of real-time AI fraud scoring within the millisecond payment window and the growing concept of Human in the Lead.https://www.linkedin.com/company/mobeyforumhttps://mobeyforum.org/https://www.youtube.com/@MobeyForum

Mobey Forum’s AI Expert Group Chairs Amir Tabakovic and Rupert Rieder launch a podcast series on Agentic Commerce Economy with a foundational look at agentic commerce. In this episode, they provide a clear explanation of how this new era of delegated commercial authority is emerging and why it is happening now. They detail what emerging standards and protocols could change for e-commerce in terms of risk, customer interaction, and infrastructure.mobeyforum.orgLinkedIn⁠⁠Youtube

Banks are under pressure to define their role in embedded ecosystems—or risk losing relevance. In this episode, co-chairs of Mobey's Payments Expert Group, Ville Sointu (Nordea) and Pål Krogdahl (Samlink), unpack the group’s recent report and take the discussion even further—exploring how Embedded Finance can move from theory into a practical growth strategy for banks.The session covers:Why having a well-thought-out Embedded Finance strategy is crucial for banksHow different approaches to Embedded Finance can be defined: API-Driven Banking, Verticalised Offering, and Platform BankingReal-life examples of banks successfully executing each of the identified strategies.Embedded Finance: A Strategic Roadmap for Banks - the full report is available free of charge on the Mobey Forum website.Support the showmobeyforum.orgLinkedInYoutube

Join Kasper Sylvest, Chair of Mobey Forum’s Board of Directors, as he revisits the industry’s turning points together with the ‘Mobey veterans’ Kristian T. Sorensen (IN Groupe), Amir Tabakovic (experiens.AI), and Ville Sointu (Nordea). They reflect on how Mobey and the industry grew up together, with Mobey frequently anticipating the next shift — and why the most exciting changes may still be ahead. In this podcast, they trace the predictions, turning points, and lessons that have shaped the way we pay, identify ourselves, and imagine the future of banking. What topics were explored: “This is the year of NFC” (… said every year, for a decade): For ten years, each new year was predicted to be the year of NFC. However, a breakthrough for NFC finally came with the emergence of HCE and a memorable unveiling of the world’s first HCE demo at Mobey’s Member Meeting.The Wallet Era: From those beginnings came the era of the digital wallet — and the Mobey’s definition of a wallet that still holds firm today. The work evolved into the Control Points Framework to analyse the ownership dynamics in the wallet, and it’s still being used today for an analytical update of the wallet space.From Payments to Identity: We began with payment wallets where ID was a feature. Now we are entering the age of ID wallets, with payments as the add-on. But perhaps what matters most isn’t the container’s name — only that we can access it.Still Talking Wallets: We know the answer is “wallets,” but what exactly is the question? And should they even be called wallets?“Payment is not a product. It’s a feature .”  A famous Mobey quote that is still as true today as ever, and one that product teams often forget. Its source may be forgotten, but its impact endures.From Predictive Analytics to AI: A decade ago, we called it predictive analytics. Today, it’s AI in banking. Either way, it’s another means to an end. The challenge today is in creating the right environment for banks to harness AI effectively, guided by best practices and sound governance.When we see real gold, we build on it. When we see hype, we expose it. That has always been Mobey’s role.Enjoy!Support the showmobeyforum.orgLinkedInYoutube

In this episode, we take a deep dive into Mobey Forum’s latest report on the European Digital Identity Wallet (EUDIW), unpacking its key insights and strategic implications for banks. Members of Mobey’s Digital Identity Expert Group explore real-world use cases, regulatory timelines, market-specific hurdles, and the unique opportunities EUDIW presents for financial institutions.The session brings together expert perspectives from Heidi Torgnes (Stø AS), Mikko Hiekkataipale (Nordea), John Erik Setsaas (Tietoevry), and Roland Eichenauer (IN Groupe), offering a valuable extension to the report with a focus on the strategic and business potential of EUDIW for financial institutions.The full report is available free of charge on the Mobey Forum website.Support the showmobeyforum.orgLinkedInYoutube

Conversational AI is rapidly transforming digital banking—but before launching, are you asking the right questions?In this podcast, the co-chairs of Mobey Forum’s AI Expert Group—Amir Tabakovic, Rupert Rieder— and Vjekoslav Bonic discuss the key insights from their newly published infographic, 10 Must-Answer Questions for Banking Executives to Ask Before Going Live with Customer-Facing Conversational AI Solutions.Developed through interviews with AI leaders from leading banks and industry experts, the infographic highlights the most important strategic, regulatory, and operational considerations for a successful AI deployment. Topics include AI governance, risk management, human intervention protocols, and responsible data handling. Infographic available free of charge here. Support the showmobeyforum.orgLinkedInYoutube

In February 2025 Mobey Forum’s Digital Wallet Expert Group published 'Account-Based Digital Wallets: Navigating the Future of Payments' - a report that delves into the accelerating shift from card-based to account-to-account (A2A) wallets, highlighting the opportunities, challenges, and strategic imperatives for financial institutions. In this podcast, the co-chairs of the group and authors of the report, Kristian T. Sørensen from IN Groupe, Marina Repo from Nordea and Cédric Sieber from PostFinance, discuss the key findings.The full report is available free of charge on the Mobey Forum website.Support the showmobeyforum.orgLinkedInYoutube