Imagine this: a customer opens your banking app, and an AI agent automatically buys their weekly groceries at the best price, schedules delivery, and pays – all without a single click.
That’s not sci-fi. It’s agentic commerce.
By 2030, 25% of all U.S. e‑commerce will be done by AI agents. Already, 30‑45% of U.S. consumers use AI for purchase research. Insurance claims? Processed 80% faster. Treasury forecasts? 95%+ accurate.
Meet the Mastercard Co‑Pilot agents
We offer it as a white‑label (fully brandable) or API‑first platform. Core pieces: Agent Identity Service, Rules & Policy Engine, Negotiation Engine.
For your retail customers:
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- The Daily Shopper – scans catalogs, builds the best cart, orders, and delivers.
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- The Smart Saver – watches that laptop you want for weeks, buys only when the price drops below your target (say, 15% off retail).
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- The Financial Guardian – finds duplicate subscriptions, alerts before free trials end, even negotiates your internet bill with the provider’s AI.
For your corporate clients:
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- The Expense Auditor – checks every corporate card transaction against T&E policies in real time.
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- The Strategic Sourcer – issues RFQs, negotiates with supplier agents, enforces ISO and budget rules.
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- The Supply Chain Sentinel – predicts stockouts and auto‑replenishes inventory.
New revenue streams
You can earn through platform license fees (tiered by bank size), revenue share on agentic transactions (e.g., 0.5% split with Mastercard), and premium analytics for merchants.
And yes, there’s a 24‑month phased roadmap – from basic APIs to a full developer marketplace.
Want to turn your app into a lifestyle engine? Let’s talk.