AI, Digital Identity & Security

This conversation will explore the intersection of AI, digital identity, payments and security.

Context and Landscape

• AI + digital identity convergence: AI systems are increasingly reliant on identity data to personalise services. Digital IDs containing foundational data like age, biometrics, and credentials will soon be integrated into digital wallets alongside payment methods. 
• Agentic AI systems: These systems act on behalf of users, making decisions based on both foundational identity data and behavioural insights (e.g. search history, purchase patterns). This shift from prompt-based interaction to identity driven automation has the potential to significantly enhance the customer experience, while also raising important questions around trust, transparency, and user control.
• Initiatives like Visa’s work on agentic AI systems or Mastercard’s digital wallet ambitions highlight the pace of change. At the same time, major technology companies and regulatory bodies are playing a central role in shaping how these systems are governed.