{"id":552438,"date":"2026-04-28T06:52:49","date_gmt":"2026-04-28T06:52:49","guid":{"rendered":"https:\/\/www.capgemini.com\/au-en\/?p=552438&#038;preview=true&#038;preview_id=552438"},"modified":"2026-04-28T06:53:08","modified_gmt":"2026-04-28T06:53:08","slug":"agentic-ai-the-operating-structure-powering-the-future-of-payments","status":"publish","type":"post","link":"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/agentic-ai-the-operating-structure-powering-the-future-of-payments\/","title":{"rendered":"Agentic AI: The operating structure powering the future of payments"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-blogs header-hero-blogs\"><div class=\"container\"><div class=\"hero-blogs\"><div class=\"hero-blogs-content-wrapper\"><div class=\"row\"><div class=\"col-12\"><div class=\"header-title\"><h1>Agentic AI: The operating structure powering the future of payments<\/h1><\/div><\/div><\/div><\/div><div class=\"hero-blogs-bottom\"><div class=\"header-author\"><div class=\"author-img\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2026\/04\/Rajesh-Hegde-1.png?w=200&amp;quality=10\" alt=\"\" loading=\"lazy\"\/><\/div><div class=\"author-name-date\"><h5 class=\"author-name\">Rajesh Hegde<\/h5><h5 class=\"blog-date\">Nov 26, 2025<\/h5><\/div><\/div><div class=\"brand-image\"><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"grid-container\"><div class=\"col-12 col-md-2\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?p=1091095\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?p=1091095\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div><div class=\"article-text article-quote-text\">\n<p><strong>The payments industry never stands still. Payment rails evolve, risks shift, and customers expect seamless experiences. Agentic AI is powering these operations toward true autonomy.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-from-relay-race-to-closed-autonomous-loop\">From relay race to closed autonomous loop<\/h2>\n\n\n\n<p>Every technology that truly reshapes an industry follows a familiar arc: novel, disruptive, then invisible embedded so deeply it fades into the background. Payments are nearing that point. Artificial Intelligence (AI) has moved beyond optimizing discrete tasks \u2013 agentic AI is now redefining the payments operating model itself. By 2030, it\u2019s expected to enable up to $17.5 trillion<sup>1<\/sup> in global commerce. With over half of enterprise payment platforms already embedding AI assistants<sup>2<\/sup> and many progressing toward autonomous agents, this isn\u2019t just incremental efficiency: it\u2019s architectural change.<\/p>\n\n\n\n<p>Traditionally, payments operated like a relay race: initiation, authentication, clearing, settlement, reconciliation, and reporting passed sequentially across teams and systems. Each handoff added friction and required human intervention. Real-time payments have already forced workflow optimization, replacing linear handoffs with parallel processing. Agentic AI accelerates the shift \u2013 automating initiation, triggering transactions based on conditions, and coordinating specialized agents across fraud, orchestration, and processing. Protocols like model context protocol let systems reason over intent and constraints, while machine payments protocols enable instant value exchange \u2013 collapsing linear workflows into parallel, self-closing flows.<\/p>\n\n\n\n<p>In this emerging model, work moves seamlessly across internal teams, shared services, and fintech partners. Agentic AI enables this orchestration, based on well-defined conditions that drive autonomy. Payment processing becomes modular and composable \u2013 assembled dynamically like blocks. Some capabilities are owned, while others outsourced or shared. The agent determines what to invoke, when, and how to combine outcomes \u2013 without breaking the flow.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-assistants-answer-agents-autonomously-decide\">Assistants answer, agents autonomously decide<\/h2>\n\n\n\n<p>A decisive shift underway: AI is morphing from an assistant to an autonomy enabler. An intelligent payment agent doesn\u2019t just respond to prompts \u2013 it acts. It can initiate payments, validate transactions against compliance rules, select the optimal rail based on speed and cost, manage nostro balances to minimize liquidity drag, detect fraud and reroute transactions in real time, file regulatory reports, and reconcile exceptions on its own. As every market is moving to 24\u00d77\u00d7365, agentic AI adoption can complement this transition. Agents can route, stage, and sequence transactions, creating an always-on customer experience even when the underlying infrastructure is constrained by cutoffs.<\/p>\n\n\n\n<p>If agentic AI defines the operating model, generative AI becomes the interface \u2013 providing an explanation and context when corporates, regulators, or disputes demand clarity on why payments failed, alerts were overridden, or funds were delayed or rerouted. But many payment failures don\u2019t stem from a lack of intelligence: they stem from poor, incomplete data and broken data flows. Since automation carries cost, the priority must be structural fixes \u2013 improving inputs and process design \u2013 while applying selective automation only where friction truly remains.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-intelligent-payment-operation-agents-maximum-value\">Intelligent payment operation agents, maximum value<\/h2>\n\n\n\n<p>Agentic AI can drive significant, measurable efficiency across payments operations. These use cases illustrate the core areas of impact and agentic value:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Smart Routing &amp; Liquidity Optimization Agent:<\/strong> dynamically optimize payment paths to lower transaction and Foreign Exchange (FX) costs, accelerate settlement, and reduce intraday liquidity risk.<\/li>\n\n\n\n<li><strong>Straight<\/strong><strong>\u2011<\/strong><strong>Through Processing (STP) &amp; Payments Repair Agent:<\/strong> improves STP by minimizing manual reworks, automatically resolving failures, and accelerating fund availability.<\/li>\n\n\n\n<li><strong>Fraud, Risk &amp; Transaction Screening Agent:<\/strong> prevents fraud in real time while reducing false positives and protecting high\u2011value transactions \u2013 without introducing friction.<\/li>\n\n\n\n<li><strong>Reconciliation &amp; Exception Management Agent:<\/strong> eliminates reconciliation backlogs, shortens financial close cycles, and significantly reduces back\u2011office operating costs.<\/li>\n\n\n\n<li><strong>Dispute &amp; Chargeback Management Agent:<\/strong> identifies disputes earlier, speeds up resolution, and reduces chargeback exposure.<\/li>\n\n\n\n<li><strong>Real<\/strong><strong>\u2011<\/strong><strong>Time Reporting, Compliance &amp; Treasury Intelligence Agent:<\/strong> enables continuous compliance, lowers audit effort, and improves treasury decisions across forecasting, sweeping, and hedging<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-from-pilots-to-scale-agentic-intelligent-payment-operations-in-action\">From pilots to scale: Agentic intelligent payment operations in action<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.financialprofessionals.org\/training-resources\/resources\/articles\/Details\/the-value-of-payments-pre-validation#:~:text=API%20solutions%20enable%20real%2Dtime,is%20the%20payment%20truly%20instant?\" target=\"_blank\" rel=\"noreferrer noopener\">SWIFT\u2019s<\/a> AI-led payment pre-validation pilots show error rates dropping by over 50% \u2013 not because of larger operations teams, but because AI corrects and reroutes payments before failure.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.finextra.com\/newsarticle\/46405\/wells-fargo-enlists-google-cloud-for-agentic-ai-play\" target=\"_blank\" rel=\"noreferrer noopener\">Wells Fargo<\/a>, through its partnership with Google Agent space, is embedding agentic AI directly into core workflows, so agents can autonomously gather information, triage tasks, and support payments, treasury, and customer service decisions.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/global-payments-report\" target=\"_blank\" rel=\"noreferrer noopener\">PayPal<\/a> leverages AI to analyze, anticipate, and optimize payment routing, dynamically factoring in transaction costs, processing speed, and network congestion.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/global-payments-report\" target=\"_blank\" rel=\"noreferrer noopener\">Visa<\/a> uses AI to improve settlement efficiency by analyzing clearing and settlement cycles, expected delays, and other variables to better time fund transfers, reduce operational costs, and support real\u2011time payment finality.<\/li>\n<\/ul>\n\n\n\n<p>As agentic AI in payments operations moves decisively from experimentation to production, the window for leadership is narrowing. The architectural decisions banks make today will define their relevance over the next decade.<\/p>\n\n\n\n<p>Three priorities stand out:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>First, audit the payments value chain relentlessly and identify human-dependent handoffs in operations that agentic workflows can take on, prioritizing use cases by business impact and speed to value. Key use cases include payments investigation, repair, routing, transaction monitoring, real-time compliance reporting, and reconciliation.<\/li>\n\n\n\n<li>Second, invest in data, integration, and platform foundations, because fragmented legacy infrastructure remains the biggest barrier to autonomy on scale.<\/li>\n\n\n\n<li>Third, establish robust governance and explainability frameworks now, before regulation arrives reactively.<\/li>\n<\/ol>\n\n\n\n<p>The agentic operating model is no longer emerging. It\u2019s taking shape invisibly. The real question is whether your institution will be an architect of it \u2013 or adapt to it later.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-8\"><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">References:<\/h3><\/div><div class=\"expander-content\"><p>1. <a href=\"https:\/\/www.santander.com\/en\/press-room\/press-releases\/2026\/01\/getnet-outlines-its-agentic-commerce-strategy-as-ai-is-set-to-influence-30-of-global-e-commerce-by-2030\" target=\"_blank\" rel=\"noreferrer noopener\">Santander<\/a>, \u201cGetnet outlines its agentic commerce strategy as AI is set to influence 30% of global e\u2011commerce by 2030;\u201d January 20<sup>th<\/sup>, 2026.<br>2. <a href=\"https:\/\/www.idc.com\/resource-center\/blog\/the-agentic-evolution-of-enterprise-applications\/\" target=\"_blank\" rel=\"noreferrer noopener\">IDC<\/a>, \u201cThe Agentic Evolution of Enterprise Applications;\u201d April 4<sup>th<\/sup>, 2025.<br>3. <a href=\"https:\/\/www.financialprofessionals.org\/training-resources\/resources\/articles\/Details\/the-value-of-payments-pre-validation\" target=\"_blank\" rel=\"noreferrer noopener\">Association for Financial Professionals<\/a>, \u201cThe Value of Payments Pre\u2011Validation;\u201d January 9<sup>th<\/sup>, 2025.<br>4. <a href=\"https:\/\/www.finextra.com\/newsarticle\/46405\/wells-fargo-enlists-google-cloud-for-agentic-ai-play\" target=\"_blank\" rel=\"noreferrer noopener\">Finextra<\/a>, \u201cWells Fargo enlists Google Cloud for agentic AI play;\u201d August 6<sup>th<\/sup> 2025.<br>5. <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/global-payments-report\" target=\"_blank\" rel=\"noreferrer noopener\">McKinsey &amp; Company<\/a>, \u201cThe 2025 McKinsey Global Payments Report: Competing systems, contested outcomes;\u201d September 26<sup>th<\/sup>, 2025.<br>6. <a href=\"https:\/\/www.everestgrp.com\/blogs\/agentic-payments-reinventing-payments-for-the-ai-era-blog\/\" target=\"_blank\" rel=\"noreferrer noopener\">Everest Group<\/a>, \u201cAgentic payments: Reinventing payments for the AI era;\u201d November 18<sup>th<\/sup>, 2025.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\" section section--expert-slider wrapper-people-slider wp-block-cg-blocks-wrapper-people-slider undefined\"><div class=\"container\"><div class=\"row\"><div class=\"content-title col-12 col-md-8\"><h2 data-maxlength=\"34\" class=\"people-heading-title\">Meet our author<\/h2><\/div><\/div><\/div><div class=\"slider slider-boxed\"><div class=\"container\"><div class=\"slider-window\"><div class=\"slider-list\">\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2026\/04\/Rajesh-Hegde-1.png\" alt=\"Rajesh Hegde\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"subnav-button--form\" href=\"javascript:void(0)\" aria-label=\"contact us\" data-bs-toggle=\"modal\" data-bs-target=\"#WPBdf5688e7_15df_4929_97db_b59b23415dac\" data-bs-expert-title=\"1\">\n\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"ico-form\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Opens in a new window\" href=\"https:\/\/www.linkedin.com\/in\/rajesh-hegde-107b75b\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Rajesh Hegde<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Payments SME<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"subnav-button--form\" href=\"javascript:void(0)\" aria-label=\"contact us\" data-bs-toggle=\"modal\" data-bs-target=\"#WPBdf5688e7_15df_4929_97db_b59b23415dac\" data-bs-expert-title=\"Rajesh Hegde\">\n\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"ico-form\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Opens in a new window\" href=\"https:\/\/www.linkedin.com\/in\/rajesh-hegde-107b75b\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">Rajesh has over 20 years of global experience in banking and banking systems space. He is payments industry enthusiast closely following the dynamics of payments markets. He has successfully delivered diverse assignments across advisory, elaboration, implementation areas with varied delivery constructs. 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for=\"slider-submit-_mf_93171_6204\" class=\"slide-text\">\n\t\t\t\t\t\tSlide to submit\t\t\t\t\t<\/label>\n\t\t\t\t\t<input\n\t\t\t\t\t\tid=\"slider-submit-_mf_93171_6204\"\n\t\t\t\t\t\ttype=\"range\"\n\t\t\t\t\t\tclass=\"mf_field__input slider-frm-btn\"\n\t\t\t\t\t\trel=\"_mf_93171_6204\"\n\t\t\t\t\t\tmin=\"0\"\n\t\t\t\t\t\tmax=\"100\"\n\t\t\t\t\t\tvalue=\"0\"\n\t\t\t\t\t\taria-label=\"Slide to submit\"\n\t\t\t\t\t\taria-describedby=\"slide-instruction-_mf_93171_6204\"\n\t\t\t\t\t\taria-valuenow=\"0\"\n\t\t\t\t\t\taria-valuemin=\"0\"\n\t\t\t\t\t\taria-valuemax=\"100\"\n\t\t\t\t\t\taria-orientation=\"horizontal\"\n\t\t\t\t\t\trole=\"slider\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\/>\n\t\t\t\t\t<span id=\"slide-instruction-_mf_93171_6204\" class=\"sr-only\">\n\t\t\t\t\t\tUse right arrow keys to slide, or drag right with your finger. When you reach 100 percent, the form is submitted.\t\t\t\t\t<\/span>\n\t\t\t\t\t<!-- Mobile-only submit button fallback -->\n\t\t\t\t\t<button type=\"submit\" class=\"mf-mobile-submit-btn\" disabled>\n\t\t\t\t\t\t<span class=\"sr-only\">If you use a screen reader or VoiceOver, double-tap this button to submit the form.<\/span>\n\t\t\t\t\t\tSlide to submit\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<input type=\"hidden\" name=\"submit_btn_txt\" class=\"submit_btn_txt\" value=\"Slide to submit\"\/>\n\t\t\t\t<input type=\"hidden\" name=\"submitted_state_txt\" class=\"submitted_state_txt\" value=\"Submitted\"\/>\n\t\t\t<\/div>\n\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"93500\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"expert-connect-form\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"ea7c321def\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<!-- Anti-spam field -->\n\t\t\t\t<input type=\"text\" \n\t\t\t\t\tname=\"website_url\" \n\t\t\t\t\tclass=\"mf_field__url\" \n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\tstyle=\"position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none;\" \n\t\t\t\t\/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\tThank you , {wp:post_title} will be in touch with you soon!<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>We are sorry, the form submission failed. Please try again.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG93500 = {\"93500\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\n\n\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/12\/Niharika.jpg\" alt=\"Niharika\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"subnav-button--form\" href=\"javascript:void(0)\" aria-label=\"contact us\" data-bs-toggle=\"modal\" data-bs-target=\"#WPBdf5688e7_15df_4929_97db_b59b23415dac\" data-bs-expert-title=\"1\">\n\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"ico-form\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Opens in a new window\" href=\"https:\/\/www.linkedin.com\/in\/niharikapd?lipi=urnlipaged_flagship3_profile_view_base_contact_detailsghdzNHppTnCYu7E6zJ17ew\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Niharika<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Senior Manager, Global Banking Industry<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"subnav-button--form\" href=\"javascript:void(0)\" aria-label=\"contact us\" data-bs-toggle=\"modal\" data-bs-target=\"#WPBdf5688e7_15df_4929_97db_b59b23415dac\" data-bs-expert-title=\"Niharika\">\n\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"ico-form\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Opens in a new window\" href=\"https:\/\/www.linkedin.com\/in\/niharikapd?lipi=urnlipaged_flagship3_profile_view_base_contact_detailsghdzNHppTnCYu7E6zJ17ew\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">Niharika helps clients navigate the evolving financial services landscape by advising on emerging banking industry and technology trends. Leveraging her deep industry expertise, she supports clients in building strategies that drive innovation and sustainable business growth while meeting their business objectives.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"modal\" id=\"WPBdf5688e7_15df_4929_97db_b59b23415dac\">\n\t\t\t\t\t<div class=\"modal-dialog modal-dialog-centered modal-lg modal-dialog-scrollable landing-page-modals\">\n\t\t\t\t\t\t<div class=\"modal-content\">\n\t\t\t\t\t\t\t<div class=\"modal-header\">\n\t\t\t\t\t\t\t\t<button type=\"button\" class=\"btn-close\" aria-label=\"close\" data-bs-dismiss=\"modal\"><\/button>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"modal-body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"logo-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/themes\/capgemini2025\/assets\/images\/logo.svg\"\n\t\t\t\t\t\t\t\t\t\talt=\"Connect with us\" class=\"light\" \/>\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/themes\/capgemini2025\/assets\/images\/logo-white.svg\"\n\t\t\t\t\t\t\t\t\t\talt=\"Connect with us\" class=\"dark\" \/>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"form-title\">Connect with us<\/h4>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_93500_690778702\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\n\t\t\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_93171_1304_425952539\" name=\"_mf_93171_1304\" placeholder=\"First Name\" required \/><label for=\"_mf_93171_1304_425952539\" class=\"form-label\">First Name <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">First Name is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_93171_708_2472359603\" name=\"_mf_93171_708\" placeholder=\"Last name\" required \/><label for=\"_mf_93171_708_2472359603\" class=\"form-label\">Last name <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Last name is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_93171_7214_3289572263\" name=\"_mf_93171_7214\" placeholder=\"Company\" required \/><label for=\"_mf_93171_7214_3289572263\" class=\"form-label\">Company <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Company is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"email\" class=\"form-control\" id=\"_mf_93171_6716_2402217069\" name=\"_mf_93171_6716\" placeholder=\"Email\" required \/><label for=\"_mf_93171_6716_2402217069\" class=\"form-label\">Email <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Email is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" pattern=\"^[0-9\\-\\+\\s]+$\"  class=\"form-control\" id=\"_mf_93500_9_4288693031\" name=\"_mf_93500_9\" oninput=\"validateInput(this)\" maxlength=\"14\" placeholder=\"Phone\"  \/><label for=\"_mf_93500_9_4288693031\" class=\"form-label\">Phone (optional)<\/label><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><textarea type=\"text\" class=\"form-control\" id=\"_mf_93500_6541_361174221\" name=\"_mf_93500_6541\" placeholder=\"Your Message\" required><\/textarea><label for=\"_mf_93500_6541_361174221\" class=\"form-label\">Your Message <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Your Message is not valid.<\/div><\/div><div class=\"mf-field-wrapper  col-sm-12\">\n\t\t<div class=\"form-check checkbox-controls\">\n\n\t\t\t<input type=\"checkbox\" id=\"_mf_93171_9114_301291738\" class=\"form-check-input\"\n\t\t\t\tname=\"_mf_93171_9114[]\"\n\t\t\t\tvalue=\"1\"\n\t\t\t\trequired\n\t\t\t>\n\n\t\t\t<label for=\"_mf_93171_9114_301291738\" class=\"form-check-label consent-text\">\n\t\t\t\tI agree to Capgemini collecting and processing my personal data to allow me to receive information on Capgemini services. \r\nFor further information, please see <a href=\"https:\/\/www.capgemini.com\/au-en\/privacy-notice\/\" target=\"_blank\">our Privacy Notice.  <\/a> &nbsp;\t\t\t<\/label>\n\n\t\t<\/div>\n\t\t<\/div>\t\t\t<div class=\"mf_field mf_field--recaptcha\">\n\t\t\t\t<div class=\"g-recaptcha\" data-sitekey=\"6Lc3OpIUAAAAADY4ErEHF0HF6Tr7vuknduDU-fbl\"><\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"mf_field mf_field--submit\" >\n\t\t\t\t<div class=\"slide-button-background button-background\">\n\t\t\t\t\t<label 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When you reach 100 percent, the form is submitted.\t\t\t\t\t<\/span>\n\t\t\t\t\t<!-- Mobile-only submit button fallback -->\n\t\t\t\t\t<button type=\"submit\" class=\"mf-mobile-submit-btn\" disabled>\n\t\t\t\t\t\t<span class=\"sr-only\">If you use a screen reader or VoiceOver, double-tap this button to submit the form.<\/span>\n\t\t\t\t\t\tSlide to submit\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<input type=\"hidden\" name=\"submit_btn_txt\" class=\"submit_btn_txt\" value=\"Slide to submit\"\/>\n\t\t\t\t<input type=\"hidden\" name=\"submitted_state_txt\" class=\"submitted_state_txt\" value=\"Submitted\"\/>\n\t\t\t<\/div>\n\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"93500\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"expert-connect-form\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"ea7c321def\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<!-- Anti-spam field -->\n\t\t\t\t<input type=\"text\" \n\t\t\t\t\tname=\"website_url\" \n\t\t\t\t\tclass=\"mf_field__url\" \n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\tstyle=\"position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none;\" \n\t\t\t\t\/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\tThank you , {wp:post_title} will be in touch with you soon!<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>We are sorry, the form submission failed. 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object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div>\n                            <div class=\"col-12 col-md-5 col-lg-7\"><\/div>\n                        <div class=\"col-12 col-md-7 col-lg-5\">\n                            <a href=\"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/world-payments-report\/\" aria-label=\"World Payments Report 2026\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Capgemini Research Institute<\/div>\n                                <h3 class=\"card-title\">World Payments Report 2026<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                     <\/div>\n                    <\/div><\/div><\/section>\n\n<section class=\"section section--expert-perspectives\"><div class=\"container\"><div class=\"row\"><div class=\"content-title col-12 col-md-8\"><h2 class=\"expert-heading\">Expert perspectives<\/h2><\/div><\/div><div class=\"expert-prospective-container\"><div class=\"row\"><div class=\"col-12 col-md-4 row-space\"><div class=\"box\"><div class=\"box-img-wrapper\"><a href=\"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/ai-powered-cash-management-the-future-of-treasury-is-autonomous\/\" aria-label=\"AI-powered cash management: The future of treasury is autonomous\" tabindex=\"-1\"><img decoding=\"async\" class=\"box-img\" alt=\"\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/12\/Payments-blog-Capcom_Banner_2880X1800px.jpg?w=600&#038;quality=70\" style=\"object-position: 50% 50%; object-fit: cover;\" loading=\"lazy\" \/><\/a><\/div><div class=\"box-inner\"><div class=\"box-tag\">Customer experience, Data and AI<\/div><a class=\"content-box-title\" href=\"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/ai-powered-cash-management-the-future-of-treasury-is-autonomous\/\" aria-label=\"AI-powered cash management: The future of treasury is autonomous\"><h3 class=\"expert-subtitle\">AI-powered cash management: The future of treasury is autonomous<\/h3><\/a><div class=\"box-bottom\">\n\t\t   <div class=\"box-logo\"><img decoding=\"async\" class=\"\" loading=\"lazy\" alt=\"\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/12\/Niharika.jpg?w=960\" \/><\/div><div class=\"date-name-info\"><div class=\"author-text\">Niharika<\/div><div class=\"date-text\">Nov 26, 2025<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"col-12 col-md-4 row-space\"><div class=\"box\"><div class=\"box-img-wrapper\"><a href=\"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/instant-payments-the-monetization-imperative-for-banks\/\" aria-label=\"Instant payments: The monetization imperative for banks\" tabindex=\"-1\"><img decoding=\"async\" class=\"box-img\" alt=\"\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2026\/02\/Banking-Industry-blog.png?w=600&#038;quality=70\" style=\"object-position: 50% 50%; object-fit: cover;\" loading=\"lazy\" \/><\/a><\/div><div class=\"box-inner\"><div class=\"box-tag\">Customer experience<\/div><a class=\"content-box-title\" href=\"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/instant-payments-the-monetization-imperative-for-banks\/\" aria-label=\"Instant payments: The monetization imperative for banks\"><h3 class=\"expert-subtitle\">Instant payments: The monetization imperative for banks<\/h3><\/a><div class=\"box-bottom\">\n\t\t   <div class=\"box-logo\"><img decoding=\"async\" class=\"\" loading=\"lazy\" alt=\"\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/12\/Niharika.jpg?w=960\" \/><\/div><div class=\"date-name-info\"><div class=\"author-text\">Niharika<\/div><div class=\"date-text\">Feb 6, 2026<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"col-12 col-md-4 row-space\"><div class=\"box\"><div class=\"box-img-wrapper\"><a href=\"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/a-call-to-action-for-banks-in-the-ai-age\/\" aria-label=\"AI Strategies for Smarter Treasury Management in Banking\" tabindex=\"-1\"><img decoding=\"async\" class=\"box-img\" alt=\"\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/09\/Banks-in-AI-age-blog.jpeg?w=600&#038;quality=70\" style=\"object-position: 50% 50%; object-fit: cover;\" loading=\"lazy\" \/><\/a><\/div><div class=\"box-inner\"><div class=\"box-tag\">Customer experience, Data and AI<\/div><a class=\"content-box-title\" href=\"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/a-call-to-action-for-banks-in-the-ai-age\/\" aria-label=\"AI Strategies for Smarter Treasury Management in Banking\"><h3 class=\"expert-subtitle\">AI Strategies for Smarter Treasury Management in Banking<\/h3><\/a><div class=\"box-bottom\">\n\t\t   <div class=\"box-logo\"><img decoding=\"async\" class=\"light\" loading=\"lazy\" alt=\"Capgemini\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/themes\/capgemini2025\/assets\/images\/cg-logo-blue.svg\" \/><img decoding=\"async\" class=\"dark\" loading=\"lazy\" alt=\"Capgemini\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/themes\/capgemini2025\/assets\/images\/cg-logo-white.svg\" \/><\/div><div class=\"date-name-info\"><div class=\"author-text\">Capgemini<\/div><div class=\"date-text\">Sep 3, 2025<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The payments industry never stands still. Payment rails evolve, risks shift, and customers expect seamless experiences. Agentic AI is powering these operations toward true autonomy.<\/p>\n","protected":false},"author":12418,"featured_media":552439,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":true,"cg_dt_link_disabled":false,"_yoast_wpseo_primary_brand":"","_jetpack_memberships_contains_paid_content":false,"footnotes":"","featured_focal_points":""},"categories":[1],"tags":[],"brand":[],"service":[41,172],"industry":[203,479],"partners":[],"blog-topic":[84,86],"content-group":[],"class_list":["post-552438","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","service-customer-experience","service-data-ai","industry-banking-capital-markets","industry-financial-services","blog-topic-customer-experience","blog-topic-data-and-ai"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v22.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Agentic AI: The operating structure powering the future of payments - Capgemini Australia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/agentic-ai-the-operating-structure-powering-the-future-of-payments\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Agentic AI: The operating structure powering the future of payments\" \/>\n<meta property=\"og:description\" content=\"The payments industry never stands still. 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