AI-assisted code creates new kinds of risk for payment infrastructure

AI is changing how your payment processors write code, but it is creating hidden risks for your checkout line. Developers are now using AI to write software at speeds that outpace traditional security checks. For a retailer, this means the 'plumbing' of your consumer financing and payment systems could become more prone to glitches, downtime, or security vulnerabilities if not managed correctly. If your BNPL provider or credit processor updates their system with AI-generated code that hasn't been properly vetted, your ability to process transactions could be at risk. Banks and processors are being urged to move toward automated, rigorous verification tools to catch these AI-driven errors. As a business owner, you don't need to be a coder, but you do need to ask your technology partners how they are securing their AI development process. Reliable financing depends on stable infrastructure. If the code underlying your payment terminal or online checkout fails, it doesn't matter how good your financing terms are—the customer still can't buy. Stability is the new priority in the age of rapid AI development.

Source: American Banker — Top News

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