EBAday 2026: Who wins the race of agentic economies?

AI is shifting from a tool you use to an 'agent' that shops and negotiates on behalf of your customers. For retailers and operators, this means the person making the financing decision in the future might not be a human, but an AI agent programmed to find the lowest APR or best terms in milliseconds. The rise of agentic economies will change how you present financing offers at the point of sale. Instead of a customer scrolling through a list of lenders, their personal AI assistant will vet your financing partners against their own financial health data before they even click 'buy.' Businesses that integrate with these autonomous systems will capture more sales, while those with friction-heavy, manual applications will be bypassed. You need to prepare for a world where your financing options must be machine-readable and instantly competitive to win the 'agent's' approval. The focus is shifting from marketing to humans to optimizing for AI decision-makers who prioritize efficiency and logic over brand loyalty.

Source: Finextra — Lending

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