DBS has become the first bank in Asia Pacific to pilot Visa Intelligent Commerce, testing AI agents that can complete payments on behalf of customers.
The pilot, conducted with Visa, examines how agent-initiated transactions can run on existing card networks through secure, issuer-controlled processes.
Visa Intelligent Commerce combines integrated APIs and partner tools on Visa’s infrastructure to support consent-based payments initiated by artificial intelligence.
The two parties completed live food and beverage transactions using DBS and POSB credit and debit cards, showing that AI agents can execute routine purchases within established authentication and control frameworks.
The trials will expand to use cases such as online shopping and travel bookings.
DBS is also validating new authentication measures and transaction controls for agent-led payments, with safeguards overseen by both the issuer and the network.
The exercise will assess how AI-driven transactions can be integrated into existing systems while maintaining regulatory, operational and security standards.
“AI agents are unlocking a new phase in digital payments, where routine transactions can be completed efficiently and reliably, helping customers save time and simplify everyday tasks. Our collaboration with Visa shows how agent-led payments can be deployed securely and safely at scale, giving customers confidence in how transactions are made in an AI environment.
By building these capabilities across our regional footprint, we are shaping the next generation of cards and payments, setting new standards for intelligent, trusted and seamless commerce.”
said Ananya Sen, Group Head of Regional Consumer Products, DBS Bank.
“Through Visa Intelligent Commerce and Trusted Agent Protocol, we’re building the foundation that will make agentic commerce safe, secure and scalable — from AI‑ready credentials to advanced authentication.
This sets the stage for how trusted, AI‑powered experiences will come to life for consumers and partners across the region.”
said T.R. Ramachandran, Head of Products & Solutions, Asia Pacific at Visa.
Featured image: Edited by Fintech News Singapore, based on image by thanyakij-12 via Freepik
