Fintechnize

AI agents are starting to shop for us. Who holds the card, who carries the risk, and is the hype justified?

Host Charlie Liu (Founder, Fintechnize) talks with Robin Gandhi, Chief Product Officer at Lithic, about agentic commerce from the issuer's perspective: trust and adoption, token vaults, card networks and merchant acceptance, liability and disputes, rules-engine controls, and why B2B and commercial cards may go first. They finish with a bull vs. bear take on how big this gets.

In this episode

• 1:00 – Robin's issuing background and Lithic
• 2:40 – Why agentic commerce is hot right now
• 5:32 – Trust and adoption of agents
• 11:50 – Infrastructure: token vaults and issuers
• 13:57 – Card networks and merchant acceptance
• 18:21 – Holiday shopping reality check
• 21:28 – Liability, disputes and mandates
• 25:07 – Rules-engine controls for agent cards
• 29:31 – B2B and commercial cards as the first use case
• 34:07 – Bull case vs. bear case
• 37:36 – Wrap-up