Title: AI in Payments, Why Consumer AI Will Rewrite the Rules
Guests: Neira Jones, David Birch

In this episode of the Payments Power 50 podcast, Neira Jones speaks with digital finance expert David Birch about the real shift AI is creating within payments. Rather than incremental improvements in fraud detection or customer service, the major transformation will come when consumers deploy their own AI agents to manage spending, saving and everyday transactions.

• Topics covered include:
  • Why AI adoption by consumers, not institutions, will be the true disruption
  • How AI agents could negotiate payments with retailer bots
  • The impact on loyalty, interchange, card choice and settlement routes
  • Ethical concerns including bias, explainability and autonomy
  • Why bots will need their own digital identities
  • The future role of wallets and digital asset managers
  • How blockchain based market infrastructure fits into the next generation of payments

A forward looking discussion on what happens when AI becomes the primary participant in payments rather than the tool behind the scenes.