December 4, 2025
Today's Briefing: December 4th
Your Daily Briefing on Agentic Commerce — December 4, 2025
1. Latin America’s digital boom is accelerating conditions for agentic commerce
New reporting from PYMNTS highlights rapid digitisation across Latin America. Mobile adoption, high wallet usage, and fast-growing A2A systems such as Pix and SPEI are creating one of the most favourable environments for autonomous agents to participate in everyday transactions.
Why it matters: the region has the right combination of infrastructure, consumer behaviour, and policy alignment to become an early large-scale testing ground for real-world agent activity.
2. Visa reinforces that agents can improve outcomes when clear rules are in place
Diginomica reports that Visa views autonomous agents as beneficial for consumers, provided that trust, transparency and clear boundaries are established. The company draws an analogy to educating a child, where responsibility and guidance reduce risk.
Why it matters: this reflects a growing willingness among major networks to recognise agents as legitimate participants in commerce, and to help define the governance structures they will operate within.
3. Visa executive predicts a shift toward fully invisible payments
Chosun highlights comments from a senior Visa leader who expects payments to move toward complete invisibility as autonomous agents handle product selection, authentication and payment initiation without any user interaction. Visa is exploring a Trusted Agent Protocol to ensure that identity and consent remain intact when agents transact on behalf of consumers.
Why it matters: invisible payments require merchants to optimise for agent-first design. Structured data, transparent pricing inputs and predictable product signals become more important than traditional checkout UX.
Read:
https://www.chosun.com/english/industry-en/2025/12/03/GVTSGJHNCVDT3HQHGHHRT722NA/
4. Book recommendation: The Singularity Is Nearer by Ray Kurzweil
Although Kurzweil’s original Singularity work dates back to the mid-2000s, the updated edition continues to be referenced by leaders in payments and fraud. Julie Fergerson and Simon Taylor both recommended it this week as a useful frame for thinking about exponential technology and the long-term trajectory of AI.
Why it matters: while not a new release, the book provides a conceptual model that helps explain why autonomous systems grow in capability in non-linear ways. It is a helpful reference point for understanding the broader context in which agentic commerce is developing.
NewsAgents Take
The themes today point to a rapid shift from experimentation toward structural change. Latin America is emerging as a significant early market for agentic behaviour. Visa is publicly shaping its governance expectations. Invisible payments are moving from theory to network-level planning. The conversation is shifting from what agents can do to how the surrounding infrastructure must adapt.
