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The pros and cons of AI-powered bots in payments and transactions (Part 1)

The pros and cons of AI-powered bots in payments and transactions (Part 1)

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Jonny Fry
Mar 11, 2025
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Digital Bytes
Digital Bytes
The pros and cons of AI-powered bots in payments and transactions (Part 1)
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The integration of AI-based bots in financial systems is dramatically altering global payment infrastructures, bringing both speed and complexity to transactions. These bots are able to carry out transactions at impressive speeds with great accuracy, fundamentally altering financial interactions for both businesses and consumers. Major concerns about this shift include the effects on payment speed, security, and ethical dilemmas. Through their automation of decisions and management of real-time transactions, AI bots are likely to foster demand for new digital money forms, such as CBDCs and sophisticated stablecoins.

TeamBlockchain AI

A notable development in this space is that of Siemens becoming the first client of JP Morgan to use the bank’s new programmable payment functionality with the JPM Coin - this innovation allows companies to establish complex payment rules, moving beyond traditional conditional payments. Through a new ‘if-this-then-that’ interface, JP Morgan’s online treasur…

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