India, June 13 -- The way we pay is changing. From cards to mobile wallets to smart wearables, each shift has made transactions more seamless. With AI evolving rapidly and taking the front seat, a deeper transformation is now unfolding. Today's financial systems were designed for humans, not autonomous agents capable of executing payments on behalf of users or organisations. In this new model, AI agents and sound-based systems are making transactions so seamless; they often go unnoticed. The generative AI market in finance reflects this shift with projections indicating growth from 1.09 billion US dollars in 2023 to over 12 billion by 2033.

To support this emerging ecosystem, financial institutions are beginning to explore programmable s...