Another big opportunity for this technology is in enterprise operations, as companies like Google, PayPal Holdings, and Stripe race to establish agent-AI commerce in the consumer space.
Deloitte Consulting says this technology has tremendous potential in the world of commercial finance and B2B functions. Trends and insights for 2026 Report.
“There will be a little more middle-office and back-office work where agents are doing things like reconciliation, invoice matching, exception handling, etc.,” said Zachary Aaron. dereuitt's The global and U.S. banking and capital markets payments leader said Wednesday in an interview about the November report.
Companies may initially deploy artificial intelligence agents in the realm of .Aaron, a 31-year payments industry veteran, says a “definable ecosystem of buyers and suppliers” is less volatile.
He singled out corporate travel, which has a “repeatable” flow of transactions, and defined parameters as an area where agent-driven AI could be more efficient, as well as commercial real estate contracts, leases, and payments that occur in a “regular and synchronous manner.”
According to a Deloitte report, agenttic AI “also has the potential to have a significant impact in areas such as e-commerce and procurement, where agents can assist both customers and businesses with optimizing financing options, payment timing and methods, and logistics management.”
Gartner, another global research firm, says that by 2030, “approximately 40% of enterprise software will include custom applications built using AI-native platforms,” up from 2% last year. strategic technology trends Regarding last month's 2026 report.
For many companies working on AI pilots, Aaron said 2026 will be the time they need to make the most of their AI investments.
“Organizations that don’t just have four or five people, [AI] But if we understand how these things work together to change payments, we will have even greater success,” he said.
According to the Deloitte report, for many companies, these B2B agents provide managers with the opportunity to gain a more comprehensive view of their business functions, prompting changes to existing operations.
“How do you make these things work together?” Aaron said, suggesting some questions that agents will have many executives thinking about.
“How do we get our agents to actually think about cash management? When do suppliers need to get paid? What is the best way to avoid cash flow? How do we structure it? ISO20022 Message to enable use of real time payment Train or cross the border? ”
As companies adopt new technologies such as real-time payments and stablecoins, AI will take over some of the tasks that companies previously assigned to humans, the report said.
“Payments are deeply embedded in business processes, driving greater efficiency and seamless integration across platforms,” the Deloitte authors write.
