{"id":3706,"date":"2026-01-27T16:50:50","date_gmt":"2026-01-27T15:50:50","guid":{"rendered":"https:\/\/www.oneytrust.com\/?p=3706"},"modified":"2026-01-27T16:50:52","modified_gmt":"2026-01-27T15:50:52","slug":"agentic-ai-what-you-need-to-know-in-2026","status":"publish","type":"post","link":"https:\/\/www.oneytrust.com\/ro\/agentic-ai-what-you-need-to-know-in-2026\/","title":{"rendered":"Agentic AI\u00a0 &#8211; what you need to know in 2026\u00a0"},"content":{"rendered":"<p>Agentic AI \u2013 autonomous systems that can observe, decide and act across multiple tools \u2013 is about to collide hard with European fraud and payments &#8211; on both sides of the fraud fight. For merchants and banks, the real story in 2026 won\u2019t be \u201cmagic AI agents that make fraud disappear\u201d, but a messy mix of tougher regulation, smarter attackers, and more opaque vendor black boxes.&nbsp;<\/p>\n\n\n\n<p>Across Europe <a href=\"https:\/\/info.merchantriskcouncil.org\/hubfs\/Documents\/Reports\/Fraud%20Reports\/2025_Global_Fraud_and_Payments_Report.pdf\">according the MRC<\/a> online merchants are already losing roughly 2.8% of revenue to fraud, with fraud representing about 3% of all orders. Identity fraud and account takeover are surging, fuelled in part by AI that can generate convincing fake identities and social-engineering scripts at scale according to UK fraud agency <a href=\"https:\/\/www.cifas.org.uk\/newsroom\/fraudscape-2025-6monthupdate\">CIFAS<\/a>. Agentic AI simply supercharges that trend on both sides of the fence.\u00a0<\/p>\n\n\n\n<p>For merchants and finance companies though &#8211; there is a dilemma. Increasingly buyers and new customers will use AI to seek out and purchase goods and services,&nbsp;&nbsp;<\/p>\n\n\n\n<p>From now you\u2019ve basically got two new \u201ccustomer segments\u201d turning up in your data:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Legitimate agentic AI<\/strong> \u2013 shopping assistants, payment agents and aggregators acting on behalf of real people.\u00a0<\/li>\n\n\n\n<li><strong>Malicious agentic AI<\/strong> \u2013 computer-using agents hammering your sign-up flows, ID checks and checkouts at scale.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>The job for merchants and financial services providers is to work with their fraud detection companies to pick their way through this minefield. At Oneytrust we have been seeing this emerge over 2025 and like the rest of the world we anticipate a huge uptick in 2026.&nbsp;&nbsp;<\/p>\n\n\n\n<p>So, what you do not want to block; agentic AI is already being used as a consumer interface for payments and shopping:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A number of agentic AI options are <a href=\"https:\/\/www.ashurst.com\/en\/insights\/ai-powered-payment-agents-the-next-payments-revolution\/\">emerging in Europe<\/a> like Mastercard \u201cAgent Pay\u201d, Visa \u201cIntelligent Commerce\u201d, Amazon \u201cBuy for Me\u201d and Google \u201cShop with AI\u201d, where agents initiate payments within parameters set by the consumer\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Payments players describe \u201cagentic commerce\u201d as AI agents that hold conditional permissions to shop and pay on a user\u2019s behalf, functionally similar to cards-on-file or recurring payments but with a conversational UX and more decision-making according to Visa. \u00a0<\/li>\n<\/ul>\n\n\n\n<p>Regulators are behind the curve: PSD2 doesn\u2019t mention AI, and even PSD3\/PSR only references AI once for fraud prevention. But consumer agents are happening anyway.&nbsp;<\/p>\n\n\n\n<p>For a merchant, that means some \u201cbot traffic\u201d is now high-value, compliant traffic (AI doing what a loyal customer asked it to do). These agents will often come from data-centre IPs, headless browsers or shared devices, and will reuse stored credentials and payment instruments &#8211; i.e. very similar to the bots you\u2019ve spent so much time trying to deter.&nbsp;&nbsp;<\/p>\n\n\n\n<p>If you block everything that looks like an agent, you\u2019ll break this emerging channel and annoy the schemes, PSPs and big-tech partners driving it.&nbsp;<\/p>\n\n\n\n<p><strong>How fraudsters are using agentic AI against merchants and banks\u00a0<\/strong><\/p>\n\n\n\n<p>Several trends are showing up in European and global reporting:&nbsp;<\/p>\n\n\n\n<p>Credential stuffing &amp; ATO with Computer-Using Agents (CUAs).&nbsp;<\/p>\n\n\n\n<p>According to <a href=\"https:\/\/pushsecurity.com\/blog\/how-new-ai-agents-will-transform-credential-stuffing-attacks\/\">a report by Push Security<\/a>,\u00a0 OpenAI \u201cOperator\u201d-style CUAs shows they can log in to arbitrary web apps, read pages, click buttons and handle full flows like a human \u2013 but at bot scale. That lets attackers spray stolen credentials across thousands of sites and then perform in-app actions once they get in.\u00a0<\/p>\n\n\n\n<p>AI-scaled phishing and social engineering feeding into payments.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/kb\/file\/2025-12\/EPC162-24%20v2.0%202025%20Payments%20Threats%20and%20Fraud%20Trends%20Report_0.pdf\">The European Payments Council\u2019s<\/a> 2025 threats report flags AI-generated phishing and deepfakes as a key enabler of APP fraud and impersonation scams, making language barriers vanish.\u00a0<\/p>\n\n\n\n<p>Account opening and synthetic ID at industrial scale.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/www.biocatch.com\/blog\/agentic-ai-the-next-wave-of-attacks\">Financial-crime specialists<\/a> warn that agentic AI will be used to flood banks\u2019 online onboarding with highly consistent, multi-step new account applications, reusing and recombining stolen or synthetic identity elements.\u00a0<\/p>\n\n\n\n<p>Payment fraud \u201cspeedruns\u201d.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/www.biocatch.com\/blog\/agentic-ai-the-next-wave-of-attacks\">Arkose Labs<\/a> talk about agents that skip normal browsing, go straight to high-value endpoints (card testing, gift cards, BNPL, high-ticket items), and adapt in real time if they hit friction.\u00a0<\/p>\n\n\n\n<p>Your ID and fraud stack is going to see AI agents trying to open accounts and make purchases 24\/7, some benign, some absolutely not.&nbsp;<\/p>\n\n\n\n<p><strong>Why classic bot defences aren\u2019t enough\u00a0<\/strong><\/p>\n\n\n\n<p>The nasty twist, well-summed up by one recent fraud blog, is that beneficial and malicious agentic AI are technically indistinguishable at first glance. Both:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Run in browsers or CUAs that move the mouse, scroll and click like humans.\u00a0<\/li>\n\n\n\n<li>Can introduce jitter into timings and keystrokes.\u00a0<\/li>\n\n\n\n<li>Can respect (or deliberately emulate) your UX flows.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Old-school bot rules \u2013 \u201cdata-centre IP = block\u201d, \u201ctoo fast = bot\u201d, \u201cno mouse = bot\u201d \u2013 are blunt instruments here and will kill legitimate payment agents along with attackers. You have to stop thinking \u201cbot vs human\u201d and start thinking in terms of intent and pattern at the identity, device and journey level&nbsp;<\/p>\n\n\n\n<p><strong>How to tell good agents from bad ones\u00a0<\/strong><\/p>\n\n\n\n<p>For merchants and banks using an ID+fraud provider like Oneytrust, the detection strategy for this use case looks roughly like this.&nbsp;<\/p>\n\n\n\n<p>Treat \u201cagent\u201d as its own identity class&nbsp;<\/p>\n\n\n\n<p>First step is to explicitly model agent traffic:&nbsp;<\/p>\n\n\n\n<p>Tag sessions where the user agent, device behaviour or integration pattern clearly indicates an AI or automation layer.&nbsp;<\/p>\n\n\n\n<p>Maintain separate risk baselines for:&nbsp;<\/p>\n\n\n\n<p>Human sessions&nbsp;<\/p>\n\n\n\n<p>First-party agents (your own app\u2019s automation)&nbsp;<\/p>\n\n\n\n<p>Trusted third-party agents (big-tech payments, official partners and the new AI purchase agents listed above)&nbsp;<\/p>\n\n\n\n<p>Unknown \/ suspicious agents&nbsp;<\/p>\n\n\n\n<p>Legitimate agents tend to be stable over time \u2013 same provider, similar IP ranges, same small set of identities, and predictable timing &#8211; the same as legitimate people. Malicious agents show sprawl across identities, merchants and institutions &#8211; mimicking their fraudster creators.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Identity and data-level coherence&nbsp;<\/p>\n\n\n\n<p>This is where your digital-identity layer comes into its own, <a href=\"https:\/\/www.oneytrust.com\/it\/industry\/digital-identity\/\">Oneytrust\u2019s own positioning is crystal clear<\/a>: as generative AI, deepfakes and synthetic ID fraud rise, static KYC checks are turning into security liabilities. D-Risk ID focuses on the contextual coherence of identity data (phone, email, device, address, etc.) and can cross-validate against a consortium of live, validated identities from major European retailers and banks.\u00a0<\/p>\n\n\n\n<p>Against agentic AI&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/www.paymentsdive.com\/news\/how-agentic-ai-could-turbocharge-fraud-payments\/804562\/\">Legitimate agents<\/a> will mostly reuse known, well-behaved identities: long history, normal spend patterns, consistent device history, strong matches in consortia data.\u00a0<\/p>\n\n\n\n<p>Malicious agents trying to mass-open accounts or test stolen identities will produce:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Many first-seen identities in a short window.\u00a0<\/li>\n\n\n\n<li>Weak or no matches to real identity graphs.\u00a0<\/li>\n\n\n\n<li>Synthetic patterns (odd name\/email combos, phone\/email geography mismatch, disposable infrastructure).\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Your scoring should treat \u201cnew identity + agent session\u201d as high-risk by default, unless the identity is clearly rooted in your consortium \/ historical data. The truth is that legitimate agents actually resemble patterns and identities of legitimate users. Phew!&nbsp;<\/p>\n\n\n\n<p>Additionally, legitimate payment agents will often come from a small, stable fleet of devices with clear, contractual relationships. You can whitelist those patterns progressively once you\u2019re confident they\u2019re clean.&nbsp;<\/p>\n\n\n\n<p>On-site behaviour&nbsp;<\/p>\n\n\n\n<p>This is where malicious agentic AI really gives itself away.&nbsp;<\/p>\n\n\n\n<p>Tell-tale patterns for malicious agents&nbsp; jump straight from entry to login\/signup\/payment without any browsing or hesitation; no content exploration, just form-filling. They can over-index on voucher\/code entry, BNPL, gift cards, high-limit products \u2013 anything with a better payout per second. Again, they behave in very similar patterns to human fraudsters &#8211; just with greater velocity.&nbsp;&nbsp;<\/p>\n\n\n\n<p>By contrast, legitimate consumer agents do read product content, compare options and respect user preferences set upstream. They often return to the same merchants and categories repeatedly, with low dispute\/chargeback rates over time. You can create a pattern that recognises and allows good behaviour and agents just as you do for good buyers. &nbsp;<\/p>\n\n\n\n<p>In short, your fraud stack should be able to distinguish \u201cagent that behaves like a long-term customer proxy\u201d versus \u201cagent that behaves like a credential-stuffing script with a UI\u201d.&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Don\u2019t outlaw automation; classify it.\u00a0<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Build explicit support for \u201ctrusted agent\u201d traffic in your risk models instead of treating all non-human sessions as hostile.&nbsp;<\/p>\n\n\n\n<p><strong>2. Tie everything back to a real identity.\u00a0<\/strong><\/p>\n\n\n\n<p>Lean hard on identity-graph and consortium data: if an agent is acting for identities you can\u2019t anchor in the real world, raise the bar sharply. Talk to Oneytrust about our graph networks. &nbsp;<\/p>\n\n\n\n<p><strong>3. Use adaptive friction, not blanket blocks.\u00a0<\/strong><\/p>\n\n\n\n<p>For \u201cnew identity + agent + high-risk product\u201d, default to extra verification: stronger SCA, additional ID checks, or out-of-band confirmation. <a href=\"https:\/\/www.techradar.com\/pro\/eu-clamps-down-on-online-fraud-and-hidden-fees-affecting-online-payment-platforms\">EU rules under PSD3\/PSR<\/a> are anyway pushing PSPs towards stronger screening and liability for impersonation fraud \u2013 merchants can ride that wave\u00a0<\/p>\n\n\n\n<p><strong>4. Align with EBA remote-onboarding guidance\u00a0<\/strong><\/p>\n\n\n\n<p>The <a href=\"https:\/\/www.eba.europa.eu\/publications-and-media\/press-releases\/eba-publishes-guidelines-remote-customer-onboarding\">EBA\u2019s remote<\/a> onboarding guidelines demand robust, risk-sensitive processes for online account opening, including impersonation and ID-forgery controls. That\u2019s your mandate to deploy deeper behavioural and identity checks on agent-driven account creation without breaking legitimate customers.\u00a0<\/p>\n\n\n\n<p><strong>5. Instrument and rate-limit flows that agents love\u00a0<\/strong><\/p>\n\n\n\n<p>Sign-up, login, password reset, payment-instrument addition and high-risk product applications should have fine-grained rate limits and anomaly detection specifically tuned for I have tidied up the document by standardizing the titles and headers, removing all numbering, and cleaning up the content based on your instructions.<\/p>","protected":false},"excerpt":{"rendered":"<p>Agentic AI \u2013 autonomous systems that can observe, decide and act across multiple tools \u2013 is about to collide hard with European fraud and payments &#8211; on both sides of the fraud fight. For merchants and banks, the real story in 2026 won\u2019t be \u201cmagic AI agents that make fraud disappear\u201d, but a messy mix&#8230;<\/p>","protected":false},"author":3,"featured_media":3648,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[6,1],"tags":[70,31,68,37,71,72,66,65,69],"class_list":["post-3706","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expertise","category-general","tag-agentic-ai","tag-ecommerce","tag-fraud-detection","tag-fraude","tag-fraude-detection","tag-ia-generation","tag-ia-generative","tag-intelligence-artificielle","tag-lutte-contre-la-fraude"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Agentic AI : fraude et paiements en 2026<\/title>\n<meta name=\"description\" content=\"Comment l\u2019Agentic AI transforme la fraude et les paiements en 2026, entre nouveaux risques et opportunit\u00e9s pour les marchands.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.oneytrust.com\/ro\/agentic-ai-what-you-need-to-know-in-2026\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Agentic AI : fraude et paiements en 2026\" \/>\n<meta property=\"og:description\" content=\"Comment l\u2019Agentic AI transforme la fraude et les paiements en 2026, entre nouveaux risques et opportunit\u00e9s pour les marchands.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.oneytrust.com\/ro\/agentic-ai-what-you-need-to-know-in-2026\/\" \/>\n<meta property=\"og:site_name\" content=\"Oneytrust\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-27T15:50:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-27T15:50:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.oneytrust.com\/wp-content\/uploads\/2026\/01\/Post_Agentic_AI.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"1200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Julie Breton\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"Julie Breton\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/\"},\"author\":{\"name\":\"Julie Breton\",\"@id\":\"https:\/\/www.oneytrust.com\/#\/schema\/person\/7468b32537747c2a80c28ba0064f7f4d\"},\"headline\":\"Agentic AI\u00a0 &#8211; what you need to know in 2026\u00a0\",\"datePublished\":\"2026-01-27T15:50:50+00:00\",\"dateModified\":\"2026-01-27T15:50:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/\"},\"wordCount\":1520,\"publisher\":{\"@id\":\"https:\/\/www.oneytrust.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.oneytrust.com\/wp-content\/uploads\/2026\/01\/Post_Agentic_AI.png\",\"keywords\":[\"Agentic AI\",\"ecommerce\",\"fraud detection\",\"FRAUDE\",\"fraude detection\",\"IA generation\",\"IA g\u00e9n\u00e9rative\",\"Intelligence artificielle\",\"lutte contre la fraude\"],\"articleSection\":[\"Expertise\",\"General\"],\"inLanguage\":\"ro-RO\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/\",\"url\":\"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/\",\"name\":\"Agentic AI : fraude et paiements en 2026\",\"isPartOf\":{\"@id\":\"https:\/\/www.oneytrust.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.oneytrust.com\/wp-content\/uploads\/2026\/01\/Post_Agentic_AI.png\",\"datePublished\":\"2026-01-27T15:50:50+00:00\",\"dateModified\":\"2026-01-27T15:50:52+00:00\",\"description\":\"Comment l\u2019Agentic AI transforme la fraude et les paiements en 2026, entre nouveaux risques et opportunit\u00e9s pour les marchands.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/#breadcrumb\"},\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/#primaryimage\",\"url\":\"https:\/\/www.oneytrust.com\/wp-content\/uploads\/2026\/01\/Post_Agentic_AI.png\",\"contentUrl\":\"https:\/\/www.oneytrust.com\/wp-content\/uploads\/2026\/01\/Post_Agentic_AI.png\",\"width\":1200,\"height\":1200,\"caption\":\"Illustration d\u2019un agent IA analysant des donn\u00e9es num\u00e9riques pour optimiser la d\u00e9tection de fraude.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.oneytrust.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Agentic AI\u00a0 &#8211; what you need to know in 2026\u00a0\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.oneytrust.com\/#website\",\"url\":\"https:\/\/www.oneytrust.com\/\",\"name\":\"Oneytrust\",\"description\":\"Only Trusted Customers. Oneytrust provides fraud detection and identity validation for merchants and banks. Unique consortia data, unbeatable fraud scoring.\",\"publisher\":{\"@id\":\"https:\/\/www.oneytrust.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.oneytrust.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ro-RO\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.oneytrust.com\/#organization\",\"name\":\"Oneytrust\",\"url\":\"https:\/\/www.oneytrust.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\/\/www.oneytrust.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.oneytrust.com\/wp-content\/uploads\/2025\/04\/oneytrust-logo.svg\",\"contentUrl\":\"https:\/\/www.oneytrust.com\/wp-content\/uploads\/2025\/04\/oneytrust-logo.svg\",\"width\":171,\"height\":40,\"caption\":\"Oneytrust\"},\"image\":{\"@id\":\"https:\/\/www.oneytrust.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.oneytrust.com\/#\/schema\/person\/7468b32537747c2a80c28ba0064f7f4d\",\"name\":\"Julie Breton\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\/\/www.oneytrust.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/7d778d89a656901040a5cb3d84c274d6?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/7d778d89a656901040a5cb3d84c274d6?s=96&d=mm&r=g\",\"caption\":\"Julie Breton\"},\"url\":\"https:\/\/www.oneytrust.com\/ro\/author\/julie-breton\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Agentic AI : fraude et paiements en 2026","description":"Comment l\u2019Agentic AI transforme la fraude et les paiements en 2026, entre nouveaux risques et opportunit\u00e9s pour les marchands.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.oneytrust.com\/ro\/agentic-ai-what-you-need-to-know-in-2026\/","og_locale":"ro_RO","og_type":"article","og_title":"Agentic AI : fraude et paiements en 2026","og_description":"Comment l\u2019Agentic AI transforme la fraude et les paiements en 2026, entre nouveaux risques et opportunit\u00e9s pour les marchands.","og_url":"https:\/\/www.oneytrust.com\/ro\/agentic-ai-what-you-need-to-know-in-2026\/","og_site_name":"Oneytrust","article_published_time":"2026-01-27T15:50:50+00:00","article_modified_time":"2026-01-27T15:50:52+00:00","og_image":[{"width":1200,"height":1200,"url":"https:\/\/www.oneytrust.com\/wp-content\/uploads\/2026\/01\/Post_Agentic_AI.png","type":"image\/png"}],"author":"Julie Breton","twitter_card":"summary_large_image","twitter_misc":{"Scris de":"Julie Breton","Timp estimat pentru citire":"7 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/#article","isPartOf":{"@id":"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/"},"author":{"name":"Julie Breton","@id":"https:\/\/www.oneytrust.com\/#\/schema\/person\/7468b32537747c2a80c28ba0064f7f4d"},"headline":"Agentic AI\u00a0 &#8211; what you need to know in 2026\u00a0","datePublished":"2026-01-27T15:50:50+00:00","dateModified":"2026-01-27T15:50:52+00:00","mainEntityOfPage":{"@id":"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/"},"wordCount":1520,"publisher":{"@id":"https:\/\/www.oneytrust.com\/#organization"},"image":{"@id":"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/#primaryimage"},"thumbnailUrl":"https:\/\/www.oneytrust.com\/wp-content\/uploads\/2026\/01\/Post_Agentic_AI.png","keywords":["Agentic AI","ecommerce","fraud detection","FRAUDE","fraude detection","IA generation","IA g\u00e9n\u00e9rative","Intelligence artificielle","lutte contre la fraude"],"articleSection":["Expertise","General"],"inLanguage":"ro-RO"},{"@type":"WebPage","@id":"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/","url":"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/","name":"Agentic AI : fraude et paiements en 2026","isPartOf":{"@id":"https:\/\/www.oneytrust.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/#primaryimage"},"image":{"@id":"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/#primaryimage"},"thumbnailUrl":"https:\/\/www.oneytrust.com\/wp-content\/uploads\/2026\/01\/Post_Agentic_AI.png","datePublished":"2026-01-27T15:50:50+00:00","dateModified":"2026-01-27T15:50:52+00:00","description":"Comment l\u2019Agentic AI transforme la fraude et les paiements en 2026, entre nouveaux risques et opportunit\u00e9s pour les marchands.","breadcrumb":{"@id":"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/#breadcrumb"},"inLanguage":"ro-RO","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/"]}]},{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/#primaryimage","url":"https:\/\/www.oneytrust.com\/wp-content\/uploads\/2026\/01\/Post_Agentic_AI.png","contentUrl":"https:\/\/www.oneytrust.com\/wp-content\/uploads\/2026\/01\/Post_Agentic_AI.png","width":1200,"height":1200,"caption":"Illustration d\u2019un agent IA analysant des donn\u00e9es num\u00e9riques pour optimiser la d\u00e9tection de fraude."},{"@type":"BreadcrumbList","@id":"https:\/\/www.oneytrust.com\/agentic-ai-what-you-need-to-know-in-2026\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.oneytrust.com\/"},{"@type":"ListItem","position":2,"name":"Agentic AI\u00a0 &#8211; what you need to know in 2026\u00a0"}]},{"@type":"WebSite","@id":"https:\/\/www.oneytrust.com\/#website","url":"https:\/\/www.oneytrust.com\/","name":"Oneytrust","description":"Only Trusted Customers. Oneytrust provides fraud detection and identity validation for merchants and banks. Unique consortia data, unbeatable fraud scoring.","publisher":{"@id":"https:\/\/www.oneytrust.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.oneytrust.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ro-RO"},{"@type":"Organization","@id":"https:\/\/www.oneytrust.com\/#organization","name":"Oneytrust","url":"https:\/\/www.oneytrust.com\/","logo":{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/www.oneytrust.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.oneytrust.com\/wp-content\/uploads\/2025\/04\/oneytrust-logo.svg","contentUrl":"https:\/\/www.oneytrust.com\/wp-content\/uploads\/2025\/04\/oneytrust-logo.svg","width":171,"height":40,"caption":"Oneytrust"},"image":{"@id":"https:\/\/www.oneytrust.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.oneytrust.com\/#\/schema\/person\/7468b32537747c2a80c28ba0064f7f4d","name":"Julie Breton","image":{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/www.oneytrust.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/7d778d89a656901040a5cb3d84c274d6?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/7d778d89a656901040a5cb3d84c274d6?s=96&d=mm&r=g","caption":"Julie Breton"},"url":"https:\/\/www.oneytrust.com\/ro\/author\/julie-breton\/"}]}},"taxonomy_info":{"category":[{"value":6,"label":"Expertise"},{"value":1,"label":"General"}],"post_tag":[{"value":70,"label":"Agentic AI"},{"value":31,"label":"ecommerce"},{"value":68,"label":"fraud detection"},{"value":37,"label":"FRAUDE"},{"value":71,"label":"fraude detection"},{"value":72,"label":"IA generation"},{"value":66,"label":"IA g\u00e9n\u00e9rative"},{"value":65,"label":"Intelligence artificielle"},{"value":69,"label":"lutte contre la fraude"}]},"featured_image_src_large":["https:\/\/www.oneytrust.com\/wp-content\/uploads\/2026\/01\/Post_Agentic_AI.png",1172,1172,false],"author_info":{"display_name":"Julie Breton","author_link":"https:\/\/www.oneytrust.com\/ro\/author\/julie-breton\/"},"comment_info":0,"category_info":[{"term_id":6,"name":"Expertise","slug":"expertise","term_group":0,"term_taxonomy_id":6,"taxonomy":"category","description":"","parent":0,"count":29,"filter":"raw","cat_ID":6,"category_count":29,"category_description":"","cat_name":"Expertise","category_nicename":"expertise","category_parent":0},{"term_id":1,"name":"General","slug":"general","term_group":0,"term_taxonomy_id":1,"taxonomy":"category","description":"","parent":0,"count":30,"filter":"raw","cat_ID":1,"category_count":30,"category_description":"","cat_name":"General","category_nicename":"general","category_parent":0}],"tag_info":[{"term_id":70,"name":"Agentic AI","slug":"agentic-ai","term_group":0,"term_taxonomy_id":70,"taxonomy":"post_tag","description":"","parent":0,"count":1,"filter":"raw"},{"term_id":31,"name":"ecommerce","slug":"ecommerce","term_group":0,"term_taxonomy_id":31,"taxonomy":"post_tag","description":"","parent":0,"count":18,"filter":"raw"},{"term_id":68,"name":"fraud detection","slug":"fraud-detection","term_group":0,"term_taxonomy_id":68,"taxonomy":"post_tag","description":"","parent":0,"count":1,"filter":"raw"},{"term_id":37,"name":"FRAUDE","slug":"fraude","term_group":0,"term_taxonomy_id":37,"taxonomy":"post_tag","description":"","parent":0,"count":17,"filter":"raw"},{"term_id":71,"name":"fraude detection","slug":"fraude-detection","term_group":0,"term_taxonomy_id":71,"taxonomy":"post_tag","description":"","parent":0,"count":1,"filter":"raw"},{"term_id":72,"name":"IA generation","slug":"ia-generation","term_group":0,"term_taxonomy_id":72,"taxonomy":"post_tag","description":"","parent":0,"count":1,"filter":"raw"},{"term_id":66,"name":"IA g\u00e9n\u00e9rative","slug":"ia-generative","term_group":0,"term_taxonomy_id":66,"taxonomy":"post_tag","description":"","parent":0,"count":1,"filter":"raw"},{"term_id":65,"name":"Intelligence artificielle","slug":"intelligence-artificielle","term_group":0,"term_taxonomy_id":65,"taxonomy":"post_tag","description":"","parent":0,"count":2,"filter":"raw"},{"term_id":69,"name":"lutte contre la fraude","slug":"lutte-contre-la-fraude","term_group":0,"term_taxonomy_id":69,"taxonomy":"post_tag","description":"","parent":0,"count":1,"filter":"raw"}],"_links":{"self":[{"href":"https:\/\/www.oneytrust.com\/ro\/wp-json\/wp\/v2\/posts\/3706","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.oneytrust.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.oneytrust.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.oneytrust.com\/ro\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.oneytrust.com\/ro\/wp-json\/wp\/v2\/comments?post=3706"}],"version-history":[{"count":1,"href":"https:\/\/www.oneytrust.com\/ro\/wp-json\/wp\/v2\/posts\/3706\/revisions"}],"predecessor-version":[{"id":3707,"href":"https:\/\/www.oneytrust.com\/ro\/wp-json\/wp\/v2\/posts\/3706\/revisions\/3707"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.oneytrust.com\/ro\/wp-json\/wp\/v2\/media\/3648"}],"wp:attachment":[{"href":"https:\/\/www.oneytrust.com\/ro\/wp-json\/wp\/v2\/media?parent=3706"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.oneytrust.com\/ro\/wp-json\/wp\/v2\/categories?post=3706"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.oneytrust.com\/ro\/wp-json\/wp\/v2\/tags?post=3706"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}