Banco Santander
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Santander and Mastercard Pilot Europe’s First AI-Driven Payment System
Banco Santander and Mastercard successfully conducted a live, AI-initiated payment within a regulated European network. This “agentic payment” trial, using Santander’s live infrastructure and Mastercard Agent Pay, demonstrated an AI agent autonomously completing a transaction within defined limits and controls. While not a public service, the pilot validates the technical feasibility of AI managing payments securely and compliantly, paving the way for future autonomous financial operations.
