Threat Modeling for Agentic Payments (Free)
A 20,000-word whitepaper on threat modeling for AI-powered autonomous payment systems in financial services.
Join practitioners from banks, fintechs, and asset managers
About This Resource
AI agents are initiating purchases, transferring funds, and executing subscriptions — autonomously, at scale, and often without human review. This whitepaper provides a purpose-built threat taxonomy and tiered control framework for fintechs and financial institutions navigating the risks of agentic payments.
Covers five threat categories (agent identity, authorization, transaction integrity, fraud, and systemic risk), seven control domains across three maturity levels, and regulatory analysis across the US, UK, and EU. Written for CISOs, fraud leaders, and compliance officers who need to get ahead of this before regulators do.
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Frequently Asked Questions
What are "agentic payments" exactly?
Agentic payments are transactions initiated, authorized, or executed by AI agents rather than humans. Think: an AI travel assistant booking flights, a procurement bot reordering inventory, or a financial planning agent moving funds between accounts — all autonomously. Mastercard Agent Pay, PayPal MCP, and Stripe MCP servers are already live in production.
Who should read this whitepaper?
CISOs, fraud operations leaders, and compliance officers at fintechs and payments-adjacent financial institutions. It assumes familiarity with payments infrastructure and regulatory compliance, but no background in AI or machine learning.
What threat categories does it cover?
Five: (1) Agent identity and authentication threats, (2) Authorization and permission threats, (3) Transaction integrity threats, (4) Fraud and financial crime threats, and (5) Systemic and platform-level threats. Each includes specific attack vectors and scenarios from real agentic infrastructure.
How is the control framework structured?
Seven control domains, each with three maturity levels (basic, intermediate, advanced). This lets you assess your current posture and build incrementally — you don't need to implement everything at once.
Is this relevant if we don't use AI agents yet?
Yes — your customers, vendors, and counterparties likely will soon. Morgan Stanley projects $385B in agentic commerce by 2030. Understanding the threat landscape now means you can design controls before you're forced to retrofit them.
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