Select a category

Select a category

SEARCH

Agentic Commerce: China’s Lead, Europe’s Choice

AI agents are no longer just helping consumers shop — they are starting to shop for them. As commerce shifts from clicks to delegation, the rules of visibility, discovery, and competitiveness are being rewritten in real time. China is already showing how fast AI-driven commerce can move when intent, payments, and execution converge inside connected digital ecosystems. This whitepaper explores what Europe can learn from China’s lead, why the merging battle over commerce protocols matters, and what businesses need to do now to stay relevant in the next era of ecommerce.

an iPad with a fintech 2040 webpage open

Meet the experts

Roland foto
Prof. Dr. Roland Frank

Professor of Digital Leadership at Mediadesign University Berlin (MD.H). Roland specializes in digital transformation, AI integration, and the future of consumer markets, with a strong focus on how AI is reshaping business models and commerce ecosystems.

Alexander foto
Alexander Scheibel

Product Development Lead – BNPL at Riverty. Alexander leads the development and scaling of Buy Now, Pay Later solutions across Europe, helping shape payment experiences for more than 40 million consumers and 20,000 merchants across 10 markets.

Fintech 2040 insights

Fintech 2040 is a space for examining how financial services may evolve over the next decade. It brings together research, analysis, and informed perspectives on the structural shifts shaping the future of finance.