UOB report: AI agents will gradually enter the financial industry

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A UOB report says AI agents will gradually enter the financial industry, first handling repetitive tasks governed by clear rules before expanding to complex financial decisions and autonomous movement of funds. Experts interviewed expect machine-to-machine payments to be deployed at scale first, followed by workflows such as corporate treasury, procurement and reconciliation around 2027, while consumer applications could emerge as early as 2029. Liability, agent identity and interoperability remain the main obstacles to payment adoption.