Banca Transilvania is the first bank in Romania to join the Visa Agentic Ready programme, an initiative through which Visa, a global leader in digital payments, is preparing the payment ecosystem for the new era of autonomous commerce, based on commercial transactions initiated by agents powered by artificial intelligence.

BT is participating in both the testing and the development of the new agentic commerce solutions.

The programme is initially launching in Europe and provides a structured framework to test and validate transactions conducted with the help of AI agents. As a first step, participants will collaborate with Visa and merchants to assess the way in which these payments can operate securely and extensively in controlled production environments. Europe has been chosen as the starting point for the implemention due to the high level of adoption of technologies such as tokenization, biometric authentication, and advanced security systems — capabilities already integrated into the global Visa network.

România este o piață extrem de dinamică în adoptarea noilor tehnologii de plată. Implicarea Băncii Transilvania în programul Visa Agentic Ready arată deschiderea ecosistemului local către următoarea generație de experiențe de comerț digital. Prin această inițiativă, Visa își propune să construiască infrastructura de încredere care va permite agenților AI să inițieze plăți în siguranță, oferind consumatorilor experiențe de cumpărare mai simple, mai inteligente și mereu sub controlul lor. Credem că acest tip de inovație va deschide oportunități importante pentru consumatori, comercianți și instituții financiare din România, contribuind la dezvoltarea unui comerț inteligent, personalizat și eficient.

Elena Ungureanu
Country Manager Visa în România

Banca Transilvania is delighted to join the Visa Agentic Ready programme and to contribute to shaping the future of smart and secure payments. As AI-driven commerce accelerates, our goal is for both consumers and businesses to enjoy seamless, secure, and scalable payment experiences.

Oana Ilaş
Deputy CEO - Retail Banking
Banca Transilvania

Through this programme, Visa aims to accelerate the development of a smart and programmable commerce model in which digital agents can initiate and manage transactions on behalf of users, while ensuring that consumers retain the ultimate control over their payments.