J.P. Morgan Payments Executive Highlights Agentic AI Governance Challenges in High-Value Payments

A J.P. Morgan Payments executive said banks are increasingly deploying AI in payment infrastructure, with many AI agents already operating in the background to improve payment-flow efficiency and risk management. According to ChainCatcher, Zack Anderson, Chief Data and Analytics Officer at J.P. Morgan Payments, made the remarks during a seminar held during New York Tech Week 2026. Anderson said a key challenge as agentic AI becomes more common in payments is governance and auditability of “machine authorization,” particularly for high-value transactions. He also pointed to an opportunity to use AI to handle complex cross-border payment compliance rules, which he said could reduce payment rejection rates. Anderson added that while corporate AI spending is currently concentrated on customer-facing applications, “agentic treasury” could become an early opportunity in the future. He said large-scale adoption would depend on further improvements to underlying data and governance infrastructure.