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.

Romania is an extremely dynamic market when it comes to adopting new payment technologies. Banca Transilvania’s involvement in the Visa Agentic Ready programme demonstrates the local ecosystem’s openness to the next generation of digital commerce experiences. With this initiative, Visa aims to build the trusted infrastructure that will enable AI agents to initiate secure payments, providing consumers with simpler, smarter and in-control shopping experiences. We believe this type of innovation will open up significant opportunities for consumers, merchants, and financial institutions in Romania, contributing to the development of smart, personalized, and efficient commerce.

Elena Ungureanu
Visa Country Manager in Romania

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.