Visa Says the Agentic Enterprise Starts With Better Controls

PYMNTS eBook, Visa

Agentic AI systems need clear guardrails around an organization’s data to protect privacy while ensuring value, Visa SVP, Global Head of Growth and Partnerships Rubail Birwadker writes in a new PYMNTS eBook, “Building the Agent-Ready Payments Enterprise.”

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    Every major technology wave changes how we work. From the printing press to the loom, from the typewriter to the web, new technology requires new ways of working.

    That’s why I see building an agentic enterprise as just as much of an organizational challenge as a technology one. It’s a mindset shift that requires us to organize our work in a new way. For instance, as artificial intelligence agents take on more operational responsibilities, employees are increasingly focused on organizing how agents work and guiding decisions based on their specific domain expertise.

    We’re also seeing employees use AI coding assistants like Claude Code or OpenAI’s Codex to build new workflows to coordinate actions across agents and create fit-for-purpose solutions that solve challenges in real time.

    Many of these new tools activate existing data, unlocking fresh insights and business value. The value often comes not from a single breakthrough capability, but from lifting layers of complexity in ways that reduce manual coordination and help us move faster. The best implementations reveal new opportunities that were not visible before, tapping agents to gather information from multiple systems and connect the dots.

    When it comes to true autonomy, most organizations have a ways to go. And that’s a good thing, as there’s quite a bit that goes into true agentic autonomy. Success requires embedding trust, transparency and accountability into AI strategies from the outset. Agentic systems need clear guardrails that limit access to an organization’s data in a way that protects privacy while still ensuring that teams get the most value from their artificial intelligence tools.

    Enterprises must also thoughtfully balance agentic autonomy with human oversight. It’s not a binary choice, as different workflows require different levels of human involvement. Many tasks will continue to require human judgment, particularly when decisions involve financial risk, regulatory obligations, customer trust or broader business strategy.

    We also must keep the end goal always in mind: tapping both human and machine capabilities in ways that create smarter decisions, faster execution and stronger business outcomes. That’s the true value of the agentic enterprise: the best of both worlds.

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