Cover for the PYMNTS Intelligence and Trulioo March 2026 Digital Identity Framework Report. PYMNTS Intelligence explores how enterprises build Know Your Agent defenses to detect bots, prevent fraud and secure digital identity.

Enterprises Race to Build ‘Know Your Agent’ Defenses Against AI Bots

How Enterprises Can Build a ’Know Your Agent’ Defense: Digital Identity Verification in the Age of Bots

As AI agents begin shopping, booking, and transacting on behalf of consumers and businesses, enterprises face a new challenge: verifying not just people, but the machines acting on their behalf. “How Enterprises Can Build a ’Know Your Agent’ Defense: Digital Identity Verification in the Age of Bots,” a PYMNTS Intelligence and Trulioo collaboration, explores why the next frontier in digital identity may be “Know Your Agent.”

Inside the March Framework

  • Nearly 90% of organizations say managing bot activity is now a challenge, as AI-powered agents increasingly interact with platforms alongside human users.
  • Weak or outdated controls allow malicious bots to slip through while legitimate users are mistakenly blocked, contributing to nearly $100 billion in annual fraud losses and missed revenue opportunities.
  • A five-layer verification architecture integrates KYC and KYB, adding new capabilities to authenticate autonomous agents, monitor behavior in real time and maintain trust across digital transactions.

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    Digital Identity Framework