Liability in Agentic Commerce: Who Takes the Risk? [Live]

What happens to liability when the entity making a purchase is not a human? AI agents are moving from research into commercial reality. They can research and execute purchases. But the legal, identity, and payment infrastructure that commerce runs on was designed around humans in the loop. This session explores what breaks when agents enter the picture and what needs to be built before agentic commerce can scale.

Guests:

- Przemek Praszczalek, Product Lead at Invela Network (formerly Mastercard, nine years in emerging payments and verifiable credentials)

- Ronald Kogens, Partner at MME, a Swiss law firm specializing in technology and financial markets law

(0:00) — Introduction and framing

(6:44) — How is agentic commerce different from traditional e-commerce?

(10:18) — Legal perspective: what changes when a non-human initiates a transaction?

(12:46) — Authenticating the agent vs. authenticating the person behind it

(16:26) — Bank liability when agents interact with fraudulent merchants

(19:07) — The closed vs. open ecosystem problem

(20:34) — Does the "I agree" button still work when an agent is clicking it?

(25:07) — Dispute flows, chargebacks, and cognitive overload

(28:31) — When the agent screws up: who is actually liable?

(31:33) — The EU AI Act and its implications for agent developers

(33:18) — New fraud vectors introduced by agentic commerce

(37:10) — Should agentic transactions be flagged differently in payment rails?

(40:08) — How will dispute resolution change in practice?

(43:37) — Could agents ever have legal personality?

(46:00) — Timeline: when does autonomous agentic commerce actually arrive?

(48:43) — B2B vs. B2C: which scales faster and why?

(54:16) — Audience Q&A: UK regulation and the T&Cs consent problem

Website - https://www.dock.io/

LinkedIn - https://www.linkedin.com/company/docknetwork/