Agentic commerce, bank-backed wallets, and Click to Pay are the three technologies expected to have the most significant impact on consumer payments over the next 12 months, according to the Consumer Payments Tech Horizon report, released by Juniper Research.

In a statement on Tuesday, Juniper Research said the report assesses 17 consumer payments technologies, ranking each as either “Above the Line,” meaning it is performing strongly, or “Below the Line,” meaning it is underperforming relative to market expectations, offering payment providers, banks, and other stakeholders a data-driven view of which innovations are delivering value.

On agentic commerce, the introduction of AI agents to shopping will revolutionize e-commerce, with hype around the technology beginning to translate into actual deployments over the next 12 months.

Regarding bank-backed wallets, Wero is showing strong traction in Europe, supported by increased near-field communication access and a push for payments sovereignty driving bank-led initiatives.

About Click to Pay, the report said mandates from card networks are reshaping how cards function within e-commerce.

Nick Maynard, VP of Research at Juniper Research, said consumer payments are shifting rapidly, with agentic commerce set to reshape how transactions occur, and that merchants must stay ahead of shifts in consumer behavior or risk being left behind in an increasingly commoditized, user-experience-led e-commerce environment.

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