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Shikko Nijland

CEO
INNOPAY Oliver Wyman
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Shikko's opinions

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Shikko Nijland

The Agent Advantage Gap: Why Digital Representation Will Reshape Financial Inclusion

The Agent Advantage Gap: Why Digital Representation Will Reshape Financial Inclusion A profound shift is taking place in the digital economy. AI is evolving from a tool that assists humans to an infrastructure that represents them. As digital agents become intermediaries in payments, credit, insurance, commerce and government services, the quality...

13 November 2025 /ai /inclusion Banking Strategy, Digital and Transformation

Shikko Nijland

Agentic Commerce: Building the Trust Framework for Machine-Initiated Payments

AI agents are starting to transact on behalf of humans. Whether mainstream adoption arrives in three or five years is secondary. What matters is readiness—defining digital mandates, verifying agent identity, and allocating liability before scale arrives. Europe can lead if it builds a trusted framework for agent-initiated payments now. From human...

03 November 2025 /ai /payments Payments strategies 2015-2020-2030

Shikko writes about

  • artificial intelligence
  • payments
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  • retail banking
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Shikko's opinion archive

  • 2025 (2)
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