Switzerland: Criminal Law

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White Collar Crime, Anti-Corruption & Fraud

Article
When AI Agents Pay: The Legal Challenges Of Agentic Payments In Switzerland
AI agents no longer merely recommend purchases — they are beginning to select merchants, conclude transactions and pay, within mandates their users define in advance. For Swiss banks and fintechs, this shifts the legal question from whether an institution may deploy an autonomous agent to whether a customer can validly authorise today a payment whose amount, counterparty and timing will only be determined tomorrow. The payment mandate, not the individual payment instruction, becomes the decisive legal control point.
Switzerland Technology
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Corporate Crime

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Crime

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