CREDIT: XXX
SPREEDLY
“ At its core, tokenisation allows merchants to store card data, to process sensitive data, without having to touch it”
Doug Fry Senior Product Manager Spreedly
Doug also notes that merchants still want non-sensitive contextual data, such as BIN information, so they can make better routing and fraud decisions while keeping raw card data out of scope.
Forming the agentic commerce layer Looking ahead, Doug sees tokenisation as the infrastructure that will support agentic commerce. As AI systems become more involved in purchase journeys, he believes tokenisation and network tokens will help create a trusted framework for those transactions.
“ Tokenisation, and network tokens in particular, are going to underpin all of that,” he believes.
But he does not think the biggest challenge is purely technical. Consumer trust will be just as important as trust in issuers or merchants.
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