Fed Governor Waller Addresses AI's Role in Future Payments
Federal Reserve Governor Christopher Waller outlined how artificial intelligence agents could reshape payment systems at the Sibos 2026 conference in Miami.
Federal Reserve Governor Christopher Waller took the stage at Sibos 2026 in Miami, Florida, to address one of the financial industry's most pressing emerging questions: how autonomous artificial intelligence agents will interact with and transform payment infrastructure.
The speech, delivered at the annual gathering of global banking and financial technology professionals, placed the central bank squarely in the conversation around AI-driven automation in financial services. Waller's remarks signal that Fed policymakers are actively monitoring developments at the intersection of machine-driven decision-making and money movement.
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AI agents — software systems capable of acting on behalf of users to complete tasks autonomously — are increasingly being tested across financial workflows, including transaction initiation, reconciliation, and fraud detection. The implications for payment system design, oversight, and regulatory frameworks are substantial, drawing attention from central banks and private-sector institutions alike.
By addressing the topic at a venue as prominent as Sibos, which convenes financial market infrastructures, banks, and technology firms from around the world, Waller underscored the Federal Reserve's recognition that AI integration into payments is no longer a distant prospect but a near-term operational reality requiring policy attention.
The full text and additional context from Governor Waller's remarks are available directly from the Federal Reserve. Continue reading at FRB: Speeches.
