Mastercard announced the completion of a pilot that delivered its first authenticated agentic transactions in Malaysia, marking a major step forward for trusted AI‑powered commerce. The pilot was conducted with CIMB Group Holdings Berhad (“CIMB”), Malayan Banking Berhad (“Maybank”) and RHB Banking Group (“RHB”) using Mastercard Agent Pay and was initiated by AI agents in a controlled pilot environment, ensuring security, transparency and full consumer control.
The pilot demonstrated how AI can support consumers to complete everyday tasks — such as transportation — securely and seamlessly.
„In the inaugural test case, an AI agent booked a ride from Kuala Lumpur International Airport to KL Sentral through hoppa, a global mobility provider. The booking and agentic transaction was facilitated by CardInfoLink’s AI agent, which connects to hoppa’s taxi and airport limousine network. The transaction used tokenized credentials authenticated with Mastercard Payment Passkeys to ensure strong customer verification and data protection.” – according to the press release.
„While the pilot confirmed the technical and operational feasibility of agentic transactions in Malaysia, commercial deployment will be rolled out in phases. Mastercard will work closely with issuing banks and partners to educate consumers on agentic commerce, helping them engage with AI-driven payments safely and confidently.” – the company explained.
Powered by Mastercard Agent Pay
Mastercard Agent Pay provides the safeguards needed for secure AI‑initiated purchases. Each transaction uses a Mastercard Agentic Token, uniquely issued to each agent for enhanced security. Consumer consent is explicitly captured and purchase confirmation is secured via Mastercard Payment Passkeys.
Mastercard will continue to work with partners to expand the use cases for secure, authenticated agentic transactions across further industry segments including transportation, travel, entertainment, and retail.
Building the Future of Trusted AI‑Powered Commerce
Looking ahead, Mastercard is accelerating the growth of agentic commerce across Asia Pacific through additional efforts:
. Establishing a regional AI Centre of Excellence in Singapore to drive innovation and strengthen governance for AI led transactions.
. Building deeper partnerships with leading large language model providers and AI agents across the region.
. Deploying dedicated agentic commerce teams across the region to support financial institutions and merchants as they transition to agent-led experiences
This milestone builds on Mastercard’s growing leadership in agentic commerce across Asia Pacific, following earlier authenticated agentic transactions completed in Australia, New Zealand and India. Together, these deployments demonstrate the accelerating adoption of secure, AI‑initiated payments across the region — and Mastercard’s continued progress in establishing trusted, scalable foundations for agent‑powered commerce.
Beena Pothen, Country Manager, Malaysia, Mastercard, said: “Mastercard’s first live agentic transaction in Malaysia demonstrates how AI can engage in commerce responsibly. With Agent Pay, we’re embedding trust, authentication and transparency directly into AI‑driven payments. In collaboration with CIMB, Maybank and RHB, we’re meeting the highest standards of tokenization, enhancing security and consumer protection.”
Gurdip Singh Sidhu, CEO of CIMB Bank Berhad and CIMB Malaysia said: “This milestone underscores how AI can simplify everyday interactions without compromising customer control. It reflects our vision of banking that is intuitive and seamlessly woven into life. Our collaboration with Mastercard enables us to deliver secure and responsible AI‑powered experiences to our customers.”
Jeffrey Ng Eow Oo, Managing Director, Group Community Banking, RHB Banking Group said: “AI is opening the door to entirely new ways of interacting and transacting, but trust must be the foundation. This milestone highlights how thoughtful design and strong industry collaboration can make emerging technologies safe and meaningful for consumers. Together with Mastercard, we’re shaping the next chapter of secure, intelligent commerce to continue enhancing the digital journeys of our customers.”
James Zhao, CEO, Singapore, CardInfoLink, said: “AI is reshaping consumer behavior and business models at unprecedented speed. Success depends on building a safe, smart and scalable foundation across both AI agents and the payments stack.”
Banking 4.0 – „how was the experience for you”
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