Agent-led payments shift commerce from user-driven checkout to an experience where an AI agent—within clear consent and rules—can choose the best payment method, execute the transaction, and manage post-purchase flows (returns, refunds, loyalty). For retailers and merchants, this means rethinking visibility, trust, and conversion: not only being discoverable to customers, but also to the agents buying on their behalf.

Digitising your business does not end with ERP: it ends when the gaps between systems disappear, especially at the point of payment. Integrating Pay by Bank via PISP is an opportunity to close the loop: invoicing, payment and reconciliation in a single digital chain, without relying on files or manual tasks.

What characterises the energy and utilities sector in the United Kingdom? What financial challenges do companies operating in the utilities sector face? And how can open finance and embedded finance help address the growing complexity of the UK energy market?