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Through 2025, every major incumbent in global payments shipped a version of the same infrastructure: tokenised rails for AI agents to complete purchases autonomously. The convergence is less a market signal than a regulatory gap being filled by private hands.

Easter 2025 was the first major UK retail season where AI-powered demand forecasting, personalised promotional timing, and AI-assisted customer service all operated at meaningful scale simultaneously. The results weren't transformative — but they were instructive.

RTS 2025 moved to ExCeL London and brought something new with it: not more AI, but better AI. More deployment stories, fewer demos, and a sharper, more honest conversation about where the value actually sits.

The EU's AI regulation is coming into force in phases. The UK hasn't followed suit — but UK retailers with EU exposure or AI vendor contracts are more implicated than the 'not our problem' reading suggests.

Pay360 2025 at ExCeL London landed one month before Mastercard's Agent Pay announcement. The payments industry already knew where it was heading. The mood was focused rather than euphoric, which felt about right.

The word 'agentic' is now applied to almost everything with a language model in it. Here's a working definition based on how the technology actually functions, and a clearer view of what's in production versus what's still mostly demos.

Schema.org Product markup and JSON-LD have been around for over a decade. In 2025, they became the infrastructure that determines whether AI systems can accurately understand and recommend your products. The SEO conversation became a GEO conversation. The stakes got real.

Salesforce, Google Cloud, and half the industry arrived at the Javits Center in January 2025 with the same word: agents. Reading through what each company actually announced, the vocabulary shift is real — but the gap between pitch and production remains considerable.

A year ago the question was whether to run pilots. Now it's what to put into production. That shift sounds small. It isn't.

UK online spend on Black Friday 2024 hit £1.12 billion — a 7.2% year-on-year increase and the strongest Black Friday since 2021. The AI traffic story was early but present. The mobile payment story was significant. And BNPL hit £117 million in a single day.

Two 2024 incidents exposed the real fault line in algorithmic pricing. It's not whether prices change — it's whether consumers know they might, and whether they're already committed when they do.

Manchester Tech Festival ran from 28 October to 8 November 2024, with the main conference at Victoria Baths and a dedicated AI Conference on 31 October at Friends Meeting House. If you want to know how the Northern tech community is genuinely engaging with AI, rather than performing enthusiasm at it, it was worth attending.