In the financial sector, particularly within card payment operations, the pace of structural change is accelerating faster than most back offices can adapt. With global chargeback volumes projected to reach 324 million by 2028 (Source: Mastercard / Datos Insights, 2025 State of Chargebacks) and AI agents poised to reshape how payments are initiated, banks and card issuers are facing a fundamentally new kind of operational pressure.
The implications go far beyond managing today's dispute volumes. Manual processes and fragmented transaction data drive up costs, slow resolution times, and leave issuers exposed to an entirely new taxonomy of machine-initiated disputes that existing reason codes simply weren't built to handle.
Our experts have developed the white paper on navigating disputes in the age of agentic commerce, drawing on insights from leading issuers and real-world performance data from the Amiko platform. It helps banks and issuers understand what's changing, what it will cost them if they don't act, and how autonomous dispute management can break the link between rising volumes and increasing resource demands.
Inside, you'll find:
- How agentic commerce is reshaping dispute operations, from mandate-exceeded claims to machine-to-machine exceptions.
- Why the economics of manual dispute handling collapse under high-frequency, low-value AI-initiated transactions.
- How enriched transaction data reduces unnecessary claims before they ever reach the back office.
- The shift in evidence, from cardholder narratives to programmatic mandate trails, and what that means for your operations.
- Real-world benchmarks from Rivero’s dispute management platform, Amiko, showing how intelligent intake deflects claims and resolves cases before they reach the back-office.
- A practical Agentic Readiness Checklist to assess where your operations stand today.
The shift underway redefines how disputes are generated, interpreted, and resolved. Institutions that adapt early will decouple operational scale from staffing levels, while those that delay will find their cost base expanding faster than their control over it.