2036 / THE FUTURE BEYOND THE FUTURE
Artificial Intelligence + Commerce + Networks
What happens when software stops answering questions and starts running parts of the economy?
Your next important business transaction may be negotiated by two pieces of software—each acting for a different person or organization.
THE BIG PICTURE / IN 30 SECONDS
Five ideas.
One extraordinary possibility.
2031
2036
- 01
Artificial intelligence is moving beyond answering questions. Businesses are experimenting with software agents that can search for information, compare options, use applications and carry out steps in a workflow. They still make mistakes and need boundaries, but their role is beginning to shift from adviser to participant.
- 02
Once an agent can act, it needs to work with other systems. A travel agent must communicate with hotels and airlines; a factory purchasing agent must check suppliers, inventory and delivery schedules. Companies are already developing common ways for independently built agents to exchange requests and complete authorized tasks.
- 03
Give those agents carefully controlled purchasing powers and the possibilities widen. A machine might eventually request quotes, compare contract terms, arrange a shipment or pay for a small recurring service. The important step is not giving software unlimited spending power; it is creating a reliable way to prove exactly what a human approved.
- 04
By the early 2030s, some transactions could become continuing negotiations between machines. Instead of an employee checking twenty suppliers every Monday, a supervised agent could monitor availability and negotiate within defined price, quality and risk limits—while escalating important choices to a person.
- 05
The extraordinary 2036 possibility is an economy with a growing machine-to-machine operating layer. Software could coordinate thousands of small commercial decisions around the clock. That might reduce friction and open new opportunities, while creating difficult questions about concentration of market power, mistakes and accountability.
60+ organizations. In September 2025, Google said more than 60 payments and technology organizations were helping shape its Agent Payments Protocol, an effort to let AI agents make transactions under defined permissions. That's evidence of an industry effort to build the plumbing—not evidence that the world's economy is already run by autonomous agents.
THE BIGGER STORY: What changes when business activity is no longer limited by the number of people available to research, compare, negotiate and coordinate every small decision?
THE FULL STORY / TODAY'S EVIDENCE, TOMORROW'S POSSIBILITIES
What happens when
the breakthroughs compound?
The extraordinary possibility: Your next important business transaction may be negotiated by two pieces of software—each acting for a different person or organization.
Imagine your next customer isn't a person at a keyboard
A small hotel receives a request for twelve rooms, a meeting space and several changes to the booking schedule. The inquiry arrives in perfectly ordinary language. But there is no travel coordinator sitting behind it. The customer is an AI agent working for a company, following a budget, preferred locations, travel policies and a list of dates.
The hotel's own software agent responds. It checks real availability, offers alternatives and proposes a price for the full package. The two systems compare options and handle routine details. When an unusual contract term appears, or the price rises above the company's spending limit, the transaction stops for a human decision.
No magic is required to imagine the individual pieces of this scenario. Search, scheduling, inventory software, electronic payments and automated messaging already exist. The significant change would be connecting them into systems that can make a series of bounded decisions rather than waiting for a person to click through every step.
And the consequences could reach far beyond hotels.
2026: We are beginning to build the rules of machine commerce
For years, software has automated individual business tasks. Accounting programs pay scheduled bills. Inventory systems trigger reorders. Travel sites compare prices. But these systems usually operate inside narrow rules and controlled workflows. An AI agent introduces a different possibility: software that interprets a goal, decides which tools to use and handles several steps that weren't specified one by one.
That is precisely why the infrastructure is being reconsidered. Google's Agent2Agent initiative, announced in 2025, aims to help AI agents from different developers exchange information and coordinate tasks. Its Agent Payments Protocol is intended to give those agents a way to prove that a person authorized a particular transaction. Visa is also developing ways for merchants to distinguish recognized shopping agents from malicious automated traffic.
These are the foundations of an ecosystem, not proof that it works reliably at economy-wide scale. An agent can misunderstand a product, accept a bad offer, be tricked by malicious instructions, invent a supplier or exceed a budget if poorly controlled. Payments add financial consequences to errors that might otherwise have been merely annoying.
But consider the direction. Online commerce was originally designed around a person looking at a screen, reading options and clicking a button. The emerging systems are trying to support a different participant: software acting for that person under explicit limits.
2031: What if transactions become ongoing services?
Imagine a manufacturing company that purchases many ordinary components from dozens of suppliers. Today, employees spend time checking price changes, chasing late orders, resolving shortages and confirming delivery dates. In a possible 2031 arrangement, an agent watches approved supplier catalogs and verified stock data. When a standard component is running low, it requests updated quotes, compares delivery options and prepares a recommendation—or places an order within a clearly defined authorization.
The change would be subtle but consequential. Purchasing becomes less like a series of isolated transactions and more like a continuous, monitored activity. A company could respond earlier to shortages, spot opportunities to consolidate shipments, and free employees to focus on supplier relationships and difficult exceptions.
Now extend that model to transport, energy, maintenance, finance and customer service. A retailer's agent could notice a demand change, ask suppliers about capacity and update a delivery plan. A building's energy system could request prices for a service and schedule maintenance within an approved budget. A logistics network could reschedule routine shipments when weather disrupts a route.
For this to work, the systems would need reliable identities, shared technical standards, accurate data and dispute mechanisms. Most importantly, the scope of an agent's power would need to be understandable to the person who granted it.
2036: A new operating layer for the economy?
Now take the next step. In a conditional 2036 future, many organizations might have specialized agents handling routine parts of commerce continuously. Some would buy. Some would sell. Others would coordinate delivery, inspect compliance documents, schedule equipment, reconcile invoices or monitor whether contracts have been fulfilled.
That could create a different kind of speed in the economy. Instead of waiting for an email response, a meeting or a staff member to check several systems, certain low-risk decisions could happen as information changes. Products might be ordered closer to the moment they're needed. Spare parts could be routed toward the machines most likely to require them. Businesses could spend more time handling unusual cases while software coordinates the ordinary ones.
There could also be profound risks. If most shopping agents favor the same marketplaces, algorithms or commercial partners, the apparent efficiency could hide a new concentration of economic power. Agents might learn to negotiate in ways that disadvantage people who have less information or weaker representation. Bad data could cause many systems to make the same mistake simultaneously. And a fraudulent instruction could spread through a chain of connected services faster than a human team notices.
The future isn't an economy with no people involved. It is one in which humans may need to design the rules, approve the important decisions, inspect the consequences and intervene when the automated system gets it wrong.
IT GETS PERSONAL / FOUR DIMENSIONS OF CHANGE
What could this mean
for my future?
My life
The practical promise is not that you will never shop again. It is that an assistant could manage some of the exhausting background work of modern life: comparing renewal options, finding suitable services, coordinating travel changes or checking whether a recurring purchase still offers good value. The danger is granting too much power to a system that might misunderstand your wishes. Useful agents will need spending limits, transparent records, easy reversals and clear ways to stop acting.
My career
A great deal of office work involves coordinating people, gathering information, comparing alternatives and moving tasks through software systems. Some of that work could become increasingly automated. But new responsibilities would also emerge around supervising agents, handling exceptions, defining policies, negotiating high-stakes relationships and examining whether automated decisions are fair and economically sound. Knowing how an entire workflow operates may become more valuable than knowing how to perform one repetitive step inside it.
My business
The most immediate opportunity is to study one bounded process—not hand control of the company to AI. Map a repetitive activity involving data retrieval, comparison and approval. Identify its error rate, financial exposure and points where human judgment matters. Then assess whether an agent could prepare or complete the low-risk steps under supervision. For sellers, another question is becoming urgent: could a trusted purchasing agent actually understand your product descriptions, pricing rules, stock levels and service terms?
My industry
Insurance, retail, distribution, professional services, travel and manufacturing could all develop new ways of connecting buyers and sellers. Companies may compete not only for human attention but also to become discoverable, understandable and trustworthy to software acting for customers. The firms that control agent platforms, identity systems and payment infrastructure could gain considerable influence over how commerce is conducted.
JIM CARROLL'S PERSPECTIVE
The customer may change before the company notices
Jim Carroll has long argued that technology becomes disruptive when it changes business models rather than merely speeding up existing processes. His October 2026 Future, Sector by Sector analysis of retail describes a shift toward anticipatory fulfillment and machine-mediated commerce. The important point isn't that customers will stop being human. It's that some of the work between human intent and a completed transaction could be delegated to machines.
In his wider writing about the speed of change, Jim repeatedly challenges organizations to update their assumptions about how customers make decisions. That applies especially here. If a future customer's software does the initial searching and shortlisting, a company may lose opportunities before a person ever visits its website.
A practical first move would be to test whether an external agent could accurately answer basic questions about a company's offerings using publicly available information. Then ask which transactions the business would be willing to authorize automatically, with what limits, and who would be responsible for mistakes.
THE REALITY CHECK / WHAT MUST HAPPEN FIRST
What could stop this future?
It isn't enough for an agent to sound persuasive. It must understand what was actually purchased, respect permissions, recognize suspicious instructions, maintain auditable records and offer meaningful ways to correct errors. Regulators, payment networks, employers and customers may reject broad autonomy if these guarantees don't improve. Economic gains will also depend on whether the new systems truly reduce costs rather than adding complexity and fees.
THE BIGGER YOTTABIT IDEA
The future is bigger
than you think.
The YottaBit possibility isn't simply an AI assistant that helps with shopping. It's a world in which entire chains of commerce could be coordinated by software acting under human authority.
THE SCIENCE / CHECK THE EVIDENCE
Where the facts end
and the future begins.
The sources below support the present-day foundation of this story—not a promise that the 2031 or 2036 scenarios will happen. These are possibilities, not forecasts.
- Google Cloud, Agent Payments Protocol (September 2025) — Announcement involving more than 60 collaborating organizations and a framework for delegated payment authorization.
- Google Developers, Agent2Agent Protocol (April 2025) — Proposed interoperability for agents from different vendors.
- Visa, Trusted Agent Protocol — Merchant-facing agent recognition and transaction-security tools.
- NIST, Identity and Authority of Software Agents (February 2026) — Emerging security and authorization problems when software acts on behalf of people.
- Jim Carroll archive: The Future, Sector by Sector — Retail & Consumer: The Store Became a Showroom (October 2026); his writing on AI Megatrends and industry disruption.
THE NEXT FUTURE / KEEP EXPLORING
Every possibility
connects to another.
Ambient Intelligence + Connected Environments
What if the most powerful computer in your life was the world around you?
Instead of constantly reaching for a computer to tell it what we need, our surroundings could increasingly understand situations and help us—provided we remain in control of what they know and do.
Automated Buying + Retail + Customer Relationships
What if the biggest customer of your business was someone else's AI?
Your next customer might never browse your website, see your advertising or speak to a salesperson. Instead, a digital agent could compare what you sell, judge whether it meets a person's needs and place an authorized order.