Scaling agentic commerce payments
Bringing Agent Pay, tokenization, authentication, and controlled autonomous transaction flows into European markets.
Roy Meshulam
Product Delivery / Agentic Commerce Payments at Mastercard
I help bring agentic commerce and secure tokenized payments from strategy into market execution across regulated European environments.
Agentic commerce
Financial technology
Production rigor
15+
Years Experience
Agent Pay
Commerce Rollout
Fintech
Delivery Depth
About
"Advanced AI capability, grounded in real systems and measurable outcomes."
I serve in Product Delivery / Agentic Commerce Payments at Mastercard, leading work that connects AI agents with secure, tokenized payment experiences for consumer and B2B commerce.
My background spans software engineering, AI, product delivery, payments, and regulated financial services. From Agent Pay and digital wallet launches to FX derivatives programs at UBS, I focus on work that requires technical depth, governance, and disciplined execution.
What I'm Known For
A practical mix of AI fluency, financial technology experience, engineering depth, and delivery discipline.
Leading fintech delivery in regulated markets
Bringing payment products, agentic commerce, wallets, and trading systems from strategy into market execution.
Connecting engineering, product, and governance
Working across technical, commercial, and control functions so complex systems can ship responsibly.
Translating ambiguity into operating rhythm
Creating priorities, roadmaps, feedback loops, and delivery mechanisms that senior stakeholders can act on.
Experience
Mastercard · Zurich, Switzerland
Product Delivery / Agentic Commerce Payments
Current
Leading the European rollout of Agent Pay, connecting AI agents with secure tokenized payments for consumer and B2B commerce.
- Expand Mastercard Agent Pay across Europe with issuers, acquirers, PSPs, and merchants.
- Embed authentication, tokenization, and dispute resolution into agentic payment flows.
- Scale transparent, controlled, and fraud-protected payment experiences for autonomous transactions.
Mastercard · Zurich, Switzerland
Product Delivery / E-Commerce Payments
Jan 2023 - Dec 2024
Drove go-to-market readiness and delivery execution for European e-commerce payment products using AI-driven analytics.
- Reduced launch delays by 20% by identifying readiness gaps through predictive insights.
- Improved customer retention by 15% through data-driven prioritization and customer scoping.
- Lifted launch efficiency by 25% with agile planning, automation, and predictive delivery practices.
Mastercard · Zurich, Switzerland
Product Delivery / Contactless Payments
Jan 2018 - Dec 2022
Led expansion of digital payments products including Apple Pay, Google Pay, and MDES for Device Wallets.
- Increased transaction volume and market penetration by 30% through data-informed rollout strategies.
- Raised product adoption and engagement by 20% through stronger positioning and messaging.
- Improved customer satisfaction by 25% while commercializing MDES for Device Wallets.
Mastercard · Zurich, Switzerland
Product Delivery / Masterpass
Jan 2015 - Dec 2017
Built stronger onboarding and implementation delivery for Masterpass through cross-functional execution and standardized delivery practices.
- Improved onboarding efficiency by 30% with a streamlined customer implementation process.
- Reduced project timelines by acting as the implementation subject matter expert.
- Increased customer satisfaction by 20% through better documentation, lessons learned, and process improvement.
UBS Investment Bank · Zurich, Switzerland
Software Engineer to Project Manager / FX Derivatives
Jul 2007 - Dec 2014
Progressed from software engineering into project management while delivering regulated trading systems and business-critical change.
- Delivered FX derivatives systems in C++, Java, JavaScript, and ActionScript with measurable gains in trading efficiency and accuracy.
- Achieved 100% on-time regulatory go-lives with zero customer disruptions across CFTC, MiFID, and ESMA-driven programs.
- Improved system performance, trading volume, and stakeholder satisfaction through structured execution and risk management.
Proof of Impact
Outcomes across agentic commerce, digital payments, AI-enabled analytics, and regulated financial technology delivery.
01
Mastercard | Current
Scaled agentic commerce payments across Europe
Leading the expansion of Mastercard Agent Pay and bringing secure tokenized payments into live agentic commerce journeys.
Impact: Unified authentication, tokenization, and dispute resolution in support of transparent, controlled autonomous transactions.
02
Mastercard | 2023 - 2024
Reduced launch risk across European e-commerce payments
Used AI-driven analytics to surface launch risk, sharpen prioritization, and improve market delivery across Europe.
Impact: Delivered 20% fewer launch delays, 15% stronger retention, and 25% better launch efficiency.
03
Mastercard | 2018 - 2022
Commercialized digital wallets and MDES products
Scaled digital wallet and contactless payment offerings through stronger positioning, execution, and product optimization.
Impact: Drove 30% transaction growth, 20% higher adoption, and 25% improvement in customer satisfaction.
04
Mastercard | 2015 - 2017
Simplified Masterpass onboarding and implementation
Standardized onboarding and delivery documentation to make implementations faster, cleaner, and more repeatable.
Impact: Raised onboarding efficiency by 30% and customer satisfaction by 20%.
05
UBS Investment Bank | 2007 - 2014
Delivered regulated FX technology under deadline pressure
Delivered business-critical trading and regulatory change programs under tight deadlines and strict compliance constraints.
Impact: Reached 100% on-time go-live dates with zero customer disruption while reducing project risk exposure.
Education
St. Louis, Missouri, USA
M.Sc. in Artificial Intelligence
Maryville University
Washington, DC, USA
Executive MBA
Quantic School of Business and Technology
Ramat Gan, Israel
M.Sc. in Computer Science
Bar-Ilan University
Ramat Gan, Israel
B.Sc. in Computer Science
Bar-Ilan University
Expertise
Agentic Commerce Delivery
Agent Pay rolloutAutonomous commerceTokenized paymentsAuthentication flowsDispute resolutionPartner governanceMarket enablementSenior stakeholder influence
AI and Data Systems
Artificial intelligenceGenerative AIMachine learningDeep learningModel evaluationData pipelinesMLOpsLLMOpsResponsible AIAI governance
Financial Technology
Agentic commerceDigital paymentsTokenizationE-commerce paymentsAPI integrationRisk controlsPredictive analyticsData analysis
Product and Engineering
Product managementProduct strategyRoadmappingProduct launchAgile deliveryFeature prioritizationPythonJavaJavaScriptC++
Connect
Speaking & Advisory Topics
Useful conversations for leaders working through AI adoption, technical capability, fintech delivery, and responsible production systems.
Production-ready AI in regulated environments
Agentic commerce and digital payments
Moving from engineering depth to product and AI leadership
Fintech delivery across product, platform, risk, and market execution
Tokenized payment flows for autonomous commerce
Product delivery across AI-enabled payment ecosystems
Where agentic commerce, fintech, and execution converge.
Available for conversations on agentic commerce, tokenized payments, production-ready AI systems, digital payments, and financial services transformation.