Super apps, agentic commerce and the compliance flywheel: A look into the future

Julie Muhn, Senior Research Analyst at Finovate, and Rahul Raj, Technology Executive at Walmart, sit down during FinovateFall 2026 for a forward-looking conversation. Rahul unpacks the future of super apps in the U.S., arguing they will become holistic platforms built on micro-apps that span shopping, education, healthcare, and financial needs, all powered by predictive LLMs that know more about consumers than they know about themselves. He introduces a four-component AI flywheel that will determine which fintech companies win: frontier LLM models, evolving agent-to-agent use cases, deep canonical data models, and speed of innovation. The conversation digs into the compliance and governance foundations needed before agentic commerce can truly take flight, including the shift from Social Security numbers to a proposed Workforce Security Number with biometric verification to authorize high-value transactions. Raul also draws a clear line between mundane tasks ready for full automation and decisions that will always demand human judgment. Key topics covered: • Super apps as holistic platforms built on micro-apps across shopping, education, finance, and health • The shift from brand loyalty to agent loyalty in consumer behavior • Trust as the core infrastructure foundation • Why the company that sequences the flywheel correctly wins market share and consumer trust • Agentic commerce today - how much are people willing to let agents have complete control over • The bifurcation of tasks: mundane transactions go agent-to-agent, human decisions stay human • Guarding against agent hacking by building compliance deep into the data structure, not layered on top #finovate #agenticcommerce #superapps