Insurers use AI to auto-deny claims and require tedious phone calls for appeals. Lunabill provides hospitals with an AI voice bot to automate these calls. This creates an arms race where one company's AI will inevitably negotiate with another's, foreshadowing a future where many adversarial B2B processes become fully automated AI-to-AI interactions.

As consumers use AI to analyze contracts and diagnose problems, sellers will deploy their own AI counter-tools. This will escalate negotiations from a battle between people to a battle between bots, potentially requiring third-party AI arbitrators to resolve disputes.

As anonymous AI agents proliferate globally, traditional KYC and national legal systems become inadequate. It will be impossible to know who or what is behind an agent, creating a need for a new global, trustless infrastructure for agent identity verification and cross-border dispute resolution to prevent abuse by bad actors.

As both consumers and companies adopt personal AI agents, many transactions will occur directly between these bots without human involvement. This disintermediates the customer from the company, fundamentally changing the nature of CX and requiring new ways to measure success and reinforce brand value in a fully automated interaction.

The next phase of AI will involve autonomous agents communicating and transacting with each other online. This requires a strategic shift in marketing, sales, and e-commerce away from purely human-centric interaction models toward agent-to-agent commerce.

Amazon is suing Perplexity because its AI agent can autonomously log into user accounts and make purchases. This isn't just a legal spat over terms of service; it's the first major corporate conflict over AI agent-driven commerce, foreshadowing a future where brands must contend with non-human customers.

AI agents could negotiate hyper-detailed contracts that account for every possible future eventuality, a theoretical concept currently impossible for humans. This would create a new standard for agreements by replacing legal default rules with bespoke, mutually-optimized terms.

The primary danger of mass AI agent adoption isn't just individual mistakes, but the systemic stress on our legal infrastructure. Billions of agents transacting and disputing at light speed will create a volume of legal conflicts that the human-based justice system cannot possibly handle, leading to a breakdown in commercial trust and enforcement.

The future of AI is not just humans talking to AI, but a world where personal agents communicate directly with business agents (e.g., your agent negotiating a loan with a bank's agent). This will necessitate new communication protocols and guardrails, creating a societal transformation comparable to the early internet.