FI-Forum 2026 · Booth 7

The day after tomorrow.

The day after tomorrow: will agents come with the wallet?

AI agents are supposed to shop for us. Banks are wary – for good reasons: language models sometimes make things up, can be manipulated and mostly come from a handful of US platforms. Our research project EUDIPal shows a way forward.

Comic figure: the customer

Sovereign in the model

The customer chooses the AI: Claude, Gemini or Command A+ from Cohere – even one running in your own data centre. Switch any time.

Comic figure: the Sparkasse as a safe

Safe with the money

The AI never gets the money, only a mandate. The Sparkasse issues it, holds it and checks every payment.

What a mandate looks like

€60

per purchase

€300

in total

1 month

valid

1×

Face ID

Only at the Kiezmarkt, only food, drinks and household goods.

Scene from the film (German labels): the EUDIPal wallet with the shopping agent’s card and the mandate – 60 euros per purchase, 300 euros in total, valid for one month.

Four roles

Customer

chooses the model and grants the mandate

Merchant

decides about the goods

Bank

decides about the money

AI

decides about none of it

Scene from the film (German labels): the merchant rejects the six-pack of beer, the Sparkasse rejects ten packs of coffee for 69.90 euros.

When the AI gets it wrong

A six-pack of beer? The merchant refuses. Ten packs of coffee for €69.90? The bank refuses.

Every rejection says who refused and why – and nothing is paid.

The film: Shop with any AI – on your terms (2:54)

In 90 seconds

The short version of the same story – for a first look or for sharing.

Any model. One mandate. Your rules.

Join in today

Test it: connecting the App Sparkasse with the EUDI Wallet

EUDIPal is our test app. In its lab you switch on the layout of the App Sparkasse and choose how IDs and credentials from the EUDI Wallet come into the app – in four variants.

Variant Interwoven: start page of the App Sparkasse with filters for all, accounts, IDs and theme worlds, and a stack of account cards.

Interwoven

One card stack for money, IDs and theme worlds.

Variant Wallet tab: a separate Wallet tab with age credential, driving licence and ID card, plus paying with EUDI.

Wallet tab

The bank stays the bank, the wallet is a fifth tab.

Variant Two worlds: a Wallet and Banking switch, below it the card stack with IDs, account key and accounts.

Two worlds

The wallet is the entrance, banking lies behind it.

Variant ID pocket: financial overview of the App Sparkasse, with the ID pocket above the tab bar.

ID pocket

The bank stays the bank, the IDs are always within reach.

Which variant do your customers understand best? Try all four and tell us. The age credential from online banking and the shopping agent with a mandate from the Sparkasse are part of it too.

In EUDIPal under Settings → Lab → “Layout der App Sparkasse (S-YOU)”, on the iPhone. The pictures show demo data. The app itself is in German.

Would you like to test EUDIPal with your Sparkasse? Come to booth 7.

Try EUDIPal ↗ More videos ↗ Interfaces and target picture ↗

EUDIPal is a research project of digitallabor.berlin. Bank and merchant in the demo are test systems; no real money moves.