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LIVE BRIEF

Loyalty and Agentic Commerce

Part I: What actually changes when agents do the shopping

Brief Contents:

  • Introduction - The New Buyer for Travel

  • Part I: What Changes When Agents Do the Shopping

  • Part II: The Next 18-Months for the Agentic Travel Marketplace

  • Part III: Loyalty as the Strategic Counterweight

  • Part IV: The Protocol Landscape: Full Inventory & Readiness

  • Part V: Executive Action Plan 

Chapter 1: What is Agentic Commerce and Why Travel is its Flagship Category

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Chapter 2: Time and Convenience Is the New Currency — The Consumer Adoption Case

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3. The next 18 months for the Agentic Travel Marketplace

Who the players are, what ships when, and three scenarios for 2028. Plus why incumbent airlines are structurally slow to move, and why that hesitation is your opportunity window.

4. Loyalty as the strategic counterweight

With over 2.4 billion member accounts and programs worth $25–32 billion each, loyalty is travel's only durable moat. Learn the two-layer model, Contingent Offers, and how to make loyalty agent-legible.

5. The protocol landscape: Full inventory & readiness

Every standard that matters — ACP, AP2, UCP, MCP, TAP, zkTLS, NDC, ONE Order — with who built it, what it does, and an independent verdict on production readiness.

6. Executive action plan

A four-step preparation playbook, quarter-by-quarter roadmap, the three risks of waiting, and the metrics to track now. Grounded in what's already live in production, not speculation.

Boat With Umbrellas

Loyalty Intelligence Brief

The new buyer for travel

Travel buying is transitioning from a traditional search-driven user experience to a conversation between a human and artificial intelligence. AI agents now act as buyers, executing travelers' natural-language requests. 

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Roger Williams
Co-authored with Reclaim Protocol

AI agents now act as buyers, executing travelers' natural-language requests such as "book me a long weekend in Cabo under $1,800, aisle seat, ocean view, and use my points if I can get a better deal." 

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These agents can search, compare, negotiate, book, pay, and rebook travel with minimal human input. However, the industry has largely overlooked a key strategic question: how will loyalty member data be shared across third-party channels? This question is critical for travel providers, such as airlines, to deliver a differentiated experience to their best customers.

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Executives should consider clearly defining data ownership policies, evaluating the trade-offs between reach and control, and ensuring that strategic investments in AI-driven channels align with their desired position in the value chain.

Contingent offers powered by instant status match.

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Third-party distribution

AI agents now act as buyers, executing travelers' natural-language requests such as "book me a long weekend in Cabo under $1,800, aisle seat, ocean view, and use my points if I can get a better deal." 

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These agents can search, compare, negotiate, book, pay, and rebook travel with minimal human input. However, the industry has largely overlooked a key strategic question: how will loyalty member data be shared across third-party channels? This question is critical for travel providers, such as airlines, to deliver a differentiated experience to their best customers.

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Executives should consider clearly defining data ownership policies, evaluating the trade-offs between reach and control, and ensuring that strategic investments in AI-driven channels align with their desired position in the value chain.

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There are four main protocols that allow the agentic commerce process to work. These include: MCP (Model Context Protocol), A2A (Agent2Agent), AP2 (Agent Payments Protocol), and Settlement Rails. You can see these protocols at work, supporting a consumer-agent conversation, in our free Agentic Travel Simulator.

 

Google and 20+ partners launched the Universal Commerce Protocol (UCP) in January 2026, with loyalty on its capability roadmap and hotel booking as its first new vertical.

  • How the agent queries live inventory and tools from each merchant.

  • How agents discover and delegate to one another, using published "Agent Cards" in the way a business card describes to another party what you do.

  • This is Google's payment authorization framework which is built on three mandates: Intent (what the customer is searching for), a Cart Mandate (prices locked in by each merchant) and a Payment Mandate (proof a human approved the charge).

  • Tokenized payment credentials via programs such as Visa's Trusted Agent Protocol and Mastercard's Agent Pay. This allows the agent to pay without holding the customer's actual card number.

Direct channel

The direct-channel agent, or AI Concierge, has received less attention. While third-party platforms have dominated the conversation, branded AI concierge solutions such as Maya AI and Via.ai (wearevia.ai) now enable agentic commerce directly on travel providers' websites and digital channels.

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Airlines have not adopted these platforms as extensively as third-party channels. For example, Via.ai, though well-suited as an agentic concierge for airlines, has primarily operated in the third-party retail channel. Notably, Via.ai has powered Issta, Israel's largest travel retailer, for the past 18 months. This deployment is now a documented production sales channel.

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According to Via.ai's 2026 customer case study, Issta's AI sales agent, "Daniel," deployed across WhatsApp and Issta's website, generates $1.7 million in monthly gross booking value (June 2026), a $20.4 million annualized run-rate, across more than 10,000 conversations per month. On Issta's approximately $800 million in annual bookings, Daniel is already a fast-growing, measurable AI sales layer - in Via.ai's words, "not a pilot or a service-deflection layer."

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The Issta deployment is strategically instructive due to its two-flow commercial model, with one AI layer serving two distinct sales engines:

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Flow 1:  the channel that closes itself. For routine demand (flights, point bookings, standard packages), Daniel handles the journey end-to-end: clarifying preferences through natural conversation, presenting options, answering follow-ups, and closing the booking online. While conventional travel websites expect customers to arrive knowing exactly what they want, only to lose them to rigid search filters and abandonment, Daniel lets customers start with uncertainty and converts it.

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The reported results: 5× conversion versus other digital lead sources, +30% average booking size, and roughly $700K per month in self-service sales. As Issta senior executive Tali Noy puts it: "Daniel has become a real commercial channel for us, not just a service layer. Customers ask, clarify, compare, and then book - and that changes the economics of the digital channel."

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Flow 2:  the human team multiplier. For complex, higher-value demand multi-destination trips, cruises, and premium holidays, Daniel does not force customers into self-service. It qualifies the opportunity, captures preferences, budget signals, constraints, and purchase intent, and routes it to the right human specialist with the discovery work already done.

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The economics of this flow are striking: specialists close 13% of Daniel-qualified leads versus a 10% baseline, at an average basket of $11,428 versus $3,125 / 4.75× the sales per lead of other sources generating roughly $1 million per month in specialist-closed sales. "The biggest impact is not that AI replaced people," notes Issta senior executive Nevo Gal. "It is that our specialists receive better-qualified opportunities with clearer customer intent  that allows the team to spend more time closing the right deals."

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The direct approach maintains the provider's brand and customer relationship. To advance adoption, executives should assess organizational readiness for AI-driven interactions, map integration points with existing systems, and identify priority use cases. The Issta model suggests the first decision is not whether to deploy, but which flow to implement first: closing simple demand, qualifying complex demand, or turning every conversation into structured commercial intelligence.

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Airlines are delaying full autonomy in booking not due to technological uncertainty, but because agentic AI conflicts with their legacy infrastructure, risk aversion, and internal silos:

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  • The Legacy Infrastructure Trap: True agentic commerce requires flexible modifications and pricing. However, airlines remain tied to rigid, PSS/PNR-era systems. In these environments, a single AI error regarding fare rules or EU261/DOT liabilities could result in a costly revenue crisis.
     

  • The Low-Stakes Pivot: To avoid transactional liability, carriers are limiting AI to low-risk customer service and discovery roles. This is evident in recent launches such as Malaysia Airlines' Mavis, Delta's Concierge, and Qatar Airways' Sama.
     

  • Organizational Paralysis: Revenue management teams are reluctant to relinquish control of pricing and bundling to autonomous algorithms. Additionally, the "agentic channel" lacks a single corporate owner, resulting in fragmented pilot programs across IT, marketing, and customer care.
     

  • The Strategic Risk: Executives are misinterpreting modest initial consumer demand as a reason to delay action. This is a critical error. Early user behavior is already being used to train third-party AI models. If airlines use AI only for customer service while third-party platforms perfect autonomous booking, they risk losing the customer relationship entirely.
     

The Issta case demonstrates that a travel retailer with simpler infrastructure has already built a $20 million run-rate agentic sales channel, proving the technology is commercially viable. Carriers should deploy branded AI concierges on existing APIs now to capture customer intent before customer habits shift elsewhere.

Convenience is the
new currency

Travel is well-suited for agentic commerce because trip planning is time-consuming and often frustrating for consumers. Travelport research shows travelers now spend over four hours and visit up to 277 webpages before booking, compared to only 38 in 2013, while browsing about 10,000 fare and ancillary options, up from 500 in 2010.

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An agent that reduces this process to a five-minute supervised conversation delivers time savings unmatched by fare sales or app redesigns. This productivity will drive consumer adoption over the next 18 months, regardless of supplier readiness. The main remaining barrier is trust, which Juniper Research identifies as the top adoption challenge. New mandates, agent identity, and dispute-resolution protocols are now addressing this issue.

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According to travel insider sources, about 40% of customers who interact with the AI concierge choose to complete their booking with a human agent. Ori Gal from Via.ai describes this not as a failure of automation, but as a "warm lead generator" model, and the Issta case study now quantifies exactly what that model is worth.

 

The AI gathers destination, budget, dates, travel party, and preferences before handing off a fully qualified lead, and those handed-off leads close at 13% versus a 10% baseline, at 3.7× the average basket - making the human-handoff flow, at roughly $1 million per month, the larger of Issta's two AI-driven revenue engines. The handoff is not the failure mode of agentic commerce; at current trust levels, it is the profit center.

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Industry benchmarks for AI-powered chat or agent handoff in sectors such as banking and e-commerce show similar trust curves, with handoff rates typically ranging from 30% to 50% in the first year of deployment. As trust infrastructure improves through 2026 and 2027, autonomous completion rates are expected to rise. However, the Issta data demonstrates that the warm-lead approach is not just a transitional solution; it is a durable commercial engine.

The opportunity

The opportunity is bigger than travel search. Industry discussions have focused too narrowly on search-and-booking transactions. However, greater opportunities exist, particularly in areas that drive customer loyalty.

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The post-booking revenue opportunity is significant. Since 2025, agentic solutions have enabled post-booking cross-sell through natural-language conversations. AI concierges continue engaging customers after the initial booking to recommend and sell ancillary products such as destination activities, transfers, insurance, dining, and upgrades.

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The concierge approach serves as a continuous ancillary revenue channel for airlines and hotels. Upgrades and experience bundling, without relying on pre-arrival promotional emails, are more likely to convert. For cruise lines, it manages shore excursions, dining reservations, and cabin upgrades through ongoing conversations from booking to embarkation.

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The zero-party data opportunity is the true commercial advantage. The greatest value in agentic concierge commerce comes from zero-party data generated through natural customer conversations, not just bookings or ancillary sales. Via.ai's case study names this explicitly as the deployment's "third value": beyond the two sales flows, every conversation creates structured customer intelligence, destination interest, budget sensitivity, timing, family composition, trip purpose, objections, product gaps, and purchase intent. 

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This compounds into what the case study calls "a real-time demand layer" for the retailer. Notably, Via.ai acknowledges this is "the part of the deployment that the P&L does not yet fully capture": the sales channel delivers measurable impact today, while the data layer improves personalization, merchandising, supplier strategy, and campaign performance over time.

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During these conversations, customers voluntarily convey insights unavailable through web analytics, surveys, or transactional data, such as destination motivations ("I need a beach quieter than Cancún"), budget flexibility ("I'd upgrade if it were under $400"), travel-party constraints, ancillary interests, timing sensitivity, loyalty preferences ("I'd rather use points if I can get above 1.4 cents per point"), and competitive signals ("I saw a cheaper package on a competitor — can you match it?").

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AI concierges capture these signals in real time, including revenue leakage, to identify unmet customer demand, price objections, and areas where competitors gain ground. This level of market research, once available only through costly consumer panels, is now generated continuously from every customer interaction.

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Zero-party data directly enhances loyalty programs by continuously enriching member profiles. This transforms loyalty from a transaction-tracking tool into a true customer intelligence asset. An AI agent instructed to "always match my preferences" requires a rich data profile, which only providers with sustained conversational engagement can build. As a result, zero-party data shifts loyalty programs from cost centers to valuable enterprise data assets.

Omnichannel defense

Agentic commerce needs loyalty for a defensive reason: without it, travel distribution erodes into an endless price war. An anonymous agent shopping 10,000 permutations will simply rank on price.

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A successful loyalty strategy in agentic commerce requires a two-channel approach. On the third-party agent channel, loyalty rules, inventory, pricing, and points engines must be published as machine-readable policies using the emerging protocol stack, including UCP capabilities, NDC offer attributes, and AP2-compatible merchant agents. This ensures external offers are distinct by enabling agents to manage member entitlements and redemption values without human involvement.

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In the direct agent channel, a branded AI concierge on the provider's website, app, WhatsApp, or SMS manages bookings and post-booking conversations, captures zero-party preference data to enrich loyalty profiles, maintains the customer relationship, and generates insights into revenue leakage for future offers.

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These two channels reinforce each other. Zero-party data collected by the provider's concierge enriches member profiles, increasing the likelihood that third-party agents will prefer the supplier when presenting options to customers. By deploying both channels, suppliers can strengthen each, rather than choosing between loyalty and agent channels.

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This member-only intelligence brief presents executives with a market overview, a protocol readiness map, an AI concierge framework, a four-step preparation plan, and a risk framework for action within the next 18 months.

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The four-step preparation plan includes:

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1) Assessing organizational readiness for agentic commerce and identifyingkey opportunities;
 

2) Mapping integration points for AI solutions across existing technology and workflows;
 

3) Piloting agentic commerce initiatives to uncover operational challenges and refine the customer experience; 
 

4) Establishing a cross-functional team to oversee strategy, data ownership, and staff training.
 

These steps offer a clear roadmap for leaders to navigate the transition to agentic commerce and position their organizations for success.
 

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