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“In an era when artificial intelligence (AI) agents execute payments and transactions on their own, the moment financial institutions lose their final say and control, they can face an unprecedented financial security crisis.”

Ian Rogers, chief human agency officer (CHAO), AI security officer at Ledger, a digital asset wallet and security company, recently met with Mail Business at the Point Zero Forum (PZF) 2026 in Zurich, Switzerland, predicted that as the AI agent economy develops, the issue of losing human AI control will become the most important topic.

In the past, he led music businesses at Apple Music and Yahoo and led digital innovation as the chief digital officer of global luxury group LVMH. After joining Leisure as Chief Experience Officer (CXO) in 2020, he was appointed as the industry’s first CHAO in April this year. Ledger, who appointed Rogers as CHAO, is the world’s largest hardware security company, managing more than 20% of the total market capitalization of its digital assets. So far, more than 8 million security hardware devices have been sold in 165 countries. In the future economy, where all companies will have AI agents per employee, Rogers CHAO’s first emphasis is on “human agency.” “The future role of human workers will be tailored to coordinate numerous AI agents,” he said. “Even if AI handles intermediate-level practical work, verification and approval of the start and end (end-to-end) of the work must be under human control.”

[Reporter Ahn Gap-sung]

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Agent

CHAO

Hardware

Ledger

Chief Human Agent

Human

AI Payment Revolution

Private

Agency

CBDC

Financial Crisis

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