# Ujwal Chaudhari

**Lead Product Manager — Visa · AI Agents & Agentic Commerce**

A decade inside the infrastructure behind money.

At **EY**, I built fintech frameworks that touched 1B+ people and 10M+ businesses. At **Atlan**, I crossed into tech — a data-infrastructure startup where I learned to ship fast alongside engineers. Now at **Visa**, I lead AI Agents and Agentic Commerce.

The thread: payments are getting smarter, and agents are about to run them.

## Now

Shipping agent-initiated payments at Visa. Writing about what a decade inside payments infrastructure taught me about where agentic commerce is heading. Building small tools to test the ideas.

## Writing

- **[Ads won't save Consumer AI, Agentic commerce will.](https://unujwal.substack.com/p/ads-wont-save-consumer-ai-agentic)** — Essay (2026)
- **[The Infrastructure Problem of Agentic Commerce — Ownership? 404](https://unujwal.substack.com/p/the-infrastructure-problem-of-agentic)** — Essay (2026). Part 4 of a 4-part series on Answer Engine Optimization for commerce.
- **[The Curation Problem — Some Products Should Never See an Agent](https://open.substack.com/pub/unujwal/p/the-curation-problem-some-products)** — Essay (2026)
- **[The Evaluation Problem — Weighted Composite Scoring](https://substack.com/@unujwal/note/p-186822761)** — Note (2026)
- **[The Future of Credit Card Rewards](https://unujwal.substack.com/p/the-future-of-credit-card-rewards)** — Essay (Jan 2025). An analysis of evolving credit-card reward systems.

## Projects

- **[Is It Worth It?](https://worthit.unujwal.com/)** — A tool to help evaluate whether your big purchases are worth it.
- **[Stripe Pricing Calculator](https://stripepricingcalc.unujwal.com/)** — Calculate and compare Stripe pricing options across plans and volumes.
- **[ShopCC](https://shopcc.club/)** — A creator commerce agent for influencers, turning content into shoppable, agent-driven storefronts.

## Experience

- **Visa** — Lead Product Manager, AI Agents & Agentic Commerce. 1B+ cardholders · 10M+ merchants. (2022 — Now)
- **Atlan** — Product Manager. Left enterprise for a Series B data-infrastructure startup. Shipped alongside engineers. (2019 — 2020)
- **EY** — Fintech frameworks for 1B+ people and 10M+ businesses. (2016 — 2018)

## Connect

- Substack: <https://substack.com/@unujwal>
- LinkedIn: <https://www.linkedin.com/in/unujwal>

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