THE TRAVEL AGENT IS BECOMING AN AI AGENT.
AI is moving from answering travel questions to potentially managing entire pieces of the travel process.
Mastercard’s 2026 research found that 85% of T&E decision-makers expect AI to manage most travel and expense decisions with minimal human oversight within five years.
But there’s a catch.
78% say AI won’t deliver its full value until travel, payments, expense, and financial systems are connected.
That means the future isn't simply about having a smarter chatbot.
It’s about connecting the entire journey:
- Flights
- Hotels
- Ground transportation
- Payments
- Expenses
The interesting question isn't whether AI will change business travel.
It's how connected the system behind it will become.
Source: Mastercard, 2026 T&E Decision-Maker Study.
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