Half of US shoppers now use AI to shop, but 95% balk at handing it the credit card
PYMNTS Intelligence finds 50%+ of US consumers lean on AI when buying and 44% trust it to pick gifts, yet 95% flag concerns and 1 in 5 have been scammed. Google, Visa, Stripe, Mastercard and Amex are racing to wire fraud safeguards into agentic commerce protocols before trust breaks.
PYMNTS Agentic AI Report finds over half of US consumers use AI when shopping and nearly half would let it buy groceries, but 95% have concerns. Google, Visa, Stripe, Mastercard and Amex race to build agentic commerce protocols with fraud safeguards.
Why this matters
PYMNTS Intelligence quantifies the trust gap as agentic commerce scales: adoption is mainstream, but payment authorization remains the friction point networks must solve before AI shopping breaks consumer trust.
Omni-channel steady at 49 signals in 90d, with agentic commerce emerging as the next trust frontier.