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61 Million Shoppers Now Start Their Search With AI Assistance

New data shows 61 million consumers use AI for product research, shifting the battleground for merchant visibility and financing offers.

Curated by Financing Your Way from original reporting by PYMNTS. Summary is AI-assisted and editorially reviewed — see our editorial standards.

FYWBy Financing Your Way EditorialOctober 13, 2026

AI is no longer a futuristic concept; it is actively changing how your customers decide what to buy. Over 60 million shoppers are now using AI tools to research products before they ever land on a retail site. For merchants, this means the traditional sales funnel is being bypassed. If your financing options and value propositions aren't visible to these AI models, you may be losing customers before they even know you exist. The research indicates that consumers aren't just looking for product specs; they are looking for the best way to afford them. As AI agents become the new 'gatekeepers' of retail, operators must ensure their financing programs—like BNPL or low-interest promotional offers—are clearly communicated in their online metadata. AI shoppers are looking for convenience and speed. If an AI tool recommends a competitor because it can easily identify their monthly payment options while yours are hidden behind a 'click for details' button, you lose the lead. Retailers need to treat AI platforms as a new tier of search engine optimization where financing clarity is a key ranking factor.

Source: PYMNTS

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