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90% of retailers are using AI. Far fewer are ready to run it at scale

While most retailers experiment with AI, the real winners are using it at the store level to streamline operations and enhance the checkout process.

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

FYWBy Financing Your Way EditorialJune 15, 2026

Artificial Intelligence is no longer just a trend for big-box retailers. High-growth merchants are moving past basic chatbots to use AI for high-impact store operations. However, while 90% of retailers have started using the tech, most struggle to scale it effectively. For your business, this means a shift in how you manage the customer journey, including the point of sale. Real-time data processing is becoming the new standard for closing deals and managing inventories. Effective AI implementation allows you to personalize financing offers at the exact moment a customer is ready to buy. It goes beyond simple automation. It involves using predictive tools to understand which customers are likely to qualify for specific lending tiers. This reduces friction at the register and improves conversion rates. The challenge is 'edge computing'—having the hardware and software in your local store to handle these tasks without relying on slow central servers. Retailers who solve this will provide a faster, more seamless checkout experience than competitors still using legacy systems. If you want to scale, focus on store-level execution rather than just high-level corporate software.

Source: Retail Dive

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