Consumer trust in agentic payments continues to lag

AI tools are becoming a staple in how your customers shop, but they aren't ready to let robots hold the credit card just yet. Recent Visa research shows that while shoppers use AI for product discovery and price comparisons, only 23% of U.S. consumers trust 'agentic payments'—where an AI handles the actual transaction. For retailers and operators, this means the 'buy' button still needs a human touch. Your customers are comfortable with AI helping them find the right furniture or the best tire deal, but they want to be the ones to authorize the financing or swipe the card. This trust gap is even wider for older demographics, though younger shoppers are slightly more open to the idea. The hesitation stems from fears about security and a lack of control over final costs. If you are integrating AI into your sales process, use it for education and qualifying leads for financing. Don't rush to automate the final payment or loan application signature, as that could cause friction and cart abandonment. The current sweet spot for AI in your business is at the top of the funnel—helping customers understand their monthly payment options—rather than at the bottom of the funnel executing the checkout.

Source: Finextra — Lending

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