Curated coverage· general

Consumers Want AI to Shop With Them, Not for Them

New research shows consumers want AI to help them find and finance products, but they still want total control over the final buy button.

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 EditorialJune 19, 2026

Artificial intelligence is changing how your customers find products, but they aren't ready to let robots take over the checkout process entirely. Recent data shows a clear divide in how shoppers want to interact with AI. They value tools that help them compare prices, find better deals, and understand financing options. However, they are hesitant to let autonomous agents make final purchasing decisions for them. For retailers, this means AI should be used as a high-powered digital assistant rather than a replacement for the customer's choice. This trend is particularly important for high-ticket items that require financing. Customers want AI to help them calculate monthly payments or compare the long-term costs of a lease-to-own plan versus a traditional loan. They are looking for clarity and transparency during the decision-making phase. If you are integrating AI into your sales funnel, focus on features that empower the shopper to feel smarter and more in control. Avoid 'black box' AI that completes transactions without explicit user confirmation, as this can lead to cart abandonment and trust issues. The goal is to reduce friction in the research phase while keeping the customer firmly in the driver's seat at the finish line.

Source: PYMNTS

Who else is covering this

Related coverage from across the industry

← Return to the library· Submit a correction