How 23% of Merchants Captured Retail’s Next Agentic Commerce Advantage

Artificial intelligence is changing how customers find products and decide how to pay for them. A new report shows that AI 'agents'—automated software that shops on behalf of consumers—are starting to drive significant retail traffic. However, only 23% of merchants are currently able to track these AI-driven sales. For retailers, this means the traditional checkout process is evolving. AI agents aren't just looking for the best price; they are programmed to find the best payment terms, including the most favorable financing and BNPL options. If your website cannot communicate its financing terms to these AI bots, you risk being filtered out before a human ever sees your offer. Most merchants currently lack the technical setup to recognize when a bot is navigating their store. This creates a data gap that makes it hard to see which financing promotions are actually converting. As 'agentic commerce' grows, the winner won't just be the shop with the best product, but the one that makes its payment and credit options easily readable for AI tools. You need to ensure your financing stack is integrated into your digital metadata so these agents can choose your store for the customer.

Source: PYMNTS

← Return to the library· Submit a correction