Mastercard predicts that over the next four years one-in-ten will use AI agents for online shopping

Mastercard’s latest report signals a massive shift in how your customers will browse and pay. By 2030, about 10% of online shoppers will use AI agents to handle their transactions. These agents aren't just chatbots. They are digital assistants that can research products and execute payments on behalf of the consumer. For retailers, this means the person making the purchase decision might not be a person at all, but an algorithm programmed to find the best value and payment terms. This technology will fundamentally change the checkout flow. AI agents will be looking for the path of least resistance and the best financial incentives. If your financing options like BNPL or revolving credit aren't easily readable by these AI tools, you risk being skipped over in favor of a competitor. Retailers need to ensure their promotional financing offers are transparent and digitally accessible. The goal is to make your credit programs the 'default' choice for these automated shoppers. As we move toward 2030, the merchant-customer relationship will increasingly be mediated by these agents, making frictionless payment integration more critical than ever.

Source: Finextra — Lending

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