Consumer Trust and Transparency Hold Key to Widespread Autonomous AI Commerce

Autonomous and agentic AI commerce is moving beyond product recommendations to automatically searching for deals, comparing prices and completing transactions. Widespread adoption now hinges on whether consumers are willing to authorize systems to make decisions on their behalf. PYMNTS Intelligence and fintech company FIS say even mature technology will struggle to overcome adoption barriers if merchants fail to provide transparent permissions, explain decisions and give users control.

The organizations' latest joint research says systems that automatically manage offers should clearly disclose the scope of their authorization and allow consumers to modify or revoke permission. That would balance convenience with user control. Available information provides no report publication date, survey sample, percentages or transaction amounts, so no specific dates or key figures can be cited. The research focuses on how trust will directly affect the value merchants derive from AI commerce.