61% of Consumers Would Consider AI-Recommended Financing
Artificial intelligence may win a place at the Pay Later checkout by recommending the financing, then letting the shopper make the final call. New PYMNTS Intelligence data shows 61% of U.S. consumers would consider an AI shopping assistant’s Pay Later recommendation for at least one common purchase category. The June 2026 edition of The Pay Later […] The post 61% of Consumers Would Consider…
A recent survey reveals that a majority of U.S. consumers, 61%, would consider AI's recommendation for Pay Later financing on common purchases, according to new PYMNTS Intelligence data. Conducted in June 2026, the survey of 2,034 American adults indicates that 39% have already utilized AI for payment-related tasks in the past three months.
While Gen Z leads in openness to AI-recommended Pay Later options, with 80% showing interest, consumers across all generations express a desire for control: 24% would only accept AI recommendations if they could choose the most affordable option, and 24% would insist on approval before finalizing a plan. Other key factors that matter to consumers include avoiding new credit applications and setting a maximum purchase limit.
The report suggests that AI can facilitate easier comparison of Pay Later options while still respecting consumer control, offering an opportunity for providers to broaden their market beyond a youth-focused service.
Written by urgent.news from PYMNTS's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
