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…
The PYMNTS Intelligence data reveals that 61% of U.S. consumers would consider an AI shopping assistant's Pay Later recommendation for at least one common purchase category, with Gen Z leading at 80% openness. The June 2026 edition of The Pay Later Ecosystem Report highlights that while 39% of surveyed consumers have used AI for payment-related activities in the past three months, interest extends beyond younger demographics, with Gen X (60%) and Millennials (78%) also expressing significant willingness.
Key factors influencing consumer acceptance include affordability, credit protection, and control over the final decision, with 24% prioritizing the most affordable option and 28% valuing approval before purchase. The report suggests that AI can streamline Pay Later choices while respecting consumer agency, positioning the Pay Later ecosystem for wider adoption.
Brief written by urgent.news from PYMNTS's own syndicated text. Machine-written — may contain errors; check the original before relying on it.
