The Pay Later Ecosystem Report: Consumers Will Let AI Recommend Pay Later, But They Want Control

61% of Consumers Would Let AI Pick Pay Later Options

The Pay Later Ecosystem Report: Consumers Will Let AI Recommend Pay Later, But They Want Control

For “The Pay Later Ecosystem Report: Consumers Will Let AI Recommend Pay Later, But They Want Control,” a PYMNTS Intelligence report created in collaboration with Splitit, PYMNTS surveyed 2,034 U.S. consumers to see how AI shapes Pay Later decisions at checkout. The data shows that shoppers are open to AI recommendations, but only when credit protection, cost and control stay firmly in their hands.

Inside the June Report

  • Gen Z and millennials lead the adoption of AI to manage payments, especially for budgeting, credit monitoring and comparing Pay Later options.
  • More than six in 10 consumers would consider letting AI recommend Pay Later options, but they want clear limits before any plan is finalized.
  • Shoppers want AI to find affordable options, avoid harming credit scores and use familiar payment relationships when possible.

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    The Pay Later Ecosystem