Majority of U.S. Consumers Open to AI-Recommended Pay Later Options but Demand Control

A recent survey reveals that 61% of U.S. consumers would allow AI to suggest Pay Later financing, especially younger generations, though they insist on retaining final approval.

Editorial Team · Jun 17, 2026 · 2 min read · Source: pymnts.com

Artificial intelligence is increasingly influencing how consumers select Pay Later payment options, with over 60% of Americans expressing willingness to rely on AI recommendations for financing their purchases. This trend is particularly pronounced among younger shoppers, where around 80% of Generation Z and 78% of millennials show openness to AI-assisted choices at checkout.

The data stems from a survey of more than 2,000 U.S. adults conducted in early 2026, which found that nearly four in ten consumers have already used AI in payment-related activities, such as budgeting, credit monitoring, payment method selection, or comparing Buy Now, Pay Later (BNPL) offers. This growing familiarity positions AI as a potentially transformative tool for banks, merchants, card issuers, and Pay Later providers seeking to enhance customer experience.

Consumers demonstrate particular interest in AI guidance when purchasing electronics, furniture, apparel, travel services, and everyday essentials. However, their acceptance hinges on maintaining transparency and control throughout the process. Most want AI tools to help them identify the lowest overall costs, minimize monthly payments, avoid credit score damage, and leverage existing cards or banking relationships. Crucially, they demand the ability to review and approve the suggested options rather than leaving decisions solely to automated systems.

The report highlights that younger generations lead in using AI to evaluate financing plans, surpassing influences like income level or financial stress. Furthermore, interest in AI-driven Pay Later solutions extends beyond big-ticket items to include everyday essentials, medical bills, home repair, and auto expenses, indicating broad applicability.

The future success of AI tools in payment assistance likely depends on integrating transparency, clear cost comparisons, and accessible human support. This approach could build trust and encourage wider adoption by ensuring shoppers understand recommendations fully before committing to any plan.