AI Shopping Agents Reshape Retail by 2026—But Trust Lags Behind

A new report by Checkout.com explores the rise of AI-driven shopping. Titled Agentic Commerce 2026: The State of Consumer Demand and Merchant Readiness, it reveals how both shoppers and businesses are adapting to automated purchases. The findings highlight a growing but cautious acceptance of AI agents handling transactions. Currently, only 3% of transactions involve AI shopping agents. Yet, 89% of merchants are already preparing for this shift. Many believe consumers will adopt the technology faster than expected, with 72% of businesses anticipating rapid uptake.

Consumer trust remains mixed. While 24% say they will never let AI make purchases for them, others are more open. On average, shoppers would allow an AI agent to spend up to £177 without further approval. The most common delegated purchases would be groceries (41%) and household supplies (31%).

Safety and control are key concerns. The top requirements for consumer confidence are spending limits (30%), the ability to instantly revoke permissions (29%), and easy cancellation (28%). Additionally, 27% of consumers do not trust any organisation to manage an AI shopping agent responsibly.

The report also suggests agentic commerce could change brand loyalty. Over half of consumers (57%) would switch brands if an AI agent found better value elsewhere. Within a year, 33% expect at least 10% of their purchases to be AI-driven. The study shows a clear divide between merchant readiness and consumer hesitation. Businesses are investing heavily in agentic commerce, while shoppers demand strict controls and transparency. As adoption grows, spending habits and brand allegiances may shift significantly.