Visa survey finds a trust gap around AI-managed payments
Only 23 percent of US consumers surveyed said they trust generative AI to handle payments, underscoring the challenge facing agentic commerce.
The story
Visa’s latest Trust Index found that 23 percent of surveyed US consumers trust generative AI to handle payments. The result arrives as technology companies develop agents that can search, compare and buy on a user’s behalf.
Payment automation concentrates several forms of trust in one decision: the model must understand intent, stay within a budget, protect credentials and make its actions easy to review or reverse.
Adoption is likely to depend on explicit spending limits, transaction previews, strong dispute processes and recognizable guarantees from banks, networks and merchants.
INNOVOX analysis
Payment automation concentrates several forms of trust in one decision: the model must understand intent, stay within a budget, protect credentials and make its actions easy to review or reverse.
What to watch
Adoption is likely to depend on explicit spending limits, transaction previews, strong dispute processes and recognizable guarantees from banks, networks and merchants.