Riskified, in its first quarter 2026 edition of the company’s Agentic Commerce Pulse report, concluded adoption remains strong but consumer trust is lagging, with a widening gap between how shoppers use AI and how much control they are willing to give it.
The consumer survey, which the e-commerce fraud and risk intelligence operation conducted in the United States and the United Kingdom, indicates AI is now firmly embedded in product discovery and decision-making but has been subject to a shift since late last year.
Among the report’s key findings, according to Riskified:
- 61.5% of consumers have used AI tools for product discovery and recommendations.
- 55% are not comfortable with AI agents making purchases on their behalf.
- 46.5% do not trust any company to manage purchases for them.
- 53.9% believe AI could increase the risk of online fraud.
- 73.9% expect strong safeguards such as biometric or one-time password authentication.
- 50.8% believe AI platforms should be responsible for unauthorized purchases.
Although 73% used AI at some point in their shopping journey, Riskified pointed out, as use becomes more mainstream, comfort with deeper AI involvement appears to be declining. Seven in 10 consumers in the fourth quarter of 2025 survey were at least somewhat comfortable with AI agents making purchases on their behalf. However in the first-quarter survey, as noted above, 55% said they are not comfortable allowing AI agents to complete transactions on their behalf.
When asked about their agentic commerce platform of choice, 31.2% of survey respondents picked third-party AI tools such as ChatGPT or Gemini, while 27% preferred retailer websites or apps. Notably, 24.4% responded in the negative as regards agentic AI platforms, which Riskified concluded is evidence of a fragmented and still-evolving landscape where consumers continue to experiment with how AI fits into their shopping.
Considerations expressed about online fraud and insistence on online safeguards suggest consumer concerns have evolved from general unease around payment security and privacy into more defined expectations around fraud prevention, authentication and transaction security.
“Consumers are clearly embracing AI as a shopping assistant, but they’re drawing a firm line when it comes to autonomy and accountability,” said Jeff Otto, Riskified chief marketing officer. “What we’re seeing is a widening gap between adoption and trust. Shoppers want the convenience and personalization AI can deliver, but they’re not yet willing to hand over control or responsibility. For merchants, that means going beyond enabling AI-driven experiences by building the infrastructure for transparency, security and accountability that makes those experiences trustworthy.”
