Analysis
For purchases below $50, 47% would let AI suggest options for approval and 34% would let it act on preferences; 46% would not use AI for purchases of $5,000 or more. Analysis: approval thresholds, dispute handling and understandable permissions are practical design questions for agentic payments.
What remains uncertain
This is company-sponsored survey evidence about attitudes, with eight executive interviews; it is not measured adoption, proven fraud reduction or a September change in household behavior.