New Research Finds 61% of U.S. Consumers Welcome AI-Assisted Pay Later Recommendations, But on Their Terms

New Research Finds 61% of U.S. Consumers Welcome AI-Assisted Pay Later Recommendations, But on Their Terms

PR Newswire

ATLANTA, July 6, 2026

PYMNTS Intelligence report, produced in collaboration with Splitit, reveals that consumers want AI-assisted Pay Later experiences that preserve control, protect credit scores, and work with the credit they already haveThe report also finds that more than one in three consumers used card-linked installments in the past three months, compared with one in eight who used BNPLATLANTA, July 6, 2026 /PRNewswire/ -- Splitit, the global leader in card-linked installment payments, today released findings from new PYMNTS Intelligence research on how artificial intelligence is shaping Pay Later decisions at checkout and across emerging commerce channels. "The Pay Later Ecosystem Report: Consumers Will Let AI Recommend Pay Later, But They Want Control," produced in collaboration with Splitit, finds that 61% of the 2,034 U.S. consumers surveyed would allow an AI shopping assistant to recommend a Pay Later option for at least one common purchase category. Among Gen Z, that number climbs to 80%. That openness comes with clear conditions: consumers want control, transparency, and the final say.