Newsletter sign-up
Does my company subscribe?
Contact Sales:1-800-405-0844
EMARKETER
Log in
Become a ClientGet a DemoPricing
ArticlesPricing

Products

See All Solutions →
By ProductEMARKETER PRO+Analyst Access Program
By Use CaseDetermine Market SizingDevelop StrategiesAllocate BudgetBenchmark PerformanceWin New BusinessDevelop Go-to-Market StrategyStay InformedThought LeadershipSee All Use Cases →
Advertising & Sponsorship
Boost your brand and generate demand with media programs.
Learn More →

Events & Resources

Learning Center
Read through guides, explore resource hubs, and sample our coverage.
Learn More →
Events
Register for an upcoming webinar and track which industry events our analysts attend.
Learn More →
Podcasts
Listen to our podcast, Behind the Numbers for the latest news and insights.
Learn More →

Topics

See All Topics →
Advertising & MarketingSocial MediaContent MarketingEmail MarketingVideoBrowse All →
Ecommerce & RetailEcommerce SalesMcommerceRetail SalesSocial CommerceBrowse All →
Financial ServicesBankingPaymentsFintechWealth ManagementBrowse All →
GeographiesAsia-PacificCentral & Eastern EuropeLatin AmericaMiddle East & AfricaNorth AmericaWestern Europe
HealthValue-Based CareDigital TherapeuticsTelehealthOnline PharmacyBrowse All →
TechnologyConnected Devices5GArtificial Intelligence (AI)Browse All →
More IndustriesReal EstateCustomer ExperienceB2BTravelSmall Business (SMB)Browse All →

Latest Articles

Explore our Research →

The big answers: EMARKETER Daily quiz

Article |
 Feb 6, 2026

Brands are cramming more celebrities into their Super Bowl spots

Article |
 Feb 6, 2026

What gives a Super Bowl ad shelf life in 2026

Article |
 Feb 6, 2026

From pre-game to after party: How brands can win Super Bowl weekend

Article |
 Feb 6, 2026

Experian to buy OwnUp to bulk up its shopping platform for financial products

Article |
 Feb 6, 2026

Bolt adds stock and ETF investing but is a far cry from PayPal’s scope

Article |
 Feb 6, 2026

Santander plans to acquire Webster Bank for $12.2 billion

Article |
 Feb 6, 2026

FAQ on millennials: How brands can reach this generation in 2026

Article |
 Feb 6, 2026

EU regulators target TikTok’s ‘addictive’ design, threatening changes to core engagement features

Article |
 Feb 6, 2026

Consumers distrust top search results, complicating visibility

Article |
 Feb 6, 2026
Browse All →

About

Our Story
Learn more about our mission and how EMARKETER came to be.
Learn More →
Our Clients
Key decision-makers share why they find EMARKETER so critical.
Learn More →
Our People
Take a look into our corporate culture and view our open roles.
Join the Team →
Our Methodology
Rigorous proprietary data vetting strips biases and produces superior insights.
Learn More →
Newsroom
See our latest press releases, news articles or download our press kit.
Learn More →
Contact Us
Speak to a member of our team to learn more about EMARKETER.
Contact Us →
EMARKETER

AI in the Payments Customer Life Cycle 2026

How AI Is Reshaping the Ways Consumers Discover and Engage With Payment Providers

Report by Grace Broadbent  |  Nov 4, 2025
Download
Report
Share
Table of Contents
Executive Summary
AI will reinvent payment providers’ relationships with customers
Generative engines are disrupting discovery for payment products and services
AI promises personalization at scale, but most FIs lack the necessary data foundation
AI can personalize and automate retail checkout, but it will happen in two stages
AI chatbots still need human backup to build trust
Recommendations for payment providers
EMARKETER Interviews
Sources
Media Gallery
About This Report
AI is reshaping how payment providers attract, serve, and retain customers. Those who act now to integrate AI across the life cycle—from discovery to checkout to support—will gain an edge, while those who wait risk losing loyalty and control.
Topics
Financial Services
Payments
United States
Table of Contents
Executive Summary
AI will reinvent payment providers’ relationships with customers
Generative engines are disrupting discovery for payment products and services
AI promises personalization at scale, but most FIs lack the necessary data foundation
AI can personalize and automate retail checkout, but it will happen in two stages
AI chatbots still need human backup to build trust
Recommendations for payment providers
EMARKETER Interviews
Sources
Media Gallery

AI is reshaping how consumers discover, communicate, and interact with payment products and services. But most providers are unprepared for the shift. Those that invest early in chatbots, checkout personalization, and hybrid AI-human support will strengthen retention and trust as competition intensifies.

Key Question: How will AI transform the payments customer life cycle, and how should payment providers respond?

Key Stat: Only 25.0% of financial services professionals cited AI and predictive analytics as an area they’re investing in to improve customer retention, per our April 2025 survey in partnership with MoEngage.

Only 1 in 4 Financial Service Professionals Are Prioritizing AI Investments
E-Mail ChartDownload

authors

Grace Broadbent

Contributors

Nate Elliott
Principal Analyst, GenAi in Advertising
Donte Gibson
Senior Charts Editor
Chris Keating
Madan Kumar
Copy Editor
Tiffani Montez
Matt Torpey
Senior Chart Editor
Emman Velasco
Chart Editor
Julia Woolever
Already have a subscription?Sign In

Access All Charts and Data

Gain access to reliable data presented in clear and intelligible displays for quick understanding and decision making on the most important topics related to your industry

Become a Client
Unlock Unlimited Insights with PRO+
EMARKETER

Geographies

EMARKETER

Media Services

Free Content

Contact Us →

Worldwide HQ

One Liberty Plaza9th FloorNew York, NY 100061-800-405-0844

Sales Inquiries

1-800-405-0844sales@emarketer.com

* Copyright © 2026 
EMARKETER Inc. All Rights Reserved.