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.

Fintechs, big tech, and payment players are using genAI to redefine finance. To compete, banks must pair strategic genAI investment with hyper-personalization and human support to earn customer trust and loyalty.

Klarna and Splitit are pursuing AI initiatives to keep their products top-of-mind for consumers, per press releases. Klarna partnered with Google Cloud to power AI-backed hyperpersonalized marketing campaigns. Splitit debuted its Agentic Commerce Partner Program, bringing card-linked buy now, pay later (BNPL) plans to agent-powered shopping. Replacing human created art with AI generated images is a risky play for marketing, but Splitit’s BNPL angle with agentic commerce may help it establish a foothold in the installment plan arena, especially when tied to shoppers’ preferred cards that they trust and earn rewards.

As Google’s Chrome and DuckDuckGo integrate AI tools into their browsers, Perplexity has launched its own, built with agentic AI capabilities from the ground up—Comet. When perusing products, Comet can take complex natural-language requests and surf review sites, listicles, and news articles to find top options. For users looking for an AI-first experience, Comet is a promising entry that blends active assistance with traditional web functions. However, given Perplexity’s recent scaleback on advertiser initiatives, AI search may not be the next frontier for ad formats. Continuing investments in traditional search options like Google Search is crucial to ensuring visibility.

Salesforce’s launch of Agentforce 360 is a sign that agentic AI is moving into the marketing stack, signaling that automation is becoming a core capability rather than a future experiment. Agentforce can help CMOs decide how far to push agentic AI across their marketing stack. To move from experimentation to deployment, CMOs should start with focused pilots in high-volume touchpoints like chat or email with clear success metrics, such as resolution time or customer satisfaction.

Commercetools has debuted Cora, an AI shopping assistant that enables conversational commerce directly on retailers’ sites. Available in preview, Cora interprets natural language queries (e.g., “a red dress under $150”) and maintains context across devices, guiding users through search, filtering, and checkout. Unlike static chat widgets or keyword search, Cora reduces friction in the path to purchase by making AI a functional part of the shopping journey. The white-label model helps brands retain control and identity while tapping into Commercetools’ infrastructure—positioning Cora as both a conversion tool and a brand-safe alternative to third-party discovery engines.

AI shopping assistants are boosting discovery and personalization, but trust issues and fulfillment challenges could limit their impact on channel migration.

Gen Zers and millennials will lead the charge in shopping with AI agents, but not without guardrails. Nearly half of Gen Zers (47%) and millennials (48%) say they are at least somewhat likely to let AI agents buy things for them, per a YouGov survey. Among likely AI agent adopters, 53% would require approval before letting AI buy anything under $100. For brands, deploying responsible AI agents is key. That means constantly monitoring customer-facing products for hallucinations, keeping humans in the loop to establish accountability and accuracy, and ensuring customers are getting the experiences they want.

Now that most financial institutions (FIs) have deployed or piloted genAI, some recurring lessons have emerged. Implementing these lessons learned can help FIs prevent massive losses from failed pilots. Governance helps set expectations, parameters, and metrics before the bulk of the money is spent—helping prevent project failure and disappointment. 79% would prioritize governance if starting AI implementation over. Seventy-one percent of respondents would have engaged stakeholders earlier, involving them in planning meetings. This would help FIs ensure alignment and reduce delays that could arise from misunderstandings and disagreements partway through.\

Shoppers are using AI tools at a high rate but are split on brands’ use of AI-generated content and whether companies are delivering on customer experience promises. Half (52%) of consumers are excited by the idea of having an AI agent shop on their behalf, per VML. Nearly two-thirds (63%) say AI-powered personalization helps them discover new products, but 45% think brands are still failing to tailor recommendations effectively. Brands can keep shoppers engaged by demonstrating AI’s value in tangible ways—like smarter recommendations and smoother checkout—rather than relying on broad claims of AI integration.

Marketplaces have been driving US ecommerce growth. But established players face a shake-up from new entrants and advances in AI and agentic commerce.

Google and PayPal ink multiyear partnership for commerce solution with a focus on agentic AI, per a press release. Google and PayPal’s surprising partnership reflects the ongoing scramble to secure the best positioning in the Wild West of AI development. All players want to have an early mover advantage; that can incentivize unlikely partnerships to avoid falling behind rapidly evolving technology.

As AI fundamentally changes how consumers find products and services, experts continue to explore what marketers must do to adapt. "The most surprising thing, the most pressing thing about AI adoption isn't just that people are starting to use it. It's that they're trusting it, it's that they're using it within their shopping journeys," said EMARKETER analyst Nate Elliott during last week's Future of Digital Summit.

Amazon Ads has unveiled an agentic AI tool inside Creative Studio, designed to serve as a real-time creative partner for advertisers. Through a conversational interface, brands can brainstorm, storyboard, and generate professional-quality video and display ads in hours instead of weeks—at no extra cost. Powered by AWS models like Amazon Nova and Anthropic Claude, the system combines retail insights with automation to democratize high-quality ad creation once limited to big-budget brands. Early testers, including Nestlé Health Science, praised its ability to surface new insights and scale campaigns, underscoring how platforms like Amazon, Meta, and Google are redefining advertising.

The $106 trillion Great Wealth Transfer is creating new investors who bypass legacy advisors and favor digital tools and alternative assets. To stay competitive, banks must innovate—or risk ceding the future of wealth to nimbler fintechs and robo-advisors.

Leaders in fintech gathered at Finovate Fall in New York City to discuss emerging trends facing the industry. The payments industry is experiencing multiple points of disruption with agentic AI, new modalities of payments, and regulatory changes all placing pressure on ecosystem participants. Players who understand how to leverage their value during this transition period will cement their relevancy in the coming years.

AI is rewriting the rules of digital media, advertising, and commerce at breakneck speed. Here’s what players in the digital realm can do to stay relevant.

OpenAI revised its projected cash burn through 2029 to $115 billion—about 230% higher than earlier estimates. This alteration demonstrates how capital-intensive model training and deployment have become and how far those costs are beyond what traditional startup economics can sustain. These financial forecasts illustrate a ballooning cash burn matched by surging investments and rising revenue expectations. OpenAI might need to explore tactics like affiliate links or in-chat advertising for monetization and added incentives and premium features to convert free users into paying ones.

The news: Citi Wealth has launched AI-driven tools for employees aimed at improving client communication, per a press release. Our take: AI platforms will deliver the greatest impact when banks shift them from passive information repositories to active drivers of business growth. This will require integrating the tools with other systems. For example, an AI assistant could automatically draft personalized client emails in response to a market event identified by Advisor Insights. A human advisor could then review and send the emails. This level of integration would increase the speed of personalized outreach, giving banks a competitive edge in maintaining and growing client relationships.