以下文章来源于硬AI ，作者专注科技产研的 硬AI . AI时代，快人一步~ 来源 | 硬AI Visa全球市场集团总裁Oliver Jenkyn预计，随着支付巨头与人工智能企业的合作加速， 2026年"AI辅助购物"全面进入主流视野。 "到了2026年，AI支持的购物方式将全面普及。无论是在ChatGPT还是其他平台，智能助手将深度介入并协助我的购物决策。" 他还表示，从"AI辅助决策"进化到更高级的"代理式商务"（Agentic Commerce）——即由AI机器人全权代理完成支付和购买——尚需时 日。 目前的阻碍并非技术，而是消费者的心理惯性。Jenkyn分析称，大多数用户在接受AI的建议后，仍倾向于保留最终支付的控制权，"许多人 还是会点击链接，按传统方式亲自完成交易。" 因此，代理式商务的落地将呈现分层渗透的特征： 洗衣液、咖啡伴侣等标准化、高频次的日常必需品订单 ，预计将率先突破信任壁垒，由AI 代理自动完成。 全 球 支 付 巨 头 加 速 卡 位 面对这一即将到来的范式转移，全球支付巨头正加速卡位，试图在消费者转向聊天机器人这一新流量入口时占据身位。 Jenkyn透露，Visa目前正与行业内所 ...

Core Insights - The president of Visa's global market group, Oliver Jenkyn, anticipates that "AI-assisted shopping" will become mainstream by 2026 as collaborations between payment giants and AI companies accelerate [1][2] - Jenkyn highlights that while chatbot-based shopping features will be launched in 2025, the real turning point will occur next year, making interactive shopping through platforms like ChatGPT a common practice for consumers [2] - The transition from "AI-assisted decision-making" to a more advanced "Agentic Commerce," where AI robots fully handle payments and purchases, will take time due to consumer psychological inertia [2] Industry Trends - Global payment giants are rapidly positioning themselves to capitalize on the upcoming paradigm shift as consumers turn to chatbots for shopping [3] - Visa is currently in discussions with all major industry players, while Mastercard has partnered with Microsoft, and PayPal has signed an agreement with OpenAI to integrate its digital wallet into OpenAI's chatbot [3]

Core Insights - The article discusses the anticipated explosive growth of AI-driven shopping during the 2025 fall and winter shopping season, with major e-commerce platforms expecting significant sales increases due to AI integration [1][3][4]. Group 1: AI Integration in E-commerce - Alibaba's Taobao and Tmall launched several AI shopping applications, including "AI万能搜" and "AI帮我挑," which enhance product understanding and improve traffic matching efficiency, leading to double-digit growth [1]. - Adobe Analytics predicts a 520% year-over-year increase in shopping traffic driven by AI in the U.S. during the 2025 shopping season, with peak traffic expected in the ten days leading up to Thanksgiving [3]. - OpenAI's introduction of the Operator agent in early 2025 laid the groundwork for AI-assisted shopping, allowing users to complete complex e-commerce tasks through natural language commands [4]. Group 2: Payment and Automation - Major financial institutions like Mastercard and Visa have entered the AI shopping space, developing AI agents for personal shopping and payment, thus filling the gap in the payment process for AI shopping [6]. - The launch of "AI付" by Alipay and the integration of AI shopping features in platforms like Google Chrome signify a move towards full automation from product selection to payment [6][8]. - Walmart's adoption of OpenAI's "instant checkout" system allows users to shop directly through ChatGPT, streamlining the shopping experience [8]. Group 3: Impact on Consumer Experience - AI shopping will significantly enhance the consumer experience by reducing decision-making time and eliminating distractions from advertisements, thus addressing common shopping dilemmas [13]. - The AI shopping model will transform seller marketing strategies, requiring sellers to align their data with AI decision-making parameters to attract AI-driven customers [13]. Group 4: Financial Opportunities and Challenges - Financial institutions are keen on AI shopping as it could lead to increased liquidity of consumer funds and credit, allowing for more efficient payment processes [14][15]. - The integration of AI in shopping raises questions about responsibility in after-sales disputes, particularly when AI makes purchasing decisions on behalf of consumers [18][22].