Splitit Discusses AI Agent Recommendations for Buy Now, Pay Later
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AI-assisted source synthesis · not an independent investigation.
On October 9, 2026, Splitit CEO Nandan Sheth said that for an AI agent to determine whether a consumer should choose Pay Later, it would need to consider the consumer’s complete financial information, including cash flow, existing debt, and the total cost of borrowing. Research jointly conducted by Splitit and PYMNTS Intelligence showed that 61% of consumers are willing to accept credit or Pay Later recommendations from AI, but only 2% are willing to let an AI agent make the decision on its own. Reports show that consumers are more accepting of AI-assisted recommendations than of autonomous AI decision-making.
AI-written from reports · updated 8 days ago
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- PYMNTSSplitit CEO: AI agents need complete financial information to recommend Pay Later
Splitit CEO Nandan Sheth said AI agents need to consider cash flow, existing debt and the total cost of borrowing to determine whether consumers should choose Pay Later. Joint research by Splitit and PYMNTS Intelligence showed that 61% of consumers would accept credit or Pay Later recommendations from AI, but only 2% would let an agent decide on its own.