Visa: AI Agents Are Becoming Active Shoppers

Visa's new Business-to-AI (B2AI) report reveals AI is rapidly reshaping commerce. Nearly 40% of Americans have made purchases influenced by AI agents, while 53% of U.S. businesses surveyed would allow AI-to-AI price negotiation. Visa defines B2AI as an emerging model where AI agents actively participate in commercial decisions while humans retain accountability. Despite business enthusiasm—77% already using or piloting AI—consumers insist on maintaining trust and override capabilities.