In a new Visa Business to AI (B2AI) Report , developed with Morning Consult , Visa defines the next era of commerce as a world where AI agents don’t just assist shopping, they evaluate options, negotiate, and complete transactions on behalf of people and businesses.
Nearly 40% of Americans surveyed have already made a purchase they normally would not have considered because an AI agent or tool recommended it, an early sign that algorithms are actively shaping demand rather than just filtering it. “Commerce is
moving from market-to-human to market-to-machine,” said Frank Cooper III, Chief Marketing Officer at Visa. “B2AI describes what happens next as AI agents begin evaluating, negotiating and transacting on behalf of people. In that world, as always, trust becomes the critical infrastructure.
If we don’t build it into machine-mediated commerce, adoption stalls.” In this machine mediated environment, he stressed that trust is critical infrastructure, if consumers and businesses cannot trust AI to AI commerce, adoption will stall. Businesses are Ready to Let AI Negotiate A majority of U.S.
business decision makers are already planning for AI led buying and selling. Among surveyed leaders: 53% would allow AI agents to negotiate prices or terms directly with other AI agents, 88% are willing to provide pricing or inventory data to enterprise AI systems and 55% are already familiar with the concept of B2AI commerce .
In practice, that means procurement bots and sales agents could soon hash out discounts, delivery windows and service levels in real time, within guardrails set by humans. Visa notes that 77% of businesses are already using or piloting AI somewhere in their operations,…
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