What’s holding shoppers back from using AI at checkout?

32% remain hesitant to share personal or payment details with AI systems.

Consumers in Asia Pacific are increasingly using artificial intelligence (AI) to shop, but concerns over security and transparency are holding them back at checkout, according to findings from Visa.

Across the region, 74% of consumers reported using AI tools to discover, track, or learn about products. Yet, 26% expressed doubts that AI recommendations always align with their best interests, indicating a need for greater transparency and user control.

This caution is especially evident amongst affluent households, where 39% have heightened expectations around data usage, compared to 29% amongst lower-income groups.

Similarly, digitally mature markets like Australia (38%), New Zealand (37%), and Singapore (34%) also exhibit above-average caution.

“The way people shop is changing quickly, with AI now playing a growing role in how consumers discover and choose products,” said T.R. Ramachandran, head of products & solutions, Asia Pacific at Visa. “But as AI becomes part of the checkout experience, trust and control become even more important.”

Whilst consumers are comfortable using AI to compare prices and understand product features, confidence drops when transactions involve personal or payment information.

The survey found that 32% of consumers remain hesitant to share personal or payment details with AI systems.

Nearly half, or 45%, said they would be more open to AI-driven commerce if stronger assurances around payment security were in place.

The study also found regional differences in openness to agentic commerce. India and Vietnam lead, with 42% of consumers willing to try AI for online purchases.

In contrast, digitally advanced economies show more restraint, with only 14% in Singapore and Japan, and 16% in New Zealand, expressing interest.

The report said that higher expectations for data protection and personal control are driving this cautious approach.

“Consumers want to understand how their data is being used and feel confident that every transaction is secure," said Ramachandran. “Building that trust is what will determine whether AI-powered commerce can truly scale.”