{"id":240690,"date":"2026-07-06T09:06:00","date_gmt":"2026-07-06T13:06:00","guid":{"rendered":"https:\/\/testing.news-you-need.com\/index.php\/2026\/07\/06\/new-research-finds-61-of-u-s-consumers-welcome-ai-assisted-pay-later-recommendations-but-on-their-terms\/"},"modified":"2026-07-06T09:10:09","modified_gmt":"2026-07-06T13:10:09","slug":"new-research-finds-61-of-u-s-consumers-welcome-ai-assisted-pay-later-recommendations-but-on-their-terms","status":"publish","type":"post","link":"https:\/\/testing.news-you-need.com\/index.php\/2026\/07\/06\/new-research-finds-61-of-u-s-consumers-welcome-ai-assisted-pay-later-recommendations-but-on-their-terms\/","title":{"rendered":"New Research Finds 61% of U.S. Consumers Welcome AI-Assisted Pay Later Recommendations, But on Their Terms"},"content":{"rendered":"<p><a href=\"https:\/\/www.prnewswire.com\/news-releases\/new-research-finds-61-of-us-consumers-welcome-ai-assisted-pay-later-recommendations-but-on-their-terms-302816204.html\">New Research Finds 61% of U.S. Consumers Welcome AI-Assisted Pay Later Recommendations, But on Their Terms<\/a><\/p>\n<p><a href=\"https:\/\/www.prnewswire.com\/news-releases\/new-research-finds-61-of-us-consumers-welcome-ai-assisted-pay-later-recommendations-but-on-their-terms-302816204.html\">https:\/\/www.prnewswire.com\/news-releases\/new-research-finds-61-of-us-consumers-welcome-ai-assisted-pay-later-recommendations-but-on-their-terms-302816204.html<\/a><\/p>\n<p>Publish Date: <a href=\"publish_date]\">2026-07-06 09:06:00<\/a><\/p>\n<p>Source Domain: <a href=\"www.prnewswire.com\">www.prnewswire.com<\/a><\/p>\n<ul>\n<li>\n<p><strong>Consumer Preferences for Controlled AI Recommendations<\/strong>: The majority of U.S. consumers surveyed (61%, especially 80% of Gen Z) are open to AI-assisted Pay Later options, provided they retain final control over the recommendations.<\/p>\n<\/li>\n<li>\n<p><strong>Credit Score Protection as a Priority<\/strong>: Nearly 60% of consumers prioritize credit score protection when considering Pay Later options, viewing it as crucial compared to cost or other factors.<\/p>\n<\/li>\n<li>\n<p><strong>Affordability Over Convenience<\/strong>: When it comes to Pay Later choices, 24% of consumers are most concerned with lowest-cost options, suggesting a strong preference for affordability over incentives like rewards.<\/p>\n<\/li>\n<li>\n<p><strong>Favorable Toward Credit Card Installments<\/strong>: 36% of consumers have used credit card installments in recent months compared to only 12% using standalone Buy Now Pay Later (BNPL), indicating a preference for leveraging existing credit relationships.<\/p>\n<\/li>\n<li>\n<p><strong>Generational Differences in AI Use<\/strong>: Gen Z is considerably more open to using AI in Pay Later decisions compared to older generations, highlighting age as a more significant predictor of AI usage than income.<\/p>\n<\/li>\n<li>\n<p><strong>Implications for Stakeholders<\/strong>: The report suggests merchants could boost conversion by offering payment flexibility. Issuers with integrated installment products are better positioned to strengthen loyalty and engagement, while fintechs should focus on making existing credit more flexible and transparent.<\/p>\n<\/li>\n<\/ul>\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>New Research Finds 61% of U.S. Consumers Welcome AI-Assisted Pay Later Recommendations, But on Their&#8230;<\/p>\n","protected":false},"author":1,"featured_media":240691,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"https:\/\/mmx.prnewswire.com\/media\/MS1272566\/SI-Logo-Purple.jpg?id=OA2745500&p=facebook","fifu_image_alt":"","footnotes":""},"categories":[14],"tags":[],"class_list":["post-240690","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artificial-intelligence"],"_links":{"self":[{"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/240690"}],"collection":[{"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/comments?post=240690"}],"version-history":[{"count":1,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/240690\/revisions"}],"predecessor-version":[{"id":240692,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/240690\/revisions\/240692"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/media\/240691"}],"wp:attachment":[{"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/media?parent=240690"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/categories?post=240690"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/tags?post=240690"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}