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Six in Ten Americans Will Accept AI Help With Buy Now, Pay Later — If They Stay in the Driver's Seat

7/6/2026

A PYMNTS Intelligence report, produced in collaboration with Splitit, finds that 61% of U.S.

consumers are open to AI-assisted Pay Later recommendations, a signal that artificial intelligence is moving from back-office underwriting into the consumer-facing checkout lane.

The catch: shoppers want the technology to work around their existing financial lives, not reshape them.

What "Pay Later" Means and Why the AI Angle Matters Buy Now, Pay Later — commonly called BNPL — lets shoppers split a purchase into installments, often interest-free, instead of paying the full amount upfront.