Mastercard says 1 in 10 will shop by AI; Morgan Stanley says half

More than one in 10 online shoppers will routinely use AI agents to shop and pay by 2030, according to a report published Sept. 8, 2026 by Mastercard (MA). That works out to more than 300 million people worldwide. The number reads like a distant projection. Recent US data suggests the behavior is already further along than that.

Published: 2026-09-11