Riskified Survey: Consumers Wary of AI Shopping Agents Amid Rising Online Fraud Concerns

Quick Summary

The latest Riskified survey reveals that while 61.5% of consumers use AI for product discovery, 55% refuse to let AI agents complete transactions due to online fraud fears. Shoppers demand biometric safeguards and clear platform accountability before fully embracing autonomous, agent-driven ecommerce experiences.

How Does Online Fraud Impact Agentic Commerce Adoption?

Online fraud remains the primary barrier to the widespread adoption of autonomous AI shopping agents. According to the Q1 2026 Agentic Commerce Pulse, 53.9% of consumers believe that AI could significantly increase their exposure to digital scams. This represents a hardening of sentiment compared to late 2025, as users move from general unease to specific demands for transaction security infrastructure.

• 73.9% of shoppers demand biometric or OTP authentication for AI-led buys.
• 50.8% of respondents hold AI platforms responsible for unauthorized charges.
• 46.5% of users currently trust no company to manage their automated purchases.

What Are the Key Consumer Metrics for AI Shopping?

The data highlights a massive adoption-trust gap in the retail sector. While 61.5% of consumers have integrated AI into their discovery phase, the transition to execution is stalled. Merchants must recognize that 55.0% of shoppers are explicitly uncomfortable with agents making purchases on their behalf, a sharp pivot from the more optimistic 70% favorability rating seen just one quarter prior.

To bridge this gap, retailers are looking toward identity-based insights and financial guarantees. Riskified notes that 31.2% of consumers prefer using general tools like ChatGPT for shopping, while 27.0% favor retailer-specific apps, suggesting a fragmented market where security will be the ultimate differentiator.

How Can Merchants Secure AI-Driven Transactions?

Securing the future of retail requires moving beyond simple chatbots to robust risk intelligence. Merchants can mitigate the risks of online fraud by implementing AI-powered platforms that analyze the individual behind every interaction in real-time. By offering chargeback protection guarantees, brands can provide the accountability that 50.8% of consumers now demand from their service providers.

"Consumers are clearly embracing AI as a shopping assistant, but they’re drawing a firm line when it comes to autonomy and accountability," said Jeff Otto, Chief Marketing Officer at Riskified. "What we’re seeing is a widening gap between adoption and trust. Shoppers want the convenience and personalization AI can deliver, but they’re not yet willing to hand over control or responsibility. For merchants, that means going beyond enabling AI-driven experiences by building the infrastructure for transparency, security, and accountability that makes those experiences trustworthy."

FF NEWS TAKE:

This report is a reality check for the 'agentic commerce' hype cycle. While the industry is rushing toward autonomous agents, the 53.9% of consumers fearing online fraud proves that security is moving faster than adoption. Riskified’s data suggests that the first movers in AI shopping won't be those with the best LLMs, but those with the most transparent liability frameworks and fraud guarantees. This definitely moves the needle by shifting the conversation from 'cool tech' to 'hard compliance'.