Imagine never having to remember to pay your phone bill or spend hours scrolling through supermarket apps again.
For many Britons, that futuristic vision is fast becoming an appealing reality.
New research suggests that a growing number of people across the UK are ready to let artificial intelligence take control of their everyday spending—at least to a certain extent.
Many Already Use AI for Daily Convenience
It’s no secret that AI has crept into our daily routines. From generating recipe ideas to planning weekly schedules or answering quick questions, technology has already made life smoother for countless households.
But now, it seems people are taking it a step further.
A report by payments company Checkout.com reveals that two in five Britons would be happy for AI to manage money-related chores like buying groceries, paying bills, or ordering household goods.
That means allowing the technology access to their finances—something many would have balked at not too long ago.
The Rise of ‘Agentic AI’
This new trust shift is tied to the emergence of what experts call “agentic AI”—systems capable of acting autonomously and mimicking human decision-making.
These AI agents can make choices, compare prices, and even complete transactions without constant user input.
However, there’s still a clear limit to how far that trust goes.
The average shopper in the study said they’d allow AI to handle no more than £200 of their money before stepping in themselves.
Younger Generations Are More Open to AI Spending
Unsurprisingly, age plays a big role in people’s willingness to hand over their wallets to technology.
Among 25- to 34-year-olds, nearly seven in ten said they’d be comfortable with AI managing transactions for them.
Almost half of that group—49 per cent—are already relying on AI to assist with shopping, whether it’s hunting for discounts or comparing product reviews.
On the other hand, older Britons are far more cautious.
Only 24 per cent of those aged 55 to 64 said they’d feel comfortable letting AI make purchases on their behalf, dropping even further to just 13 per cent for those aged 65 and over.
Security Fears Still Hold People Back
Despite growing enthusiasm, many still have concerns about letting algorithms touch their money.
Four in ten respondents admitted they worry about fraud or data misuse, which remains a major obstacle for wider adoption.
Some 31 per cent said they might consider giving AI spending power if there were strong security guarantees, while another 30 per cent said they’d be open to it if refund or return processes were simple in case AI made the wrong purchase.
AI Is Already Influencing How People Shop
Even for those not ready to hand over full control, AI is quietly shaping how people spend.
More than two in five households have already used AI to find gift ideas for a partner, and one in five have even asked it to write birthday card messages.
It’s clear that while people might not yet trust AI with their bank account, they’re happy to let it play assistant in their shopping decisions.
Balancing Innovation with Safety
According to Jenny Hadlow of Checkout.com, we’re already closer to AI-driven spending than most realize.
“The idea of AI running your shopping might sound futuristic, but consumers are already halfway there—they just need reassurance it’s safe,” she said.
She added that the next step for companies will be to build trust.
“Nearly half of those surveyed worry about losing control over what’s purchased through AI, so businesses must balance convenience with security.
Features like spending limits or category filters could help shoppers feel confident as this technology becomes part of daily life.”
What Comes Next?
While the idea of AI managing your budget may still feel like science fiction, it’s fast approaching reality.
If companies can strengthen safeguards and make systems transparent, it’s likely that more people will start trusting AI to handle the boring, repetitive side of spending—so they can focus on what really matters.
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