AI is becoming a standard part of how people shop, but there is a clear limit to how far consumers are willing to let it go. New data from Exploding Topics shows 77.6% of consumers have used AI to help with shopping in the past six months, with more than 43% doing so weekly.
That level of adoption suggests AI is now embedded in everyday buying behavior. At the same time, most of those users are not ready to let AI take the final step and complete a purchase.
This gap between usage and trust points to an emerging ceiling in AI commerce. Consumers are comfortable using AI to inform decisions, but not to act on their behalf.
You can see that divide in how AI is used today. Most shoppers rely on it for product research and price comparison, not for transactions, which keeps it firmly in the discovery phase.
Understanding the trust ceiling
AI is proving effective at shaping what people buy. About 68.64% of users say it has influenced a purchase they would not have made otherwise, giving it real weight in the decision-making process.
But trust drops sharply when money enters the equation. More than half of consumers are uncomfortable with AI storing their card details, and the most common amount they would allow AI to spend autonomously is $0.
Even among frequent users, most cap that number at $50 or less. That suggests the issue is not familiarity with AI, but confidence in handing over control.
This creates a structural split in the shopping journey. AI is becoming a decision layer that shapes consideration, but the transaction layer still depends on human action.
What this means for marketers
For martech teams, the implications are immediate. If AI is influencing decisions but not closing transactions, then visibility inside AI-generated responses becomes critical.
Nearly half of shoppers either start with AI or use it to validate choices, which means being cited or recommended can directly impact conversion paths. This is where generative engine optimization starts to play a larger role alongside traditional SEO.
At the same time, perception is becoming a constraint. Only a small share of consumers believe AI shopping tools primarily serve them, while many think they benefit platforms and advertisers instead.
That skepticism carries over into new features like AI-driven checkout. Even regular users describe these tools as suspicious or untrustworthy, which slows adoption of fully automated commerce.
The result is a two-speed market. AI adoption will continue to grow, but its role will expand unevenly across the funnel, with influence outpacing execution.
The takeaway is straightforward. AI can guide decisions and shape demand, but for now, the final step still belongs to the consumer.
A summary of the report is available here. (No registration is required)
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