UAE leads global shift as AI takes over shopping decisions in “agent-based commerce” era

Business Tech 11-06-2026 | 10:55

UAE leads global shift as AI takes over shopping decisions in “agent-based commerce” era

A new study reveals rising trust, bold financial openness, and fast adoption as artificial intelligence moves from product recommendations to actually shopping and paying on behalf of consumers in the UAE.

UAE leads global shift as AI takes over shopping decisions in “agent-based commerce” era
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Artificial intelligence is no longer limited to recommending products or improving online search experiences; it is increasingly beginning to make purchasing decisions on behalf of consumers.

 

With the rapid rise of so-called “agent-based commerce,” markets are moving into a new phase in which AI acts as an active partner in the shopping journey—selecting products, comparing prices, and even completing purchases.

 

In this context, a recent study highlights that the UAE is leading the surveyed markets in the speed of adopting these technologies and in the level of confidence placed in AI to manage purchasing and financial decisions.

 

 

The e-commerce market in the UAE is expected to exceed $13.8 billion by 2029. (AI design)
The e-commerce market in the UAE is expected to exceed $13.8 billion by 2029. (AI design)

 

 

79% of consumers in the UAE trust artificial intelligence

 

A survey conducted by Checkout.com found that the UAE ranked first among the countries and regions included in the study in terms of the speed of adopting artificial intelligence technologies in shopping.

 

Consumers in the UAE who are not currently using this technology expect agent-based commerce to account for 10% or more of their total online purchases within the next year.

 

The study, conducted by the company in partnership with Censuswide, was based on a survey of 12,005 consumers across six markets: the United Kingdom, the United States, Brazil, China, France, and the United Arab Emirates, as well as 400 payment-sector executives at consumer-facing companies working full-time in both the UK and the US.

 

According to the study, 79% of consumers in the UAE feel comfortable allowing artificial intelligence to complete purchases on their behalf, while only 2% said they have no motivation at all to use an AI shopping agent.

 

It was also found that 64% of consumers believe that an AI agent would buy clothing that fits them better than what they could choose for themselves.

 

Nearly a quarter of consumers in the UAE (24%) are comfortable sharing details of their salaries, disposable income, and real-time bank balances with artificial intelligence, while 19% are willing to grant it access to their personal calendar.

 

According to the research, 71% of shoppers in the UAE are willing to allow an AI agent to change their preferred brands and replace products if it finds a better value option.

 

On the financial side, shoppers in the UAE showed openness to letting artificial intelligence manage their finances, with 22% saying that financial services and insurance products would be among the first things they would delegate to AI.

 

Additionally, 72% of them expressed willingness to use an AI agent to bypass digital queues when purchasing tickets for festivals and events.

 

In this context, Rory O’Neill, Chief Marketing Officer at Checkout.com, said that agent-based commerce powered by artificial intelligence is rapidly shifting from a concept into a tangible reality.