International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

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Volume 8 Issue 5
September-October 2026

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When AI Starts Spending: Examining the Impact of Agentic Artificial Intelligence on Consumer Financial Decision-Making

Author(s) Ms. Tvisha Tuli
Country India
Abstract The emergence of agentic artificial intelligence (AI) is transforming online shopping by enabling AI systems to search, compare, select, and purchase products on behalf of consumers. This paper examines how delegating purchasing decisions to AI agents influences consumer financial behaviour, spending awareness, decision-making autonomy, and accountability. Using an extended interdisciplinary literature review, it synthesizes research from behavioural economics, consumer psychology, cybersecurity, and consumer protection law. The findings highlight potential benefits, including improved price comparisons, reduced search costs, and automated budget management. However, significant risks include reduced spending awareness, automation bias, algorithmic manipulation, privacy vulnerabilities, and unclear liability for mistaken purchases. The review also identifies concerns regarding young consumers and the development of financial literacy. While existing research establishes links between less visible payment mechanisms and increased spending, direct empirical evidence on AI-driven purchasing remains limited. The paper recommends transparent recommendations, spending limits, meaningful human approval, and stronger consumer protection regulations.
Keywords Agentic AI, Agentic Commerce, Consumer Financial Behaviour, Spending Awareness, Behavioural Economics, Financial Literacy, Consumer Protection.
Published In Volume 8, Issue 5, September-October 2026
Published On 2026-10-24
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E-ISSN 2582-2160
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CrossRef DOI prefix of IJFMR is 10.36948/ijfmr

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