Mastercard's CEO believes AI-driven "agentic commerce" won't just benefit consumers. By searching the entire market for the best offers, these agents will allow small businesses to compete directly with large corporations, leveling the playing field and increasing market competition.
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Influencing $3 billion in Black Friday sales, AI shopping agents automate both product discovery and price hunting. This ushers in an era of "self-driving shopping" that forces radical price transparency on retailers, as AI can instantly find the absolute cheapest option online for any product.
Anticipating a shift to "agentic commerce," SharkNinja is actively re-optimizing its e-commerce site for Large Language Models. The company believes what drives human conversion today may not rank highest in AI-driven search and expects commerce via AI platforms to be meaningful by Christmas 2025.
Previously, building sophisticated digital experiences required large, expensive development teams. AI and agentic tools level the playing field, allowing smaller businesses to compete on capabilities that were once out of reach. This creates a new 'guy in the garage' threat for established players.
The future of AI in e-commerce isn't just better search results like Amazon's Rufus. The shift will be towards proactive, conversational agents that handle the entire purchasing process for routine items, mirroring the "one-click" convenience of the original Amazon Dash button but with greater intelligence.
Middlemen like retailers exist because of information asymmetry. Personal AI agents, with deep knowledge of individual needs, will aggregate demand and purchase goods directly from producers like farmers and manufacturers. This will eliminate the need for advertisers and retailers and enable hyper-efficient supply chains.
To enable agentic e-commerce while mitigating risk, major card networks are exploring how to issue credit cards directly to AI agents. These cards would have built-in limitations, such as spending caps (e.g., $200), allowing agents to execute purchases autonomously within safe financial guardrails.
Shopify's Harley Finkelstein argues agentic commerce will make SEO obsolete. Instead of brands gaming search rankings, AI will recommend products based on merit and a user's personal context history. This shift could level the playing field, allowing smaller, high-quality brands to be discovered more easily.
Generative AI changes brand discovery from a budget-driven game to one based on relevance, credibility, and usefulness. This levels the playing field, allowing smaller, more agile brands to compete with larger incumbents who traditionally relied on massive ad budgets.
The next phase of AI will involve autonomous agents communicating and transacting with each other online. This requires a strategic shift in marketing, sales, and e-commerce away from purely human-centric interaction models toward agent-to-agent commerce.
In AI-driven commerce, brands win by being selected by an agent, not by ranking on a search page. This shift favors brands with trustworthy, structured, and verifiable data over those with the largest advertising budgets, leveling the playing field for smaller, agile companies.
