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For most of your adult life, you have decided which card comes out of your wallet. Maybe it is the one with the best cashback. Maybe it is the one on top.
That decision is starting to move to software.
More than one in 10 online shoppers will routinely use AI agents to shop and pay by 2030, according to a report published Sept. 8, 2026 by Mastercard (MA). That works out to more than 300 million people worldwide.
The number reads like a distant projection. Recent US data suggests the behavior is already further along than that.
The report, ******* led "A short history of the future of shopping and payments," pairs original consumer research with predictions from four futurists in the US, Europe and Asia, according to Mastercard.

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