# Banks Warn Consumers Doubt AI Agents' Loyalty

> Global banks warn shoppers distrust AI agents handling payments due to fraud risks and unclear accountability.
- Title: Banks Warn Consumers Doubt AI Agents' Loyalty · Pymnts
- Summary: Global banks warn shoppers distrust AI agents handling payments due to fraud risks and unclear accountability. Consumers fear AI agents will spend money or…
- Keywords: ai agents, agentic commerce, fraud risk, bank of america, capital one, commonwealth bank of australia, ing, natwest, consumer trust, payment security, fraud prevention, business
- Source: Pymnts — https://pymnts.com/news/artificial-intelligence/2026/banks-say-consumers-unsure-ai-agents-are-on-their-side
- Author: PYMNTS
- Published: 2026-09-22T13:08:58+00:00
- Read time: 1 min
- Topics: ai agents, agentic commerce, fraud risk, bank of america, capital one, commonwealth bank of australia, ing, natwest, consumer trust, payment security, fraud prevention, business
## Banks Issue Safety Warning
Six global banks published principles to address AI agent risks in payments.
## Consumer Trust Gap
50% of Americans used AI for shopping, but only 24% let AI handle payments.
## AI Agents Risk Spending
Consumers worry AI will buy wrong items, overspend, or lose money to scams.
## Fraud and Liability Issues
Banks note unclear liability and disputes when AI agents cause fraud or scams.
## Payment Security Concerns
AI agents may prioritize unsafe payment methods, increasing fraud risks.
## Key takeaway

Consumers fear AI agents will spend money or scam them without clear protection.