54% of Consumers Comfortable with AI Agents Handling Credit Applications, Experian Study Finds
Event summary
- 54% of surveyed consumers comfortable with AI agents applying for credit on their behalf.
- 82% trust AI to compare loans across providers, per Experian's AI in Risk report.
- 75% prefer AI linked to trusted financial institutions over standalone services.
- Survey conducted by Forrester Consulting in July 2026 across 13 EMEA and Asia Pacific markets.
The big picture
Experian's research signals a pivotal shift in consumer trust toward AI handling complex financial tasks, moving beyond information provision to active participation in lending processes. This trend underscores the need for financial institutions to integrate AI securely while maintaining consumer confidence, as AI agents become integral to credit applications and decision-making. The study highlights a broader industry movement toward agentic commerce, where AI's role evolves from assistant to active participant in financial ecosystems.
What we're watching
- Trust Dynamics
- How financial institutions will leverage existing consumer trust to integrate AI agents into credit processes.
- Regulatory Readiness
- Whether lenders can adapt systems for secure AI-agent interactions, including identity verification and fraud prevention.
- Autonomy Evolution
- The pace at which consumers shift from oversight to full delegation of AI agents in financial tasks.
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