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title: "Pay Later Credit Option May Have to Win Over the Algorithm First — Stuff That Spins"
description: "Artificial intelligence (AI) is beginning to influence a part of commerce that has traditionally belonged to consumers: choosing how to pay. For years, Pay Lat…"
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date: "2026-07-08T08:00:50+00:00"
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# Pay Later Credit Option May Have to Win Over the Algorithm First

**Source:** Unknown  
**Published:** July 8, 2026  
**Original:** https://www.pymnts.com/consumer-insights/2026/pay-later-credit-option-may-have-to-win-over-the-algorithm-first/  

## On this page

- [Overview](#overview)

<a id="overview"></a>

## Overview

Artificial intelligence (AI) is beginning to influence a part of commerce that has traditionally belonged to consumers: choosing how to pay. For years, Pay Later providers competed for attention at checkout through marketing, merchant placement and promotional financing. New PYMNTS Intelligence research with Splitit suggests that if AI shopping assistants become responsible for recommending financing […] The post Pay Later Credit Option May Have to Win Over the Algorithm First appeared first on 

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