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Wallid’s 3-Year Forecast: AI-Commerce to Hit $945B

As conversational AI reshapes how people discover and buy online, Wallid.co reveals its 3-year outlook on AI-commerce and a strategic roadmap to empower merchants in this new era.

Key Takeaways

  • AI-commerce is expected to reach $945B by 2028, reshaping how people shop online.
  • Wallid powers AI-native checkout, enabling seamless transactions inside conversations.
  • “Ask-and-checkout” experiences will dominate: search, recommend, and purchase in one flow.
  • To win, merchants must optimise discovery, personalisation, checkout, and retention.
  • Wallid enables A2A payments, cashback, affordability logic, and open banking integration.
  • Conversational commerce is already live via Shopify x ChatGPT and TikTok’s smart agents.
  • Smart agents will soon handle subscriptions, reorders, and affordability-aware offers.

A Paradigm Shift in Online Shopping

Wallid, led by CEO Ilya Mikin, is building the infrastructure for a future where consumers ask AI agents for personalized product recommendations and complete purchases within the same conversation.
"We're seeing the rise of 'ask-and-checkout' experiences. This will radically change how brands are discovered and how transactions are completed." - Ilya Mikin, Wallid's CEO
From OpenAI-Shopify integrations to TikTok’s AI shopping agents, the shift is well underway. Merchants must prepare for this disruption now.

Market Outlook: AI Shopping Growth Forecast

Year
Projected GMV
Global E-Commerce Share
2025
$189B
3%
2027
$630B
10%
2028
$945B
15%
This growth signals a dramatic change in how consumers interact with brands and complete purchases.

The Four Fronts of AI-Commerce

According to Wallid’s research, winning in AI-commerce requires optimization across:

  1. Discovery: Structure product data for AI APIs
  2. Personalization: Compete for limited AI-surfaced visibility
  3. Checkout: Provide AI-native, frictionless purchasing
  4. Retention: Use AI agents to drive reorders, upsells, and smart post-purchase flows
"Since integrating with Wallid's AI-native checkout, our drop-off rates have plummeted and repeat purchases have increased. It's like having a smart assistant close every sale." - Sofia Turner, Founder of Glowhaus Skincare.

Wallid’s Vision: Payments That Work Where Conversations Happen

Wallid’s checkout platform is purpose-built for AI-first commerce:

  • Embedded within chat interfaces and AI agents
  • Context-aware and real-time adaptive
  • Supports A2A payments, cashback, and split-pay
  • Enables affordability-aware offers based on open banking data

The Future Is Agent-Led Commerce

Wallid anticipates a future where AI agents handle the full shopping journey:
  • “Find me a birthday gift under £50”
  • “Reorder my supplements with next-day delivery”
  • “Book my skincare subscription using the best cashback offer”
Wallid’s infrastructure will power the financial logic and seamless payments behind these intelligent prompts.

Frequently Asked Questions (FAQ)

What is AI-commerce?

AI-commerce refers to shopping experiences powered by conversational AI, where users interact with intelligent agents to discover, select, and purchase products.

How is Wallid enabling AI-commerce?

Wallid offers an embedded, context-aware checkout platform optimized for conversational interfaces and AI agents.

How do AI agents improve the shopping experience?

AI agents personalize product suggestions, simplify decision-making, and streamline checkout within a single conversational interface.

What are 'ask-and-checkout' experiences?

These are AI-powered interactions where users can search for products and complete transactions in the same conversation, without switching apps or websites.

Can AI agents handle reorders and subscriptions?

Yes. AI agents can manage recurring purchases and make smart reorder suggestions based on past behavior and contextual cues.

What makes Wallid’s checkout solution different?

Wallid's checkout is built for AI-native flows—offering A2A payments, cashback, affordability awareness, and chat-based interaction.

How can merchants adapt to AI-commerce?

Merchants should invest in structured product data, personalized experiences, embedded checkout, and post-purchase automation.

Is conversational commerce already live?

Yes. Integrations like ChatGPT x Shopify and TikTok's smart agents are already enabling conversational commerce features.

What’s next for AI in e-commerce?

Expect agents to handle everything from product discovery to financing offers, with payments embedded in the conversation.

Does AI-commerce work across devices?

Yes. AI-commerce is designed to work seamlessly across smartphones, desktops, smart speakers, and wearables.

Expert Note

This article was prepared by the Wallid content team, including fintech analysts and AI-commerce strategists.
2025-07-08 10:25 insights