Experian has published Forrester Consulting research finding that 54% of 6,247 credit-active consumers in 13 EMEA and Asia Pacific markets are comfortable with AI agents applying for credit on their behalf, the company said on 16 September 2026.
In the study, AI in Risk: The Rise of Agentic Commerce, 85% of respondents said AI agents could help them compare more options than they could manually, 84% that AI could save them money and 83% that it could help them avoid missing details such as hidden fees. For credit applications, 23% would let an agent act when pre-agreed rules are met and 5% would give it full autonomy.
Three-quarters said they would feel more comfortable using AI connected to a financial institution they already trust.
“Our research shows that 82% of the surveyed respondents already trust LLMs to compare loans across providers,” said Mariana Pinheiro, CEO of Experian EMEA & Asia Pacific.
Experian said lenders will need systems for secure interactions between consumer-side AI agents and lender platforms.