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The Adyen Index 2026: Singapore Retail Report Deep Dive

Chapter 2: The agentic paradox

AI is shifting retail from passive storefronts to autonomous ecosystems where agents research, choose, and pay in real time.

Chapter 2 of The Adyen Index 2026: Singapore Retail Report examines how ready local consumers and businesses are for agentic commerce.

Our study reveals a clear split: while willingness to use AI tools is rising rapidly, willingness to trust them lags behind – a trend we call the agentic paradox.

As we approach this next era, some consumers are further along than expected. And it’s not who you might think. Retailers looking to stand out must follow where the data points.

Ben Wong, General Manager, SEA & HK, Adyen

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Ben Wong

Key highlights

Built on insights from over 1,000 consumers and 300 enterprise retailers, Chapter 2 of The Adyen Index 2026: Singapore Retail Report reveals the following:

42%

of consumers use AI to shop weekly

43%

of AI-users also use tools like cashierless checkout, AI search, and in-store navigation tools

95%

of retailers face barriers that prevent wider adoption of AI

36%

of retailers fear losing direct customer relationships or brand control

Get the full deep dive

In the second chapter of our four-part series, you’ll learn about:

  • AI power shoppers in Singapore: Their expectations and what it takes to convert this demographic

  • The merchant paradox: The main barriers to adopting AI in commerce and actionable steps retailers can take to overcome them

  • Payments underpinning agentic commerce: How single-platform infrastructure secures trust and drives conversion in autonomous ecosystems