SEON, the fraud prevention and AML compliance platform, has published new research suggesting that while US consumers are quickly folding AI agents into daily life, most remain wary of handing them control over payments and personal data.

Nearly two-thirds of respondents also said the firm behind an agent should be held responsible if it completes a fraudulent transaction.

The study polled 2,026 US adults on their use of, trust in and concerns about AI agents. Some 68% said they rely on an agent for a personal task at least weekly, yet half said they would feel uneasy letting one use their credit card details, even for a purchase they had asked for. That unease is strongest among Boomers at 65%, followed by Gen X at 52%, Gen Z at 47% and Millennials at 34%. Women reported more discomfort than men, at 56% compared with 43%.

Appetite for sharing data depends heavily on its type. Location data tops the list at 38%, with purchase history and calendar access both at 34%, but just 15% would hand over financial details. Younger respondents were more open, though still a minority: 23% of Millennials and 22% of Gen Z, against only 4% of Boomers. Almost a third, 32%, would share nothing at all.

On accountability, 65% placed responsibility for agent-driven fraud on the AI company, far ahead of the consumer (14%), the merchant (11%) or the bank or card issuer (10%). Respondents ranked a scammer hijacking the agent or their accounts, and the agent disclosing data without consent, as joint leading fears at 20% each.

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