Wallid Forecasts AI-Powered E-Commerce to Reach $945 Billion by 2028, Unveils Strategic Roadmap

As AI agents like ChatGPT, Gemini, and Perplexity increasingly shape consumer product discovery and purchasing behaviors, Wallid.co Ltd has released its official three-year forecast for AI-powered e-commerce alongside a strategic roadmap to help merchants and platforms adapt to this rapidly evolving landscape. The London-based fintech company, led by CEO Ilya Mikin, is developing payment and checkout infrastructure specifically designed for the AI-commerce era, where traditional storefronts are being replaced by conversational and intelligent buying flows.

Consumers are shifting away from static search-and-scroll models toward asking AI assistants for personalized product suggestions, with expectations that these assistants will soon complete purchases within the same interface. Early indicators of this transformation include OpenAI-Shopify integrations that enable real-time product discovery and purchases within ChatGPT, while major technology companies like Amazon, Google, and TikTok are embedding AI agents for dynamic, contextual shopping experiences.

Wallid projects that AI-powered shopping will represent a significant portion of global e-commerce Gross Merchandise Value, growing from $189 billion (3% global share) by 2025 to $630 billion (10% global share) by 2027, and reaching $945 billion by 2028, accounting for 15% of all online purchases. This growth signifies not merely a technological trend but a fundamental shift in consumer expectations that demands merchants and platforms reconsider their sales strategies.

According to Wallid's research, merchants must prepare across four critical dimensions: discovery requires product data structured for AI APIs rather than traditional search engines; personalization demands that brands earn limited visibility as AI shows only the most relevant options; checkout necessitates frictionless, AI-native processes with real-time payments; and retention involves leveraging AI agents for reorders, upsells, and smarter post-purchase flows. Wallid's AI-personalized, open-banking powered checkout is designed for this future where payments are embedded, context-aware, and effortless.

Built specifically for embedded AI interfaces, Wallid's next-generation checkout platform operates inside chat interfaces and AI agents, adapts in real-time to each customer's context, powers low-cost, high-conversion account-to-account payments, and supports split-pay, cashback, and affordability-aware offers at checkout. As conversational commerce becomes mainstream, Wallid positions itself as the infrastructure for AI-optimized payments across platforms and geographies.

The company forecasts the rise of intelligent AI agents that shop on behalf of consumers using prompts such as finding gifts under specific budgets, reordering products with delivery preferences, or booking subscriptions using optimal cashback offers. With financial logic embedded into these AI systems—from credit scoring to loyalty and instant offers—Wallid aims to become the transactional engine behind this agent-led commerce future.