Article · January 20, 2026

When the buyer sends an agent.

AI agents are starting to shop on buyers' behalf. The brand still has to decide what that buyer is worth, at the moment the agent arrives.

A shift is underway toward agentic commerce, where AI agents rather than people do the product discovery, make the purchase decision, and complete the transaction. Morgan Stanley Research estimates agentic shoppers could account for $190 billion to $385 billion of US ecommerce spending by 2030, roughly 10 to 20 percent of the market.

What changes for the seller

An agent arrives with intent and a budget, but without the browsing history, the cookies, or the patience a person brings. It will not fill in a form. It compares offers in milliseconds and moves on. The moment of decision gets shorter, not longer.

What does not change

Someone still has to decide what this buyer is worth, which offer to present, which path to put first, and whether the order carries risk. That decision has to happen at the moment of contact, from the signal that arrives because there may be no second visit from which to learn.

That is the job the IH Score was built for: a value and risk segment returned in milliseconds at first contact, with the outcome written back so the next decision is better. Whether the buyer is a person on the phone, a visitor on a page, or an agent acting for one, the seller needs a system of decision.

Sources

  1. Morgan Stanley, Here Come the Shopping Bots, December 2025

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