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The Rise of Agentic Commerce: When AI Stops Assisting and Starts Acting

Last Updated:
December 18, 2025
9
min read
By
Patricia Staino
Editorial Director
at
Narvar
The Rise of Agentic Commerce: When AI Stops Assisting and Starts Acting

Why autonomous systems are becoming retail’s next operating model

Something fundamental is shifting beneath the surface of retail. While shoppers focus on finding the right products at the right prices, a new kind of artificial intelligence is learning to make decisions on their behalf — and retailers are racing to keep pace.

This isn't about chatbots or recommendation engines. We're talking about agentic AI: autonomous systems that can plan, decide, and act independently to achieve specific goals. Think of them as digital teammates that handle complex tasks from start to finish, whether that's managing inventory flows, optimizing pricing in real time, or even completing purchases without human input.

It’s not surprising, then, that global AI spending in retail is projected to surge from $11.6 billion in 2024 to $40.7 billion by 2030. Nine out of ten retailers are now piloting or implementing AI solutions, with 43% specifically deploying autonomous systems and another 53% actively evaluating where these digital agents might fit. More telling still: 76% plan to increase their AI agent investments over the coming year.

The Rise of Agentic Commerce: When AI Stops Assisting and Starts Acting
The Rise of Agentic Commerce: When AI Stops Assisting and Starts Acting

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The stakes extend far beyond operational efficiency. McKinsey research suggests that agentic commerce could generate up to $1 trillion in orchestrated revenue within the U.S. B2C market alone by 2030, with global projections reaching $3-5 trillion. That's not just automation — that's a total rewiring of how commerce works.

Why agentic AI is accelerating in retail

Retail has always operated on thin margins, but the expectations placed on retailers have never been heavier. Leaders are being asked to modernize their tech stacks, improve efficiency, personalize experiences, and protect profitability — often all at once. At the same time, boards and executive teams are issuing clear mandates: invest in AI, demonstrate impact, and do it fast.

That pressure is colliding with a more complex operating reality. Retailers are managing an expanding set of investments — across commerce platforms, data infrastructure, fulfillment, pricing, marketing, and customer experience — while teams are being asked to do more with fewer resources. Traditional automation and analytics can surface insights, but they still rely on humans to interpret, prioritize, and act. That model doesn’t scale when decisions need to happen in real time, across channels, and at massive volume.

Traditional automation and analytics can surface insights, but they still rely on humans to interpret, prioritize, and act. 

Meanwhile, innovation is moving at a visible, almost uncomfortable pace. Tools like ChatGPT and Perplexity have reset expectations for what AI can do — not just analyze information, but perform multi-step reasoning, interpret context, and autonomously initiate actions based on defined objectives. Retail leaders now see what’s possible when systems behave less like passive software and more like intelligent, goal-oriented collaborators. The gap between consumer-facing AI experiences and internal retail operations has become impossible to ignore.

Agentic AI is emerging as a direct response to that gap. These systems are designed to operate within defined guardrails, continuously assess context, and converge on the fastest, most effective action across complex environments. They don’t replace human strategy or judgment — they absorb operational burden, reduce latency, and keep the business moving by making high-confidence decisions in real time, even when teams can’t be everywhere at once.

The gap between consumer-facing AI experiences and internal retail operations has become impossible to ignore.

Agentic commerce is accelerating because retailers are under pressure to justify their investments, deliver measurable outcomes, and keep pace with a market where the definition of “intelligent” software has fundamentally changed.

What makes these AI systems different

The retail world has seen plenty of AI promises before. Most delivered incremental improvements — better product recommendations, smarter search results, faster customer service responses. Agentic AI breaks that pattern entirely. Instead of waiting for explicit prompts or manual triggers, these systems autonomously plan and execute sequences of actions in pursuit of defined goals, operating across multiple steps without constant human supervision.

Three types of AI, three different approaches

The distinction matters more than industry jargon might suggest. Each AI type operates differently, and understanding these differences helps explain why agentic systems represent such a significant shift.

Generative AI responds to prompts: Ask it to write product descriptions, and it delivers content. Predictive AI analyzes patterns and suggests what might happen next — useful for inventory planning or demand forecasting. But agentic AI operates more like a seasoned store manager who notices problems, develops solutions, and implements fixes without waiting for approval on every decision.

The systems often work together. An agentic AI managing inventory might use generative AI to create reorder communications and predictive AI to forecast demand. But the agentic system orchestrates the entire process —  while maintaining human oversight where needed.

But agentic AI operates more like a seasoned store manager who notices problems, develops solutions, and implements fixes without waiting for approval on every decision.

How these systems actually work in stores

Picture a typical inventory challenge: a popular item sells out faster than expected across multiple locations. Traditional systems flag the stockout. Agentic AI does more.

It perceives the problem by gathering data across channels — point-of-sale systems, warehouse inventory, supplier lead times, even local event calendars that might explain unusual demand. Then it plans a response, weighing options like expedited shipping, product substitutions, or dynamic pricing on similar items. Finally, it acts — placing emergency orders, adjusting displays, updating online inventory, and sending targeted notifications to customers.

This three-step cycle — perceiving, planning, acting — happens continuously. The AI adapts as conditions change, learning from outcomes to refine future decisions. What makes this powerful isn't the speed of any single decision, but the system's ability to ingest real-time data across channels, apply business rules, and trigger coordinated responses without human bottlenecks.

How these systems actually work in ecommerce

Now picture a digital storefront instead of a physical aisle. A surge in traffic hits a product page after a social post goes viral. But conversion starts to dip. Cart abandonment climbs. Traditional ecommerce tools surface the metrics after the fact. Agentic AI intervenes in real time.

It perceives what’s happening by synthesizing signals across the ecommerce stack — browsing behavior, search queries, inventory availability, pricing elasticity, promotion performance, customer history, and even external signals like referral sources or time-of-day patterns. It recognizes not just that something is off, but why: friction in checkout, a mismatch between demand and inventory, an offer that’s no longer compelling.

Traditional ecommerce tools surface the metrics after the fact. Agentic AI intervenes in real time.

Then it plans a response. The system evaluates options such as adjusting merchandising rules, reprioritizing product recommendations, testing alternative offers, modifying bundles, or reallocating traffic to similar SKUs. It weighs margin impact, likelihood of conversion, and downstream effects before choosing a path forward.

Finally, it acts — dynamically updating the site experience, personalizing offers, rerouting traffic, adjusting pricing or promotions, and coordinating changes across channels without waiting for manual intervention.

This “perceive–plan–act” loop runs continuously. As shoppers respond, the system learns which actions drive outcomes and refines its future decisions. The power isn’t just automation — it’s orchestration: an AI that understands intent, context, and tradeoffs, and can adapt the ecommerce experience moment by moment as conditions change.

Where AI agents are already working

Retail operations move at the speed of consumer demand. Miss a stockout by hours, misread a pricing trend, or fail to respond to competitive pressure — and margins suffer. AI agents are stepping into these gaps, handling tasks that would traditionally require constant human oversight.

These aren't experimental pilots anymore. Retailers are seeing measurable results across critical areas where autonomous decision-making creates competitive advantage.

New product launch intelligence

Product launches fail at alarming rates, often because problems go undetected until it's too late. AI agents change this by monitoring performance continuously rather than waiting for weekly reports.

Retailers are seeing measurable results across critical areas where autonomous decision-making creates competitive advantage.

Picture a new skincare line launching online and across 200 stores. Instead of relying on category managers to spot underperformance weeks later, AI agents benchmark against comparable products in real time, identify geographic patterns, and flag issues within days. When performance lags in specific markets — say, due to poor shelf placement or weak local promotion — the system can automatically increase promotional frequency while alerting store operations to address placement issues.

The difference is speed. Traditional reviews happen monthly; AI agents adjust daily.

Inventory reality checks

Phantom inventory — the gap between what systems show and what's actually on shelves and in warehouses — quietly drains profits. Traditional audits catch these discrepancies too late, after weeks of lost sales.

AI-powered monitoring creates a different dynamic:

  • Real-time detection of empty slots, misplaced items, and expired products
  • Cross-validation between RFID scans, POS data, and shipment records
  • Automatic triggers for restocking and corrective actions 

The impact is dramatic. Retailers implementing these systems have cut stockout duration from roughly 12 hours to under one hour, while pushing planogram compliance from 60% to 95%.

Sales analysis at machine speed

Category managers traditionally spend hours each week manually analyzing performance data. AI agents handle this analysis autonomously, identifying key drivers and preparing actionable recommendations.

More importantly, these systems enable scenario simulation — testing different strategic decisions without waiting for manual updates. Decision-making time drops from days to minutes, freeing managers to focus on execution rather than data gathering.

Promotion planning

Two-thirds of retail promotions fail to generate incremental value. AI agents address this through systematic optimization:

  • Dynamic pricing that recalculates hourly based on elasticity models and live market data
  • Promotion engines to simulate thousands of potential outcomes
  • Real-time offer systems delivering contextual promotions matched to specific situations

Retailers implementing AI-driven pricing see profit margin increases of 2 - 7% within the first year, with revenue uplifts averaging 5-15%.

Competitive defense

When competitors open new stores, introduce new product lines, or launch new campaigns, market share shifts quickly. AI agents provide early warning systems that identify threats, forecast impact, and recommend defensive strategies.

These systems can automatically implement tactical responses — price adjustments, targeted promotions, digital marketing boosts — to protect market position. The analysis draws from historical competitor data and runs simulations to ensure retention strategies resonate with at-risk shoppers.

Post-purchase: The next frontier for agentic AI

If agentic AI is reshaping how retailers sell, its next and most transformative chapter will unfold after the buy button is clicked. Post-purchase has long been treated as a reactive phase: a set of disconnected workflows designed to respond when something goes wrong. But it’s also where customer emotion peaks, operational complexity converges, and brand trust is either reinforced or quietly eroded.

That combination makes post-purchase uniquely fertile ground for autonomy. The signals are rich and continuous — orders, shipments, exceptions, returns, claims, communications — and the stakes are high. Small failures cascade quickly into support costs, shopper dissatisfaction, and margin loss. An agentic approach promises something fundamentally different: systems that don’t just report issues, but anticipate them, reason through tradeoffs, and take action before anxiety sets in or value leaks out.

What makes this frontier so compelling isn’t just efficiency — it’s leverage. Post-purchase touches every part of the retail business: operations, customer experience, revenue retention, and loyalty. Applying agentic intelligence here has the potential to turn one of retail’s most fragile moments into one of its most strategic. And while the industry is only beginning to explore what that looks like in practice, the direction is clear: The future of agentic commerce doesn’t stop at checkout—it accelerates beyond it.

How autonomy protects margins and loyalty

Agentic commerce may sound futuristic, but the economic impact is already playing out. When intelligent systems can sense friction early, evaluate options in real time, and act without waiting on human intervention, retailers gain something rare: control in an environment defined by volatility. Demand spikes, supply constraints, pricing pressure, and shifting shopper behavior can be managed as they happen, not after the damage is done.

Autonomy reduces the operational drag that quietly erodes margins — manual overrides, reactive promotions, misaligned inventory decisions, and one-size-fits-all experiences that fail to convert. Instead of chasing issues across disconnected tools, retailers can orchestrate smarter decisions across merchandising, pricing, inventory, and customer engagement. The result is less waste, fewer missed opportunities, and more consistent performance during both everyday operations and peak moments.

Autonomy reduces the operational drag that quietly erodes margins — manual overrides, reactive promotions, misaligned inventory decisions, and one-size-fits-all experiences that fail to convert.

Just as importantly, autonomy builds trust. Shoppers encounter experiences that feel intentional, responsive, and relevant — products that are available when promised, offers that make sense, and interactions that adapt to their needs. Over time, that consistency turns into confidence. And confidence drives repeat behavior, higher lifetime value, and steadier revenue. In a retail landscape where small inefficiencies scale quickly, autonomy isn’t about replacing humans — it’s about building a more resilient, profitable, and sustainable way to operate.

The path forward

The shift toward autonomous commerce is no longer a question of if, but when. Smart retailers are already seeing the results — profit margins up 2-7%, stockout durations slashed, repeat purchases climbing 40%. But these early wins only hint at what's possible when AI agents handle the routine work and humans focus on what they do best: understanding customers and building relationships.

What we're witnessing isn't just operational automation — it's the emergence of a new commerce model where technology anticipates needs, solves problems before they surface, and creates seamless experiences that feel personal rather than processed. The retailers who recognize this shift early will be the ones who thrive as shopping behavior continues to evolve.

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