September 4th 2026

The Great Catalog Race: Five Foundations of AI-Ready Commerce

What if the biggest opportunity in AI commerce is not what happens next year, but what businesses do today?

AI is changing how consumers discover products, compare options and make purchasing decisions. Increasingly, the starting point is not a search engine or a retailer's homepage, but a conversation with an AI-powered assistant.

For merchants, this creates a new question: how do you make sure your products can be discovered, understood and ultimately purchased in this new environment?

The opportunity is still relatively open. Many product catalogues are not yet structured for AI-powered discovery, while consumer behaviour is evolving quickly.

It is a little like the early days of search. Businesses that invested early in making their digital presence easy to find and understand had a head start as search became part of everyday commerce.

The same principle may now apply to AI-powered shopping.

Today

  • Fewer products are optimised for AI-powered discovery
  • Product data is often fragmented across systems
  • The cost of improving the foundations can still be relatively low
  • Businesses have an opportunity to learn what works before the space becomes more competitive

Further ahead

  • More businesses will be competing for visibility in AI-generated recommendations
  • Product data and content will need to be continuously maintained
  • The customer journey may increasingly move from discovery directly towards transaction
  • Businesses that have invested in their foundations will be better positioned to adapt

The key point is not to predict exactly how AI commerce will evolve. It is to make sure your business is ready for it.

Why traditional SEO is only part of the picture

Consider a customer asking an AI assistant:

"I need shoes under €200 for a June wedding that work with a long blue dress."

The assistant needs more than keywords to provide a useful answer. It needs reliable information about products, availability, price, specifications, reviews and potentially delivery and returns.

This changes the role of digital content.

Search engine optimisation remains important, but businesses increasingly need to think about how their products and services can be understood by AI systems as well as discovered by search engines.

This is where concepts such as Answer Engine Optimisation, or AEO, come into play.

The objective is not simply to rank for a query. It is to provide the structured, reliable and relevant information that helps an AI system understand what you offer and when it may be relevant to a customer.

The five foundations of AI-ready commerce

Most businesses already have some of these elements. The challenge is bringing them together.

  1. Product data
    Accurate and complete product information is the starting point.
    That means identifiers such as GTINs, up-to-date prices and availability, complete variants and regular checks to make sure feeds remain accurate.
  2. Product content
    Product information needs to answer the questions customers actually ask.
    Clear descriptions, specifications, comparisons and customer reviews can all help provide the context an AI system needs to understand a product.
  3. Technical foundations
    Structured data and a technically sound website make product information easier for digital systems to interpret.
    Fast page performance, consistent metadata and reliable data feeds are increasingly important parts of the foundation.
  4. AI visibility
    Being discoverable is only part of the challenge.
    Buying guides, comparison content, FAQs and other useful resources can help businesses provide context around their products and answer the questions customers may ask before making a purchase.
    The key is to keep this content accurate and relevant as products, prices and customer needs change.
  5. Agent-ready commerce
    The final step is connecting discovery with action.
    As AI-powered shopping develops, businesses will need to consider how an AI assistant can move from recommending a product to helping a customer complete a purchase.
    This makes APIs, digital wallets, secure payment experiences, delivery information and clear returns policies increasingly relevant.

For payments providers, this is particularly important. Discovery and transaction are becoming more closely connected, and the payment experience needs to work as naturally as the conversation that led to it.

The opportunity is not the same for every business

There is no single AI commerce strategy.

For products that are frequently compared, such as clothing, consumer electronics or everyday goods, visibility and accurate product information may be the priority.

For considered, premium or highly differentiated purchases, the challenge is different.

Here, businesses need to make sure that AI systems have enough reliable information to represent the brand, product and value proposition accurately, without reducing a complex purchasing decision to a simple price comparison.

In both cases, the foundations are similar: high-quality data, useful content, strong technical infrastructure and a frictionless path to purchase.

What changes is how those foundations are used.

From product discovery to purchase

The bigger shift is not simply that AI may become another way for customers to discover products.

It is that the distance between discovery and transaction could become much shorter.

Today, a customer might search for a product, visit several websites, compare prices, read reviews and eventually complete a purchase.

Tomorrow, an AI assistant could potentially bring many of those steps together.

For businesses, that means the traditional boundaries between marketing, commerce, technology and payments may become increasingly connected.

The brands that prepare now will have more opportunity to test, learn and adapt as the technology develops.

The opportunity is to be ready, not simply to be first

There is understandable excitement around AI commerce, but businesses do not need to predict exactly what the next 12 months will look like.

They need to make sure their foundations are ready for change.

Clean product data. Useful content. Strong technical infrastructure. AI-readable information. Secure, seamless payments.

These are not separate AI projects. They are increasingly part of a broader digital commerce strategy.

And as AI changes how customers discover and buy, the businesses that connect information, experience and payment will be in the strongest position to turn that change into an opportunity.

FAQ

Agentic commerce is a model in which AI systems can take actions autonomously on behalf of users or businesses, while still operating with human oversight.

AI helps improve fraud prevention, customer care, personalization, onboarding, and operational efficiency across the payments value chain.

Governance helps ensure AI is deployed responsibly, complies with regulation, and remains trustworthy in high-stakes environments.

Select language