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PYMNTS.com

Treasury Calls for Programmable Financial Enforcement Across Crypto DeepSeek Seeks $20 Billion Valuation as Tech Giants Weigh Investment Google Accelerates Agentic AI Shift With New Enterprise Platform OpenAI Begins Briefing Governments on Cybersecurity Capabilities DeFi Security Suffers New Blow With $3 Million Volo Exploit Uninvited Users Access Anthropic’s Mythos AI Model Block and Uber Expand Partnership Across Several Global Markets OpenAI Pledges $1.5 Billion to PE Enterprise AI Project Podcast: Inside the $9 Billion DeFi Hack That’s Shaking Crypto’s Foundations Synchrony CFO Flags Momentum in Spending and Credit Banks Risk Slowing the Emerging Middle Market Firms Driving Growth Paysafe Expands Digital Wallet Availability Across 18 European Markets Bad Data Can Break Good AI in Payments 50% More Digital Shopping Days Put Parents at the Center of Retail’s Shift 65% Call Insurance Essential. Why Most Spending Isn’t So Clear-Cut Amazon Recasts Marketplace Fraud as a Broader Trust Problem Capital One’s Q1 Shifts Attention From Spending to Strategy Lawmakers Question JetBlue About Surveillance Pricing Allegations Small Businesses Stop Chasing Amazon on Delivery Speed Google Embeds AI Into Chrome for 3.5 Billion Users Adobe Plans Outcome-Based Pricing for New AI Product Suite UnitedHealth Spends $1.5 Billion on AI and Wants Double Back MiCA Forces Crypto Firms to Get Licensed or Get Out Prediction Market Kalshi Targets Crypto Perpetuals New York Sues Coinbase and Gemini Over Prediction Markets Amazon and Anthropic Deepen Ties With Investment and Hardware Pact Agentic B2B Is Here. Are Your Contracts and Invoices Ready? Apple Hardware Leader John Ternus to Succeed CEO Tim Cook The Web Is Gaslighting AI Agents and Nobody Can Tell OCC Enters the Interchange Fight and Raises the Stakes Amazon Dismisses New Evidence in California Antitrust Suit AI Finds Its Best Customer on Main Street Coinbase Opens Services Marketplace for Agentic Commerce Feds Start Processing $127 Billion in Tariff Refunds for Importers Payments Modernization Is Insurance’s Next Big Margin Engine How Visa Is Rewiring Bank Infrastructure for the AI Era Instant Payments Grow but the Real Barrier Is Human The Old-School Card Product Banks May Need Most 43% of SMBs Would Pay to Make Purchases in Installments The Real AI Edge in Payments Comes From Better Judgment In the Age of Agentic AI, Data Control Is Power Verizon’s Dan Schulman Tells CEOs to Be Open About AI Job Cuts Walmart Eyes Stores as Warehouse Space for Same-Day Delivery France’s CB Payments Network Aims to Take on Visa/Mastercard in EU QVC Was TikTok Shop Before TikTok Shop Loop Raises $95 Million to Bridge Supply Chain Data Gap Cursor Eyes $50 Billion Valuation as AI Coding Demand Surges Commercial Lending Rescues Regional Banks From Consumer Slowdown Anthropic and White House Aim to Make Peace in Friday Meeting Home Depot Buys SIMPL Automation to Support Same-Day Delivery The Riskiest Words in B2B: This Is How We’ve Always Done It France Urges Euro Stablecoins to Break Dollar Dependency Importers Prep for Monday Opening of Tariff Refund Portal Permitting Hurdles and Labor Shortages Threaten AI Data Center Timelines Token Freezes Force CFOs to Rethink Stablecoin Risk X Money Tests Whether Social Commerce Can Hold Consumer Deposits Anthropic Briefs EU Regulators on Mythos Cybersecurity Concerns Welcome to Vibe Ordering, ChatGPT Is Taking Your Order Now Nvidia Says AI Can Finally Make Quantum Computing Work QVC Files Chapter 11 to Slash Debt and Pursue Growth Uber Eats Lets Customers Return Their Retail Purchases Financial Officials Sound Alarm About Anthropic’s Banking Risk 71% of Billion-Dollar Firms Face Agent Identity Threats OpenAI Targets Pharma Giants With Purpose-Built AI Model California Claims Amazon Punishes Sellers for Lower Prices on Other Sites CFTC Chairman Says AI Helps Agency Run More Like a Business Global Finance Chiefs Call for Mythos Information Sharing Big Bank Earnings Show Digital Activity Drives Deposits OCC Clears JPMorgan Chase After Trade Surveillance Program Upgrade Accounts Receivable Gets an AI Upgrade BNY’s AI Strategy Signals a New Era of Platform Banking Bank of England Probes AI Threats to UK Financial Stability Rising AI Adoption Is Driving Up Enterprise Costs Google Faces EU Order to Share Search Data With Rivals Delivery Robots Lead Grab’s AI Expansion Circle Chief Says China Could Issue Stablecoin in 3 to 5 Years Amex Acquires Hyper to Boost AI and Expense Management Offerings Anthropic Ready to Offer Mythos to British Banks Issuers Face a New Reality as Credit Goes Real Time How Payments Gaps Are Limiting Deposit Growth at Community Banks AI May Run Payments but Humans Still Own the Risk 90% of Millennials Feel Pressure at the Grocery Store The New Checkout Is Where the Best Offer Wins Apple Pushes Siri Programmers to Adopt AI Coding Tools Amazon Sellers Protest Policy Changes With One-Day Ad Boycott FanDuel and DraftKings Fund $41 Million Lobbying Effort by Super PAC Live Nation Loses Antitrust Case Brought by 33 States Fed Beige Book Finds Tax Refund Relief Running Into Higher Gas Prices Anthropic’s New Design Tool Rivals Adobe and Figma Goldman Sachs Seeks SEC Approval for New Bitcoin ETF What AI-Driven Attack Chains Mean for CFOs and CISOs Healthcare’s AI Boom Moves From Bedside to Back Office Accel Prepares to Pour $5 Billion Into Global AI Breakouts Nearly 4 in 10 Financially Stressed Shoppers Choose Walmart Over Amazon Synchrony Bets on Teachers to Fix Financial Literacy Mastercard’s Mark Barnett Says the Real Currency for SMBs Is Payment Timing SoFi Uses Galileo to Power Real-Time FedNow Transfers Palo Alto Founder Eyes Liberty Bank for AI Banking Experiment Surcharge Surge Hits Consumers as Fee Fatigue Sets In Walmart CFO Says Marketplace Revenue Up 20% Over 2025
Americans Make New Technology a Daily Habit at Record Speed
PYMNTS · 2026-05-10 · via PYMNTS.com

Cue the “2001: A Space Odyssey” theme: Human lives have always been shaped by new technology. You can track it (pardon the pun) from railroads to the internet to smartphones. Now, artificial intelligence is the latest tool transforming the way we live.

AI adoption just crossed an important line. Between December and January, the share of U.S. adults using AI for personal reasons leaped 5 percentage points to 54%, according to new PYMNTS Intelligence research. In other words, for all the backlash against the technology, most Americans are now using AI in their daily lives.

People aren’t just dabbling. Most of those users are mainstream or power users, performing eight or more tasks using AI each month. That’s a steep adoption curve. Take ChatGPT, the most popular consumer AI provider. PYMNTS data shows 83% of AI users have tried it at least once, and the platform wasn’t even made available to the public until the end of 2022.

This shift didn’t happen overnight. People might be more aware of their own AI usage when they’re, say, querying ChatGPT, but the technology has been part of Americans’ lives for some time now.

“One thing that surprises a lot of people is that they are already using a lot of AI without realizing it,” said Jason I. Hong, Ph.D., professor emeritus at the School of Computer Science at Carnegie Mellon University, in an interview with PYMNTS. “Any kind of speech recognition, search query, recommendation, news, map location, or online advertisement uses some form of AI. So, in that sense, AI is already here and has been for many years.”

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Hong added that the cloud computing infrastructure already built for other popular technologies such as social media and video streaming has made it possible for AI to catch on so quickly.

In that way, AI is significantly different from some of the past leaps forward in consumer technology, which often took longer to reach that tipping point. Consider home electricity.

The Electric Feel

People have always been skeptical of new technology. Home electricity took decades to catch on, and holdouts certainly had their reasons. In 1889, there was a real backlash after multiple people died, electrocuted by the new wires.

As one article in a December 1889 issue of Harper’s Weekly (via Shells and Pebbles) warned:

“As things are at present, there is no safety, and danger lurks all around us. It may never reach you, or you may go on for years unhurt, but when the moment comes you are killed instantly. … A man ringing a doorbell or leaning up against a lamp post might be struck dead any instant.”

Home electricity didn’t really take off until the 20th century. According to Yale University’s Energy History, the share of homes wired for electricity rose from 1 in 7 in 1910 to 7 in 10 by 1930. The shift happened first in cities, because utility companies could get more bang for their buck in densely populated areas.

AI works differently. It isn’t tied to physical infrastructure in the same way, so there’s less variation from country to city. Even for people living in rural areas, most (51%) use AI, while for city dwellers, that figure rises to 60%.

Wherever they may be, most American households already have what they need to use AI: Wi-Fi. Almost all U.S. adults — 96%, according to the Pew Research Center — use the internet.

Speaking of which, where were you when the internet age dawned?

The World Wide Web

The internet spread much faster than electricity did. Data from the International Telecommunication Union shows that, in 1991, 1.2% of the U.S. population used the internet. One decade later in 2001, that figure was up to nearly half (49%). By then, people were already shopping on eBay and Amazon. They might not have been able to ask ChatGPT their questions yet, but they could still ask Jeeves.

In the years after that, as people left the slow, screeching days of dial-up behind for the convenience of broadband, usage exploded even more. By 2005, more than 2 in 3 American adults were surfing the web. At that time, Yahoo had nearly 100 million monthly users. Google was growing by millions every month. That was also the year when SNL’s “Lazy Sunday” was first posted to YouTube, elevating digital streaming to new levels of visibility.

Still, it took until as recently as 2020 to reach the point where 90% of U.S. adults were using the internet.

Of course, the web also looks very different now than it did decades ago. With the rise of smartphones, the internet became part of people’s lives not just at home and at work, but wherever they went.

Hold the Phone

Smartphones went mainstream even faster. The first iPhone came out in June 2007, and by January 2013, more than half of all American adults said they owned a smartphone, per Pew. Now, 91% do.

The trend is clear: Adoption curves keep getting steeper. Even so, the pattern of technological revolutions hasn’t changed all that much.

“Revolutions in technology … follow a similar social arc. First, they are spectacular and overhyped. [Later,] they become integrated into the most fundamental aspects of our lives,” said Joshua Copeland, adjunct professor of information technology at Tulane University and director of cybersecurity at Crescendo, in an interview with PYMNTS. “The electric revolution mechanized the scale of power; the … internet revolutionized the scale of information; and [AI] is likely revolutionizing the scale of thought.”

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