Meta’s Muse AI agent is helping users identify recurring subscriptions and cancel services they no longer want after gaining access to banking and credit card statements.
The feature targets a part of consumer spending that has expanded in recent years. Mastercard and FT Strategies found average annual subscription spending reached $1,887, or about $157 a month, while 44% of US consumers increased such spending in 2025.
Research from Stanford University suggests subscription businesses can benefit heavily when customers forget to cancel or face friction when trying to leave.
Economics professor Neale Mahoney said consumers were about four times more likely to cancel when forced to make an active decision.
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AI agents could reduce both inertia and cancellation friction by surfacing recurring charges automatically. The effect may extend beyond subscriptions.
Apollo chief economist Torsten Slok argued that personal AI agents could eventually move household cash towards higher-yielding accounts, potentially reducing banks’ access to cheap deposits.
Subscription-management company ScribeUp says its members are now 1.8 times more likely to start a cancellation than a year ago. Its median user has more than 12 recurring payments, while one in four has at least 20.
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Meta’s broader Muse strategy also faces limits. Amazon has blocked the agent from shopping on its platform, while privacy concerns remain around giving AI access to financial information.
Recurly data found 43% of consumers were comfortable with AI managing subscriptions. Its research also showed that three in four customers who paused a subscription later returned.
