Tuesday, 29 April 2025

AI vs Your Wallet: How Algorithms Are Secretly Setting Prices?

 



The $23 Million Book and the Rise of Robot Retailers:

Imagine browsing Amazon and stumbling upon a book priced at an astonishing 23 million dollars. This sounds like a glitch, right? Nope. this was AI pricing in action, caught in a bidding war itself. While this example is rare, it highlights a growing reality: AI is now the invisible shopkeeper, setting prices in ways humans never could.  

But is this making markets fairer or is it pushing up prices in ways we don’t even notice. Let’s dive into the economics behind AI-driven pricing and what it could mean for your (online) wallet! 

The Science of Dynamic Pricing

So, how do AI prices get set in real time? AI pricing algorithms analyse mountains of data, from competitor prices, demand spikes, holidays to even the weather (Symson, n.d.). The aim is to adjust prices instantly.

What might this look like in a real-life situation? Well, an airlines flight from London to New York cost £396 in March but soared to £1.600 in December during the peak time of holiday travelling (Google Flights, 2025). Or if you’re into technology – Google Pixel bundles dropped to £250 in December to clear old stock after new models launched (camelcamelcamel, 2025).

This AI pricing strategy sounds pretty good, right?

Businesses love to use AI pricing because as you can imagine, AI reacts much faster than humans. Uber prices double during rush hour, something that you may have even noticed when trying to book an Uber back late in the evening. It is also great as a method of inventory control. AI can lower prices when stockpiles up, like post-holiday gadget discounts being a popular method of profit maximising.  

But is AI pricing maximising customers benefits?

We conducted a survey within the University of Manchester, where we asked students multiple questions on AI pricing. We found that 46.8% of respondents thought AI-pricing is fair to consumers, a further statistic showed that 44.2% of respondents said they didn’t trust companies to use AI pricing ethically. There are several reasons why these results lean against AI pricing, let's take a deeper look into the negatives of algorithmic pricing.  

The Dark Side of Algorithmic Pricing

AI doesn’t just set prices; it plays mind games with its competitors. For instance, when Amazon lowers prices, Walmart’s algorithms will often follow since they are in close competition with Amazon. In economics this could be described as signalling, Amazon lowers their price so for the market to remain competitive, Walmart will follow.  

In the survey we conducted, 62.3% of students believed that AI pricing algorithms do make markets more competitive – to some extent this is of course, true. However, sometimes it does the complete opposite.

In 2023, the FTC sued Amazon for allegedly using AI to coordinate price hikes with rivals, without any human conspiracy (Federal Trade Commission v Amazon.com Inc., 2023). These price hikes drive prices away from the optimal level for collective benefit, disrupting what welfare economist call the Pareto-efficient outcome, which is a situation where you can't make anyone better off without making someone worse off.

Some argue that AI pricing is extremely unfair because it allows companies to raise prices in a way that reduces consumer welfare, in other words, we may not be getting the best deal possible! There are also concerns about the lack of transparency in these pricing models, in our survey we asked how transparent AI-driven pricing is for consumers and 45.5% of students responded that it was somewhat unclear with a further 29.9% responding that it was very unclear. Within economics, this displays the concept of asymmetric information and market failure – which arises when consumers aren’t fully aware of the information needed to make choices that will best suit us. 

The Manchester Student Survey – What Did Students Have to Say?

AI pricing might be an obvious discussion point for someone who has a keen interest in economics, but we wanted to know what non-economist students had to say about this topic. 

The transparency crisis is something that stood out to us, more than half of students finding AI prices to be very unclear, and an additional comment being “I spend hours comparing prices – it's exhausting”. This does raise a question – is AI pricing beneficial if consumers must sacrifice their time searching for the best price. 


Only 22% of students trust companies to use AI ethically, and students’ biggest fears were higher prices for consumers and unfair treatment of certain groups, in economics we call this price discrimination – which can be used to benefit certain groups but in the case of AI it may introduce inequality and consumer exploitation. There is no wonder that our survey results leant more towards a fear of AI pricing, consumers want the best price possible, and it can be hard to trust a system that is built upon profit maximisation. The question is, who really wins this pricing game? 

Who Wins the AI Pricing Game?

AI can boost efficiency but risks hindering consumer welfare, the difference between what you’re willing to pay and what you pay. AI isn’t inherently evil – it is a tool. But an insightful comment left from one student was “If we let robots set prices, whose holding them accountable?”  

Whilst there are obvious benefits to businesses using AI pricing, it must be in the best interest of the consumer. Having said this, AI pricing is here to stay, but its impact depends upon transparency and regulation. 74% of students demand oversight, the question isn’t if we’ll regulate AI pricing – it’s how.  

So, what do you think? Should algorithms decide what’s fair, or should humans keep control?

References

camelcamelcamel. (2025, March 9). Google Pixel 7a and Pixel 30W Charger Bundle . Retrieved from camelcamelcamel: https://uk.camelcamelcamel.com/product/B0BYZFBQR1?context=search

Federal Trade Commission v Amazon.com Inc., 2:23-cv-01495-JHC (United States District Court Western District of Washington November 11, 2023).

Flights, G. (2025, March 9). Flights from London Heathrow to New York JFK. Retrieved from Google Flights : https://www.google.com/travel/flights?tfs=CBwQARoSagcIARIDTEhScgcIARIDSkZLGhJqBwgBEgNKRktyBwgBEgNMSFJAAUgBcAGCAQsI____________AZgBAQ&tfu=KgIIAw&hl=en-GB&gl=GB

Symson. (n.d.). How Does AI Pricing Algorithm Work. Retrieved from https://www.symson.com/blog/pricing-algorithm

 

No comments:

Post a Comment

Note: only a member of this blog may post a comment.