PROG Holdings, Inc.PRG

PROG Holdings plans to invest in AI enablement and agentic automation as it shifts from modernization.

“2026 INVESTOR DAY 74 Building on a Track Record of Digital Investments Moving from Fragmented Systems to a Unified, Cloud-based Platform Where We Were ▪ Large number of custom- built apps (“band-aids”) ▪ 17 different tech stacks leading to difficult scaling and long deliver times ▪ Focus on modernizing the foundation while keeping the lights on Where We Are ▪ One unified Leasing tech stack ▪ New core leasing system being implemented ▪ All critical applications hosted in the cloud ▪ Shifting from foundational modernization to automation and AI Where We Are Going ▪ Investing in AI enablement and agentic automation ▪ Accelerating time to market through more strategic investments ▪ Creating compelling customer experiences through a unified view of customer ▪ Improving stability, speed, and flexibility to drive innovation”

PROG Holdings lists AI-based affiliate checkout assistant and agentic commerce as key priorities.

“2026 INVESTOR DAY 77 Removing Friction to Deliver Exceptional Consumer Shopping Experiences Creating Experiences that Open the Doors to Growth and Scale KEY PRIORITIES 1 Personalized Cart Nurturing Creating a retail experience that is seamless and personalized for consumers Streamlined and Universal Decisioning Driving customer approvals based on a holistic view of their needs across products2 AI-based Affiliate Checkout Assistant Making it easier for consumers to purchase products through affiliate partners3 Self-service Expansion Expanding AI chatbots and transactional chat, while exploring agentic commerce4 OPPORTUNITY Seamlessly provide a full suite of products to consumers when and where they need them. Extending Our Digital and Data Capabilities”