If you assume that every good or service can be infinitely commoditized, then yes, perhaps this will hurt businesses that use this kind of technology.
Realistically though this just isn't the case and there are a lot of products, commodities and services that are unique in their own right and dont't have that kind of competition. So your Visa and Mastercard example is completely moot.
For example, you wouldn't really tell this agent to get you "the best rated shooter game on steam" because that's just not how purchasing decisions in gaming are made.
And on that point, from reading their announcement this sounds more like what critics of AI have been talking about, are you seriously going to automate something that gives you _pleasure_? Like selecting a game that you want to play? Wtf? Because in the scenario youre describing, thats exactly whats happening.