If the Buyer Can Research Everything Without You, What Are They Paying the Salesperson For?
Why the value of a salesperson is shifting from providing information to helping customers understand problems, evaluate options, and make better decisions.
There was a time when talking to a salesperson was one of the primary ways a buyer learned about a product or service. The salesperson knew the specifications, explained the differences between options, answered questions, and provided information that was difficult for the customer to find anywhere else. Access to information was part of the value the salesperson brought to the relationship.
That advantage has largely disappeared. Today’s B2B buyers can research products, compare competitors, read reviews, watch demonstrations, explore pricing, consult their networks, and increasingly use AI to gather and analyze information before ever speaking with someone in sales. McKinsey’s research reflects just how fragmented the modern buying journey has become, with B2B customers now using an average of ten interaction channels as they move through the purchasing process.
Yet that doesn’t mean buyers no longer want salespeople involved. McKinsey’s findings point toward something more interesting: buyers continue to move between digital self-service, remote interactions, and traditional human engagement depending on what they need at a particular point in the journey. The salesperson hasn’t disappeared from the process. The value that salesperson needs to provide has changed.
Information Is Everywhere. Understanding Is Harder.
Having more information does not necessarily make a complex buying decision easier.
A buyer researching a significant B2B purchase may encounter competing claims, dozens of possible solutions, different pricing structures, technical considerations, implementation questions, and vendors that all appear capable of solving the problem. AI can make that research faster, and emerging agentic commerce may eventually allow technology to perform even more of the discovery, comparison, and transactional work buyers currently handle themselves.
What technology cannot automatically provide is a deep understanding of the individual organization making the decision. Two companies shopping for the same solution may have completely different operational challenges, priorities, cultures, budgets, timelines, or definitions of success. That is where a knowledgeable salesperson has an opportunity to create value that goes beyond simply explaining what the company sells.
The conversation becomes less about delivering information and more about helping the customer interpret it. A strong salesperson can ask questions the buyer hasn’t considered, recognize an underlying problem the customer is describing imperfectly, identify tradeoffs between possible approaches, and connect a proposed solution to the business outcome the customer is actually trying to produce.
Buyers Expect the Salesperson to Know More Than the Product
Research from Sales Growth reinforces this shift in expectations. In its examination of what B2B buyers want from salespeople, buyers placed significant value on credibility and on sellers who understand their business problems. The research found that 82 percent of respondents considered credibility more important than likability.
That distinction matters because sales organizations have traditionally placed enormous emphasis on relationship skills. Relationships still matter, particularly in complex sales where trust develops over time. But being personable is not the same thing as being valuable.
A salesperson who understands the product but not the customer’s business may struggle to add much beyond what the customer can already discover independently. A salesperson who understands both can help the buyer think differently about the decision. That requires preparation, curiosity, industry knowledge, thoughtful questions, and enough business acumen to understand how the customer’s problem connects to larger organizational priorities.
In that environment, expertise becomes part of the sales experience.
The Value Exchange Has Changed
Walter Bond teaches that strong business relationships are built on a Value Exchange. For a relationship to remain valuable, both sides have to understand what they are receiving from the interaction.
That creates an important question for modern sales organizations: What does the customer receive from interacting with our salesperson that they could not easily get somewhere else?
If the answer is product information, that value has become easier to replace. If the answer is a generic presentation or a walkthrough of information already available on the website, the customer may reasonably prefer to continue researching independently.
But if the salesperson helps the customer understand the problem more clearly, avoid an expensive mistake, identify an opportunity, evaluate competing priorities, or build confidence around a complicated decision, the exchange becomes much more meaningful. The seller is no longer functioning primarily as a source of information. They are contributing judgment.
That is a harder form of value to automate because it depends on context.
AI Raises the Standard for Human Selling
The emergence of AI and agentic commerce makes this shift more urgent, not less. Deloitte has explored how AI agents could increasingly participate in B2B commerce by performing tasks across the buying journey, potentially including discovery, evaluation, negotiation, and purchasing activities.
Sales organizations could interpret that development as a threat to the human salesperson. A more useful response is to examine which parts of the sales process technology can handle well and where human involvement becomes most valuable.
If AI can perform preliminary research in seconds, a salesperson should not spend the customer meeting reciting basic information. If the buyer can compare product features independently, the salesperson can spend more time understanding why particular features matter in that organization’s environment. If technology can automate routine follow-up, the seller has more capacity to prepare for meaningful conversations and develop stronger relationships.
The bar for human interaction rises as routine work becomes easier to automate. Customers have less reason to tolerate a sales conversation that doesn’t add anything to what they already know.
Better Questions Become a Competitive Advantage
Salespeople are often trained extensively on how to present answers. Modern B2B selling may place even greater value on knowing what to ask.
A customer might arrive saying they need a particular product, service, or capability. A capable salesperson can explore what prompted the search, what the organization has already tried, where the current approach is breaking down, who is affected by the problem, what happens if nothing changes, and what a successful outcome would actually look like.
Those questions accomplish more than qualifying the opportunity. They help both sides determine whether there is a meaningful problem worth solving and whether the seller is equipped to help solve it.
This also protects the sales organization from pursuing business that isn’t a strong fit. If the objective is simply to convince every prospect to buy, discovery becomes a step on the way to the pitch. If the objective is to create genuine value, discovery becomes a way to understand whether there is a valuable exchange available for both sides.
That can produce a different kind of sales conversation—one built around diagnosis before prescription.
The Sales Playbook Has to Develop the Person, Not Just the Process
Organizations can respond to the changing buyer journey by adding technology, redesigning sales stages, creating better content, and giving representatives access to more customer data. Those improvements can strengthen the Playbook, but they do not automatically create salespeople capable of delivering greater value.
That requires development.
Representatives need to understand the industries they serve, the business problems their customers face, and the outcomes their solutions can influence. They need enough confidence to move beyond a memorized presentation and enough curiosity to explore what is actually happening inside the customer’s organization. Managers can coach those capabilities just as deliberately as they coach pipeline management, prospecting, and closing.
This is where the Roster becomes critical. If the market expects more from salespeople, the organization has to develop people who are capable of providing more.
The strongest sales organizations may increasingly distinguish themselves not by having access to better information than everyone else, but by having people who know what to do with that information.
Human Interaction Has to Earn Its Place in the Journey
McKinsey’s research is important because it prevents an overly simple conclusion about the future of B2B sales. Buyers have not universally chosen digital channels over people. Instead, they move among channels and expect organizations to meet them effectively across the entire journey.
That means the goal should not be forcing human interaction into every stage of the process. There are moments when self-service is faster and more convenient, and customers should be allowed to use it. There are other moments—particularly when decisions become complicated, consequential, or uncertain—when an informed human conversation can create significant value.
Sales leaders should therefore think carefully about where their representatives belong in that journey and what customers should gain when they arrive there. A salesperson who interrupts a self-directed buying process simply to deliver information creates friction. A salesperson who enters at the right moment with insight, context, judgment, and understanding can make the decision easier.
The difference is the value created by the interaction.
Give the Buyer a Reason to Need the Conversation
The modern buyer has more options for avoiding salespeople than ever before. That reality doesn’t have to diminish the role of sales. It can force sales organizations to become clearer about what exceptional selling actually looks like.
The salesperson’s advantage is no longer knowing something the customer cannot possibly find. Increasingly, it comes from understanding the customer well enough to help make that information useful. It comes from connecting facts to context, products to problems, and capabilities to outcomes.
Technology will continue changing how buyers research, evaluate, and purchase. Sales organizations should embrace those changes where they make the experience better. At the same time, they should invest just as deliberately in developing salespeople whose expertise, curiosity, judgment, and understanding make human interaction worth choosing.
When customers can find almost everything without talking to you, the question is no longer whether your salesperson can provide information.
It’s whether the conversation makes the customer better equipped to make the right decision.
Technology Investment Is Not the Same as Progress
Banks have invested significantly in technology, but investment alone does not guarantee better business outcomes. McKinsey’s analysis of technology spending in banking argues that institutions can struggle to articulate the actual value created by those investments. The firm recommends connecting technology initiatives to specific corporate priorities and measurable business outcomes rather than treating modernization as an objective in itself.
That distinction becomes especially important as banks consider investments in AI, mobile applications, automation, employee platforms, and other digital capabilities. A new technology may be impressive, but the more useful question is what it enables the organization to do better.
Does it strengthen customer relationships? Improve service? Help employees make better decisions? Create new opportunities for growth? Reduce friction? Increase customer loyalty?
McKinsey’s research also makes an important point about execution: technology is an enabler of broader business transformation. Capturing its value can require changes to business processes, employee adoption, marketing, and even the people an institution hires.
In other words, technology changes the Playbook, but people still have to execute it.
Customers Are Changing, Too
The pressure to adapt is not coming from technology alone. Customer behavior is changing alongside it.
Deloitte’s 2026 research involving 2,027 U.S. banking customers found satisfaction levels across generations ranging from 93% to 95%. Yet Gen Z and millennials demonstrated the greatest risk of switching primary banks. For younger customers in particular, satisfaction does not necessarily translate into loyalty.
Their financial lives are also increasingly distributed across multiple applications and providers. Consumers may use one platform for banking, another for investing, another for budgeting, and still another for payments or other financial needs. Deloitte found that nearly 70% of the Gen Z and millennial customers surveyed had authorized their banks to share data with other financial providers.
That creates an interesting challenge for traditional financial institutions. A customer can be satisfied with a bank while simultaneously becoming less dependent on it.
Banks therefore have to compete for more than customer satisfaction. They have to continually demonstrate value.
AI Creates a New Test of Trust
Generative AI adds another layer to this changing relationship.
In a separate 2026 study of nearly 2,600 U.S. banking customers, Deloitte found that consumers are already using generative AI to research financial products, but they remain cautious about how much authority they are willing to give it. Among respondents, 72% expressed concern about sharing information about their financial situation with generative AI tools, and only 46% trusted the accuracy of banking recommendations generated by those tools. By comparison, 79% trusted information found on their banks’ own websites.
The findings become even more revealing when AI moves from providing information to taking action. Eighty-three percent of respondents said they would feel anxious about an AI agent taking action on their finances without their approval.
Yet consumers are not simply rejecting the technology. Among generative AI users surveyed by Deloitte, 58% had already used it to research banking products. Adoption was also considerably higher among younger customers.
That tension is important. Customers appear interested in the convenience and capabilities AI provides while remaining cautious about accuracy, privacy, control, and oversight.
For banks, the opportunity may not be to choose between technology and trust. It may be to determine how technology can strengthen the experience without weakening the trust that already exists.
Stay Firm on the What. Stay Flexible on the How.
Walter Bond addresses this tension through one of the principles in his Shark Mindset: sharks stay flexible.
He calls it adaptability with conviction.
“The goal doesn’t move. The path can move all it wants.”
His point is not that organizations should change direction every time something becomes difficult. It is that strong leaders understand the difference between abandoning the destination and adjusting the route.
Walter puts it another way: stay rock solid on the what, but loose and creative on the how.
That principle has particular relevance for banking right now.
AI can change how customers research financial products. Automation can change how work gets done. Mobile technology can change how customers interact with their financial institutions. New platforms can change what consumers expect from a banking experience.
Those changes deserve attention. Some require significant changes to the Playbook.
But they do not necessarily change the Target.
Target → Playbook → Roster
A bank’s Target should define the results it is trying to produce. Depending on the institution, that may include sustainable growth, stronger customer relationships, increased deposits, greater efficiency, customer loyalty, stronger communities, or long-term financial value.
The Playbook defines how the organization intends to produce those results. This is where banking is experiencing enormous change. AI, automation, digital platforms, data, personalization, and evolving customer expectations are creating new possibilities and making some older approaches less effective.
Then comes the Roster: the leaders and banking professionals responsible for executing that Playbook.
This is where digital transformation can become a leadership and organizational-development issue rather than simply a technology initiative. Employees need to understand not only how to use new tools, but why those tools matter, what outcomes they are intended to improve, and how their own roles contribute to those outcomes.
The strongest technology strategy will accomplish little if the people expected to execute it do not understand it, adopt it, or believe in the Target behind it.
Modernization Needs a Destination
Banking will continue to change. Generative AI will become more capable. Digital experiences will become more sophisticated. Customer expectations will continue to evolve, and the competitive landscape will likely become even more complex.
Banks cannot respond by protecting every part of yesterday’s Playbook. But neither should they confuse adopting the newest technology with making progress.
The institutions positioned to create lasting value will be those that know what they are trying to accomplish, remain flexible about how they accomplish it, and develop people capable of executing as the environment changes.
The Playbook can change. In many cases, it should. But progress begins with knowing which Target all that change is supposed to help you reach.
Ready to Make Progress?
Walter Bond works with sales leaders and organizations to strengthen alignment, accountability, leadership, and execution—helping sales teams create greater value, develop stronger customer relationships, and build a Roster equipped for the way today’s buyers make decisions.