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Rather than waste time and money driving to a brick-and-mortar store, many shoppers prefer to make purchases with a few keystrokes and a click or two of a mouse. To keep up with customers' shopping behaviors—and the widespread demand among consumers for convenience—credit card companies are beginning to target a new area of commerce: social networks.

Some 16 percent of online adults use Twitter, according to a 2012 report by Pew Research Center's Internet & American Life Project, yet social platforms offer a region of e-commerce that's been largely untapped by credit card companies. American Express is one company that's encouraging shopping on social networks; it launched a program in February that enables its customers to buy products directly on Twitter.

The service—available to those with Amex credit cards and a public Twitter account (prepaid and corporate cards are exempt)—is a simple process. Members sync their credit card to their Twitter account, then they can tweet special hashtags for products they wish to purchase. For example, last month American Express offered $25 Amex gift cards for $15. By using #BuyAmexGiftCard25 in a tweet, customers received a reply tweet from the @AmexSync account containing a confirmation hashtag. The customers had to tweet that hashtag within 15 minutes to purchase the product, which was subsequently shipped to their billing address.

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Leslie Berland, senior vice president of digital partnerships and development at Amex, says the company sees social networks as the next big market for online shopping. "From a digital innovation standpoint, we wanted to develop a program that matches what consumers and merchants have been looking for," she says, even if they didn't know they desired it in the form of a tweet-to-buy model. "We know that retailers are very engaged on the Twitter platform, as many of them are advertising promotions and building their brand on the platform, but they haven't been able to keep business transactions on the Twitter platform."

According to Berland, the strategy of tweeting links to products is flawed. She says that while links drive traffic to a merchant's website, Twitter users don't want to leave the platform to make a purchase; she thinks they'd rather stay on their news feed than miss an important tweet.

However, experts who study consumer behavior see several problems with the tweet-to-buy model. Angeline Close, a professor at the University of Texas at Austin and author of "Online Consumer Behavior: Theory and Research in Social Media, Advertising and E-tail," says one challenge will be convincing customers to overcome "consumer resistance," meaning consumers are skeptical of change—especially when it comes to mixing money and their social circle. "'Try to keep your friends and your money separate' is an old adage because, for many people, it's true," Close says.

Nonetheless, Close says some people are comfortable publicly sharing their finances. These consumers see so-called "social shopping" as an opportunity to not only snag deals but display their savings skills. "Price-prone people who want to, in a sense, show their consumer savviness, are going to be the first to embrace these sorts of programs," Close says. "It's something to brag about."

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So far, Amex has seen the greatest usage among customers in their 20s and 30s. Berland believes this demographic is good for reeling in other Amex cardholders to the program. "Younger people tend to have more followers and are more actively engaged on Twitter," she says, "and those are the customers who can help us spread this virally."

Another factor playing into whether tweet-to-buy shopping will succeed is how today's consumers seek to satisfy one of their fundamental needs. According to Philip Graves, author of "Consumer.ology: The Market Research Myth, the Truth About Consumers, and the Psychology of Shopping," shopping fulfills a basic psychological drive to consume. However, he says social shopping can threaten a buyer's finances. If consumers only use a hashtag to confirm their purchase, Graves worries that tweet-to-buy programs put psychological distance between customers and their credit card. "People will have less of a cue to be mindful of the consequences of their spending and, I would expect, those who struggle to keep to a budget could end up with surprising bills if they become accustomed to buying in this way," he says.