AI转型 (2025年):全球引进趋势，革新，数位付款及电子商务领域的影响

全球人工智慧投资与应用呈现显着成长

全球人工智慧技术支出持续成长，预计到 2030 年，生成型人工智慧市场规模将达到 4,250 亿美元。到 2025 年，三分之一的企业将为人工智慧专案投入超过 2,500 万美元，尤其是在日本、新加坡和美国等领先地区。人工智慧的应用已超越试点项目，目前约有 80% 的组织正在多个业务职能部门部署人工智慧。

生成型人工智慧推动营收成长与营运效率提升

生成型人工智慧已为各行各业带来了显着的绩效提升，推动了营收成长和成本节约。策略、供应链、行销和软体工程领域均实现了两位数的成长，而供应链营运、风险管理和人力资源领域的成本节约则超过 10%。这些发展显示人工智慧在数位支付和电子商务领域日益增长的策略价值。

治理、人才和道德准备方面的差距持续存在

儘管人工智慧的采用正在加速，但重大课题依然存在。只有略高于 20% 的公司表示已建立健全的风险管理和合规系统，人才短缺正推动企业转向内部培训和再培训，以提高 AI 技能。

本报告提供全球AI的引进趋势调查，彙整AI的投资·引进的目的·用途，投资规模，由于生成AI的收益增加趋势，由于生成AI的降低成本层级，AI引进的风险相关分析等资讯。

目录

第1章 重要点

第2章 管理摘要

第3章 与AI市场情势投资趋势

• 全球：技术市场规模及年成长
• 全球：金融科技领域 AI 的成长
• 全球：生成式 AI 市场规模
• 全球：以支出金额划分的 AI 投资意向，占比公司
• 全球：按策略重点领域划分的 AI 投资份额，领先公司占比
• 全球：按策略重点领域划分的 AI 投资份额，受访者占比
• 美国：中型市场与私募股权公司的 AI 投资计划
• 全球：自主 AI 与整合技术推动创新
• 全球：推动支付未来发展的关键趋势
• 全球：AI 驱动的转型，创造机会并应对课题

第4章 AI的引进，利用，组织整合

• 全球：AI 在一个或多个业务职能中的应用
• 全球：AI 在组织中的应用
• 全球：有意使用 AI 工具的频率
• 全球：工作场所有意使用的 AI 工具类型
• 全球：报告在工作场所使用 AI 的员工和组织的百分比
• 全球：工作场所的 AI 趋势、生产力效益与治理风险
• 全球：新技术的采用率
• 全球：人口结构变化，被动人工智慧的应用以及有限的认知
• 全球：各产业人工智慧成熟度、各地区应用模式及策略业务转型

第5章 付款，银行，金融的AI的应用

• 全球：提升支付安全性和效率
• 全球：交易监控、身份验证和支付优化中的人工智慧
• 全球：利用嵌入式金融、API、人工智慧和信用工具的 B2B 支付
• 全球：金融领域应用人工智慧的主要障碍
• 全球：银行业基于代理和生成式人工智慧的关键发展
• 美国：金融领域人工智慧的应用（按职能、领导角色和治理优先顺序划分）
• 美国：推动人工智慧在金融流程中应用的领导角色
• 美国：中型市场和私募股权公司对人工智慧影响的预期

第六章：人工智慧电子商务、消费者互动与零售创新

• 全球：消费者对购物中生成式人工智慧的开放程度
• 全球：人工智慧消费者对电子商务功能的兴趣
• 全球：人工智慧和加密应用消除了购物车放弃和数位结帐的摩擦
• 全球：人工智慧在亚马逊物流营运的顶级应用
• 全球：Visa 人工智慧在代币化支付、数位身分和代理商商务的用例

第七章：生成式人工智慧和基于代理的人工智慧用例和新兴工具

• 全球：基于代理的人工智慧提供效率、个人化和信任
• 全球：生成式人工智慧的采用趋势、创新影响与道德风险
• 全球：关键技术与支付平台采用的模型情境协议

第八章：人工智慧的业务影响：收入和成本结果

• 营收成长利用生成式人工智慧
  • 全球：生成式人工智慧在策略和企业财务领域提升收入
  • 全球：生成式人工智慧在供应链和库存管理领域提升收入
  • 全球：生成式人工智慧在行销和销售领域提升收入
  • 全球：生成式人工智慧在服务营运领域提升收入
  • 全球：生成式人工智慧在软体工程领域提升收入
  • 全球：生成式人工智慧在产品或服务开发领域提升收入
• 利用生成式人工智慧降低成本
  • 全球：生成式人工智慧在供应链和库存管理领域降低成本的程度
  • 全球：生成式人工智慧在服务营运领域节省成本
  • 全球：生成式人工智慧在策略和企业财务领域节省成本
  • 全球：生成式人工智慧在人力资源领域节省成本
  • 全球：生成式人工智慧在软体工程领域节省成本
  • 全球：风险、法律与合规领域的生成式人工智慧
  • 全球：生成式人工智慧在行销和销售领域节省成本
  • 全球：生成式人工智慧在 IT 领域节省成本
  • 全球：生成式人工智慧在产品和服务开发领域节省成本
  • 全球：生成式人工智慧在知识管理领域节省成本

第 9 章 人工智慧治理、策略与企业就绪

• 支付公司的全球人工智慧治理课题、重点策略与领导角色
• 全球人工智慧治理、策略协调与高阶主管所有权趋势
• 全球人工智慧采用集中化
• 企业中的全球人工智慧采用及其业务影响
• 按组织规模划分的全球人工智慧采用团队
• 按组织规模划分的全球生成式人工智慧融入业务流程状况
• 按组织推动生成式人工智慧采用的全球高阶领导者规模
• 拥有清晰生成式 AI 应用路线图的全球组织

第 10 章 AI 训练、技能发展与人才培育

• 全球 AI 培训采用率
• 全球 AI 训练参与度与自我评估知识水平
• 按组织规模划分的全球基于角色的生成式 AI 培训课程采用率

第 11 章 AI 风险、信任与伦理考量

• 全球：主要的 AI 风险类别
• 全球：信任差距、可解释性问题以及 AI 采用的组织差距
• 全球：AI 在工作场所使用的正面、中性和负面影响

第12章 总论

AI Adoption in Digital Payments and E-Commerce Drives Efficiency and Personalization but Raises Governance and Talent Concerns yStats.com Reports

Significant Growth in Global AI Investment and Deployment

Global spending on AI technologies is continuing its upward trajectory, with the generative AI market projected to reach USD 425 billion by 2030. By 2025, one in three companies is expected to allocate over USD 25 million toward AI initiatives, particularly across leading markets such as Japan, Singapore, and the USA. AI adoption has progressed beyond pilot programs, with almost 80% of organizations now implementing AI across multiple business functions.

Generative AI Fuels Revenue Gains and Operational Efficiency

Generative AI is contributing to measurable performance improvements across industries, supporting strong revenue growth and cost reduction efforts. Double-digit gains have been seen in functions such as strategy, supply chain, marketing, and software engineering, while cost savings exceeding 10% have been reported in areas including supply chain operations, risk mitigation, and human resources. These developments underscore AI's growing strategic value in digital payments and E-Commerce.

Ongoing Gaps in Governance, Talent, and Ethical Readiness

While AI adoption accelerates, major challenges remain. Over 20% of organizations report having robust risk and compliance structures in place. Talent shortages are prompting a shift toward upskilling and internal training in AI competencies. At the same time, ethical issues such as data privacy, transparency, and user trust continue to shape the dialogue around responsible AI implementation.

Table of Contents

• 1. Key Takeaways

2. Management Summary

3. AI Market Landscape and Investment Trends

• Global: Technology Market Size and Year-over-Year Growth, in USD trillions, 2024 & 2025f
• Global: Growth of AI in Fintech Market, in USD billions, 2025 & 2030f
• Global: Generative AI Market Size, in USD billions, 2025 & 2030f
• Global: AI Investment Intentions by Spending Range, in % of Companies, 2025
• Global: Share of AI Investment by Strategic Focus Area, in % of Leading Companies, 2024
• Global: Share of AI Investment by Strategic Focus Area, in % of Respondents, 2024
• USA: AI Investment Plans Among Midsize Companies and Private Equity Firms, in % of Resp., 2023 & 2024
• Global: Driving Innovation Through Autonomous AI and Integrated Technologies, June 2025
• Global: Key Trends Driving the Future of Payments, June 2025
• Global: AI-Driven Transformation, Unlocking Opportunities and Addressing Challenges, June 2025

4. AI Adoption, Usage, and Organizational Integration

• Global: AI Use in One or More Business Functions, in % of Respondent Organizations, 2021 & 2H 2024
• Global: Organizational Use of AI by Extent of Task Integration, in % of Employees, 2025
• Global: Frequency of Intentional Use of AI Tools, in % of respondents, 2025
• Global: Types of AI Tools Intentionally Used at Work, in % of usage, 2025
• Global: Share of Employees and Organizations Reporting AI Use at Work, in % of Respondents, 2022 & 2024
• Global: Workplace Adoption Trends, Productivity Benefits, and Governance Risks in AI Use, June 2025
• Global: Adoption of New Technologies, in % of C-Suite Respondents, 2024
• Global: Demographic Variation, Passive Use, and Limited Recognition of AI, June 2025
• Global: Sector AI Maturity, Regional Adoption Patterns, and Strategic Business Transformation, June 2025

5. AI Applications in Payments, Banking, and Finance

• Global: Advancing Payment Security and Efficiency, June 2025
• Global: AI in Transaction Monitoring, Identity Verification, and Payment Optimization, June 2025
• Global: B2B Payments with Embedded Finance, APIs, AI, and Credit Tools, June 2025
• Global: Key Barriers to AI Implementation in Finance, June 2025
• Global: Key Developments in Agentic and Generative AI across Banking Segments, June 2025
• USA: AI Use in Finance by Function, Leadership Role, and Governance Priorities, June 2025
• USA: Leadership Roles Driving AI Adoption in Financial Processes, in % of Respondents, 2023 & 2024
• USA: Top AI Use Cases Including Payment Automation and Fraud Detection, in % of Respondents, 2024
• USA: Expectations on AI's Impact in Midsize Comp. and Private Equity Firms, % of Respondents, 2023 & 2024

6. AI in E-Commerce, Consumer Interaction, and Retail Innovation

• Global: Consumer Openness to Generative AI in Shopping, % of Consumers, 2024
• Global: Consumer Interest in AI E-Commerce Features, in % of Respondents, 2025
• Global: AI and Crypto Applications Tackle Cart Abandonment and Digital Checkout Friction, June 2025
• Global: Key Applications of AI in Amazon's Logistics Operations, June 2025
• Global: Visa AI Use Cases in Tokenized Payments, Digital Identity & Agentic Commerce, June 2025

7. Generative and Agentic AI Use Cases and Emerging Tools

• Global: Enabling Efficiency, Personalization, and Trust with Agentic AI, June 2025
• Global: Adoption Trends, Innovation Impact, and Ethical Risks in Generative AI, June 2025
• Global: Adoption of Model Context Protocol by Major Tech and Payment Platforms, June 2025

8. AI-Driven Business Impact: Revenue and Cost Outcomes

• 8.1. Revenue Increases from Generative AI
  • Global: Revenue Increases from Generative AI in Strategy and Corporate Finance, in % of Respondents, 2024
  • Global: Revenue Increases from Generative AI in Supply Chain and Inventory Management, in % of Respondents, 2024
  • Global: Revenue Increases from Generative AI in Marketing and Sales, in % of Respondents, 2024
  • Global: Revenue Increases from Generative AI in Service Operations, in % of Respondents, 2024
  • Global: Revenue Increases from Generative AI in Software Engineering, in % of Respondents, 2024
  • Global: Revenue Increases from Generative AI in Product or Service Development, in % of Respondents, 2024
• 8.2. Cost Reduction from Generative AI
  • Global: Cost Reduction Levels from Generative in Supply Chain and Inventory Management, in % of Respondents, 2024
  • Global: Cost Reduction Levels from Generative AI in Service Operations, in % of Respondents, 2024
  • Global: Cost Reduction Levels from Generative AI in Strategy and Corporate Finance , in % of Respondents, 2024
  • Global: Cost Reduction Levels from Generative AI in HR , in % of Respondents, 2024
  • Global: Cost Reduction Levels from Generative AI in Software Engineering, in % of Respondents, 2024
  • Global: Cost Reduction Levels from Generative AI in Risk, Legal, and Compliance, in % of Respondents, 2024
  • Global: Cost Reduction Levels from Generative AI in Marketing and Sales, in % of Respondents, 2024
  • Global: Cost Reduction Levels from Generative AI in IT, in % of Respondents, 2024
  • Global: Cost Reduction Levels from Generative AI in Product or Service Development, in % of Respondents, 2024
  • Global: Cost Reduction Levels from Generative AI in Knowledge Management, in % of Respondents, 2024

9. AI Governance, Strategy, and Enterprise Readiness

• Global: AI Governance Challenges, Centralized Strategies, and Leadership Roles in Payment Firms, June 2025
• Global: AI Governance, Strategic Alignment, and Executive Ownership Trends, June 2025
• Global: Degree of Centralization of AI Deployment, in % of Respondents, 2024
• Global: AI Adoption Across Enterprises and Its Business Impact, June 2025
• Global: Gen AI Adoption Teams by Organization Size, in % of Respondents, 2024
• Global: Embedding of Gen AI into Business Processes by Organization Size, in % of Respondents, 2024
• Global: Senior Leaders Driving Gen AI Adoption by Organization Size, in % of Respondents, 2024
• Global: Organizations With Defined Roadmaps for Gen AI Adoption by Organization Size, in % of Respondents, 2024

10. AI Training, Skills Development, and Workforce Enablement

• Global: Adoption of AI Training, in % of Workforce, 2025
• Global: AI Training Participation and Self-Assessed Knowledge Levels, in % of Respondents, 2025
• Global: Adoption of Role-Based Gen AI Training Courses by Organization Size, in % of Respondents, 2024

11. AI Risks, Trust, and Ethical Considerations

• Global: Key AI Risk Categories, in % of Respondents, 2025
• Global: Trust Disparities, Explainability Concerns, and Organizational Gaps in AI Adoption, June 2025
• Global: Positive, Neutral, or Negative Impacts of AI Use in the Workplace, in % of Employees, 2025

12. Conclusion