亚洲电商及支付领域的人工智慧：应用前景、投资报酬率、风险及治理（2025）

AI in Asia's E-Commerce and Payments: Adoption, ROI, Risk, and Governance Outlook 2025

出版日期: 2025年07月04日 | 出版商:

yStats.com | 英文 79 Pages | 商品交期: 最快1-2个工作天内

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简介目录

据 yStats.com 表示，亚洲电商和支付领域的人工智慧应用推动了成长并降低了风险，但也凸显了地区差异和成本障碍。

亚洲电商的人工智慧应用差距

亚洲电商的人工智慧应用仍不均衡。儘管印度和中国处于领先地位，但东南亚仍处于发展阶段。 Lazada 集团的资料显示，截至2025年 2月，该地区只有 25%的商家已完全整合人工智慧，而 50%的商家处于早期阶段。这凸显了对更完善的基础设施和支援的需求。

基础人工智慧工具占主导地位，高级应用却很少

许多商家依赖聊天机器人等基础人工智慧工具，而预测分析等高阶人工智慧工具的采用仍然有限。Lazada Group将卖家分为三类：熟练者（Adepts）、有志者（Aspirants）、不可知者（Agnostics），每类卖家的采用意愿程度各不相同。成本（64%）和不确定性（61%）是采用的主要障碍，阻碍了其广泛应用。

人工智慧的采用既能提高效率，又能带来风险

人工智慧在提高营运效率的同时，也增加了风险。根据 TechNode 报导，到2024年，新加坡、泰国和印尼的人工智慧相关诈欺将增加200%以上。为此，金融业采用生物辨识身分验证、诈欺分析和人工智慧预警系统，以增强数位支付的安全性。

本报告探讨了亚洲电子商务和支付领域人工智慧应用的趋势，涵盖各地区和国家的人工智慧采用情况、消费者和商家对人工智慧工具的使用情况、风险管理、信任和安全措施、主要公司的战略举措以及公共和私营部门的人工智慧举措。

各地区 AI 应用基准
- 亚洲：各国 AI 系统采用情况
- 东南亚：各国家/地区 AI 采用水准的电商商家
- 东南亚：各国 AI 采用率
卖家细分与障碍
- 亚洲：AI 风险与效益认知
- 东南亚：卖家对 AI 效益的认知
- 东南亚：线上商家 AI 应用障碍
- 东南亚：各国 AI 专家占有率
- 东南亚：各国家 AI 不感兴趣占有率
- 东南亚：各国家 AI 有志者占有率国家
- 东南亚：电商商家对 AI 的冷淡态度东南亚卖家体验提升的关键领域
- 东南亚：提升 AI 新手卖家体验的关键领域
- 东南亚：提升 AI 老手卖家体验的关键领域
依地区和国家进行深入分析
- 新加坡：电商零售商 AI 采用：依工具
- 马来西亚：电商零售商 AI 采用：依工具
- 印尼：电商零售商 AI 采用：依工具
- 泰国：电商零售商 AI 采用：依工具
- 菲律宾：电商零售商 AI 采用：依工具
- 越南：电商零售商 AI 采用：依工具

第四章功能案例与经济影响

电商商家经营
- 东南亚：依业务职能和准备状况划分的AI 采用情况
- 东南亚：依市场划分的AI 工具使用、功能采用程度和商家准备情况
- 东南亚：使用特定 AI 工具的电商商家百分比
- 亚太地区：消费者使用离线、数位和 AI 管道进行产品发现
- 亚太地区：消费者使用线下、数位和 AI 管道进行产品研究
- 东南亚：电商与数位支付领域 AI 应用的驱动因素
- 东南亚：使用 AI/生成式 AI 的平均成本节省
- 东南亚：使用 AI/生成式 AI 的平均收入成长
支付和金融科技用例
- 亚洲：AI 在信贷包容性、财务自动化和采购创新的应用
- 亚洲：AI 驱动的云端银行、投资分析、垂直 B2B 金融解决方案
- 亚太地区：AI 整合、稳定币银行卡、代币化汇款、小型商家接入

第五章风险管理、信任与安全

诈欺和威胁趋势
- 东南亚：人工智慧相关诈欺率年增
- 亚太地区：合成身分诈欺、深度伪造、身分验证漏洞、各国金融科技趋势
侦测工具与风险模型
- 东南亚：人工智慧侦测误报率超过 80%，生成式人工智慧用于警报和支持
- 东南亚：风险评分模型、网路分析、资料分享工作
- 亚太地区：亚太地区诈欺侦测、即时支付安全、生物辨识身分验证人工智慧趋势
- 亚太地区：人工智慧驱动的企业诈欺管理、身分验证、整合挑战
信任与准备
- 亚太地区：各国在职场对人工智慧的有意使用与信任度
- 亚太地区：各国对人工智慧系统的信任度与接受度
- 亚太地区：消费者对人工智慧的信任度：依活动类型
监理与合规
- 亚太地区：人工智慧驱动的网路防御、身分风险管理和合规自动化
- 亚太地区：金融犯罪监理、合成身分洗钱与人工智慧合规策略

第六章竞争格局与人工智慧策略措施

市场规模与活跃度
- 亚洲：人工智慧驱动的金融科技公司融资状况
- 亚洲：人工智慧驱动的金融科技公司数量及占金融科技公司总数的百分比
- 亚洲：人工智慧驱动的金融科技公司的主要国家/地区
主要参与者的策略性举措
- 亚洲：透过支付宝+进行跨国整合、市场进入、策略退出、全球合作关係
- 亚太地区：Visa AI Commerce、Mastercard Agent Pay、购物者趋势、市场定位

第七章 AI 治理、监管与创新驱动力

公私部门的AI 计划
- 亚洲：2025年 AI 治理、基础设施和金融实验的公共和私营部门驱动力
- 亚洲：四大经济体的AI 沙盒与能力建构计画
- 亚洲：2025年四大金融市场以 AI 为重点的监理沙盒与创新中心
区域 AI 创新框架
- 亚洲：AI 创新驱动力、金融包容性、监管洞察、风险管理
- 亚洲：AI 创新的监管架构、市场契合度、协调性和专业知识
- 亚洲：AI 创新驱动力的设计、资源和监管障碍在金融市场
- 亚洲：发展跨产业的人工智慧实验平台与治理
- 亚太地区：打击金融犯罪的人工智慧策略、预测能力和治理重点
- 东南亚：影响人工智慧应用的基础设施、人才和监管障碍
- 东南亚：人工智慧对各产业和国家经济成长的贡献

简介目录

Product Code: 1696

AI Adoption in Asia's E-Commerce and Payments Spurs Growth and Risk Mitigation, but Highlights Regional Gaps and Cost Barriers , According to yStats.com

AI Gaps Persist in Asia's E-Commerce Sector

AI adoption across Asia's E-Commerce landscape remains uneven. India and China are ahead, but Southeast Asia is still catching up. According to Lazada Group, by February 2025, only 25% of sellers in the region had fully integrated AI, while 50% remained in early-stage development. This reflects a pressing need for better infrastructure and support.

Basic AI Tools Dominate, Advanced Use Still Rare

Most sellers rely on chatbots, while adoption of advanced tools like predictive analytics is still limited. Sellers fall into three groups, Adepts, Aspirants, and Agnostics each with different levels of readiness. Lazada Group highlights that cost (64%) and uncertainty (61%) are major barriers, slowing down broader implementation.

AI Adoption Raises EfficiencyAnd Risk

AI boosts performance but also exposes vulnerabilities. In 2024, AI-related fraud jumped by over 200% in Singapore, Thailand, and Indonesia, according to TechNode. Financial players are responding with biometric checks, fraud analytics, and AI-powered alerts to safeguard digital payments.

1. Key Takeaways

2. Management Summary

3. AI Adoption Landscape & Regional Patterns

3.1. Regional Adoption Benchmarks
- Asia: Adoption of AI Systems by Country, in % of Resp. Reporting Regular Use*, Nov 2024 - Jan 2025
- SEA: Share of E-Commerce Sellers by Level of AI Adoption, in % of Resp., February 2025
- SEA: Claimed vs Actual AI Adoption Rates by E-Commerce Sellers, in % of Respond., 2025
3.2 Seller Segmentation & Barriers
- Asia: Perception of AI Benefits Over Risks, in % of Respondents by Country, Nov 2024 - Jan 2025
- SEA: Seller Perceptions of AI Benefits, in % of Respondents, February 2025
- SEA: Barriers to AI Adoption Among Online Sellers, in % of Respondents, February 2025
- SEA: Share of AI Adepts by Country, in % of E-Commerce Sellers, February 2025
- SEA: Share of AI Agnostics by Country, in % of E-Commerce Sellers, February 2025
- SEA: Share of AI Aspirants by Country, in % of E-Commerce Sellers, February 2025
- SEA: Key Areas to Improve Seller Experience Among AI Agnostics, in % of E-Com. Sellers, Feb. 2025
- SEA: Key Areas to Improve Seller Experience Among AI Aspirants, in % of E-Com. Sellers, Feb. 2025
- SEA: Key Areas to Improve Seller Experience Among AI Adepts, in % of E-Com. Sellers, Feb. 2025
3.3 Regional Country Deep Dive
- Singapore: AI Adoption by Tool Type Among E-Commerce Sellers, in % of Resp. Using Each Tool, Feb. 2025
- Malaysia: AI Adoption by Tool Type Among E-Commerce Sellers, in % of Resp. Using Each Tool, Feb. 2025
- Indonesia: AI Adoption by Tool Type Among E-Commerce Sellers, in % of Resp. Using Each Tool, Feb. 2025
- Thailand: AI Adoption by Tool Type Among E-Commerce Sellers, in % of Resp. Using Each Tool, Feb. 2025
- Philippines: AI Adoption by Tool Type Among E-Commerce Sellers, in % of Resp. Using Each Tool, Feb. 2025
- Vietnam: AI Adoption by Tool Type Among E-Commerce Sellers, in % of Resp. Using Each Tool, Feb. 2025

4. Functional Use Cases & Economic Impact

4.1. E-Commerce Seller Operations
- SEA: AI Adoption by Business Function and Readiness Group, in % of Functions, Feb. 2025
- SEA: AI Tool Usage, Functional Adoption Levels, and Seller Readiness by Market, 2025
- SEA: Share of E-Commerce Sellers Using Selected AI Tools, in % of Resp., February 2025
- APAC: Consumer Usage of Offline, Digital, & AI Channels for Product Discovery, in % of Resp., 2024
- APAC: Consumer Usage of Offline, Digital, & AI Channels for Product Research, in % of Resp., 2024
- SEA: Enablers of AI Adoption in E-Commerce and Digital Payments, April 2025
- SEA: Average Cost Reduction from AI/GenAI, in % of Total Costs, 2023 & 2027
- SEA: Average Revenue Growth from AI/GenAI, in % Revenue Growth, 2023 & 2027
4.2. Payments & FinTech Use Cases
- Asia: AI Applications in Credit Inclusion, Finance Automation, and Procurement Innovation, April 2025
- Asia: AI-Driven Cloud Banking, Investment Analytics, and Vertical B2B Financial Solutions, April 2025
- APAC: AI Integration, Stablecoin Cards, Tokenised Transfers, and Micro-Merchant Access, June 2025

5. Risk Management, Trust & Security

5.1 Fraud & Threat Trends
- SEA: Year-over-Year Increase in AI-linked Fraud Rate, in %, 2024
- APAC: Synthetic Identity Fraud, Deepfakes, Verification Gaps and Country Trends in FinTech, 202
5.2 Detection Tools & Risk Models
- SEA: AI Detection with 80%+ False Positives, Generative AI for Alerts and Support, 2024
- SEA: Risk-Scoring Models, Network Analytics, and Data-Sharing Efforts, 2024
- APAC: AI in Fraud Detection, Real-Time Payment Security, and Biometric Authentication, July 2025
- APAC: AI-Driven Enterprise Fraud Management, Identity Verification, and Integration Challenges, July 2025
5.3 Trust & Readiness
- Asia: Intentional Use and Trust of AI at Work by Country, in % of Respondents, Nov 2024 - Jan 2025
- Asia: Trust and Acceptance of AI Systems by Country, in % of Respondents, Nov 2024 - Jan 2025
- APAC: Consumers' AI Trust by Activity Type, in % of Respondents, 2024
5.4 Regulation & Compliance
- Asia: Cyber Defence, Identity Risk Management and Compliance Automation via AI, April 2025
- APAC: Financial Crime Regulation, Synthetic Identity Laundering, and AI Compliance Strategy, July 2025

6. Competitive Landscape & Strategic AI Movement

6.1. Market Scale & Activity
- Asia: Funding for AI-Driven FinTech Companies, in USD billions, 2023-2025f
- Asia: Number of AI-Driven FinTech Companies, in thous., in % of Total FinTech Comp., 2023, 2025e
- Asia: Top Countries of AI FinTech Companies, in % of Total AI FinTech Companies, 2025
6.2. Strategic Moves by Key Players
- Asia: Cross-Border Integration, Market Entry, Strategic Exit and Global Partnerships via Alipay+, 2024
- APAC: Visa AI Commerce, Mastercard Agent Pay, Shopper Trends, and Market Positioning, May 2025

7. AI Governance, Regulation & Innovation Enablers

7.1 Public & Private Sector AI Initiatives
- Asia: Public & Private Drivers of AI Governance, Infrastructure and Experimentation in Finance, 2025
- Asia: AI Sandboxes and Capacity-Building Programs in Four Economies, 2025
- Asia: AI-Focused Regulatory Sandboxes and Innovation Hubs in Four Financial Markets, 2025 (1 of 2)
- Asia: AI-Focused Regulatory Sandboxes and Innovation Hubs in Four Financial Markets, 2025 (2 of 2)
7.2 Regional AI Innovation Frameworks
- Asia: AI Innovation Facilitators, Financial Inclusion, Regulatory Insight and Risk Management, 2025
- Asia: Regulatory Frameworks for AI Innovation, Market Fit, Coordination, and Expertise, 2025
- Asia: Design, Resource, and Oversight Barriers of AI Innovation Facilitators in Financial Markets, 2025
- Asia: Development of AI Experimentation Platforms and Governance Across Multiple Sect., 2025 (1 of 2)
- Asia: Development of AI Experimentation Platforms and Governance Across Multiple Sect., 2025 (2 of 2)
- APAC: AI Strategy in Anti-Financial Crime, Predictive Capabilities, and Governance Priorities, July 2025
- SEA: Infrastructure, Talent, and Regulatory Barriers Impacting AI Adoption, April 2025
- SEA: Sectoral and Country-Level AI Contributions to Economic Growth, April 2025