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市场调查报告书
商品编码
1780253
欧洲的付款及电子商务的AI:引进的差距，法规的变化，2025年主要的展开AI in Europe's Payments and E-Commerce: Adoption Gaps, Regulatory Shifts, and Key Developments 2025 |
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根据 yStats.com 的数据，欧洲支付和电子商务领域的人工智慧应用正在加速，但在信任、人才和整合方面仍然存在差距。
北欧和东欧在人工智慧应用方面处于领先地位，但整合方面的差距仍然存在。
整个欧洲的人工智慧应用势头强劲，波罗的海和北欧国家的企业尤其活跃。拉脱维亚、挪威和爱沙尼亚等国家处于领先地位，波兰和斯洛维尼亚的人工智慧应用率也高于地区平均。同时，德国、法国和荷兰等主要经济体的进展较慢，西班牙的人工智慧应用融入度较低。虽然实验性应用已广泛开展，但许多公司尚未达到营运成熟度。
欧洲新出台的人工智慧法案将分出胜负
欧盟《人工智慧法案》、《数位业务復原法案》（DORA）和《一般资料保护规范》（GDPR）的交织，使得监管合规性成为差异化因素。根据这份报告，将遵守这些法规纳入其人工智慧策略的公司，将在诈欺侦测和信用评分等高风险领域获得结构性优势。同时，未能在试点计画之外实施人工智慧的公司则面临被淘汰的风险。
缺乏信任阻碍了人工智慧在金融服务领域的潜力
大众对人工智慧进步的怀疑持续存在。在许多欧洲国家，只有不到一半的使用者认为人工智慧的益处大于风险，尤其是在北欧和西欧。深度伪造和网路钓鱼等人工智慧驱动的诈欺技术的蔓延进一步削弱了人们的信任。 yStats.com 执行长 Yucel Yelken 警告：“如果不加强信任、人才和基础设施建设，欧洲的人工智慧发展可能会停滞不前，并继续受‘监管驱动’。” 本报告探讨了欧洲支付和电子商务领域的人工智慧趋势，提供了该地区及主要国家人工智慧应用的资讯、人工智慧应用案例、风险管理、信任和安全趋势、竞争格局以及对每个主要国家的详细分析。
目录
第1章 管理摘要
第2章 重要点
第3章 AI引进的形势与地区模式
- 各地区采用基准
- 北欧和西欧：各国家/地区 AI 应用（定期使用 AI 的受访者百分比）
- 南欧和东欧：各国 AI 应用（定期使用 AI 的受访者百分比）
- 欧洲：各国家员工人数在 10 人以上的公司 AI 技术采用率
- 欧洲：各国家员工人数在 10 人以上的公司 AI 应用类型百分比
- 欧洲：各国家员工使用 AI 工具状况（每週多次使用 AI 的受访者百分比）週）
- 卖家细分与壁垒
- 欧洲：生成式人工智慧应用缓慢、IT 投资不足及基础设施限制
- 欧洲：人工智慧再训练目标、人才保留问题及合规障碍
第4章 功能用例及经济影响
- 电商商家经营
- 欧洲：人工智慧在 LVMH 设计、电商、互动和营运中的整合
- 欧洲：人工智慧在 LVMH 电商搜寻、会员计画和销售工具中的应用
- 支付和金融科技用例
- 欧洲：人工智慧驱动的支付自动化、诈欺侦测和核心基础设施升级
- 欧洲：人工智慧在开放银行的应用，用于风险管理、价值服务和基础设施效率
- 欧洲：人工智慧钱包集成、P2P 扩展和数位欧元集成
- 欧洲：人工智慧驱动的 MCA 成长、PSP 整合和 PSD3 监管协调
- 欧洲：数位欧元、MiCA 监管、创新框架和人工智慧驱动的支付
第5章 风险管理，信赖和保全
- 诈欺和威胁趋势
- 欧洲：人工智慧驱动的诈欺预防、生物辨识身份验证和标记化结帐解决方案
- 欧洲：人工智慧驱动支付中的深度伪造、合成 ID 和用户引导操纵
- 欧洲：多通路欺骗的负担、人工智慧支援的假讯息和诈欺情势
- 侦测工具与风险模型
- 欧洲：诈欺防制、聊天机器人自动化、个人化与流程效率
- 欧洲：风险与合规职能中的 AI 用例（受访者百分比）
- 信任与准备
- 欧洲：家庭和工作场所关键生成式 AI 用例的采用情况（受访者百分比）
- 欧洲：员工对生成式 AI 工作场所成果的看法（受访者百分比）
- 欧洲：大众对生成式 AI 使用的主要担忧（受访者百分比）
- 欧洲：以任务类型划分的生成式 AI 使用（受访者百分比）
- 欧洲：员工对 AI 导致失业的预期：按国家划分（受访者百分比，2025 年 6 月）
- 欧洲：将 AI 代理整合到营运工作流程的公司百分比：按国家/地区划分（2025 年 6 月） 2025)
- 北欧和西欧：对人工智慧的信任和接受度（按国家/地区，受访者百分比）
- 南欧和东欧：对人工智慧的信任和接受度（按国家/地区，受访者百分比）
- 北欧与西欧：对人工智慧益处与风险的看法（按国家/地区，受访者百分比）
- 南欧与东欧：对人工智慧益处与风险的看法（按国家/地区，受访者百分比）
- 北欧和西欧：工作场所对人工智慧的常规使用和信任度（按国家/地区，受访者百分比）
- 南欧和东欧：工作场所对人工智慧的常规使用和信任度（按国家/地区，受访者百分比）
- 北欧国家：监管负担、领导力差距以及人工智慧代理在生成性数据中的采用率低人工智慧
- 英国与北欧：企业领导者对生成式人工智慧的认知与应用（受访者百分比）
- 德国/北欧：对生成式人工智慧应用的担忧和实验层面（受访者百分比）
- 荷兰/北欧国家：生成式人工智慧应用的障碍与信心（受访者百分比）
- 监理与合规
- 北欧/西欧：各国家受访者认为需要人工智慧监管的百分比
- 南欧/东欧：各国家受访者认为需要人工智慧监管的百分比
- 欧洲：由于问责缺口、数据偏见和数据操纵，GPAI 驱动的消费者风险
- 欧洲：人工智慧整合的製度、监管与技术障碍
- 欧洲：GPAI银行业中的可解释性限制、ICT 风险和人才短缺
- 欧洲：AI 透明度、第三方监管、ICT 风险和道德使用要求
- 欧洲：AI 法律风险模型、电子商务采用和 AI 协议的早期采用
第6章 竞争情形和策略性AI的动向
- 市场规模与活动
- 欧洲：AI 世代生产力提升、模式短缺、基础设施缺口与能源需求
- 欧洲：AI 半导体设计、云端基础设施和原料供应
- 主要公司的策略举措
- 欧洲：透过资金、监管和创新推动 AI 治理
- 欧洲：云端依赖、模组化 AI 架构与策略投资重点
- AI治理、监管与创新驱动力
- 欧洲：AI 法律、监管沙盒、测试环境与资料空间策略
第7章 各国聚光灯:国家的洞察和策略性课题
- 英国
- Deepfake 诈欺、金融科技漏洞以及 AI 驱动的诈欺执法缺陷
- AI 主导的企业诈欺中的高阶主管冒充和跨境风险
- 德国
- 生成式 AI 的优势（受访者百分比）
- 生成式 AI 的主要障碍（受访者百分比）
- 企业生成式 AI 策略实施情形（受访者百分比）
- 在以下国家采用可信赖 AI 的最大障碍公司（受访者百分比）
- 数位系统中的电子犯罪威胁媒介（受访者百分比）
- 法国
- 生成式人工智慧的可信度、监管清晰度、人才缺口和基础设施限制
- 生成式人工智慧应用的主要障碍以及与全球标准的比较
- 西班牙
- 公司对技术投资和策略性数位转型的关注度（受访者百分比）
- 人工智慧应用的结构性障碍、中小企业的限制以及碎片化的数位化策略
- 波兰
- 不同规模公司对人工智慧投资的认知度（受访者百分比）
- 体制差距、中小企业的阻力、人工智慧对竞争力的阻碍
AI Adoption Accelerates Across European Payments and E-Commerce, but Gaps in Trust, Talent, and Integration Persist, yStats.com Finds
Northern and Eastern Europe Take the Lead in AI Use, but Integration Gaps Persist
AI adoption is gaining traction across Europe, especially in the Baltics and Nordics, where enterprise usage is high in countries like Latvia, Norway, and Estonia. Poland and Slovenia are also accelerating ahead of the regional average. Yet, major economies such as Germany, France, and the Netherlands show slower momentum, while Spain trails with minimal integration into workflows. Despite widespread experimentation, true operational maturity remains out of reach for many firms.
Europe's New AI Laws Create Winners and Losers
With the EU AI Act, DORA, and GDPR converging, regulatory alignment is becoming a key differentiator. The report finds that firms incorporating compliance into their AI strategies gain a structural advantage in high-risk areas like fraud detection and credit scoring. Those that fail to operationalize beyond pilots risk being left behind.
Trust Deficit Undermines AI's Promise in Financial Services
Public skepticism continues to shadow AI advances. In most European countries, fewer than half of users believe the benefits outweigh the risks, with especially low trust in Northern and Western Europe. Growing exposure to AI-driven fraud tactics like deepfakes and phishing further erodes confidence. As yStats.com CEO Yucel Yelken warns, "Without stronger trust, talent, and infrastructure, Europe's AI momentum may stall at the compliance layer."
Table of Contents
1. Management Summary
2. Key Takeaways
3. AI Adoption Landscape & Regional Patterns
- 3.1. Regional Adoption Benchmarks
- Northern & Western Europe: Adoption of AI by Country, in % of Respondents Reporting Regular Use, Nov 2024 - Jan 2025
- Southern & Eastern Europe: Adoption of AI by Country, in % of Respondents Reporting Regular Use, Nov 2024 - Jan 2025
- Europe: AI Technology Adoption by Country, in % of Enterprises with 10 or More Employees, 2023 & 2024
- Europe: AI Application Types, in % of Enterprises with 10 or More Employees, 2023 & 2024
- Europe: Employee Usage of AI Tool by Country, in % of Respondents Using AI Several Times Weekly, June 2025
- 3.2. Seller Segmentation & Barriers
- Europe: Lag in Generative AI Adoption, IT Investment Deficit, and Infrastructure Limitations, July 2025
- Europe: AI Reskilling Targets, Talent Retention Issues, and Compliance Barriers, July 2025
4. Functional Use Cases & Economic Impact
- 4.1. E-Commerce Seller Operations
- Europe: LVMH's AI Integration Across Design, E-Commerce, Engagement, and Operations, July 2025
- Europe: AI Use in LVMH's E-Commerce Search, Loyalty Programs, and Sales Tools, July 2025
- 4.2. Payments & FinTech Use Cases
- Europe: AI-Driven Payment Automation, Fraud Detection, and Core Infrastructure Upgrades, July 2025
- Europe: AI in Open Banking for Risk Control, Value Services, and Infrastructure Efficiency, July 2025
- Europe: AI Wallet Mergers, P2P Expansion, and Digital Euro Integration, July 2025
- Europe: AI-Driven MCA Growth, PSP Consolidation, and Regulatory Alignment via PSD3, July 2025
- Europe: Digital Euro, MiCA Regulation, Innovation Framework, and AI-Driven Payments, July 2025
5. Risk Management, Trust & Security
- 5.1. Fraud & Threat Trends
- Europe: AI Fraud Prevention, Biometric Authentication, and Tokenized Checkout Solutions, July 2025
- Europe: Deepfakes, Synthetic Identities, and Onboarding Manipulation in AI-Driven Payments, July 2025
- Europe: Multi-Channel Deception, AI Disinformation, and Detection Strain in Fraud Landscape, July 2025
- 5.2. Detection Tools & Risk Models
- Europe: Fraud Prevention, Chatbot Automation, Personalization, and Process Efficiency, July 2025
- Europe: AI Use Cases in Risk and Compliance Functions, in % of Respondents, Aug - Sep 2024
- 5.3 Trust & Readiness
- Europe: Personal and Work Adoption of Top Generative AI Use Cases, in % of Respondents, June - Aug 2024
- Europe: Employee Views on Generative AI's Workplace Outcomes, in % of Respondents, June - Aug 2024
- Europe: Top Public Concerns About Generative AI Use, in % of Respondents, June - August 2024
- Europe: Use of Generative AI by Task Type, in % of Respondents, June - August 2024
- Europe: Employee Expectations of AI Job Displacement by Country, in % of Respondents, June 2025
- Europe: AI Agent Integration into Operational Workflows by Country, in % of Companies, June 2025
- Northern & Western Europe: Trust and Acceptance of AI by Country, in % of Respondents, Nov 2024 - Jan 2025
- Southern & Eastern Europe: Trust and Acceptance of AI by Country, in % of Respondents, Nov 2024 - Jan 2025
- Northern & Western Europe: Views of AI Benefits Over Risks, in % of Respondents by Country, Nov 2024 - Jan 2025
- Southern & Eastern Europe: Views of AI Benefits Over Risks, in % of Respondents by Country, Nov 2024 - Jan 2025
- Northern & Western Europe: Regular Use and Trust of AI at Work by Country, in % of Respondents, Nov 2024 - Jan 2025
- Southern & Eastern Europe: Regular Use and Trust of AI at Work by Country, in % of Respondents, Nov 2024 - Jan 2025
- Nordics: Regulatory Burdens, Leadership Gaps, and Low AI Agent Adoption in GenAI, March 2025
- UK & Nordics: Perception & Adoption of GenAI Among Business Leaders, in % of Resp., September 2024
- Germany & Nordics: Concerns and Experimentation Levels in GenAI Adoption, in % of Resp., September 2024
- Netherlands & Nordics: Perceived Barriers and Trust Levels in GenAI Adoption, in % of Resp., September 2024
- 5.4. Regulation & Compliance
- Northern & Western Europe: Share Citing a Need for AI Regulation by Country, in % of Respondents Nov 2024 - Jan 2025
- Southern & Eastern Europe: Share Citing a Need for AI Regulation by Country, in % of Respondents Nov 2024 - Jan 2025
- Europe: GPAI-Driven Consumer Risks from Accountability Gaps, Data Bias, and Manipulation, July 2025
- Europe: Institutional, Regulatory, and Technical Obstacles to AI Integration, July 2025
- Europe: GPAI Explainability Limits, ICT Risks, and Talent Shortages in Banking Sector, July 2025
- Europe: AI Transparency, Third-Party Oversight, ICT Risk , and Ethical Use Requirements, July 2025
- Europe: AI Act Risk Model, E-Commerce Adoption, and Early Implementation via AI Pact, July 2025
6. Competitive Landscape & Strategic AI Movement
- 6.1. Market Scale & Activity
- Europe: Gen AI Productivity Gains, Model Deficit, Infrastructure Gaps, and Energy Demand, July 2025
- Europe: AI Semiconductor Design, Cloud Infrastructure, Raw Material Supply, July 2025
- 6.2. Strategic Moves by Key Players
- Europe: Advancing AI Governance Through Funding, Regulation, and Innovation, July 2025
- Europe: Cloud Dependency, Modular AI Architecture, and Strategic Investment Priorities, July 2025
- 6.3 AI Governance, Regulation & Innovation Enablers
- Europe: AI Act, Regulatory Sandboxes, Testing Environments, and Data Space Strategy, July 2025
7. Country Spotlights: National Insights & Strategic Challenges
- 7.1. UK
- Deepfake Scams, Fintech Vulnerabilities, and Enforcement Gaps in AI-Driven Fraud, July 2025
- Executive Impersonation and Cross-Border Risks in AI-Driven Corporate Fraud, July 2025
- 7.2. Germany
- Top-Reported Benefits of GenAI Adoption, in % of Respondents, March 2025
- Top-Reported Barriers of GenAI Adoption, in % of Respondents, March 2025
- GenAI Strategy Implementation Status Among Enterprises, in % of Respondents, 2024 & 2025
- Top Barriers to Trusted AI Implementation Among Enterprises, in % of Respondents, March 2025
- eCrime Threat Vectors in Digital Systems, in % of Respondents, May 2024
- 7.3. France
- GenAI Confidence, Regulatory Clarity, Talent Gaps, and Infrastructure Limitations, July 2025
- Top GenAI Adoption Inhibitors vs. Global Baseline, in % Point Difference, January 2025
- 7.4. Spain
- Company Focus on Tech Investment and Strategic Digital Transformation, in % of Respondents, July 2025
- Structural Barriers to AI Adoption, SME Limitations, and Fragmented Digital Strategy, July 2025
- 7.5. Poland
- Poland: AI Investment Perception by Company Size, in % of Respondents, June 2025
- Poland: Institutional Gaps, SME Resistance, and AI Barriers in Competitiveness Context, July 2025
