全球电子商务&付款市场概要 (2025年):B2C，B2B，数位付款的革新，引进情形，市场变化

全球电子商务与支付市场在人工智慧、数位钱包和跨境交易的推动下蓬勃发展 - yStats.com 报告

全球电子商务持续扩张

预计到 2024 年，全球零售电子商务销售额将超过 6 兆美元，凸显了线上购物的持续成长。社群商务正成为 "发现到购买" 的主要管道，这得益于极具竞争力的价格、免费送货和便利的退货服务。然而，高昂的运费和诈欺担忧仍然是一些交易的障碍。

数位支付势头强劲

预计到 2028 年，全球非现金交易的复合年增长率将超过 15%，这主要得益于零售和 B2B 支付领域应用的不断增长。数位钱包因其便利性而日益普及，其在即时支付中的占比也在不断提升。在 B2B 领域，虚拟卡正逐渐成为一种全新、安全且自动化的选择。

人工智慧是商业的核心

预计到 2025 年，全球 77% 的雇主将在日常工作中使用人工智慧工具，这表明人工智慧将日益融入业务流程。在电子商务领域，人工智慧正在赋能个人化客製化、虚拟试穿和语音购物。在支付领域，人工智慧正被用于加强诈欺预防、改善合规流程和优化结帐体验。

区块链与加密货币的进步

到 2023 年，65% 的消费者将对使用加密货币支付感兴趣，这将推动对数位货币交易的需求。机构采用率也不断扩大，区块链将用于即时支付、提高供应链透明度以及资产代币化。

B2B 电商平台推动贸易数位化

预计到 2026 年，全球 B2B 电商交易总额 (GMV) 将超过 35 兆欧元，这得益于创新电商平台和整合支付系统的推动。行业专属平台、人工智慧驱动的采购流程以及安全的发票解决方案正在简化交易流程，并提高全球卖家和买家的生产力。

本报告探讨了全球电商和支付趋势，概述了 B2C 电商、市场规模、预测、销售管道、消费者网购态度和行为、数位支付额、消费者偏好、人工智慧应用趋势、区块链和加密货币趋势以及 B2B 交易趋势。

目录

第1章 管理摘要

第2章 重要点

第3章 全球B2C 电子商务概要

• 电子商务市场规模，成长，销售管道
  • 零售·电子商务销售市场概要
  • 零售电子商务占有率
  • 零售电子商务销售额
  • 网路零售销售市场概要
  • 网路零售销售额
• 消费者的体验和数位行动
  • 电商购物趋势
  • 网购不满意度
  • 提升网购体验
  • 网购者的主要优势
  • 网购者使用的社群媒体平台
  • 最受欢迎的全国各社群媒体平台购物状况
  • 线上市场使用率
  • 线上购物者帐户建立偏好
  • 放弃线上购物车的原因
  • 物流服务商在线上购物决策中的重要性
• 社群电商与跨国购物
  • 透过社群电商购物的社群媒体使用者比例
  • 使用社群媒体发现品牌的婴儿潮世代比例
  • 千禧世代在TikTok上的购买率
  • 最受欢迎的海外购物国家/地区
  • 在其他国家/地区零售商购物的线上购物者比例
  • 在其他国家/地区零售商购物的社群媒体使用者比例
  • 在其他国家零售商购物的45岁以下购物者比例
  • 社群媒体购物频率
  • 跨国购物目的地
  • 主要类别跨境购物
  • 购物者进行国际购物的原因
  • 不进行国际购物的原因

第4章 全球数位付款生态系统

• 数位付款市场的概要与收益相关洞察
  • 数位支付的采用、创新及消费者偏好
  • 数位行动支付及市场成长概览
  • 非现金交易总额
  • B2B 非现金交易总额
  • 支付收入
  • 支付收入（按类型、企业和消费者划分）
  • 支付收入（按类型、企业和消费者划分，以及按地区划分）
  • 支付收入（按类型、企业和消费者划分，以及按地区和支付类型划分）
  • 支付收入预测
  • 购物者首选的线上付款方式
  • 支付组合：新型支付方式与传统支付方式，交易量百分比
  • 接受付款方式的机构
  • 按季度划分的支付类型交易数量
• AI主导的付款变革
  • 支付领域人工智慧概述
  • 支付领域人工智慧与机器学习概述
  • 金融服务领域人工智慧驱动的诈欺预防与风险管理
  • 人工智慧优化的支付、风险管理与客户体验
  • 支付领域的人工智慧协作与未来创新
  • 支付领域人工智慧与机器学习概述
  • Visa 人工智慧在代币化支付、数位身分和代理商商务的用例
  • 人工智慧和加密应用消除购物车放弃和数位结帐摩擦
  • 电子商务和线上支付产业中人工智慧在 B2C 领域的挑战和风险
  • 支付领域的人工智慧和机器学习用例
  • 在银行业应用生成式人工智慧的关键挑战
  • 人工智慧在支付

第5章 全球AI及贸易的自动化

• AI的引进和投资的形势
  • 人工智慧驱动的转型，创造机遇，应对挑战
  • 技术市场规模及年成长
  • 金融科技市场的人工智慧成长
  • 生成型人工智慧市场规模
  • 人工智慧投资意向
  • 按策略重点领域划分的人工智慧投资占有率
  • 新科技采用率
  • 按组织规模划分的人工智慧应用团队
  • 按组织规模划分的推动生成型人工智慧应用的高阶领导
  • 依组织规模划分的拥有清晰生成型人工智慧应用路线图的组织
  • 银行在生成型人工智慧方面的支出
  • 金融服务公司关键人工智慧与机器学习策略细分
  • 考虑将生成型人工智慧用于以下用途的金融机构百分比诈欺预防
• 企业营运中的 AI 整合
  • 利用自主 AI 和整合技术推动创新
  • 推动支付未来发展的关键趋势
  • 一项或多项业务职能中的 AI 应用
  • 组织中的 AI 应用（依任务整合等级）
  • 有意使用 AI 工具的频率
  • 工作场所有意使用的 AI 工具类型
  • 报告在工作场所使用 AI 的员工和组织百分比
  • 工作场所 AI 应用趋势、生产力效益与治理风险
  • 人口结构变化、被动使用和对 AI 的认知不足
  • 各产业的 AI 成熟度、区域采用模式与策略性业务转型
  • 提高支付安全性和效率
  • 交易监控、身份验证和支付优化中的 AI
  • B2B 支付利用嵌入式金融、API、AI 和信用工具
  • 金融领域 AI 应用的主要障碍
  • 银行业基于代理商和生成式 AI 的重大发展
  • 消费者在购物中对生成式 AI 的开放程度
  • AI 消费者对电商功能的兴趣
  • AI 在亚马逊物流营运的顶级应用
  • 利用基于代理的 AI 实现效率、个人化和信任
  • 生成式 AI 的应用趋势、创新影响与道德风险
  • 关键技术和支付平台的模型上下文协议采用情况
  • 以组织规模将生成式 AI 整合到业务流程的情况
  • AI 训练采用率
  • AI 训练参与度和自我评估知识水平
  • 按组织规模划分的角色为基础的生成式 AI 训练课程采用率
  • 生成式 AI 市场规模
  • 透过生成式 AI 提高生产力人工智慧
  • 2024 年零售行销人员值得关注的关键客户趋势
  • 生成式人工智慧的热门商业用例
  • 嵌入式金融生态系中人工智慧应用概述
  • B2C 电子商务中人工智慧应用概述
  • 购物体验中购买人工智慧软体 "非常重要" 的购物者活动（按软体类型）
  • 购买人工智慧软体 "很重要" 的领域（按软体类型）
  • 购买具有人工智慧功能的软体 "有点重要" 的领域（按软体类型）
  • 购买具有人工智慧功能的软体 "完全不重要" 的领域（按软体类型）
• 人工智慧对收入和成本的影响
  • 关键技术与支付平台对模型情境协定的采用情况
  • 以组织规模将生成式人工智慧纳入业务流程的情况
  • 收入生成式人工智慧在策略和企业财务领域的应用带来的收入成长
  • 生成式人工智慧在供应链和库存管理领域的应用带来的收入成长
  • 生成式人工智慧在行销和销售领域的应用带来的收入成长
  • 生成式人工智慧在服务营运领域的应用所带来的收入成长
  • 生成式人工智慧在软体工程领域的应用所带来的收入成长
  • 生成式人工智慧在产品或服务开发领域的应用所带来的收入成长
  • 生成式人工智慧在供应链和库存管理领域的应用所带来的成本节约
  • 生成式人工智慧在服务营运领域的应用所带来的成本节约
  • 生成式人工智慧在策略和企业财务领域的应用所带来的成本节约
  • 生成式人工智慧在人力资源领域的应用所带来的成本节约
  • 生成式人工智慧在软体工程领域的应用所带来的成本节约
  • 生成式人工智慧在风险、法律和合规领域的应用所带来的成本节约
  • 生成式人工智慧在行销和销售领域的应用所带来的成本节约
  • 生成式人工智慧在 IT 领域的应用所带来的成本节约
  • 生成式人工智慧在产品与服务开发中的生成式人工智慧
• 人工智慧治理、风险与策略协调
  • 支付公司的人工智慧治理挑战、重点策略与领导角色
  • 人工智慧治理、策略协调与高阶主管所有权趋势
  • 人工智慧采用集中化
  • 企业的AI引进和那个商务的影响
  • 主要的人工智慧风险类别
  • 信任差距、可解释性问题以及人工智慧采用的组织差距
  • 人工智慧在工作场所应用的正面、中性和负面影响
  • 机器学习市场细分
  • 人工智慧和机器学习相关的主要风险

第六章：全球区块链与加密货币趋势

• 区块链市场格局
  • 拥有并使用数位货币的人口百分比
  • 加密货币和区块链市场概览
  • 区块链市场概览
  • 加密货币持有者数量
  • 北美：加密货币持有者数量
  • 欧洲：加密货币持有者数量
  • 亚洲：加密货币持有者数量
  • 大洋洲：加密货币持有者数量
  • 南美洲：加密货币持有者数量加密货币持有者 < 非洲：加密货币持有者数量
  • 各国家加密货币持有者比例
  • 加密货币持有率
  • 各国加密货币持有者性别分布
  • 各国加密货币持有状态
  • 六个月前退出市场的前加密货币持有者比例
  • 前持有者出售加密货币的时间分布
  • 因投资损失而出售加密货币的前加密货币持有者比例
  • 因投资损失而出售加密货币的前加密货币持有者比例（按国家/地区）
  • 表示可能在未来一年购买加密货币的前加密货币持有者比例
  • 过去一年持有加密货币的人群中，以国家购买加密货币的可能性分布
  • 目前正在开发或学习区块链应用的开发者比例
  • 主要的区块链公司在美国或加拿大上市
  • 区块链应用开发者状态（不包括加密货币）
  • 比特币等加密货币开发者状态细分
  • 非同质化代币 (NFT) 开发者状态细分
  • 美国、加拿大和欧洲已开始探索区块链技术的银行比例
  • 加密货币用例（加密货币持有者比例）
  • 24-35 岁加密货币持有者比例
  • 使用区块链技术进行加密货币交易的人口比例
  • 重大地缘政治事件对标准普尔 500 指数、黄金和比特币 10 天收益的影响
  • 重大地缘政治事件对标准普尔 500 指数、黄金和比特币 60 天收益的影响
• 区块链机构投资与避险基金活动
  • 加密货币持有者购买加密货币可能性的国家细分过去一年
  • 传统避险基金投资数位资产的比例
  • 对冲基金的数位资产交易方式
  • 对冲基金投资以稳定币为基础的数位资产的比例
  • 参与或考虑代币化的避险基金的比例
  • 专注于数位资产的对冲基金投资代币化资产的比例
  • 现货比特币ETF的核准如何改变了对冲基金受访者对新数位资产产品推出的看法
  • 将比特币作为数位资产投资策略的一部分 加密货币ETF计画的细分
  • 对冲基金投资的数位资产类型
  • 使用稳定币的主要原因
• 加密货币消费者行为
  • 受访者感兴趣的加密货币购物类型
  • 选择接受加密货币而非不接受加密货币的网店的消费者比例
  • 愿意增加购物次数的消费者比例如果加密货币被接受，他们会经常光顾自己喜欢的网店
  • 如果加密货币被接受，会增加线上支出的人群百分比
  • 愿意将加密货币作为投资组合重要组成部分的加密货币持有者百分比
  • 购买加密货币作为通膨对冲的成年人百分比
  • 希望以加密货币作为工作或商业报酬的受访者百分比
  • 将监管问题视为加密货币投资障碍的前加密货币持有者和非加密货币持有者百分比

第七章 B2B 电子商务与数位贸易

• 市场状况与买家决策过程
  • B2B 电子商务市场趋势概览
  • B2B 电子商务交易总额
  • B2B 买家在购买前进行线上研究
  • 社群媒体平台影响 B2B 购买决策
  • 价格敏感度影响 B2B 购买选择
  • 因各种原因延后 B2B 购买的企业买家比例
  • 延迟或放弃 B2B 购买的主要原因
  • 千禧世代和 Z 世代企业买家面临延迟购买决策的挑战的比例
• 买家体验、线上行为与平台偏好
  • B2B 购买的主要障碍
  • 将电商体验评为 "优秀" 的 B2B 买家比例
  • 倾向于透过供应商网站线上订购的 B2B 买家比例
  • 如果 B2B 网店提供更佳体验
  • 认为不良采购体验会在一定程度上影响其与供应商关係的 B2B 买家百分比
  • 计划在未来一年增加线上采购支出的中小企业百分比
  • 可能更换供应商的 B2B 买家百分比
  • 预计在未来一年增加线上支出的中小企业 B2B 买家百分比
  • 认为便利准确的线上网店体验至关重要的 B2B 买家百分比
  • 倾向于在线重复下单的 B2B 买家百分比
  • 网路商店 B2B 订单中的订单错误率
  • 倾向于在线下复杂、高价值订单的 B2B 买家百分比
  • 回报订单错误并因此不愿意在线下单的 B2B 买家百分比
  • 透过网路商店下单的 B2B 订单中出现订单错误的百分比发生
  • 线上下单时供应商需提供的协议资讯/数据
  • 线上下单时供应商需提供的资讯/数据
  • 至少有一个原因导致无法在线上下单的 B2B 买家占比
  • 线上采购的主要障碍
  • 增加线上支出的主要原因
  • 在线采购最重要的方面
• 支付、平台、市场和技术的影响
  • B2B 采购的主要障碍
  • B2B 支付市场趋势
  • 人工智慧在 B2B 支付市场的应用
  • B2B 支付量
  • B2B 银行卡支付量
  • B2B 虚拟卡支付量
  • B2B 支付通路成长率
  • B2B 经销商占比计画全面革新其数位化形象
  • B2B 发票付款时间细分
  • 未来 12 个月 B2B 客户付款方式变化预期细分
  • 最有效的销售管道
  • 供应商调查及评估中所使用的销售管道
  • 第三方市场参与度最高的产业
  • 市占率不断提升的公司的销售通路方法
  • 市场成长策略的影响
  • 在特定产业市场中市占率不断提升的公司百分比
  • 在特定产业市场中市占率不断下降的公司百分比
  • 透过第三方市场在线销售产品并获得市场占有率的公司百分比
  • 透过第三方市场在线销售产品但市占率不断下降的公司百分比
  • 线上销售的采用率市场
  • 传统 B2C 领域，哪些领域较青睐市场而非电商平台
  • 在製造商市场和通用 B2B 市场积极购物的 B2B 买家百分比
  • 对製造商市场和通用 B2B 市场无感的 B2B 买家百分比
  • B2B 市场创投
  • 创投金额与轮次细分
  • 市场创投细分
  • 亚马逊业务：B2B 电商市场概况
  • B2B 软体买家何时考虑服务供应商
  • B2B 软体买家的投资报酬率预期
  • 表示服务提供者/实施者是软体决策过程中重要因素的 B2B 软体买家百分比
  • 最终软体购买决策者细分
  • 表示软体购买选择是始终或经常基于共识
  • 担任财务长的 B2B 高阶主管在软体选择过程中始终或经常拥有最终决定权的百分比
  • 2025 年软体采购支出预计变动明细

Global E-Commerce and Payments Markets Advance Through AI, Digital Wallets, and Cross-Border Trade, yStats.com Reports

Global E-Commerce Continues to Expand

Worldwide retail E-Commerce sales are set to exceed USD 6 trillion in 2024, underscoring ongoing growth in online shopping. Social commerce is becoming a core channel for discovery and purchasing, supported by competitive prices, free shipping, and easy returns. However, high delivery costs and fraud concerns still hinder some transactions.

Digital Payments Gain Momentum

Non-cash transactions are expected to grow globally at a CAGR of +15% through 2028, driven by adoption in both retail and B2B payments. Digital wallets are increasing in popularity for their convenience, while instant payments are securing a greater share. In B2B, virtual cards are emerging as secure, automated options.

AI Becomes Integral to Commerce

By 2025, 77% of employees globally will use AI tools in their daily work, signaling its integration into business operations. In E-Commerce, AI powers personalization, virtual try-ons, and voice-enabled shopping. In payments, it strengthens fraud prevention, improves compliance processes, and optimizes checkout experiences.

Blockchain and Cryptocurrency Advance

In 2023, 65% of consumers expressed interest in paying with cryptocurrencies, showing rising demand for digital currency transactions. Institutional adoption is also growing, with blockchain used for real-time settlement, supply chain transparency, and asset tokenization.

B2B Marketplaces Drive Trade Digitization

Global B2B E-Commerce GMV is forecast to surpass EUR 35 trillion by 2026, supported by innovative marketplaces and integrated payment systems. Sector-specific platforms, AI-enabled procurement, and secure invoicing solutions are streamlining trade and boosting efficiency for global buyers and sellers.

Table of Contents

1. Management Summary

2. Key Takeaways

3. Global B2C E-Commerce Overview

• 3.1. E-Commerce Market Size, Growth & Sales Channels
  • Global: Overview of Retail & E-Commerce Sales Market, January 2025
  • Global: Retail E-Commerce Share, in % of Total Retail Sales, 2021-2027f
  • Global: Retail E-Commerce Sales, in USD trillion, in % Year-on-Year Change, 2021-2027f
  • Global: Retail E-Commerce Share, in % of Total Retail Sales, 2022-2028f
  • Global: Retail E-Commerce Sales, in USD trillion, in % Year-on-Year Change, 2022-2028f
  • Global: Overview of Online Retail Sales Market, January 2025
  • Global: Online Retail Sales as a Share of Total Retail Sales, in %, 2028f
  • Global: Online Retail Sales, in USD trillion, 2023 & 2028f
• 3.2. Shopper Experience & Digital Behavior
  • Global: E-Commerce Shopping Trends, January 2025
  • Global: Online Shopper Frustrations, in % of Respondents, 2024
  • Global: Online Shopper Experience Improvements, in % of Respondents, 2024
  • Global: Important Benefits for Online Shoppers, in % of Respondents, 2024
  • Global: Social Media Platforms Purchased From, by Online Shoppers, in % of Respondents, 2024
  • Global: Most Popular Countries for Shopping on Each Social Media Platform, February 2023
  • Global: Online Marketplace Usage, in % of Respondents, 2024
  • Global: Online Shopper Preferences for Account Creation, in % of Respondents, 2024
  • Global: Reasons for Online Shopping Cart Abandonment, in % of Respondents, 2024
  • Global: Importance of Delivery Providers in Online Shopping Decisions, by Country, in % of Respondents, 2024 (1 of 2)
  • Global: Importance of Delivery Providers in Online Shopping Decisions, by Country, in % of Respondents, 2024 (2 of 2)
• 3.3. Social Commerce & Cross-Border Shopping
  • Global: Social Media Users Making A Purchase Through Social Commerce, in %, 2024
  • Global: Baby Boomers Using Social Media For Brand Discovery, in %, 2024
  • Global: Millennials Making Purchases on TikTok, in %, November 2024
  • Global: Most Popular Countries for Buying Items from Abroad, in % of Respondents, 2024
  • Global: Share of Online Shoppers Buying from Retailers in Other Countries, in % of Respondents, 2024
  • Global: Share of Social Media Shoppers Buying From Retailers In Other Countries, in % of Respondents, 2024
  • Global: Share of Shoppers Under 45 Buying From Retailers In Other Countries, in % of Respondents, 2024
  • Global: Social Media Shopping Frequency, in % of Respondents, 2024
  • Global: Cross-Border Shopping Destinations, in % of Cross-Border Shoppers, 2024
  • Global: Top Categories for Cross-Border Purchases, in % of Cross-Border Shoppers, 2024
  • Global: Shoppers Reasons for Buying from Abroad, in % of Respondents, 2024
  • Global: Shoppers Reasons for Not Buying from Abroad, in % of Respondents, 2024

4. Global Digital Payments Ecosystem

• 4.1. Digital Payments Market Overview & Revenue Insights
  • Global: Digital Payments Adoption, Innovations and Consumer Preferences, January 2025 (Part 1 of 2)
  • Global: Digital Payments Adoption, Innovations and Consumer Preferences, January 2025 (Part 2 of 2)
  • Global: Digital Mobility Payments and Market Growth Overview, January 2025
  • Global: Total Non-cash Transactions Volume, in volume trillions, 2018 & 2021-2024e & 2028f
  • Global: Total B2B Non-cash Transactions Volume, in volume billions, 2018 & 2021-2024e & 2028f
  • Global: Payments Revenue Value, in USD trillion, 2013, 2018, 2020- 2023, 2028f
  • Global: Payments Revenue by Type, Commercial & Consumer in %, 2023
  • Global: Payments Revenue by Type, Commercial & Consumer in %, by Region, 2023
  • Global: Payments Revenue by Type, Commercial & Consumer in %, by Region, by Payment Type, 2023
  • Global: Payment Revenue Value, in USD trillion, 2027f
  • Global: Online Payment Methods Preferred by Shoppers, in % of Respondents, 2024
  • Global: Payment Mix: New Payments vs Traditional Payments, In % of transaction volume, 2023 & 2028f
  • Global: Organizations Accepting Payment Methods, by Type, in %, 2022 & 2024
  • Global: Payment Type Transactions, by Quarter, in % Year-Over-Year Change, Q4 2022 - Q3 2023
• 4.2. AI-Driven Transformation in Payments
  • Global: Overview of AI Use in Payments, June 2024 (1 of 3)
  • Global: Overview of AI Use in Payments, December 2023 (2 of 3)
  • Global: Overview of AI Use in Payments, December 2023 (3 of 3)
  • Global: Overview of AI and Machine Learning in Payments, December 2023 (1 of 2)
  • Global: AI-Driven Fraud Prevention and Risk Management in Financial Services, January 2025
  • Global: AI-Optimized Payments, Risk Management, and Customer Experience, January 2025
  • Global: AI Collaboration and Future Innovations in Payments, January 2025
  • Global: Overview of AI and Machine Learning in Payments, December 2023 (2 of 2)
  • Global: Visa AI Use Cases in Tokenized Payments, Digital Identity & Agentic Commerce, June 2025
  • Global: AI and Crypto Applications Tackle Cart Abandonment and Digital Checkout Friction, June 2025
  • Global: Challenges And Risks of AI Use in the B2C E-Commerce And Online Payments Industry, June 2024
  • Global: Use Cases of AI and Machine Learning in Payments, in % of Payment Professionals, 2023
  • Global: Top Challenges With Applying Generative AI in Banking, in % of C-Suite Executives, October 2023
  • Global: Value of AI in Payments, in USD billion, 2023 & 2031f

5. Global AI & Automation in Commerce

• 5.1. AI Adoption & Investment Landscape
  • Global: AI-Driven Transformation, Unlocking Opportunities and Addressing Challenges, June 2025
  • 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
  • Global: Adoption of New Technologies, in % of C-Suite Respondents, 2024
  • Global: Gen AI Adoption Teams 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
  • Global: Spend by Banks on Generative AI, in USD billion, 2024e & 2030f
  • Global: Breakdown of Financial Service Companies' Primary Strategy for Use of AI and ML, in %, Q1 2023
  • Global: Share of Financial Institutions Eyeing Generative AI Use For Fighting Fraud, in %, 2024e
• 5.2. AI Integration in Enterprise Operations
  • Global: Driving Innovation Through Autonomous AI and Integrated Technologies, June 2025
  • Global: Key Trends Driving the Future of Payments, June 2025
  • 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: Demographic Variation, Passive Use, and Limited Recognition of AI, June 2025
  • Global: Sector AI Maturity, Regional Adoption Patterns, and Strategic Business Transformation, June 2025
  • 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
  • Global: Consumer Openness to Generative AI in Shopping, in % of Consumers, 2024
  • Global: Consumer Openness to Generative AI in Shopping, in % of Consumers, 2024
  • Global: Consumer Interest in AI E-Commerce Features, in % of Respondents, 2025
  • Global: Key Applications of AI in Amazon's Logistics Operations, June 2025
  • 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
  • Global: Embedding of Gen AI into Business Processes by Organization Size, in % of Respondents, 2024
  • 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
  • Global: Generative AI Market Size, in USD billion, 2023e & 2027f
  • Global: Productivity Gains Through Generative AI, in % of Respondents, 2023e
  • Global: Top Customer Trends That Retail Marketers Are Watching For in 2024, in % of Retail Marketers, November 2023
  • Global: Top Commerce Use Cases For Generative AI, in % of Retail Professionals, June 2023
  • Global: Overview of AI Use in the Embedded Finance Ecosystem, January 2024 (1 of 2)
  • Global: Overview of AI Use in the Embedded Finance Ecosystem, January 2024 (2 of 2)
  • Global: Overview of AI Use in B2C E-Commerce, June 2024 (1 of 2)
  • Global: Overview of AI Use in B2C E-Commerce, June 2023 (2 of 2)
  • Global: Activities That Shoppers Desire AI Assistance With Throughout Their Shopping Experience, in % of Respondents, October 2023
  • Global: Areas in Which Software Purchases Having AI Functionality Is "Very Important", by Software Type, in % of B2B Software Buyers, March 2024
  • Global: Areas in Which Software Purchases Having AI Functionality Is "Important", by Software Type, in % of B2B Software Buyers, March 2024
  • Global: Areas in Which Software Purchases Having AI Functionality Is "Somewhat Important", by Software Type, in % of B2B Software Buyers, March 2024
  • Global: Areas in Which Software Purchases Having AI Functionality Is "Not At all Important", by Software Type, in % of B2B Software Buyers, March 2024
• 5.3. AI Revenue & Cost Impacts
  • Global: Adoption of Model Context Protocol by Major Tech and Payment Platforms, June 2025
  • Global: Embedding of Gen AI into Business Processes by Organization Size, in % of Respondents, 2024
  • Global: Revenue Increases from Generative AI in Strategy and Corporate Finance, in % of Resp., 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
  • 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
• 5.4. AI Governance, Risks, & Strategic Alignment
  • 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: 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
  • Global: Breakdown of Machine Learning Market, by End-Use Industry, in %, 2022
  • Global: Top Risks Associated With AI and Machine Learning, in % of Payment Professionals, 2023e

6. Global Blockchain & Crypto Trends

• 6.1. Blockchain Market Landscape
  • Global: Share of Population That Owns And Uses Digital Currency, in %, 2024e
  • Global: Overview of the Cryptocurrency And Blockchain Market, January 2025
  • Global: Overview of the Blockchain Market, January 2025
  • Global: Number of Cryptocurrency Owners, in millions, 2023 & 2024e
  • North America: Number of Cryptocurrency Owners, in millions, 2023 & 2024e
  • Europe: Number of Cryptocurrency Owners, in millions, 2023 & 2024e
  • Asia: Number of Cryptocurrency Owners, in millions, 2023 & 2024e
  • Oceania: Number of Cryptocurrency Owners, in millions, 2023 & 2024e
  • South America: Number of Cryptocurrency Owners, in millions, 2023 & 2024e
  • Africa: Number of Cryptocurrency Owners, in millions, 2023 & 2024e
  • Global: Share of Population That Owns Cryptocurrency, by Country, in % of Population, 2024e (1 of 3)
  • Global: Share of Population That Owns Cryptocurrency, by Country, in % of Population, 2024e (2 of 3)
  • Global: Share of Population That Owns Cryptocurrency, by Country, in % of Population, 2024e (3 of 3)
  • Global: Breakdown of Cryptocurrency Ownership, by Gender, in %, February 2022 & June 2024
  • Global: Breakdown of Gender of Cryptocurrency Owners, by Country, in %, June 2024 (1 of 2)
  • Global: Breakdown of Gender of Cryptocurrency Owners, by Country, in %, June 2024 (2 of 2)
  • Global: Breakdown of Cryptocurrency Ownership Status, by Country, in %, June 2024 (1 of 2)
  • Global: Breakdown of Cryptocurrency Ownership Status, by Country, in %, June 2024 (2 of 2)
  • Global: Share of Past Cryptocurrency Owners Exiting the Market More than 6 Months Ago, in %, June 2024
  • Global: Breakdown of Timeframes When Past Owners Sold Off Their Cryptocurrency Holdings, by Country, in %, June 2024 (1 of 2)
  • Global: Breakdown of Timeframes When Past Owners Sold Off Their Cryptocurrency Holdings, by Country, in %, June 2024 (2 of 2)
  • Global: Share of Past Cryptocurrency Owners Who Sold Their Crypto due to Lost Money on their Investment, in %, June 2024
  • Global: Share of Past Cryptocurrency Owners Who Sold Their Crypto due to Lost Money on their Investment, by Country, in % of Past Cryptocurrency Owners, June 2024
  • Global: Share of Past Cryptocurrency Owners Who Say That They Are Likely to Buy Cryptocurrency in the Next Year, in %, June 2024
  • Global: Breakdown of Likelihood of Past Owners to Buy Cryptocurrency in the Next Year, by Country, in %, June 2024 (1 of 2)
  • Global: Breakdown of Likelihood of Past Owners to Buy Cryptocurrency in the Next Year, by Country, in %, June 2024 (2 of 2)
  • Global: Share of Developers Currently Working on Or Learning About Blockchain Applications, by Type, in % of Developers, Q3 2022 (1 of 2)
  • Global: Share of Developers Currently Working on Or Learning About Blockchain Applications, by Type, in % of Developers, Q3 2022 (2 of 2)
  • Global: Biggest Blockchain Companies That Are Publicly Traded Either in the U.S. Or Canada, by Type, Revenue, and Market Cap, in USD billion/million, December 2022
  • Global: Breakdown of Developers' Status On Blockchain Applications, Excluding Cryptocurrencies, in %, Q3 2022
  • Global: Breakdown of Developers' Status On Cryptocurrencies, e.g. Bitcoin, in %, Q3 2022
  • Global: Breakdown of Developers' Status On Non-Fungible Tokens (NFTs), in %, Q3 2022
  • Global: Share of U.S., Canadian And European Banks That Have Started Exploring Blockchain Technology, in %, December 2022
  • Global: Use Cases of Cryptocurrency, in % of Cryptocurrency Owners, June 2024
  • Global: Share of Population Aged 24-35 That Own Cryptocurrency, in %, 2024e
  • Global: Share of Population That Uses Blockchain For Cryptocurrency, in %, December 2022
  • Global: Influence of Major Geopolitical Events on 10 Day Return of S&P 500, Gold, And Bitcoin, September 2024
  • Global: Influence of Major Geopolitical Events on 60 Day Return of S&P 500, Gold, And Bitcoin, September 2024
• 6.2. Blockchain Institutional Investment & Hedge Fund Activity
  • Global: Breakdown of Likelihood of Past Owners to Buy Cryptocurrency in the Next Year, by Country, in %, June 2024 (2 of 2)
  • Global: Share of Traditional Hedge Funds That Have Exposure to Digital Assets, in % of Hedge Funds, 2022, 2023, 2024e
  • Global: Ways in Which Hedge Funds Are Trading Digital Assets in, by Type of Hedge Fund, in % of Hedge Funds, Q2 2024
  • Global: Share of Hedge Funds Investing In Digital Assets That Are Using Stablecoins, in %, Q2 2024
  • Global: Share of Hedge Funds That Are Either Committed to Or Exploring Tokenization, in %, Q2 2024
  • Global: Share of Digital Asset Focused Hedge Funds That Are Investing in Tokenized Assets, in %, Q2 2024
  • Global: Breakdown Of How The Approval Of Spot Bitcoin ETFs Changed Hedge Fund Respondents' Perspective On Launching New Digital Assets Products, in %, Q2 2024
  • Global: Breakdown of Plan to Use Bitcoin ETFs as Part of Digital Asset Investment Strategy, in %, Q2 2024
  • Global: Types of Digital Assets That Hedge Funds Are Invested in, by Type of Hedge Fund, in % of Hedge Funds, Q2 2024
  • Global: Top Reasons For Using Stablecoins, by Type of Hedge Fund, in % of Hedge Funds, Q2 2024
• 6.3. Crypto Consumer Behavior
  • Global: Type of Purchases Respondents Are Interested in Making With Crypto, in % of Respondents, 2023
  • Global: Share of Respondents Who Would Choose an Online Store That Accepts Cryptocurrencies Over One That Does Not, in %, 2023
  • Global: Share of Respondents Who Would Shop More Frequently at Their Preferred Online Stores If They Accepted Cryptocurrencies, in %, 2023
  • Global: Share of Respondents Who Would Like to Be Able to Make Payments in Digital Currencies, in %, 2023
  • Global: Share of Respondents Who Would Spend More Online If Cryptocurrencies Were Accepted, in %, 2023
  • Global: Share of Cryptocurrency Owners Who Are Comfortable Making Crypto a Significant Part of Their Investment Portfolio, in %, June 2024
  • Global: Share of Adults Who Buy Crypto to Hedge Against Inflation, by Country, in % of Adults, June 2024
  • Global: Cryptocurrencies Respondents Would Choose to Be Paid in for Their work Or Business If Possible, in % of Respondents, 2023
  • Global: Share of Past Cryptocurrency Owners And Non-Owners Citing Regulatory Concerns as a Barrier to Investing in Crypto, by Country, in % of Past Cryptocurrency Owners And Non-Owners , June 2024

7. B2B E-Commerce & Digital Trade

• 7.1. Market Landscape & Buyer Decision Journeys
  • Global: Overview of B2B E-Commerce Market Trends, July 2024 (1 of 2)
  • Global: Overview of B2B E-Commerce Market Trends, July 2024 (2 of 2)
  • Global: B2B E-Commerce GMV, in USD trillion, 2022 & 2026f
  • Global: Share of B2B Buyers Who Conduct Research Online Before Purchasing, in %, 2023e
  • Global: Social Media Platforms Informing B2B Purchase Decisions, in % of Business Buyers, December 2022
  • Global: Price Sensitivity Affecting B2B Buying Choices, by Region, in % of Business Buyers, 2023e
  • Global: Share of Business Buyers Whose B2B Purchase Was Postponed Due to Various Reasons, in %, 2023e
  • Global: Top Reasons Causing a Delay or Discontinuation in a B2B Purchase, in % of Business Buyers, 2023e
  • Global: Share of Millennial And Gen Z Business Buyers Who Face Challenges That Prolong Their Purchasing Decision, in %, 2023e
• 7.2. Buyer Experience, Online Behavior, & Platform Preferences
  • Global: Top B2B Purchase Obstructions, in % of Business Buyers, 2023e
  • Global: Share of B2B Buyers Who Grade Their B2B E-Commerce Experience as "Excellent", in %, 2023
  • Global: Share of B2B Buyers Who Prefer to Place Orders Online Through Suppliers' Websites, in %, 2023
  • Global: Share of B2B Buyers Who Would Switch Suppliers If Another B2B Web Store Offered a Better Experience, in %, 2023
  • Global: Share of B2B Buyers Who Believe That a Bad Buying Experience Impacts Their Relationship With the Supplier to Some Extent, in %, 2023
  • Global: Share of SMBs That Plan to Boost Their Online Procurement Spending in the Coming Year, in %, 2023
  • Global: Share of B2B Buyers Who Are Likely to Switch to Another Supplier, by Buyer Segments, in % of Business Buyers, 2023
  • Global: Share of SMB B2B Buyers Who Expect Their Online Spend to Increase in the Next Year, by Industry, in % of SMB Business Buyers, 2024e
  • Global: Share of B2B Buyers Who Believe That an Easy And Accurate Online Web Store Experience Is Important, in %, 2023
  • Global: Share of B2B Buyers Who Say That They Prefer to Place Repeat Orders Online, in %, 2023
  • Global: Share of Web Store B2B Orders Experiencing Order Errors, in %, 2023
  • Global: Share of B2B Buyers Who Prefer to Place Complex And High Value Orders Online, in %, 2023
  • Global: Share of B2B Buyers Reporting Being Put Off From Ordering Online Due to Order Errors, in %, 2023
  • Global: Share of B2B Orders Placed Via Web Stores Experiencing Order Errors, by Buyer Segments, in % of Business Buyers, 2023*
  • Global: Agreed Information/Data Needed From Supplier When Ordering Online, in % of Business Buyers, 2023
  • Global: Information/Data Needed From Supplier When Ordering Online, in % of Business Buyers, 2023
  • Global: Share of B2B Buyers Who Have at Least One Reason That Prevents Them From Placing Orders Online, in %, 2023*
  • Global: Top Hurdles to Online Purchasing, in % of Business Buyers, 2023
  • Global: Top Reasons to Increase Online Spend, in % of Business Buyers, 2024e
  • Global: Most Important Aspects When Purchasing Online, in % of Business Buyers, 2024e
• 7.3. Payments, Platforms, Marketplaces, & Technology Influence
  • Global: Top B2B Purchase Obstructions, in % of Business Buyers, 2023e
  • Global: B2B Payment Market Trends, July 2024
  • Global: AI Use in the B2B Payments Market, July 2024
  • Global: B2B Payment Value, in USD trillion, 2024e & 2028f
  • Global: B2B Card Payment Value, in USD trillion, 2024e & 2028f
  • Global: B2B Virtual Card Payment Value, in USD trillion, 2024e & 2028f
  • Global: B2B Payment Channel Growth by 2028, in %, 2024e
  • Global: Share of B2B Distributors Who Plan to Overhaul Their Digital Presence, in %, 2022
  • Global: Breakdown of B2B Invoice Payment Time, by Country, in % of Total Value of B2B Invoices,
  • Q2 2023 & 2024 (Part 1 of 2)
  • Global: Breakdown of B2B Invoice Payment Time, by Country, in % of Total Value of B2B Invoices,
  • Q2 2023 & 2024 (Part 2 of 2)
  • Global: Breakdown of Expectation of Change in B2B Customer Payment Practices Over the Next 12 Months, in % of Companies, Q2 2023 & 2024 (Part 1 of 2)
  • Global: Breakdown of Expectation of Change in B2B Customer Payment Practices Over the Next 12 Months, in % of Companies, Q2 2023 & 2024 (Part 2 of 2)
  • Global: Most Effective Sales Channels, in % of Respondents, 2022
  • Global: Sales Channels Used to Research And Evaluate Suppliers, in % of Companies, 2019 & 2022
  • Global: Most Present Sectors on Third-Party Marketplaces, in % of Companies, December 2022
  • Global: Companies' That Are Winning Market Share Approach to Sales Channels, in % of Companies, December 2022
  • Global: Impact of Market Growth Strategies, by Company Type, in % of Companies, 2022
  • Global: Share of Companies That Are Winning Market Share That Are on Industry-Specific Marketplaces, in %, December 2022
  • Global: Share of Companies That Are Losing Market Share That Are on Industry-Specific Marketplaces, in %, December 2022
  • Global: Share of Companies That Are Winning Market Share That Are Selling Their Products Online Through a Third-Party Marketplace, in %, December 2022
  • Global: Share of Companies That Are Losing Market Share That Are Selling Their Products Online Through a Third-Party Marketplace, in %, December 2022
  • Global: Implementation Level of Online Marketplaces of Winning vs. Losing Companies, in % of Companies, December 2022
  • Global: Areas in Which a Marketplace is Preferred Over a Traditional B2C E-Commerce Platform, in % of Business Buyers, 2024e
  • Global: Share of B2B Buyers Who Would Actively Prefer to Shop On a Manufacturer's Marketplace vs. a General Purpose B2B Marketplace, in %, 2024e
  • Global: Share of B2B Buyers Who Are Indifferent About Shopping On a Manufacturer's Marketplace vs. a General Purpose B2B Marketplace, in %, 2024e
  • Global: B2B Marketplaces VC Funding Value, in USD billion, in % of Year-on-Year Change, 2020-2023
  • Global: Breakdown of VC Funding Amount And Round Count, by Vertical vs. Horizontal Marketplaces, in %, 2020-2023
  • Global: Breakdown of Marketplace VC Funding, by Type of Marketplace, in %, January 2024
  • Amazon Business: B2B E-Commerce Marketplace Profile, October 2024 (1 of 2)
  • Amazon Business: B2B E-Commerce Marketplace Profile, October 2024 (2 of 2)
  • Global: Time When B2B Software Buyers Consider Service Providers, in % of B2B Software Buyers, March 2024
  • Global: ROI Expectations, in % of B2B Software Buyers, March 2024
  • Global: Share of B2B Software Buyers Who Say That Service Providers/Implementers Are a Factor in Their Software Decision-Making Process, in %, March 2024
  • Global: Breakdown of Who Has Final Software Purchase Decision-Making Power, by Position/Department, in %, March 2024
  • Global: Share of B2B Software Buyers Who Report That The Selection of Software Purchases Is Always or Frequently Consensus-Based, in %, March 2024
  • Global: Share of B2B Executives Being CFOs That Always or Frequently Hold the Final Decision-Making Power in the Software Selection Process, in %, March 2024
  • Global: Breakdown of Anticipated Change in Software Purchase Spend by 2025, in %, March 2024