全球电子商务与支付概览（2025）：第三卷：欧洲电子商务、支付与人工智慧转型

欧洲电子商务、支付和人工智慧转型的动力源自于数位成熟度、创新和策略整合。

B2C 电子商务：从加速成长到稳定发展

预计到 2028 年，西欧线上零售市场规模将超过 8,000 亿美元，标誌着该地区正迈向持续均衡成长阶段。在消费者信心增强、物流基础设施改善和数位包容性的推动下，电子商务正日益成为首选的购物管道。

数位支付：便利、低成本的选择引领潮流

到 2024 年，超过 60% 的欧洲人将使用线上支付，近一半的人将使用应用程式内支付，这标誌着消费者行为正显着转向行动端。数位钱包和银行支付模式兼具便利性和低成本优势，正逐渐成为主流，并重塑着整个地区的交易习惯。

人工智慧整合：扩张与监理谨慎

到2024年，约有一半的欧洲人将使用生成式人工智慧工具；到2025年，预计约有70%的德国企业将人工智慧整合到其业务流程中。儘管人工智慧的应用日益普及，但人们对虚假资讯和资料保护的担忧仍然强烈，这促使欧洲继续采取谨慎渐进的方式，负责任地应用人工智慧。

B2B电子商务：重心转向数位效率与策略

2024年，新市场平台的上线数量有所下降，企业优先考虑整合和优化自身策略。 目前，四分之三的B2B企业正在致力于建立市场生态系统，重点转向灵活的支付方式、区域整合以及简化数位化采购流程。

本报告探讨了欧洲电子商务、支付和人工智慧转型的发展趋势，概述了该地区的B2C电子商务、数位支付生态系统、人工智慧应用趋势以及B2B电子商务和数位贸易的发展趋势。

目录

第一章：要点总结

第二章：管理概要

第三章：欧洲：B2C 电子商务概览

• 西欧市场概览
  • 西欧：零售电子商务市场占有率
  • 西欧：零售电子商务销售额
  • 西欧：线上零售销售预测
  • 法国：电子商务市场价值
  • 义大利：电子商务市场价值预测
• 各国线上购物渗透率
  • 义大利
  • 奥地利
  • 瑞士
  • 芬兰
  • 波兰
  • 捷克共和国
  • 匈牙利
  • 希腊
  • 斯洛维尼亚
  • 罗马尼亚
  • 斯洛伐克
  • 塞尔维亚
  • 立陶宛
  • 保加利亚
  • 克罗埃西亚
  • 爱沙尼亚
  • 拉脱维亚

第四章 欧洲：数位支付生态系

• 欧洲及中东和非洲：支付市场概况
  • 欧洲：依类别划分的数位支付普及率
  • 欧洲：非现金交易总额趋势及预测
  • 欧洲：B2B非现金交易总额趋势及预测
  • 欧洲、中东和非洲：支付收入趋势及预测
  • 欧洲、中东和非洲：支付收入（依类型、商业和消费者划分）
  • 欧洲、中东和非洲：支付收入占有率预测
  • 欧洲：支付组合：新型支付方式与传统支付方式的比例
  • 欧洲：依类别划分的数位支付使用情况
  • 欧洲：店内数位钱包采用率（依类别划分）
  • 欧洲：依类别划分的数位钱包采用率：线上
  • 欧洲：依类别划分的数位钱包采用率：应用程式内
  • 欧洲、中东和非洲：支付市场成长（区域复合年增长率）
  • 欧洲、中东和非洲：支付市场收入占有率（区域预测）
• 西欧及主要市场：消费者支付行为
  • 西欧：即时经济支付方式的使用频率（消费者百分比）
  • 西欧：使用银行卡付款进行线上支付的意愿
  • 西欧：吸引消费者的银行卡支付功能
  • 西欧：线上使用信用卡的主要原因（信用卡使用者百分比）
  • 西欧：影响消费者选择线上支付方式的因素
  • 英国：线上支付方式及消费者偏好概述
  • 英国：即时经济支付方式的使用频率（消费者百分比）
  • 英国：在线使用信用卡的主要原因（信用卡用户百分比）
  • 英国：尝试新线上支付方式的重要因素
  • 英国：Z世代愿意尝试新线上付款方式的百分比
  • 英国：使用银行付款进行线上支付的意愿
  • 英国：吸引消费者的银行支付功能及银行特征
  • 英国：影响消费者选择线上支付方式的因素
  • 英国：使用特定付款方式进行线上购物的成年人百分比（以付款方式划分）
  • 英国：成年人 "先买后付" 使用率与欧洲的比较
  • 英国：使用 "先买后付" 服务的成年人百分比
  • 英国：信用卡交易量趋势及预测
  • 英国：快速支付与远距银行交易总量（表现及预测）
  • 英国：金融卡交易总量趋势及预测
  • 英国：非接触式金融卡及信用卡交易总量趋势及预测
  • 英国：Bacs直接转帐交易总量趋势及预测
  • 英国：直接扣款支付量（表现及预测）
  • 英国：银行卡交易（金融卡和信用卡）占有率趋势及预测
  • 英国：金融卡与信用卡非接触式交易占比
  • 英国：使用网路银行和手机银行的成年人比例
  • 法国：线上支付方式及消费者偏好概述
  • 法国：网路购物者使用的线上付款方式占比
  • 法国：即时经济中支付方式的使用频率
  • 法国：在线使用信用卡的主要原因
  • 法国：成年人在线上使用信用卡的主要原因60岁以上
  • 法国：影响消费者选择线上支付方式偏好的因素
  • 法国：Z世代愿意尝试新线上支付方式的比例
  • 法国：成人 "先买后付" （BNPL）使用率与欧洲的比较
  • 法国：使用银行付款进行线上支付的意愿
  • 法国：银行支付对消费者的吸引力
  • 法国：对银行支付的熟悉程度
  • 法国：从未在线上使用过银行支付
  • 法国：18-29岁及60岁以上成年人使用银行支付的比例；对银行支付有所了解的人群比例
  • 法国：实际且预测的银行卡交易量
  • 法国：18-24岁族群中非接触式金融卡使用者的比例
  • 法国：18-24岁族群中行动支付服务用户的比例
  • 德国：概述线上支付方式与消费者偏好
  • 德国：电子商务支付方式（依收入占有率划分）
  • 德国：即时经济中支付方式的使用频率
  • 德国：Z世代到2024年愿意尝试新的线上支付方式
  • 德国：使用银行转帐进行线上付款的意愿
  • 德国：银行转帐对消费者的吸引力
  • 德国：成年人 "先买后付" （BNPL）采用率与欧洲其他地区的比较
  • 德国：在线使用信用卡的主要原因
  • 德国：影响消费者选择线上支付方式偏好的因素
  • 德国：电子商务市场价值（实际值与预测值）
  • 德国：以支付方式类型划分
  • 德国：银行卡交易量（实际值和预测值）
  • 德国：银行卡组织市场占有率
  • 西班牙：线上支付方式与消费者偏好概述
  • 西班牙：支付方式使用频率即时经济
  • 西班牙：Z世代到2024年愿意尝试新的线上支付方式
  • 西班牙：使用银行付款进行线上支付的意愿
  • 西班牙：18-29岁族群每日或每週使用银行支付的比例
  • 西班牙：吸引消费者的银行支付功能
  • 西班牙：在线使用信用卡的主要原因
  • 西班牙：影响消费者选择线上支付方式偏好的因素
  • 西班牙：与欧洲相比，成年人 "先买后付" （BNPL）的采用率
  • 荷兰：线上支付方式与消费者偏好概述
  • 荷兰：每月至少使用一次银行支付的人口比例
  • 荷兰：18-29岁和30-39岁成年人每日或每週使用银行支付的比例
  • 荷兰：使用银行支付的意愿在线支付
  • 荷兰：消费者使用银行卡付款的吸引力
  • 荷兰：在线使用信用卡的主要原因
  • 荷兰：影响消费者选择线上支付方式的因素
  • 荷兰：Z世代到2024年愿意尝试新的线上付款方式
  • 荷兰：成年人 "先买后付" （BNPL）采用率与欧洲的比较
  • 义大利：线上支付方式与消费者偏好概述
  • 义大利：依付款方式划分的线上交易
  • 义大利：支付方式类型区隔
  • 义大利：越来越多使用银行卡进行线上和线下购物的消费者比例
  • 义大利：Z世代线上线下购物银行卡使用量增加的区隔
  • 义大利：喜欢使用信用卡还是藉记卡进行消费追踪的消费者比例便利性
  • 义大利：义大利及其他国家/地区消费者对数位支付的偏好百分比
  • 义大利：优先考虑折扣和奖励并选择数位支付方式的千禧世代百分比
  • 义大利：优先考虑数位支付折扣和奖励的消费者百分比
  • 义大利：选择数位支付而非现金的主要因素
  • 义大利：以市占率划分的卡片组织构成
  • 义大利：实际且预测的银行卡交易量
  • 比利时：线上支付方式与消费者偏好概述
  • 瑞典：线上支付方式与消费者偏好概述
  • 奥地利：线上支付方式与消费者偏好概述
  • 奥地利：未来两年提高行动支付使用率的计划
  • 奥地利：数位钱包使用情况（依类型划分）
  • 奥地利：非接触式金融卡和现金的使用情况
  • 使用银行卡支付的人口比例
  • 奥地利：历史及预测的银行卡交易量
  • 瑞士：线上支付方式及消费者偏好概览
  • 瑞士：偏好使用数位支付服务商作为支付方式的消费者比例
  • 瑞士：历史及预测的行动支付使用率（以支付方式划分）
  • 丹麦：线上支付方式及消费者偏好概览
  • 芬兰：线上支付方式及消费者偏好概览
  • 芬兰：即时经济中各种支付方式的使用频率
  • 芬兰：18-29岁族群中每日或每週使用银行卡支付的人口比例
  • 芬兰：使用银行卡付款进行线上支付的意愿
  • 芬兰：Z世代到2024年愿意尝试新的线上付款方式
  • 芬兰：使用信用卡的主要原因在线
  • 芬兰：影响消费者选择线上支付方式的因素
  • 芬兰：非接触式金融卡是最常用的付款方式
  • 芬兰：成年人 "先买后付" （BNPL）使用率与欧洲其他地区的比较
  • 挪威：线上支付方式与消费者偏好概述
  • 葡萄牙：线上支付方式与消费者偏好概述
  • 爱尔兰：线上支付方式与消费者偏好概述
  • 爱尔兰：偏好使用数位支付服务商作为支付方式的人群比例
  • 爱尔兰：18-24岁族群使用行动支付服务的比例；非接触式金融卡用户比例
  • 爱尔兰：18-24岁族群中非接触式金融卡使用者比例
• 东欧和南欧：支付趋势和市场指标
  • 土耳其：概述线上支付方式与消费者偏好
  • 土耳其：电子商务支付方式及消费者趋势概述
  • 土耳其：以市占率划分的卡片组织组成
  • 土耳其：依类型划分的支付方式构成
  • 波兰：线上支付方式及消费者偏好概述
  • 波兰：历史及预测的银行卡交易量
  • 波兰：线上购物付款方式使用率（依年龄划分）
  • 波兰：线上购物付款方式使用率（依城市规模划分）
  • 波兰：线上购物付款方式使用率（依性别划分）
  • 波兰：选择线上购物付款方式的原因（依年龄划分）
  • 波兰：选择线上购物付款方式的原因（依性别划分）
  • 波兰：线上付款方式使用率
  • 波兰：15-24岁年轻人的BLIK使用率25-34
  • 捷克共和国：线上支付方式与消费者偏好概述
  • 捷克共和国：实际且预测的银行卡交易量
  • 捷克共和国：18-24岁族群中偏好非接触式支付的行动钱包（Apple Pay、Google Pay）比例
  • 捷克共和国：首选支付方式
  • 匈牙利：线上支付方式与消费者偏好概述
  • 匈牙利：银行卡交易量（实际与预测）
  • 匈牙利：行动支付渗透率（实际与预测）
  • 希腊：线上支付方式与消费者偏好概述
  • 希腊：银行卡交易量（实际与预测）
  • 希腊：依支付管道划分的银行卡交易量占有率（实际和预测）
  • 斯洛维尼亚：线上支付方式与消费者偏好概述
  • 斯洛维尼亚：银行卡交易量（实际与预测）预测）
  • 斯洛维尼亚：非接触式银行卡交易量（表现与预测）
  • 罗马尼亚：线上支付方式及消费者偏好概述
  • 罗马尼亚：银行卡交易量（表现与预测）
  • 斯洛维尼亚和斯洛伐克：线上支付方式及消费者偏好概述
  • 斯洛伐克：银行卡交易量（表现与预测）
  • 塞尔维亚：线上支付方式及消费者偏好概述
  • 塞尔维亚：银行卡交易量（表现与预测）
  • 立陶宛：线上支付方式及消费者偏好概述
  • 立陶宛：银行卡交易量（表现与预测）
  • 保加利亚：线上支付方式及消费者偏好概述
  • 保加利亚：银行卡交易量（表现与预测）
  • 克罗埃西亚：线上支付方式及消费者偏好概述
  • 克罗埃西亚：银行卡交易量（绩效与预测）
  • 爱沙尼亚：线上支付方式及消费者偏好概述
  • 拉脱维亚：线上支付方式及消费者偏好概述

第五章 欧洲：商业中的人工智慧与自动化

• 欧洲及各地区的人工智慧应用情况
• 北欧和西欧：各国人工智慧应用率
• 南欧与东欧：各国人工智慧应用率
• 欧洲：员工人数在10人以上的公司中，各国人工智慧技术应用率
• 欧洲：员工人数在10人及以上的公司中，人工智慧应用类型的百分比
• 欧洲：员工使用人工智慧工具的情况（依国家/地区划分）
• 欧洲：生成式人工智慧应用缓慢、IT投资不足、基础设施限制
• 欧洲：人工智慧驱动的人才技能提升目标、人才保留问题、合规性障碍
• 欧洲： LVMH在设计、电子商务、互动与营运中的人工智慧应用
• 欧洲：LVMH在电子商务搜寻、会员计画和销售工具中应用人工智慧
• 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、加值服务和基础设施效率提升
• 欧洲：人工智慧钱包整合、P2P扩展、数位欧元整合
• 欧洲：人工智慧驱动的MCA成长、支付服务提供者整合以及PSD3监管挑战
• 欧洲：数位欧元、MCA监管、创新框架、人工智慧驱动的支付
• 欧洲：人工智慧驱动的诈欺预防、生物辨识认证、令牌化结帐解决方案
• 欧洲：人工智慧驱动的支付中的深度伪造、合成ID和註册操纵
• 欧洲：多通路欺骗、人工智慧驱动的假讯息、诈欺情势带来的负担
• 欧洲：诈欺防制、聊天机器人自动化、个人化与流程效率

Europe's E-Commerce, Payments, and AI Transformation Accelerates Through Digital Maturity, Innovation, and Strategic Integration, yStats.com Reports

B2C E-Commerce: From Acceleration to Steady Expansion

Western Europe's online retail market is forecast to surpass USD 800 billion by 2028, reflecting the region's transition to sustained and balanced growth. Rising consumer confidence, better logistics, and digital inclusivity continue to reinforce E-Commerce as a standard purchasing channel.

Digital Payments: Seamless and Low-Cost Options Lead

More than 60% of Europeans relied on online payment methods in 2024, and nearly half used in-app options, highlighting a strong shift to mobile-driven spending. Wallets and Pay by Bank models dominate for their ease and affordability, reshaping transaction habits across the region.

AI Integration: Expansion Meets Regulatory Caution

In 2024, almost half of Europeans explored Generative AI tools, and by 2025, close to 70% of German enterprises integrated them into workflows. Despite momentum, concerns about misinformation and data protection continue to define Europe's measured path toward trusted AI adoption.

B2B E-Commerce: Focus Shifts to Digital Efficiency and Strategy

Marketplace launches slowed in 2024 as firms prioritized consolidation and tailored strategies. With three-quarters of B2B players now building marketplace ecosystems, emphasis is shifting toward flexible payments, regional integration, and streamlined digital procurement.

Table of Contents

1. Key Takeaways

2. Management Summary

3. Europe: B2C E-Commerce Overview

• 3.1. Western Europe - Market Overview
  • Western Europe: Retail E-Commerce Share, in % of Total Retail Sales, 2022-2028f
  • Western Europe: Retail E-Commerce Sales, in USD billion, in % of Year-on-Year Change, 2022-2028f
  • Western Europe: Online Retail Sales, in USD billion, 2023 & 2028f
  • France: E-Commerce Market Value, in EUR billion, 2022 & 2023
  • Italy: E-Commerce Market Value, in USD billion, 2023 & 2027f
• 3.2. Country-Level Online Purchase Penetration
  • Italy: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • Austria: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • Switzerland: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • Finland: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • Poland: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • Czech Republic: Share of Population Aged 16-74 Who Purchased Goods/Services Online, in %, 2019-2024e
  • Hungary: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • Greece: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • Slovenia: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • Romania: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • Slovakia: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • Serbia: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • Lithuania: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • Bulgaria: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • Croatia: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • Estonia: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • Latvia: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e

4. Europe: Digital Payments Ecosystem

• 4.1. Europe & EMEA - Payment Market Landscape
  • Europe: Digital Payments Adoption by Category, in % of respondents, 2024
  • Europe: Total Non-cash Transactions Volume, in volume billions, 2018 & 2021-2024e & 2028f
  • Europe: Total B2B Non-cash Transactions Volume, in volume billions, 2018 & 2021-2024e & 2028f
  • Europe, Middle East, and Africa: Payments Revenue Value, in USD trillion, 2013, 2018, 2020- 2023
  • Europe, Middle East, and Africa: Payments Revenue by Type, Commercial & Consumer in %, 2018 & 2023
  • EMEA: Share of Payment Revenue Value, in %, 2027f
  • Europe: Payment Mix: New Payments vs Traditional Payments, In % of Transaction Volume, 2023
  • Europe: Share of Respondents Using Digital Payments, by Category, in % of Respondents, 2024
  • Europe: Digital Wallets Adoption by Category: In-Store, in % of Digital Payment Users, 2024
  • Europe: Digital Wallets Adoption by Category: Online, in % of Digital Payment Users, 2024
  • Europe: Digital Wallets Adoption by Category: In-App, in % of Digital Payment Users, 2024
  • Europe, Middle East, and Africa: Payments Market Growth by Global Region, CAGR (%), 2022 - 2027f
  • Europe, Middle East, and Africa: Payments Market Revenue Share by Global Region, in %, 2027f
• 4.2. Western Europe & Major Markets - Consumer Payment Behavior
  • Western Europe: Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
  • Western Europe: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024
  • Western Europe: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024
  • Western Europe: Features That Make Pay by Bank Appealing to Consumers, in % Respondents, 2024
  • Western Europe: Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024
  • Western Europe: Factors Influencing Consumers' Pref. When Selecting an Online Payment Method, in %, 2024
  • UK: Overview of Online Payment Methods and Consumer Preferences, March 2025
  • UK: Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
  • UK: Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024
  • UK: Important Factors When Trying New Online Payment Methods, in %, 2024
  • UK: Share of Generation Z (Ages 18-29) Willing to Try New Online Payment Methods, in %, 2024
  • UK: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024
  • UK: Features That Make Pay by Bank Appealing to Consumers, in % Respondents, 2024
  • UK: Factors Influencing Consumers' Preferences When Selecting an Online Payment Method, in %, 2024
  • UK: Share of Adults Using Selected Payment Methods for Online Purchases, by Payment Method, in %, 2024
  • UK: Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
  • UK: Share of Adults Using Buy Now Pay Later Services, in %, 2022 and 2023
  • UK: Cards Transaction Value, in USD trillion, 2023 & 2027f
  • UK: Total Payments via Faster Payments and Remote Banking, in billions, 2023 & 2033f
  • UK: Total Debit Card Payments, in billions, 2023 & 2033f
  • UK: Contactless Debit and Credit Card Payment Volume, in billions, 2023 & 2033f
  • UK: Bacs Direct Credit Payment Volume, in billions, 2023 & 2033f
  • UK: Direct Debit Payment Volume, in billions, 2023 & 2033f
  • UK: Share of Card Payments (Debit and Credit), in %, 2023 & 2033f
  • UK: Share of Payments Made via Contactless Debit and Credit Cards, in %, 2033f
  • UK: Share of Adults Using Online vs Mobile Banking, in %, 2023
  • France: Overview of Online Payment Methods and Consumer Preferences, March 2025
  • France: Share of Online Payment Methods Used by Online Shoppers, in %, 2024
  • France: Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
  • France: Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024
  • France: Top Reasons for Using a Credit Card Online Among Adults Aged 60+, in % of Respondents, 2024
  • France: Factors Influencing Consumers' Pref. When Selecting an Online Payment Method, in %, 2024
  • France: Share of Generation Z (Ages 18-29) Willing to Try New Online Payment Methods, in %, 2024
  • France: Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
  • France: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024
  • France: Features That Make Pay by Bank Appealing to Consumers, in % Respondents, 2024
  • France: Share of Respondents Familiar With Pay by Bank, in % of Respondents, 2024
  • France: Share of Respondents Who Have Never Used Pay by Bank Online, in %, 2024
  • France: Share of Adults Somewhat Familiar with Pay by Bank, Aged 18-29 and 60+, in %, 2024
  • France: Cards Transaction Value, in USD billion, 2024 & 2028f
  • France: Share of 18-24-Year-Olds Using Contactless Debit Cards, in %, 2023
  • France: Share of 18-24-Year-Olds Using Mobile Payment Services, in %, 2023
  • Germany: Overview of Online Payment Methods and Consumer Preferences, March 2025
  • Germany: E-Commerce Payment Methods by Revenue Share, in %, 2023
  • Germany: Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
  • Germany: Share of Generation Z (ages 18-29) Willing to Try New Online Payment Methods, in %, 2024
  • Germany: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024
  • Germany: Features That Make Pay by Bank Appealing to Consumers, in % Respondents, 2024
  • Germany: Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
  • Germany: Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024
  • Germany: Factors Influencing Consumers' Pref. When Selecting an Online Payment Method, in %, 2024
  • Germany: E-Commerce Market Value, in USD billion, 2023 & 2027f
  • Germany: Breakdown of Payment Methods by Type, in %, 2023
  • Germany: Cards Transaction Value, in USD billion, 2023 & 2027f
  • Germany: Breakdown of Card Schemes by Market Share, in %, 2023
  • Spain: Overview of Online Payment Methods and Consumer Preferences, March 2025
  • Spain: Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
  • Spain: Share of Generation Z (Ages 18-29) Willing to Try New Online Payment Methods, in %, 2024
  • Spain: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024
  • Spain: Share of Young Adults Aged 18-29 Using Pay by Bank Daily or Weekly, in %, 2024
  • Spain: Features That Make Pay by Bank Appealing to Consumers, in % Respondents, 2024
  • Spain: Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024
  • Spain: Factors Influencing Consumers' Preferences When Selecting an Online Payment Method, in %, 2024
  • Spain: Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
  • Netherlands: Overview of Online Payment Methods and Consumer Preferences, March 2025
  • Netherlands: Share of Consumers Using Pay by Bank at Least Monthly, in %, 2024
  • Netherlands: Share of Adults Using Pay by Bank Daily or Weekly, Aged 18-29 and 30-39, in %, 2024
  • Netherlands: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024
  • Netherlands: Features That Make Pay by Bank Appealing to Consumers, in % Respondents, 2024
  • Netherlands: Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024
  • Netherlands: Factors Influencing Consumers' Pref. When Selecting an Online Payment Method, in %, 2024
  • Netherlands: Share of Generation Z (ages 18-29) Willing to Try New Online Payment Methods, in %, 2024
  • Netherlands: Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
  • Netherlands: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • Italy: Overview of Online Payment Methods and Consumer Preferences, March 2025
  • Italy: Breakdown of Online Transactions by Payment Method, in %, 2023
  • Italy: Breakdown of Payment Methods by Type, in %, 2023
  • Italy: Share of Consumers Increasing Card Use for Online vs. In-Store Purchases, in %, 2024
  • Italy: Breakdown of Gen Z Increasing Card Use for Online and In-Store Purchases, in %, 2024
  • Italy: Share of Consumers Preferring Credit or Debit Cards for Tracking Expenses & Convenience, in %, 2024
  • Italy: Share of Consumers Preferences for Digital Payments in Italy and Abroad, in %, 2024
  • Italy: Share of Millennials Prioritizing Discounts & Benefits Choosing Digital Payment Methods, in %, 2024
  • Italy: Share of Consumers Prioritizing Discounts & Benefits in Digital Payments, %, 2024
  • Italy: Main Factors for Choosing Digital Payments Over Cash, in %, 2024
  • Italy: Breakdown of Card Schemes by Market Share, in %, 2023
  • Italy: Cards Transaction Value, in USD billion, 2023 & 2027f
  • Belgium: Overview of Online Payment Methods and Consumer Preferences, March 2025
  • Sweden: Overview of Online Payment Methods and Consumer Preferences, March 2025
  • Austria: Overview of Online Payment Methods and Consumer Preferences, March 2025
  • Austria: Share of Respondents Planning to Increase Mobile Payment Use in the Next Two Years, in %, 2023
  • Austria: Breakdown of Digital Wallet Usage by Type, in %, 2024
  • Austria: Share of Respondents Using Contactless Debit Cards and Cash, in %, 2020-2023
  • Austria: Cards Transaction Value, in USD billion, 2024 & 2028f
  • Switzerland: Overview of Online Payment Methods and Consumer Preferences, March 2025
  • Switzerland: Share of Respondents Preferring Digital Payment Providers for Payments, in %, 2023
  • Switzerland: Share of Mobile Payment Usage, by Payment Method, in %, 2021-2024 (Part 1 of 2)
  • Switzerland: Share of Mobile Payment Usage, by Payment Method, in %, 2021-2024 (Part 2 of 2)
  • Denmark: Overview of Online Payment Methods and Consumer Preferences, March 2025
  • Finland: Overview of Online Payment Methods and Consumer Preferences, March 2025
  • Finland: Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
  • Finland: Share of Young Adults Aged 18-29 Using Pay by Bank Daily or Weekly, in %, 2024
  • Finland: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024
  • Finland: Share of Generation Z (ages 18-29) Willing to Try New Online Payment Methods, in %, 2024
  • Finland: Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024
  • Finland: Factors Influencing Consumers' Preferences When Selecting an Online Payment Method, in %, 2024
  • Finland: Share of Respondents Using Contactless Debit Cards as the Most Frequent Paym. Meth., in %, 2023
  • Finland: Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
  • Norway: Overview of Online Payment Methods and Consumer Preferences, March 2025
  • Portugal: Overview of Online Payment Methods and Consumer Preferences, March 2025
  • Ireland: Overview of Online Payment Methods and Consumer Preferences, March 2025
  • Ireland: Share of Respondents Preferring Digital Payment Providers for Payments, in %, 2023
  • Ireland: Share of 18-24-Year-Olds Using Mobile Payment Services, in %, 2023
  • Ireland: Share of 18-24-Year-Olds Using Contactless Debit Cards, in %, 2023
• 4.3. Eastern & Southern Europe - Payment Trends & Market Metrics
  • Turkey: Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Turkey: Payment Methods and Consumer Trends in E-Commerce Overview, April 2025
  • Turkey: Breakdown of Card Schemes by Market Share, in %, 2023
  • Turkey: Breakdown of Payment Methods by Type, in %, 2023
  • Poland: Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Poland: Cards Transaction Value, in USD billion, 2023 & 2027f
  • Poland: Share of Payment Methods Used for Online Purchases, by Age, in % Online Shoppers, 2024
  • Poland: Share of Payment Methods Used for Online Purchases, by City Size, in % of Online Shoppers, 2024
  • Poland: Share of Payment Methods Used for Online Purchases, by Gender, in % of Online Shoppers, 2024
  • Poland: Reasons for Choosing Payment Methods for Online Purchases, by Age, in % Online Shoppers, 2024
  • Poland: Reasons for Choosing Pay. Methods for Online Purchases, by Gender, in % Online Shoppers, 2024
  • Poland: Share of Online Payment Method Usage, in % of Internet Users, 2024
  • Poland: Share of BLIK Usage Among Young Adults, Aged 15-24 and 25-34, in %, 2024
  • Czech Republic: Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Czech Republic: Cards Transaction Value, in USD billion, 2023 & 2027f
  • Czech Republic: Share of 18-24-Year-Olds Preferring Mobile Wallets (Apple Pay, Google Pay), in %, 2024
  • Czech Republic: Preferred Payment Methods, in % of Respondents, 2024
  • Hungary: Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Hungary: Cards Transaction Value, in USD billion, 2024 & 2028f
  • Hungary: Mobile Payment Adoption Rate, in %, 2022 & 2023
  • Greece: Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Greece: Cards Transaction Value, in USD billion, 2023 & 2027f
  • Greece: Share of Card Transaction Value, by Payment Channel, in %, 2021-2023e
  • Slovenia: Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Slovenia: Cards Transaction Value, in USD billion, 2023 & 2024 & 2028f
  • Slovenia: Number of Contactless Payment Cards, in millions, 2023 & 2028f
  • Romania: Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Romania: Cards Transaction Value, in USD billion, 2023 & 2024 & 2028f
  • Slovakia: Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Slovakia: Cards Transaction Value, in USD billion, 2023 & 2024 & 2028f
  • Serbia: Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Serbia: Cards Transaction Value, in USD billion, 2024 & 2028f
  • Lithuania: Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Lithuania: Cards Transaction Value, in USD billion, 2024 & 2028f
  • Bulgaria: Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Bulgaria: Cards Transaction Value, in USD billion, 2023 & 2024 & 2028f
  • Croatia: Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Croatia: Cards Transaction Value, in USD billion, 2024 & 2028f
  • Estonia: Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Latvia: Overview of Online Payment Methods and Consumer Preferences, April 2025

5. Europe: AI & Automation in Commerce

• 5.1. Europe-Wide & Regional AI Adoption, and Applications
  • North. & West. Europe: Adoption of AI by Country, in % of Res. Report. Regular Use, Nov 2024 - Jan 2025
  • South. & East. Europe: Adoption of AI by Country, in % of Resp. Report. 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 Resp. Using AI Several Times Weekly, June 2025
  • 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
  • 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
  • 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
  • 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
  • Europe: Fraud Prevention, Chatbot Automation, Personalization, and Process Efficiency, July 2025
• 5.2. European AI Use Cases, Trust, Regulation & Governance
  • Europe: AI Use Cases in Risk and Compliance Functions, in % of Respondents, Aug - Sep 2024
  • Europe: Personal and Work Adoption of Top Generative AI Use Cases, in % of Respond., 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 Resp., Nov 2024 - Jan 2025
  • Southern & Eastern Europe: Trust and Acceptance of AI by Country, in % of Resp., Nov 2024 - Jan 2025
  • Northern & Western Europe: Views of AI Benefits Over Risks, in % of Rsp. by Country, Nov 2024 - Jan 2025
  • Southern & Eastern Europe: Views of AI Benefits Over Risks, in % of Rsp. by Country, Nov 2024 - Jan 2025
  • Northern & Western Europe: Regular Use & Trust of AI at Work by Country, in % of Resp., Nov 2024 - Jan 2025
  • Southern & Eastern Europe: Regular Use & Trust of AI at Work by Country, in % of Resp., Nov 2024 - Jan 2025
  • Nordics: Regulatory Burdens, Leadership Gaps, and Limited AI Agent Adoption in GenAI, July 2025
  • UK & Nordics: Perception & Adoption of GenAI Among Business Leaders, in % of Respondents, Sept. 2024
  • Germany & Nordics: Concerns and Experimentation Levels in GenAI Adoption, in % of Resp., Sept. 2024
  • Netherlands & Nordics: Perceived Barriers and Trust Levels in GenAI Adoption, in % of Resp., Sept. 2024
  • North. & West. Europe: Share Citing a Need for AI Regulation by Country, in % of Resp. Nov 2024 - Jan 2025
  • South & East. Europe: Share Citing a Need for AI Regulation by Country, in % of Resp. 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
  • 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
  • Europe: Advancing AI Governance Through Funding, Regulation, and Innovation, July 2025
  • Europe: Cloud Dependency, Modular AI Architecture, and Strategic Investment Priorities, July 2025
  • Europe: AI Act, Regulatory Sandboxes, Testing Environments, and Data Space Strategy, July 2025
• 5.3. Country-Level AI Adoption, Barriers, and Strategies
  • UK: Deepfake Scams, Fintech Vulnerabilities, and Enforcement Gaps in AI-Driven Fraud, July 2025
  • UK: Executive Impersonation and Cross-Border Risks in AI-Driven Corporate Fraud, July 2025
  • Germany: Top-Reported Benefits of GenAI Adoption, in % of Respondents, March 2025
  • Germany: Top-Reported Barriers of GenAI Adoption, in % of Respondents, March 2025
  • Germany: GenAI Strategy Implementation Status Among Enterprises, in % of Respondents, 2024 & 2025
  • Germany: Top Barriers to Trusted AI Implementation Among Enterprises, in % of Respondents, March 2025
  • Germany: eCrime Threat Vectors in Digital Systems, in % of Respondents, May 2024
  • France: GenAI Confidence, Regulatory Clarity, Talent Gaps, and Infrastructure Limitations, July 2025
  • France: Top GenAI Adoption Inhibitors vs. Global Baseline, in % Point Difference, January 2025
  • Spain: Structural Barriers to AI Adoption, SME Limitations, and Fragmented Digital Strategy, July 2025
  • Spain: Company Focus on Tech Investment and Strategic Digital Transformation, in % of Res., July 2025
  • Poland: Institutional Gaps, SME Resistance, and AI Barriers in Competitiveness Context, July 2025
  • Poland: AI Investment Perception by Company Size, in % of Respondents, June 2025

6. Europe: B2B E-Commerce & Digital Trade

• 6.1. Europe-Wide B2B E-Commerce & Marketplaces Landscape
  • Europe: B2B E-Commerce Marketplace Trends, October 2024
  • Europe: Overview of B2B E-Commerce Marketplaces, October 2024
  • Europe: Number of Annually Founded B2B Marketplaces, in Whole Numbers, & in % of Year-on-Year Change, 2013-2023
  • Europe: Number of B2B Marketplaces, by Funding Amount, in USD million, 2023e
  • Europe: Number of B2B Marketplaces, by Industry, in Whole Numbers, 2023e (1 of 2)
  • Europe: Number of B2B Marketplaces, by Industry, in Whole Numbers, 2023e (2 of 2)
  • Europe: Breakdown of Funded B2B Marketplaces, by Country of HQ Origin, 2023e
  • Europe: Share of "Freight And Logistics" Making Up the Total B2B Marketplaces, in %, 2023e
  • Europe: Share of "Food And Beverages" Making Up the Total Goods B2B Marketplaces, in %, 2023e
• 6.1. Europe-Wide B2B E-Commerce & Marketplaces Landscape (Continued)
  • Europe: Share of B2B Buyers That Use B2B E-Commerce Marketplaces, in %, 2024e
  • Europe: Share of E-Commerce Websites That Provide B2B Services, incl. B2B Marketplaces, in %, 2024e
  • Europe: Share of E-Commerce Websites That Provide B2B Services, incl. B2B Marketplaces, That Ship Internationally in %, 2024e
  • Europe: Share of B2B Companies That Are Actively Developing Their B2B Marketplace Strategy*, in %, 2024e
  • Europe: Share of Existing Enterprise Marketplaces That Will Be Engaged in B2B Transactions By the End of 2024, in %, 2024e
  • Europe: Share of B2B Buyers That Conduct Over One Quarter of Their Purchases on Online Marketplaces, in %, 2023
  • Europe: Share of B2B Buyers That Prefer Marketplaces Over Traditional Purchasing Arrangements, in %, 2023
  • Europe: B2B Marketplaces That Prioritize User Experience (UX) And User Interface (UI) Projects to Retain Sellers vs. Buyers, in % of B2B Marketplaces, 2024e
  • Europe: Share of B2B Marketplaces That Use Value Added Services to Keep Sellers on the Marketplace, in %, 2023
  • Europe: Share of B2B Marketplaces That Said That The Biggest Threat Faced By Their Platform Today Is Competition From Traditional Offline Suppliers, in %, 2023
  • Europe: Troubles Faced by B2B E-Commerce Buyers on B2B Marketplaces, in % of B2B Buyers, 2024e
  • Europe: Overview of Selected Top B2B Marketplaces, 2023e (1 of 2)
  • Europe: Overview of Selected Top B2B Marketplaces, 2023e (2 of 2)
• 6.2. B2B E-Commerce Performance, Buyer Behavior & Challenges
  • Europe: B2B E-Commerce GMV Compound Annual Growth Rate, in % of CAGR, 2018-2022 & 2022-2026f
  • Europe: B2B E-Commerce Sales Value, in USD trillion, 2022e & 2026f

Europe: Share of B2B Companies That Are Now Active in B2B E-Commerce And Consider Their Entry Into This Area of Business to Be a Success, in %, 2022e

• Europe: Share of B2B Companies That Obtain More Than 80% of Their Revenue From E-Commerce, in %, 2022e
• Europe: Share of B2B Companies That Believe That E-Commerce Is An Opportunity For More Exports, in %, 2022e
• Europe: Share of B2B Companies That See Positive Effects of Launching Online Sales, in %, 2022e
• Europe: Breakdown of B2B Purchases Made Online, by Share, in % of Business Buyers, 2024e
• Europe: Share of Business Buyers Who Face Challenges With Online, in %, 2024e
• Europe: Share of Business Buyers Who Prefer E-Commerce For Fulfilment, in %, 2024e
• Europe: Share of Business Buyers Who Will Abandon a Cart Without Payment Terms, in %, 2024e
• Europe: Share of Business Buyers Who Say That Payment Terms Are Crucial For Success, in %, 2024e
• Europe: Share of Business Buyers Who Say That Payment Challenges at Checkout Are Causing Issues, in %, 2024e
• Europe: Share of Business Buyers Who Say Having Access to Payment Terms Is Either Important Or Very Important When Choosing a New B2B Supplier, in %, 2024e
• Europe: Areas of Improvement in B2B E-Commerce, in % of Business Buyers, 2024e
• 6.3. Regional & Country-Level B2B Marketplaces and Payment Practices
  • Western Europe: Breakdown of the Total Value of B2B Invoices Paid On Time, Overdue And Bad Debt, in %, Q2 2023 & Q2 2024
  • Western Europe: Breakdown of Changes in B2B Customers' Payment Duration Over the Past 12 Months Noted By Companies, in %, Q2 2024
  • Western Europe: Consequences of Late Payments From B2B Customers, in % of Companies, Q2 2024
  • Western Europe: Main Sources of Financing Used During the Past 12 Months, in % of Companies, Q2 2024
  • Western Europe: Breakdown of Companies That See an Increased Insolvency Risk For Their Customers in the Next 12 Months, in %, Q2 2024
  • Western Europe: Breakdown of Companies' Expectations Towards the Change in Payment Practices of Their B2B Customers, in %, Q2 2024
  • Western Europe: Breakdown of Companies' Expectations Towards the Change in Their Average DSO in the Next 12 Months, in %, Q2 2024
  • Central & Eastern Europe: Breakdown of the Total Value of B2B Invoices Paid On Time, Overdue And Bad Debt, in %, Q2 2024
  • Central & Eastern Europe: Breakdown of Changes in B2B Cust.' Payment Duration Over the Past 12 Months Noted By Comp., in %, Q2 2024
  • Central & Eastern Europe: Consequences of Late Payments From B2B Customers, in % of Companies, Q2 2024
  • Central & Eastern Europe: Main Sources of Financing Used During the Past 12 Months, in % of Companies, Q2 2024
  • Central & Eastern Europe: Breakdown of Comp. That See an Inc. Insolvency Risk For Their Customers in the Next 12 Months, in %, Q2 2024
  • Central & Eastern Europe: Breakdown of Comp.' Expec. Towards the Change in Payment Practices of Their B2B Customers, in %, Q2 2024
  • Central & Eastern Europe: Breakdown of Comp.' Expec. Towards the Change in Their Average DSO in the Next 12 Months, in %, Q2 2024
  • Scandinavia: Share of B2B Companies That Expect Sales to Happen Online, in %, 2024e
  • Scandinavia: Share of B2B Companies That Generate Sales Through E-Commerce Platforms, in %, 2024e
  • UK: Overview of Selected Top B2B Marketplaces, 2023e (1 of 2)
  • UK: Overview of Selected Top B2B Marketplaces, 2023e (2 of 2)
  • Germany: Overview of Selected Top B2B Marketplaces, 2023e
  • France: Overview of Selected Top B2B Marketplaces, 2024e (1 of 2)
  • France: Overview of Selected Top B2B Marketplaces, 2024e (2 of 2)
  • Netherlands: Overview of Selected Top B2B Marketplaces, 2024e (1 of 2)
  • Netherlands: Overview of Selected Top B2B Marketplaces, 2024e (2 of 2)