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市场调查报告书
商品编码
1881293

亚太地区数位支付与电子商务市场的人工智慧应用（2025）：应用、竞争格局与治理

AI in Asia-Pacific's Digital Payments and E-Commerce 2025: Adoption, Competitiveness, and Governance
出版日期: | 出版商: yStats.com | 英文 254 Pages | 商品交期: 最快1-2个工作天内

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简介目录

亚太地区的数位支付和电子商务市场正加速采用人工智慧技术。然而，治理水准和准备程度的差异将决定2025年的市场竞争格局。

在中国和印度、东南亚等快速成长的市场引领下，人工智慧的应用正在推动数位支付和电子商务的发展。

在中国和印度、东南亚等快速成长的新兴市场的引领下，人工智慧正在改变整个亚太地区的支付和电子商务格局。到2025年，消费者将在产品发现、客户支援和数位交易中更多地使用人工智慧，从而提昇平台效率。截至2024年7月，中国超过80%的决策者表示正在使用生成式人工智慧。

新兴市场加速发展的同时，已开发国家则以更为稳健的步伐前进。

亚太地区的数位化快速成长伴随着各国人工智慧成熟度的差异。由于监管、劳动力和企业采用等因素，日本、韩国和澳洲的进展较为谨慎。到2025年1月，日本约有一半的人经常使用人工智慧，而印度的比例超过90%。

日益激烈的竞争压力与技能、数据和基础设施的障碍并存。

支付、零售和金融服务业的公司越来越依赖人工智慧来提升竞争力和效率。然而，人才短缺、资料治理挑战和基础设施限制依然存在，尤其是在准备不足的市场。预计到 2027 年，东南亚企业将透过人工智慧和生成式人工智慧实现 7-9% 的总体成本节约。

本报告分析了亚太地区数位支付和电子商务市场的人工智慧应用趋势，涵盖人工智慧应用趋势和模式、功能性用例、风险管理、信任和安全措施、竞争格局、法律法规环境以及创新推动因素。

目录

第一章：要点总结

第二章：管理概要

第三章：人工智慧应用现况及区域格局

  • 亚太地区：应用基准
    • 依地区划分
    • 亚洲：各国人工智慧系统应用情况
    • 东南亚：东南亚电子商务企业人工智慧应用程度构成
    • 东南亚：东南亚电子商务企业自报人工智慧应用率与实际应用率对比
    • 国家聚焦
    • 中国：人工智慧应用率
    • 中国：生成式人工智慧应用
    • 中国：生成式人工智慧的组织应用
    • 日本：人工智慧应用率
    • 日本：人工智慧市场价值成长预测
    • 日本：生成式人工智慧市场需求预测
    • 韩国：人工智慧采用率
    • 印度：人工智慧采用率
    • 印尼：电子商务企业依工具划分的人工智慧采用情况
    • 澳洲：人工智慧采用率
    • 泰国：电子商务企业依工具划分的人工智慧采用情况
    • 马来西亚：电子商务企业依工具划分的人工智慧采用情况
    • 菲律宾：电子商务企业依工具划分的人工智慧采用情况
    • 越南：电子商务企业依工具划分的人工智慧采用情况
    • 新加坡：电子商务企业依工具划分的人工智慧采用情况
    • 纽西兰：人工智慧采用率
  • 卖家区隔及障碍
    • 依地区划分
    • 亚洲：人工智慧效益与风险的认知
    • 东南亚：卖家对人工智慧效益的认知
    • 东南亚亚洲：网路零售商采用人工智慧的障碍
    • 东南亚：各国精通人工智慧的商家比例
    • 东南亚：各国对人工智慧漠不关心的商家比例
    • 东南亚：各国愿意采用人工智慧的商家比例
    • 东南亚：改善对人工智慧漠不关心的商家体验的优先领域
    • 东南亚：改善愿意采用人工智慧的商家体验的优先领域
    • 东南亚：改善精通人工智慧的商家体验的优先领域
    • 各国热点
    • 中国：人工智慧应用的主要障碍与风险
    • 日本：人工智慧应用的主要障碍与风险
    • 日本：人工智慧在财务报告中的有限和广泛应用
    • 韩国：人工智慧应用的主要障碍与风险人工智慧
    • 印度：人工智慧应用的主要障碍与风险
    • 澳洲：人工智慧应用的主要障碍与风险
    • 台湾：人工智慧应用的主要障碍与风险
    • 纽西兰：人工智慧应用的主要障碍与风险

第四章 功能性用例与经济影响

  • 电子商务卖家经营
    • 依地区划分
    • 东南亚：依功能和准备程度划分的人工智慧应用
    • 东南亚：依市场划分的人工智慧工具使用情况、功能采用水准和营运商准备情况
    • 东南亚：使用特定人工智慧工具的电子商务卖家百分比
    • 亚太地区：线下、线上和人工智慧通路在产品发现的应用
    • 亚太地区：线下、线上和人工智慧通路在产品发现的应用
    • 东南亚亚洲：推动电子商务和数位支付领域人工智慧应用的关键因素
    • 东南亚：人工智慧/生成式人工智慧带来的平均成本节约
    • 东南亚：人工智慧/生成式人工智慧带来的平均收入成长

国家聚焦

    • 中国：人工智慧在电子商务、支付和B2B平台的应用
    • 中国：人工智慧代理在商业、消费者行为改变和 "人工智慧+" 政策支援中的应用
    • 中国：人工智慧在搜寻、社群媒体和虚拟互动平台中的应用
    • 中国：生成式人工智慧的应用、零售效率与策略平台投资
    • 中国：早期使用者对生成式人工智慧购物工具的实际应用
    • 日本：利用人工智慧工具实现个人化购物、视觉搜寻和库存优化
    • 日本：利用人工智慧推荐引擎、聊天机器人和预测行销电子商务
  • 支付与金融科技应用案例
    • 区域
    • 亚洲：人工智慧在普惠信贷、金融自动化和采购创新的应用
    • 亚洲：人工智慧在云端银行、投资分析和产业特定B2B金融解决方案中的应用
    • 亚太地区：人工智慧整合、稳定币卡、代币化汇款和微型商家支持
    • 国家聚焦
    • 中国与香港：中国人民银行金融策略中的人工智慧、金融科技週亮点、连连人工智慧解决方案
    • 中国和香港：执行长报告称，采用人工智慧提高了效率
    • 中国和香港：执行长报告称，采用人工智慧提高了获利能力
    • 中国：执行长报告称，采用生成式人工智慧促进了就业成长
    • 中国：人工智慧整合与治理嵌入金融、支付与商业平台
    • 中国：人工智慧在搜寻领域的应用引擎、企业平台和数位支付生态系统
    • 中国：对话式人工智慧支付、商家整合与支付宝数位服务拓展
    • 中国：人工智慧智慧眼镜支付、语音认证技术与全球电子钱包拓展
    • 日本：人工智慧在诈欺侦测、个人化银行服务和自动化支付作业的应用
    • 日本：人工智慧在二维码诈欺预防、客户体验和金融生态系统创新的应用
    • 香港及全球：CEO报告称，采用人工智慧提高了效率
    • 香港及全球：CEO报告称，采用人工智慧提高了获利能力

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：合成技术国家趋势身分诈欺、深度伪造、认证漏洞与金融科技
    • 国家聚焦
    • 中国：人工智慧应用相关风险的主要担忧
    • 中国：深度搜寻模型、生成式人工智慧的兴起、网路威胁与资料隐私风险
    • 中国：萤幕感知人工智慧代理的整合、资料存取权限与隐私治理
    • 中国：人工智慧在老年用户中的应用及其在反诈骗程式中的整合
    • 日本：人工智慧勒索软体、网路钓鱼和金融平台攻击的增加
    • 日本：人工智慧应用相关风险的主要担忧
    • 韩国：人工智慧应用相关风险的主要担忧
    • 印度：人工智慧应用相关风险的主要担忧
    • 澳洲：人工智慧应用相关风险的主要担忧
    • 台湾：人工智慧应用相关风险的主要担忧人工智慧应用风险
    • 纽西兰：人工智慧应用风险的主要担忧
  • 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、网路分析与资料分享计划
    • 亚太地区：人工智慧在诈欺侦测、即时支付安全和生物辨识认证的应用
    • 亚太地区：人工智慧驱动的企业诈欺管理、身分验证和整合挑战
  • 信任与准备状况
    • 区域
    • 亚洲：工作场所中人工智慧的有意使用与信任
    • 亚洲：各国对人工智慧系统的信任与接受度
    • 亚太地区：消费者对人工智慧的信任
    • 国家聚焦
    • 中国和香港：执行长对将人工智慧融入核心业务的信心流程
    • 中国：对人工智慧系统的信任与接受度
    • 中国：人工智慧益处与风险的认知
    • 中国：工作场所中人工智慧的日常使用与信任度
    • 中国：具备合乎伦理和合法使用人工智慧所需技能和能力的员工比例
    • 中国：第三方合作伙伴关係在弥合合乎伦理和合规使用人工智慧技能差距方面的占有率
    • 日本：大众对人工智慧的认知
    • 日本：对人工智慧在日常生活中普及的态度
    • 日本：对人工智慧系统的信任与接受度
    • 日本：人工智慧益处与风险的认知
    • 日本：工作场所中人工智慧的常规使用和信任度
    • 日本：具备合乎伦理和合法使用人工智慧所需技能和能力的员工比例
    • 日本：为员工提供人工智慧技能提升的组织比例基于伦理和合规的人工智慧应用
    • 日本：公众对国家人工智慧监管有效性的信心
    • 韩国：大众对人工智慧的认知
    • 韩国：对人工智慧在日常生活中普及的态度
    • 韩国：对人工智慧系统的信任与接受度
    • 韩国：人工智慧效益与风险的认知
    • 韩国：工作场所中人工智慧的常规使用和信任度
    • 韩国：具备符合伦理和法律使用人工智慧所需技能和能力的员工比例
    • 韩国：聘请外部合作伙伴以弥补人工智慧伦理和合规技能差距的组织比例
    • 韩国：公众对国家人工智慧监管有效性的信心
    • 印度:大众对人工智慧的认知
    • 印度：对人工智慧在日常生活中普及的态度
    • 印度：对人工智慧系统的信任与接受度
    • 印度：人工智慧益处与风险的认知
    • 印度：工作场所中人工智慧的常规使用和信任度
    • 印度：企业生成式人工智慧策略发展水平
    • 印度：企业生成式人工智慧平台整合与架构成熟度阶段分布
    • 印度：企业生成式人工智慧资料平台成熟度
    • 印度：员工部署生成式人工智慧的准备程度
    • 印度：企业关于生成式人工智慧实施模型的决策成熟度
    • 印度：具备合乎伦理和法律地使用人工智慧所需技能和能力的员工比例
    • 印度：因人工智慧伦理和合规性问题而依赖外部资源的组织比例技能差距
    • 印度：公众对国家人工智慧监管有效性的信心
    • 澳洲：大众对人工智慧的认知
    • 澳洲：日常生活中对工作场所人工智慧兴起的态度
    • 澳洲：对人工智慧系统的信任与接受度
    • 澳洲：对人工智慧的益处和风险的认知
    • 澳洲：工作场所中人工智慧的常规使用和信任度
    • 澳洲：具备合乎道德和合法使用人工智慧所需技能和能力的员工比例
    • 澳洲：为员工提供合乎道德和合规的人工智慧使用技能培训的组织比例
    • 澳洲：公众对国家人工智慧监管有效性的信心
    • 台湾：具备合乎道德和合法使用人工智慧所需技能和能力的员工比例
    • 台湾：因人工智慧伦理问题而选择外包的组织比例合规技能差距
    • 香港及全球：CEO 对将人工智慧融入核心业务流程的信心
    • 纽西兰：对人工智慧系统的信任与接受度
    • 纽西兰：对人工智慧的益处和风险的看法
    • 纽西兰：工作场所中人工智慧的常规使用和信任度
    • 纽西兰：具备符合伦理和法律使用人工智慧所需技能和能力的员工比例
    • 纽西兰：第三方合作关係弥补人工智慧技能差距，实现符合伦理和合规使用的比例
  • 监理与合规
    • 区域
    • 亚洲：人工智慧网路防御、身分风险管理和合规自动化
    • 亚太地区：金融犯罪监管、合成身分洗钱和人工智慧合规策略
    • 国家聚焦
    • 中国：人工智慧监管的必要性
    • 中国：现有法规和法律对安全使用人工智慧的充分性人工智慧
    • 中国：国家人工智慧路线图、产业标准体系与多层治理结构
    • 中国：全国打击深度伪造、人工智慧诈欺和未註册平台
    • 中国：有效人工智慧治理的主要预期效益
    • 日本：人工智慧监管的必要性
    • 日本：人工智慧监管与安全使用法律的充分性
    • 日本：有效人工智慧治理的主要预期效益
    • 韩国：人工智慧监管的必要性
    • 韩国：人工智慧监管和安全使用法律的充分性
    • 韩国：有效人工智慧治理的主要预期效益
    • 印度：人工智慧监管的必要性
    • 印度：人工智慧监管与安全使用法律的充分性
    • 印度：有效人工智慧治理的主要预期效益
    • 澳洲：人工智慧监管的必要性
    • 澳洲：人工智慧监管与安全使用法律的充分性人工智慧监管与安全使用法律
    • 澳洲：有效人工智慧治理的主要预期效益
    • 台湾：有效人工智慧治理的主要预期效益
    • 纽西兰：人工智慧监管的必要性
    • 纽西兰：人工智慧监管和安全使用法律的充分性
    • 纽西兰：有效人工智慧治理的主要预期效益

第六章 竞争格局与人工智慧策略发展

  • 市场规模与活跃度
    • 区域
    • 亚洲：人工智慧驱动型金融科技公司的融资状况
    • 亚洲：人工智慧驱动型金融科技公司数量及占金融科技公司总数的百分比
    • 亚洲：人工智慧金融科技公司主要聚集的国家/地区
    • 国家聚焦
    • 中国和香港：执行长关于人工智慧应用带来的员工队伍变化的报告
    • 中国和香港：执行长的预期未来三年人工智慧融入劳动力和技能的趋势
    • 日本：基于2025年人工智慧促进法案的人工智慧市场价值、产业应用及治理结构
    • 香港及全球：执行长报告人工智慧应用带来的劳动力变化
    • 香港及全球：执行长预期人工智慧将在未来三年融入劳动力和技能
  • 主要公司的策略举措

第七章 人工智慧治理、监管及创新推动因素

  • 公私部门人工智慧举措
    • 区域
    • 亚洲：金融领域人工智慧治理、基础设施及实验的公共及私部门推动因素
    • 亚洲：四个经济体的人工智慧沙盒及能力建构方案
    • 亚洲：四个金融中心的人工智慧监理沙盒及创新中心市场
    • 国家聚焦
    • 中国：人工智慧基础设施、资料中心和数位人民币系统的扩张
    • 中国：运算能力的扩张、资料成长、产业特定人工智慧模型与再生能源
    • 中国：人工智慧在製造业、零售业和能源领域的应用，重点在于生产力和绿色创新
    • 中国：政府创投基金、资助计画与大学合作人工智慧创新网络
    • 中国：人工智慧+策略、教育与数据计画、政策重点
    • 中国：人工智慧模型的快速扩张、基础建设投资的增加、劳动市场失衡
    • 日本：政府国内人工智慧发展、基础建设和经济影响计划
    • 日本：人工智慧基础设施、技能培训、研究合作、网路安全合作
    • 韩国：私人人工智慧投资、政府激励措施、公私合作融资模式
    • 韩国：人工智慧基础设施融资、数据存取、丛集发展
    • 韩国：GPU扩展、国家人工智慧运算中心建置、国内人工智慧晶片支援
  • 人工智慧创新框架
    • 区域
    • 亚洲：人工智慧创新催化剂、普惠金融、监管洞察、风险管理
    • 亚洲：人工智慧创新、市场适应性监管框架，用于整合、协调和专业知识
    • 亚洲：金融市场人工智慧创新刺激因素的设计、资源与监管障碍
    • 亚洲：跨产业人工智慧实验平台与治理的发展
    • 亚太地区：人工智慧策略、预测能力与金融犯罪预防中的治理重点
    • 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
    • 国家聚焦
    • 中国：人工智慧研究成果、专利领导与数据驱动的创新拓展
    • 中国：生成式人工智慧的应用、专利领先地位及自动化监控的使用
    • 中国：整合运算系统、资料治理架构及产业人工智慧战略
    • 中国：资料产生、可存取性及公私部门人工智慧合作
    • 中国：人工智慧人才培育、留任及组织发展
    • 中国：生成式人工智慧的领先地位、不断提升的基准及开源模型的成长
    • 中国：人工智慧资料系统片段化、人才短缺及产业整合不平衡
    • 中国：人工智慧发展、数位货币基础设施及贸易体系整合
    • 日本：人工智慧促进法、策略中心及负责任创新治理框架
    • 日本：人工智慧在数位商务中的责任、伦理准则及基于信任的合规性
    • 韩国：国家人工智慧总体规划、总统监督、保全厅及预算协调小组委员会
    • 韩国：人工智慧强制揭露、计算监管和表达要求
    • 韩国：人工智慧文件强制要求、计算监管和揭露规则
简介目录
Product Code: 1707

Asia-Pacific's Digital Payments and E-Commerce Markets Advance as AI Adoption Accelerates, While Governance and Readiness Gaps Shape Competitive Outcomes in 2025

AI adoption lifts digital payments and E-Commerce, driven by China and high-growth markets

AI is reshaping payments and E-Commerce across Asia-Pacific, led by China and fast-expanding emerging markets such as India and Southeast Asia. By 2025, consumers increasingly use AI for product discovery, customer support, and digital transactions, supporting platform efficiency. In China, over 80% of decision-makers reported using Generative AI by July 2024.

Emerging markets accelerate, while advanced economies move at a steadier pace

Asia-Pacific's rapid digital growth contrasts with uneven AI maturity across countries. Japan, South Korea, and Australia advance more cautiously due to regulatory, workforce, and corporate adoption factors. By January 2025, around half of individuals in Japan used AI regularly, compared with over 90% in India.

Rising competitiveness coincides with skills, data, and infrastructure barriers

Companies across payments, retail, and financial services increasingly rely on AI to strengthen competitiveness and efficiency. However, talent gaps, data governance challenges, and infrastructure constraints persist, especially in less-ready markets. By 2027, firms in Southeast Asia expect AI and GenAI to lower total costs by 7-9%.

Table of Contents

1. Key Takeaways

2. Management Summary

3. AI Adoption Landscape & Regional Patterns

  • 3.1. APAC: Adoption Benchmarks
    • 3.1.1. Regional
    • 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
    • 3.1.2. Country Spotlights
    • China: Adoption of AI, in % of Respondents, Nov 2024 - Jan 2025
    • China: Generative AI Adoption, in % of Respondents, July 2024
    • China: Generative AI Implementation in Organizations, in % of Respondents, July 2024
    • Japan: Adoption of AI, in % of Respondents, Nov 2024 - Jan 2025
    • Japan: AI Market Value Growth, in USD billions, 2024 & 2033f
    • Japan: Generative AI Market Demand, in USD billions, 2023 & 2025 & 2030f
    • South Korea: Adoption of AI, in % of Respondents, Nov 2024 - Jan 2025
    • India: Adoption of AI, in % of Respondents, Nov 2024 - Jan 2025
    • Indonesia: AI Adoption by Tool Type Among E-Commerce Sellers, in % of Resp. Using Each Tool, Feb. 2025
    • Australia: Adoption of AI, in % of Respondents, Nov 2024 - Jan 2025
    • Thailand: 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
    • 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
    • Singapore: AI Adoption by Tool Type Among E-Commerce Sellers, in % of Resp. Using Each Tool, Feb. 2025
    • New Zealand: Adoption of AI, in % of Respondents, Nov 2024 - Jan 2025
  • 3.2. Seller Segmentation & Barriers
    • 3.2.1. Regional
    • 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
    • 3.2.2. Country Spotlights
    • China: Top Barriers About Risks Associated with AI Use and Implementation, in % of Respondents, Sep - Oct 2024
    • Japan: Top Barriers About Risks Associated with AI Use and Implementation, in % of Resp., Sep - Oct 2024
    • Japan: Selective or Wide Use of AI in Financial Reporting, in % of Organizations, Apr 2024 & Sep 2024
    • South Korea: Top Barriers About Risks Associated with AI Use and Implementation, in % of Resp., Sep - Oct 2024
    • India: Top Barriers About Risks Associated with AI Use and Implementation, in % of Resp., Sep - Oct 2024
    • Australia: Top Barriers About Risks Associated with AI Use and Implementation, in % of Resp., Sep - Oct 2024
    • Taiwan: Top Barriers About Risks Associated with AI Use and Implementation, in % of Resp., Sep - Oct 2024
    • New Zealand: Top Barriers About Risks Associated with AI Use and Implementation, in % of Resp., Sep - Oct 2024

4. Functional Use Cases & Economic Impact

  • 4.1. E-Commerce Seller Operations
    • 4.1.1. Regional
    • 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

Country Spotlights

    • China: AI Integration Across E-Commerce, Payments, and B2B Platforms via Leading Tech Ecosys., Nov 2025
    • China: AI Agent Expansion in Commerce, Shifting Consumer Behavior, and "AI Plus" Policy Support, Nov 2025
    • China: AI Integration in Search, Social Networking, and Virtual Interaction Platforms, Oct 2025
    • China: Generative AI Adoption, Retail Efficiency Gains, and Strategic Platform Investment, Nov 2025
    • China: Practical Use of Generative AI Shopping Tools Among Early-Adopting Consumers, Aug 2024
    • Japan: Use of AI Tools for Personalised Shopping, Visual Search, and Inventory Optimisation, Oct 2025
    • Japan: Use of AI Recommendation Engines, Chatbots, and Predictive Marketing in E-Commerce, Oct 2025
  • 4.2. Payments & FinTech Use Cases
    • 4.2.1. Regional
    • 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
    • 4.2.2. Country Spotlights
    • China & Hong Kong: PBoC "AI + Finance" Strategy, FinTech Week Highlights, and LianLian AI Solutions, Nov 2025
    • China & Hong Kong: CEO Reports of Efficiency Gains from AI Adoption, in % of Respondents, 2025
    • China & Hong Kong: CEO Reports of Profitability Improvements from AI Adoption, in % of Respondents, 2025
    • China: CEO Reports of Job Growth Resulting from Generative AI Adoption, in % of Respondents, 2025
    • China: AI Integration Across Finance, Payments, and Commerce Platforms with Built-In Governance, Nov 2025
    • China: AI Deployment in Search Engines, Enterprise Platforms, and Digital Payment Ecosystems, Oct 2025
    • China: Conversational AI Payments, Merchant Integration, Alipay's Digital Service Expansion, Oct 2025
    • China: AI Smart Glasses Payments, Voice Authentication Technology, and Global E-Wallet Expansion, Nov 2025
    • Japan: Application of AI in Fraud Detection, Personalised Banking, and Automated Payment Operations, Oct 2025
    • Japan: AI in QR Fraud Prevention, Customer Experience, and Financial Ecosystem Innovation, Oct 2025
    • Hong Kong & Global: CEO Reports of Efficiency Gains from AI Adoption, in % of Resp., 2025
    • Hong Kong & Global: CEO Reports of Profitability Improvements from AI Adoption, in % of Resp., 2025

5. Risk Management, Trust & Security

  • 5.1. Fraud & Threat Trends

5.1.1. Regional

    • SEA: Year-over-Year Increase in AI-linked Fraud Rate, in %, 2024
    • APAC: Synthetic Identity Fraud, Deepfakes, Verification Gaps and Country Trends in FinTech, 2025
    • 5.1.2. Country Spotlights
    • China: Top Concerns About Risks Associated with AI Use, in % of Respondents, Sep - Oct 2024
    • China: DeepSeek Model, Generative AI Expansion, Cyber Threats, and Data-Privacy Risks, Oct 2025
    • China: Integration of Screen-Aware AI Agents, Data Access Permissions, and Privacy Gover. Gaps, Oct 2025
    • China: AI Adoption Among Elderly Users and Integration in Fraud Prevention Programs, Oct 2025
    • Japan: Rise of AI-Enhanced Ransomware, Phishing, and Financial Platform Attacks, Oct 2025
    • Japan: Top Concerns About Risks Associated with AI Use, in % of Respondents, Sep - Oct 2024
    • South Korea: Top Concerns About Risks Associated with AI Use, in % of Respondents, Sep - Oct 2024
    • India: Top Concerns About Risks Associated with AI Use, in % of Respondents, Sep - Oct 2024
    • Australia: Top Concerns About Risks Associated with AI Use, in % of Respondents, Sep - Oct 2024
    • Taiwan: Top Concerns About Risks Associated with AI Use, in % of Respondents, Sep - Oct 2024
    • New Zealand: Top Concerns About Risks Associated with AI Use, in % of Respondents, Sep - Oct 2024
  • 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
    • 5.3.1. Regional
    • 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
    • 5.3.2. Country Spotlights
    • China & Hong Kong: CEO Trust in Integrating AI into Core Business Processes, in % of Respondents, 2025
    • China: Trust and Acceptance of AI Systems, in % of Respondents, Nov 2024 - Jan 2025
    • China: Views of AI Benefits Over Risks, Nov 2024 - Jan 2025
    • China: Regular Use and Trust of AI at Work, Nov 2024 - Jan 2025
    • China: Share of Employees with Required AI Skills and Capabilities for Ethical and Legal AI Use, in % of Respondents, Sep - Oct 2024
    • China: Share of Third-Party Partnerships on AI Skills Gaps for Ethical and Compliant AI Use, in % of Respondents, Sep - Oct 2024
    • Japan: Public Awareness of Artificial Intelligence, in % of Respondents, Jan 2025 - Apr 2025
    • Japan: Attitudes Toward the Rise of AI in Daily Life, in % of Respondents, Jan 2025 - Apr 2025
    • Japan: Trust and Acceptance of AI Systems, in % of Respondents, Nov 2024 - Jan 2025
    • Japan: Views of AI Benefits Over Risks, in % of Respondents, Nov 2024 - Jan 2025
    • Japan: Regular Use and Trust of AI at Work, in % of Respondents, Nov 2024 - Jan 2025
    • Japan: Share of Employees with Required AI Skills and Capabilities for Ethical and Legal AI Use, in % of Resp., Sep - Oct 2024
    • Japan: Share of Organizations Upskilling Staff for Ethical and Compliant AI Use, in % of Resp., Sep - Oct 2024
    • Japan: Public Trust in National AI Regulation Effectiveness, in % of Respondents, Jan 2025 - Apr 2025
    • South Korea: Public Awareness of Artificial Intelligence, in % of Respondents, Jan 2025 - Apr 2025
    • South Korea: Attitudes Toward the Rise of AI in Daily Life, in % of Respondents, Jan 2025 - Apr 2025
    • South Korea: Trust and Acceptance of AI Systems, in % of Respondents, Nov 2024 - Jan 2025
    • South Korea: Views of AI Benefits Over Risks, in % of Respondents, Nov 2024 - Jan 2025
    • South Korea: Regular Use and Trust of AI at Work, in % of Respondents, Nov 2024 - Jan 2025
    • South Korea: Share of Employees with Required AI Skills and Capabilities for Ethical and Legal AI Use, in % of Resp., Sep - Oct 2024
    • South Korea: Share of Organizations with External Hiring for AI Ethics and Compliance Skill Gaps, in % of Resp., Sep - Oct 2024
    • South Korea: Public Trust in National AI Regulation Effectiveness, in % of Respondents, Jan 2025 - Apr 2025
    • India: Public Awareness of Artificial Intelligence, in % of Respondents, Jan 2025 - Apr 2025
    • India: Attitudes Toward the Rise of AI in Daily Life, in % of Respondents, Jan 2025 - Apr 2025
    • India: Trust and Acceptance of AI Systems, in % of Respondents, Nov 2024 - Jan 2025
    • India: Views of AI Benefits Over Risks, in % of Respondents, Nov 2024 - Jan 2025
    • India: Regular Use and Trust of AI at Work, in % of Respondents, Nov 2024 - Jan 2025
    • India: Levels of GenAI Strategy Development Among Enterprises, in % of Respondents, 2025
    • India: Distribution of Enterprises by Stage of GenAI Platform Integration and Architecture Maturity, in % of Respondents, 2025
    • India: Enterprise Data Platform Maturity for GenAI Enablement, in % of Respondents, 2025
    • India: Enterprise Workforce Readiness for GenAI Deployment, in % of Respondents, 2025
    • India: Enterprise Decision-Making Maturity for GenAI Implementation Models, in % of Respondents, 2025
    • India: Share of Employees with Required AI Skills and Capabilities for Ethical and Legal AI Use, in % of Resp., Sep - Oct 2024
    • India: Share of Organizations with External Hiring for AI Ethics and Compliance Skill Gaps, in % of Resp., Sep - Oct 2024
    • India: Public Trust in National AI Regulation Effectiveness, in % of Respondents, Jan 2025 - Apr 2025
    • Australia: Public Awareness of Artificial Intelligence, in % of Respondents, Jan 2025 - Apr 2025
    • Australia: Attitudes Toward the Rise of AI in Daily Life, in % of Respondents, Jan 2025 - Apr 2025
    • Australia: Trust and Acceptance of AI Systems, in % of Respondents, Nov 2024 - Jan 2025
    • Australia: Views of AI Benefits Over Risks, in % of Respondents, Nov 2024 - Jan 2025
    • Australia: Regular Use and Trust of AI at Work, in % of Respondents, Nov 2024 - Jan 2025
    • Australia: Share of Employees with Required AI Skills and Capabilities for Ethical and Legal AI Use, in % of Resp., Sep - Oct 2024
    • Australia: Share of Organizations Upskilling Staff for Ethical and Compliant AI Use, in % of Resp., Sep - Oct 2024
    • Australia: Public Trust in National AI Regulation Effectiveness, in % of Respondents, Jan 2025 - Apr 2025
    • Taiwan: Share of Employees with Required AI Skills and Capabilities for Ethical and Legal AI Use, in % of Resp., Sep - Oct 2024
    • Taiwan: Share of Organizations with External Hiring for AI Ethics and Compliance Skill Gaps, in % of Resp., Sep - Oct 2024
    • Hong Kong & Global: CEO Trust in Integrating AI into Core Business Processes, in % of Resp., 2025
    • New Zealand: Trust and Acceptance of AI Systems, in % of Respondents, Nov 2024 - Jan 2025
    • New Zealand: Views of AI Benefits Over Risks, in % of Respondents, Nov 2024 - Jan 2025
    • New Zealand: Regular Use and Trust of AI at Work, in % of Respondents, Nov 2024 - Jan 2025
    • New Zealand: Share of Employees with Required AI Skills and Capabilities for Ethical and Legal AI Use, in % of Resp., Sep - Oct 2024
    • New Zealand: Share of Third-Party Partnerships on AI Skills Gaps for Ethical and Compliant AI Use, in % of Resp., Sep - Oct 2024
  • 5.4. Regulation & Compliance
    • 5.4.1. Regional
    • 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
    • 5.4.2. Country Spotlights
    • China: Views on the Need for AI Regulation, in % of Respondents, Nov 2024 - Jan 2025
    • China: Adequacy of AI Regulation and Laws for Safe Use, in % of Respondents, Nov 2024 - Jan 2025
    • China: National AI Roadmap, Industry Standards System, and Multi-Level Governance Structure, Nov 2025
    • China: National Crackdown on Deepfakes, AI Fraud, and Unregistered Platforms, Oct 2025
    • China: Top Expected Benefits of Effective AI Governance, in % of Respondents, Sep - Oct 2024
    • Japan: Views on the Need for AI Regulation, in % of Respondents, Nov 2024 - Jan 2025
    • Japan: Adequacy of AI Regulation and Laws for Safe Use, in % of Respondents, Nov 2024 - Jan 2025
    • Japan: Top Expected Benefits of Effective AI Governance, in % of Respondents, Sep - Oct 2024
    • South Korea: Views on the Need for AI Regulation, in % of Respondents, Nov 2024 - Jan 2025
    • South Korea: Adequacy of AI Regulation and Laws for Safe Use, in % of Respondents, Nov 2024 - Jan 2025
    • South Korea: Top Expected Benefits of Effective AI Governance, in % of Respondents, Sep - Oct 2024
    • India: Views on the Need for AI Regulation, in % of Respondents, Nov 2024 - Jan 2025
    • India: Adequacy of AI Regulation and Laws for Safe Use, in % of Respondents, Nov 2024 - Jan 2025
    • India: Top Expected Benefits of Effective AI Governance, in % of Respondents, Sep - Oct 2024
    • Australia: Views on the Need for AI Regulation, in % of Respondents, Nov 2024 - Jan 2025
    • Australia: Adequacy of AI Regulation and Laws for Safe Use, in % of Respondents, Nov 2024 - Jan 2025
    • Australia: Top Expected Benefits of Effective AI Governance, in % of Respondents, Sep - Oct 2024
    • Taiwan: Top Expected Benefits of Effective AI Governance, in % of Respondents, Sep - Oct 2024
    • New Zealand: Views on the Need for AI Regulation, in % of Respondents, Nov 2024 - Jan 2025
    • New Zealand: Adequacy of AI Regulation and Laws for Safe Use, in % of Respondents, Nov 2024 - Jan 2025
    • New Zealand: Top Expected Benefits of Effective AI Governance, in % of Respondents, Sep - Oct 2024

6. Competitive Landscape & Strategic AI Movement

  • 6.1. Market Scale & Activity
    • 6.1.1. Regional
    • 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
    • 6.1.2. Country Spotlights
    • China & Hong Kong: CEO Reports of Workforce Changes from AI Adoption, in % of Respondents, 2025
    • China & Hong Kong: CEO Expectations for AI Integration in Workforce and Skills in Next 3 Years, in % of Respondents, 2025
    • Japan: AI Market Value, Sectoral Adoption, and Governance Framework under the 2025 AI Promotion Act, Oct 2025
    • Hong Kong & Global: CEO Reports of Workforce Changes from AI Adoption, in % of Resp., 2025
    • Hong Kong & Global: CEO Expect. for AI Integration in Workforce and Skills in Next 3 Years, in % of Resp., 2025
  • 6.2. Strategic Moves by Key Players
    • 6.2.1. Regional
    • 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
    • 6.2.2. Country Spotlights
    • China: Alibaba's AI Investment Strategy, Cloud Expansion, and Platform Integration, Nov 2025
    • China: Alibaba's AI Infrastructure Expansion, Nvidia Partnership, and Launch of Qwen3-Max and Qwen3-Omni, Nov 2025
    • China: Alibaba's Global AI and Cloud Investments, Global Data Centers, and Industry Partnerships, Oct 2025
    • China: Alibaba's AI-Driven Market Revival, Strategic Partnerships, and Investor Revaluation, Oct 2025
    • China: Taobao and Tmall's Revenue Growth, AI-Powered User Expansion, and 88VIP Membership Retention, Nov 2025
    • China: Expansion of Generative AI Advertising Across E-Commerce and Social Media Platforms, Nov 2025
    • China: Alipay Tap!'s User Growth, SME Investment, and AI-Powered Healthcare Integration, Nov 2025
    • China: Long-Context Chatbot Development, Model Scaling, and Generative AI Competition, Oct 2025
    • China: Ling-1T Model Performance, AI Ecosystem Development, and Strategic Fintech Integration, Oct 2025
    • China: Zhipu AI's GLM Architecture, Product Ecosystem, and Cross-Border Funding, Oct 2025

7. AI Governance, Regulation & Innovation Enablers

  • 7.1. Public & Private Sector AI Initiatives
    • 7.1.1. Regional
    • 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)
    • 7.1.2. Country Spotlights
    • China: Expansion of AI Infrastructure, Data Centers, and Digital Yuan Systems, Nov 2025
    • China: Computing Capacity, Data Growth, Sectoral AI Models, and Renewable Energy Expansion, Nov 2025
    • China: AI in Manufacturing, Retail, and Energy Focused on Productivity and Green Innovation, Nov 2025
    • China: Government Venture Funds, Subsidy Programs, and Uni.-Linked AI Innovation Networks, Oct 2025
    • China: AI+ Strategy, Education and Data Initiatives, and Policy Priorities, Oct 2025
    • China: Rapid AI Model Expansion, Rising Infrastructure Investment, and Labor Market Imbalance, Nov 2025
    • Japan: Government Planning for Domestic AI Development, Infrastructure, and Economic Impact, Oct 2025
    • Japan: AI Infrastructure, Skills Training, Research Collaboration, and Cybersecurity Cooperation, Oct 2025
    • South Korea: Private AI Investment, Government Incentives, and Public-Private Funding Model, Oct 2025
    • South Korea: AI Infrastructure Funding, Data Access, and Cluster Development, Oct 2025
    • South Korea: GPU Expansion, National AI Computing Center Development, Domestic AI Chip Support, Oct 2025
  • 7.2. AI Innovation Frameworks
    • 7.2.1. Regional
    • 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
    • 7.2.2. Country Spotlights
    • China: AI Research Output, Patent Leadership, and Data-Driven Innovation Expansion, Oct 2025
    • China: Generative AI Adoption, Patent Leadership, and Automated Monitoring Use, Oct 2025
    • China: Unified Computing System, Data Governance Frameworks, and Industrial AI Strategy, Oct 2025
    • China: Data Generation, Accessibility, and Public-Private AI Collaboration, Oct 2025
    • China: AI Talent Production, Retention, and Institutional Development, Oct 2025
    • China: Generative-AI Leaders, Benchmark Gains, and Open-Source Model Growth, Oct 2025
    • China: Fragmented AI Data Systems, Limited High-End Talent, and Uneven Industrial Integration, Nov 2025
    • China: Integration of AI Development, Digital Currency Infrastructure, and Trade Systems, Oct 2025
    • Japan: AI Promotion Act, Strategy Center, and Governance Framework for Responsible Innovation, Oct 2025
    • Japan: AI Responsibilities, Ethical Guidelines, and Trust-Based Compliance in Digital Commerce, Oct 2025
    • South Korea: National AI Master Plan, Presidential Oversight, Safety Institutions, and Budget-Aligned Subcommittees, Oct 2025
    • South Korea: Mandatory AI Disclosure, Compute-Based Oversight, and Representation Requirements, Oct 2025
    • South Korea: AI Documentation Duties, Compute-Based Oversight, and Disclosure Rules, Oct 2025