디지털 커머스 인프라(2026년)

Global Digital Commerce Infrastructure Continues Evolving Through Interoperable Payments, Digital Identity, Artificial Intelligence, and Intelligent Commerce in 2026

Key Highlights

• Globally, non-cash transaction volume is forecast to reach nearly 2 trillion transactions by 2028, highlighting the continued expansion of digital payment infrastructure.
• Globally, 75% of surveyed consumers had enabled passkeys on at least some digital accounts by 2026, reflecting continued growth in passwordless authentication.
• Globally, cross-border B2B stablecoin payment value is forecast to increase from over USD 13 billion in 2026 to USD 5.0 trillion by 2035.

Interoperable Payment Infrastructure Continues Expanding

Payment infrastructure continues advancing through real-time payments, account-to-account transfers, digital wallets, APIs, and interoperable payment rails. At the same time, cross-border connectivity, ISO 20022 adoption, and payment orchestration continue improving transaction efficiency and supporting more connected global payment ecosystems.

Digital Identity, Digital Money, and Intelligent Infrastructure Become Foundational

Digital identity, authentication, and programmable settlement continue strengthening trusted digital commerce. Governments, financial institutions, and technology providers are expanding interoperable identity frameworks, digital credentials, and tokenized payment infrastructure to improve authentication, compliance, and cross-border transaction efficiency.

Artificial Intelligence and Governance Shape the Future of Digital Commerce

Artificial intelligence continues expanding across payments, fraud prevention, authentication, and commerce operations. Meanwhile, organizations continue strengthening governance, digital trust, and cybersecurity to support secure, transparent, and increasingly automated digital commerce ecosystems.

Table of Contents

1. Key Takeaways

2. Management Summary

3. Global Payments Landscape & Market Evolution

• 3.1. Digital Payments Market & Adoption
• Global: Digital Payments Adoption, Innovations and Consumer Preferences, June 2026 (Part 1 of 2)
• Global: Digital Payments Adoption, Innovations and Consumer Preferences, June 2026 (Part 2 of 2)
• Global: Digital Mobility Payments and Market Growth Overview, June 2026
• 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: Transaction-Related Payments Revenue, by Region, in USD billion, and Compound Annual Growth Rate, 2019, 2024 & 2029f
• 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: Payments Revenue by Type, Commercial & Consumer in %, 2024
• Global: Payments Revenue by Type, Commercial & Consumer in %, by Region, 2024
• Global: Payments Revenue by Type, Commercial & Consumer in %, by Region, by Payment Type, 2024
• 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
• 3.2. Real-Time Payments & Next-Generation Payment Rails
• Global: Real-Time Payment Transactions, in billions of Transactions, and Growth Rates, 2022-2023 & 2028f
• Global: Instant Payments as Share of Non-Cash Transaction Volume, in %, 2023 & 2028f
• Global: Share of Real-Time Payments in Total Electronic Transactions, in %, 2023 & 2028f
• Global: Top Five Real-Time Payment Markets by Transaction Volume and Year-on-Year Growth, in billions of Transactions and %, 2023
• Global: Instant Payment Penetration and Year-on-Year Volume Growth by Region, in %, 2024
• Global: A2A Transaction Volume, in billions, and Total Growth, 2024 & 2029f
• 3.3. Cross-Border Payments & Infrastructure Evolution
• Global: Cross-Border Payment Infrastructure Layers, Intermediaries, and Settlement Mechanisms, June 2026
• Global: Evolution of Cross-Border Payment Infr., Real-Time Connectivity, and Network Modernizat., June 2026
• Global: Structural Drivers Accelerating Cross-Border Payment Infrastructure Modernization, June 2026
• Global: Transition Toward Real-Time Interoperable Cross-Border Payment Systems, June 2026
• Global: Competitive Positioning Across Banks, PSPs, FinTechs, and Payment Infrastr. Providers, June 2026
• Global: Service Capabilities Across Major Cross-Border Payment Infrastructure Providers, June 2026
• Global: Competition Across Cross-Border Payment Networks Layer, June 2026

4. Global Payment Economics, Business Models & Value Creation

• 4.1. Payment Business Models & Industry Economics
• Global: Impact of A2A Payments and Alternative Rails on Revenue Pools, April 2026
• Global: A2A Payment Monet. Models, Fee Structures, Cost Allocation and Value-Added Services, April 2026
• Global: Real-Time Paym. Business Models, Value Capture, Revenue Layers and Comp. Positioning, Apr 2026
• Global: Payment Value Chain Profit Pools, Issuing, Acquiring, Processing, and Revenue Layers, April 2026
• Global: Commercial Payment Revenue Distribution by Region, in % of Total Payment Revenues, 2024
• Global: Consumer Payment Revenue Distribution by Region, in % of Total Payment Revenues, 2024
• Global: Revenue Structure and Monetization Mechanisms Across Card and A2A Payment Models, April 2026
• Global: A2A Payments and Multi-Rail Infrastructure Development, April 2026
• Global: Multi-Rail Payment, Orchestration Adoption, Infrastructure Positioning, and Revenue Models, Apr 2026
• Global: Merchant Payment Acceptance Costs for Card-Based and A2A Transactions, April 2026
• Global: Card Type Identified as Most Likely to Be Impacted by A2A Payments, in % of Paym. Executives, 2025
• Global: Merchant Acceptance of Selected Payment Methods, in % of Respondents, 2023 & 2025e
• 4.2. Cross-Border Payment Economics & Value Chains
• Global: TAM of Wholesale and Retail Cross-Border Payments, in USD tn. and CAGR, 2024 & 2032f
• Global: TAM of Non-Wholesale Cross-Border Payments, in USD tn. and CAGR, 2024 & 2032f
• Global: B2C Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: B2B Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: C2B Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: C2C Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: Cross-Border Payment Flows by Use Case, in USD trillions and % of Total Share, 2025
• Global: Cross-Border Payment Revenues by Use Case, in USD billions and % of Total Share, 2025
• Global: Cross-Border Payment Take Rates by Use Case, in % of Cross-Border Payment Flow Value, 2025
• Global: Large Enterprise Cross-Border B2B Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: SMB Cross-Border B2B Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: Cross-Border Payment Fee Structures and Transaction Friction Across Major Corridors, June 2026
• Global: Settlement Delays, Intermediary Complexity, and Liquidity Constraints in Intern. Payments, June 2026
• Global: Infrastructure Factors Influencing Cost and Efficiency Across Major Payment Corridors, June 2026

5. Global Payment Infrastructure, Connectivity & Interoperability

• 5.1. Payment Infrastructure Modernization
• Global: Volume of Non-Cash B2B and B2C Payments, in billions and CAGR, 2007, 2014, 2023-2025f, 2029f
• Global: Share of Non-Cash Transaction Volume by Payment Instrument, in %, 2023 - 2024e & 2029f
• Global: Share of E-Commerce Transaction Value by Payment Method, in %, 2024 & 2030f
• Global: Correspondent Banking, RTP-Based Payment Models, and Cross-Border Infrastr. Trends, June 2026
• Global: RTP System Expansion, Transaction Growth, and Cross-Border Connectivity Initiatives, June 2026
• Global: Cross-Border RTP Linkages, Payment-System Interoperability, and Infrastr. Connectivity, June 2026
• Global: ISO 20022 Adoption and Interoperability Development Across Payment Systems, June 2026
• Global: ISO 20022 Standardization and Payment Data Harmonization, June 2026
• Global: SWIFT Infrastr. Modernization, ISO 20022 Migration, and Transaction Data Standardization, June 2026
• Global: API-Based Financial Infrastructure and Embedded Payment Integration, June 2026
• Global: Banking-as-a-Service and API Ecosystem Expansion in International Payments, June 2026
• Global: Strategic Expansion of API-Based Payment Infrastructure Providers, June 2026
• Global: Payment Orchestration Layers and Intelligent Routing Infrastructure, June 2026
• Global: Multi-Rail Payment, Transaction Routing Complexity, and Payment Method Fragmentation, June 2026
• Global: Digital Wallet Connectivity, Multi-Currency Payment, and Cross-Border Payment Integration, June 2026
• 5.2. Interoperability & Cross-Border Connectivity
• Global: Cross-Border A2A Payment Limitations and Card Network Dominance, April 2026
• Europe: SEPA Instant Credit Transfer Usage Patterns Across Retail Transactions, May 2026
• Europe: Open Banking and Account-to-Account Payment Development Across Retail Transactions, May 2026
• Europe: Development and Rollout of EPI's Wero Payment System, May 2026
• 5.3. Infrastructure Adoption & Implementation Challenges
• Global: Success Factors Behind UPI and Pix, Policy Mandates, Cost Structures, and Infrastr. Design, Apr 2026
• Global: Open Banking Payment Adoption Barriers, Merchant, Consumer, and Regulatory Constraints, Apr 2026
• U.S.: Structural Barriers to Real-Time and A2A Payment Adoption, April 2026

6. Global Digital Identity & Trust Infrastructure

• 6.1. Identity Infrastructure Overview
• Global: Structural Drivers Supporting Digital Identity Modernization, July 2026
• Global: Identity, Authentication, and Trust Across Digital Ecosystems, July 2026
• Global: Competitive Positioning Across Identity Ecosystems, July 2026
• 6.2. Digital Identity Market & Adoption
• Global: Enterprise Demand Across Digital Identity Solution Categories, July 2026
• Global: Enterprise Adoption of Digital Identity Infrastructure Across Industry Sectors, July 2026
• Global: Sector-Level Investment Drivers for Digital Identity Infrastructure, July 2026
• Global: Enterprise Identity Orchestration Across Hybrid Digital Environments, July 2026
• Global: Identity Governance Frameworks Supporting Enterprise Digital Trust, July 2026
• 6.3. Identity Architecture & Trust Frameworks
• Global: Evolution of Identity Models and Authentication Frameworks, July 2026
• Global: Centralized, Federated, and Decentralized Identity Architecture Models, July 2026
• Global: Applications of Digital Identity Infrastructure Across Commerce, Finance, and Government, July 2026
• Global: Digital Trust Frameworks Supporting Cross-Sector Digital Ecosystems, July 2026
• Global: Identity Portability, Credential Reusability, and Interoperability, July 2026
• 6.4. Authentication & Identity Verification
• Global: Awareness of Passkeys Among Consumers, in % of Respondents, April 2026
• Global: Consumer Adoption of Passkeys Across Digital Accounts, in % of Respondents, April 2026
• Global: Consumers Who Enabled Passkeys on at Least Some Accounts, in % of Respondents, April 2026
• Global: Consumer Preference and Usage Frequency of Passkeys, in % of Respondents, April 2026
• Global: Passkey Activity at Employers, in % of Employed Respondents, April 2026
• Global: Employees Reporting Passkey Activity at Their Employer, in % of Employed Respondents, April 2026
• Global: Leading Drivers for Considering or Implementing Passkeys, in % of Organizations With Active Passkey Consideration or Adoption, April 2026
• Global: Primary Workforce Sign-In Method Used by Employees, in % of Organizations, April 2026
• Global: Developments in Multi-Factor Authentication, Enterprise Adoption, and Regulatory Requir., July 2026
• Global: Biometric Authentication Adoption Across Digital Services, July 2026
• Global: Continuous Identity Trust Assessment Across Enterprise Digital Ecosystems, July 2026
• Global: Risk-Based Authentication Decision Frameworks Across Digital Card Payment Ecosystems, July 2026
• 6.5. Digital Credentials & Identity Wallets
• Global: Government Digital Identity Programs and National Identity Platforms, July 2026
• Global: Platform-Based Identity Ecosystems Including Apple, Google, and Microsoft, July 2026
• Global: Mobile Driver's License Ecosystem And Digital Identity Wallet Integration, July 2026
• Global: Digital Identity Wallets Supporting Authentication, Payments, And Reusable Credentials, July 2026
• Global: Digital Payment Credentials Supporting Credential Provisioning and Lifecycle Management, July 2026
• Global: Digital Credential Adoption Across Financial, Travel, Healthcare, And Professional Services, July 2026
• 6.6. Identity Infrastructure for Payments & Commerce
• Global: Digital Identity Applications Across Customer Onboarding and Account Opening Processes, July 2026
• Global: Authentication Methods Used in Digital Payment Transaction, July 2026
• Global: Digital Identity Infrastructure Supporting Open Banking and Open Finance Ecosystems, July 2026
• Global: Embedded Finance Infrastructure Supporting Platform-Based Financial Services, July 2026
• Global: Digital Identity Verification and Authent. in Cross-Border Payment Compliance Processes, July 2026
• Global: Organizational Identity Infrastructure for Cross-Border Business and Digital Trade, July 2026
• Global: KYB Infrastructure Across Merchant Acquiring and Platform Commerce Ecosystems, July 2026
• Global: Continuous Merchant Monitoring Across Digital Commerce, July 2026
• Global: Network Tokenization and Identity-Based Payment Security Infrastructure, July 2026
• 6.7. Digital Identity Business Value & Identity Economics
• Global: Cost of Customer Onboarding Across Banking, Payments, and Financial Services, July 2026
• Global: Likelihood of Abandoning a Purchase or Account Sign-In Due to a Forgotten Password, in % of Cons., April 2026
• Global: Compliance Cost Optimization Through Digital Identity Infrastructure, July 2026
• Global: Business Value Drivers of Digital Identity Investments Across Industries, July 2026

7. Global Settlement, Liquidity & Digital Money Infrastructure

• 7.1. Treasury, Liquidity & Foreign Exchange Infrastructure
• Global: Treasury Optimization, Liquidity Management, and International Payment Operations, June 2026
• Global: Foreign Exchange Infrastr., Liquidity Management, and Cross-Border Payment Efficiency, June 2026
• Global: Treasury Modernization, Multi-Currency Liquidity Management, and Automated FX Routing, June 2026
• 7.2. Settlement Performance & Payment Efficiency
• Global: Wholesale Cross-Border Payments Credited Within One Hour and One Busin. Day, in %, 2023 - 2025
• Global: Retail Cross-Border Payments Credited Within One Hour and One Business Day, in %, 2023 - 2025
• Global: Availability of Cost and Speed Inform. Across Retail Cross-Border Payment Services, in %, 2023 - 2025
• 7.3. Tokenized Settlement & Digital Money Infrastructure
• Global: Traditional and Stablecoin-Based Cross-Border Settlement Infrastructure, June 2026
• Global: Stablecoin Adoption, Tokenized Settlement Development, and International Payment Infr., June 2026
• Global: CBDC Pilot Programs, Tokenized Settlement Networks, and Cross-Border Payment Exper., June 2026
• Global: Project mBridge Cross-Border Transactions Values, in USD billions, 2022 & 2025
• Global: Atomic Settlement Models, Tokenized Money Infrastructure, and Next-Generation Payment, June 2026
• Global: Tokenized Cross-Border Payment Infrastructure Cost Savings, in USD bil. and CAGR, 2026e - 2030e

8. Global Stablecoins & Digital Money Infrastructure

• 8.1. Stablecoin Market Overview
• Global: Evolution of Stablecoins from Digital Assets to Payment and Settlement Infrastructure, June 2026
• Global: Stablecoin Ecosystem Overview, July 2026
• Global: Key Drivers of Stablecoin Adoption, July 2026
• Global: Stablecoins Within the Broader Digital Money Landscape, June 2026
• 8.2. Stablecoin Ecosystem & Market Development
• Global: Stablecoin Market Capitalization and Leading Stablecoins, July 2026
• Global: Stablecoin Market Size and Estimated Growth Scenarios, in USD billions, 2020 - 2025 & 2030f
• Global: Stablecoin Transaction Activity by Volume Category, in USD trillion, 2025
• Global: Distribution of Stablecoin Market Share Between Tether & Circle, and Other Issuers, in %, 2026
• Global: Stablecoin Types and Reserve Structures, July 2026
• Global: Issuers, Custodians, Wallet Providers, Payment Processors, and Liquidity Providers, July 2026
• Global: Stablecoin Payment Functional Architecture, June 2026
• Global: Settlement and Orchestration Infrastructure Supporting Stablecoin Transactions, June 2026
• Asia-Pacific: Enterprise Infrastructure Supporting Stablecoin Payment and Settlement Ecosystems, July 2026
• 8.3. Stablecoin Economics & Business Models
• Global: Revenue Models of Stablecoin Issuers, July 2026
• Global: Stablecoin Reserve Management and Issuer Economics, June 2026
• Global: Cost Structures Compared to Traditional Payment Infrastructure, July 2026
• Global: Factors Supporting Stablecoin Business Model Sustainability, July 2026
• 8.4. Stablecoin & Payment Infrastructure
• Global: ACH Networks and Stablecoin Payment Infrastructure, July 2026
• Global: Stablecoins and Real-Time Payment Systems, July 2026
• Global: Stablecoins and SEPA Instant Payment Networks, July 2026
• Global: Stablecoins & Traditional Payment Infrast. Compared Across Operational Characteristics, June 2026
• 8.5. Stablecoin Payment & Settlement Applications
• Global: Annualized Stablecoin Payment Volumes by Payment Category, in USD billion, 2025
• Global: Stablecoin Payment Penetration by Payment Segment, in %, 2025
• Global: Share of Annualized Stablecoin Payment Volume by Transaction Category, in %, 2025
• Global: Cross-Border B2B Stablecoin Transaction Value, in USD billions, 2026 & 2035f
• Global: Stablecoin Payroll and Remittance Payments, in USD trillion, 2025
• Global: Origin of Annualized Stablecoin Payment Volumes by Region, in USD billion, 2025
• U.S.: Share of Merchants Accepting Cryptocurrency Payments, in %, 2026
• U.S.: Share of Merchants Accepting Cryptocurrency Payments by Company Size, in %, 2026
• U.S.: Reported Benefits of Accepting Cryptocurrency Payments Among Merchants, in %, 2026
• U.S.: Projected Stablecoin-Enabled Retail Payment Volumes, in USD billion, 2026f - 2030f
• 8.6. Stablecoin Institutional Adoption & Global Market Development
• Global: Banks and Financial Institutions Expanding Stablecoin Infrastructure, June 2026
• Global: Payment Providers and PSP Stablecoin Initiatives, June 2026
• Global: Stablecoin Infrastructure Partnerships Across Payment Ecosystems, June 2026
• Global: Stablecoin Adoption Across Commerce and Financial Services, June 2026
• Global: Stablecoin Treasury Capabilities Supporting International Business Operations, June 2026
• Global: Stablecoin Integration Across Commercial Payment Infrastructure, June 2026
• Global: Cross-Border Settlement Deployments and Operational Implementations, June 2026
• Global: Top Stablecoin Use Cases of Interest Over the Next Five Years, in % of Surveyed Organizations, 2025
• Asia-Pacific: Stablecoin Strategies for Cross-Border Payment Infrastructure, July 2026
• Asia-Pacific: Digital Money Strategies in South Korea and India, July 2026
• Singapore: Institutional Stablecoin Infrastructure and Tokenized Finance, July 2026
• Middle East: Institutional Stablecoin Payment Infrastructure Development, July 2026
• Middle East: Institutional Digital Financial Infrastructure and Tokenization, July 2026
• Latin America: Stablecoin Adoption Across Cross-Border Payments and Treasury Operations, July 2026
• Africa: Stablecoin Adoption Drivers Across Cross-Border Payment Markets, July 2026
• Africa: Financial Institutions & Payment Infrastructure Supporting Stablecoin Payments & Settlement, July 2026
• 8.7. Stablecoin in Digital Commerce
• Global: Merchant Acceptance and Commerce Enablement, July 2026
• Global: Merchant Economics of Stablecoin Payments, July 2026
• Global: Stablecoins Supporting Cross-Border E-Commerce, July 2026
• Global: Digital Commerce Platforms Expanding Stablecoin Payment Capabilities, July 2026
• 8.8. Stablecoins & Digital Money Models
• Global: Stablecoins, Tokenized Deposits, and Blockchain-Based Settlement Models, June 2026
• Global: Commercial Bank Money Tokens and Deposit Token Initiatives, June 2026
• Global: Stablecoins Compared with Central Bank Digital Currencies, June 2026
• Global: Programmable Money Infrast. Across Stablecoins, CBDCs, and Tokenized Money Systems, June 2026

9. Global AI Infrastructure & Intelligent Payment Systems

• 9.1. AI Across Payment Ecosystems
• Global: Overview of AI Use in Payments, June 2026 (1 of 3)
• Global: Overview of AI Use in Payments, June 2026 (2 of 3)
• Global: Overview of AI Use in Payments, June 2026 (3 of 3)
• Global: Overview of AI and Machine Learning in Payments, June 2026 (1 of 2)
• Global: Overview of AI and Machine Learning in Payments, June 2026 (2 of 2)
• Global: AI-Driven Fraud Prevention and Risk Management in Financial Services, June 2026
• Global: AI-Optimized Payments, Risk Management, and Customer Experience, June 2026
• Global: AI Collaboration and Future Innovations in Payments, June 2026
• Global: AI and Crypto Applications Tackle Cart Abandonment and Digital Checkout Friction, June 2026
• Global: Challenges And Risks of AI Use in the B2C E-Commerce And Online Payments Industry, June 2026
• Global: Use Cases of AI and Machine Learning in Payments, in % of Payment Professionals, 2023e
• 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
• Global: Long-Term Implications for Cross-Border Transaction Infrastructure, June 2026
• 9.2. Intelligent Payment Operations & Automation
• Global: AI-Driven Transaction Routing and Intelligent Payment Optimization Systems, June 2026
• Global: AI in Treasury Operations, Liquidity Forecasting, and FX Management, June 2026
• Global: AI-Powered Fraud Detection and Transaction Monitoring in Cross-Border Payments, June 2026
• Global: Operational Automation Across International Payment Compliance Systems, June 2026
• Global: ML Infrastructure, Real-Time Risk Scoring, Sanctions Monit., and Financial Crime Detection, June 2026
• Global: Adoption of Innovative Payment Technologies by Banks & PayTechs, in % of Exec. Reporting Technologies Already Deployed, 2025
• Global: Prioritization of Payment Industry Initiatives by Banks & PayTechs, in % of Executives Surveyed, 2025
• Global: Merchant Expectations Versus Banks' Reported Capability Levels Across Payment Infrastructure Services, in % of Respondents, 2025
• 9.3. AI-Driven Fraud & Emerging Threats
• Global: AI-Enabled Phishing, Social Engineering Acceleration, and AI-Driven Fraud Det. in Payments, March 2026
• Global: Performance and Efficiency Comparison of AI-Enabled and Traditional Crypto Scams, March 2026
• Global: Share of AI-Enabled Crypto Scams Concentrated in High-Value / High-Volume Activity, in % of Scams, 2025
• Global: Impact of Service-Based Scam Supply Chains on Fraud Scalability, Transaction Effectiveness, and Operational Intensity, March 2026
• Global: Evolution of Fraud Techniques, Detection Processes, and AI-Enabled Risk Management Practices, March 2026
• Global: Share of Consumers Who Are "Very Confident" in Identifying AI-Generated Threats or Scams, in % of Respondents, 2025
• Global: Adoption of Generative AI in Fraud Prevention by Banks, in % of Respondents, March - April 2025
• Global: Perceived Use of Generative AI in Voice-Cloning Fraud, in % of Respondents, March- April 2025
• Global: Expected Impact of AI-Driven Behavioral Analytics on Fraud Prevention, in % of Resp., March - April 2025
• 9.4. AI-Driven Fraud Prevention & Security
• Global: Adoption and Primary Use Cases of AI-Enabled Tools for Cybersecurity, in % of Resp., August - October 2025
• Global: Behavioral AI Adoption and Enterprise Deployment Challenges in Fraud Detection Sys., March 2026
• Global: Top Use Cases of AI in Fraud and Financial Crime Prevention by Financial Institutions, in % of Resp., March - April 2025
• Global: Duration of AI Use in Fraud Prevention by Financial Institutions, in % of Resp., March - April 2025
• Global: Adop. of AI for Fraud and Financial Crime Prevention by Financial Institutions, in % of Resp., March - April 2025
• Global: Leading Challenges in AI Deployment for Fraud and Financial Crime Prevention, in % of Resp., March - April 2025
• Global: Reported Impact of AI Adoption on False Positives in Fraud and Financial Crime Prevention, in % of Resp., March - April 2025
• Global: Reported Impact of AI Adoption on Fraud Loss Reduction, in % of Respondents, March - April 2025
• Global: Criminal Use of Generative AI in Fraud and Scam Activities, in % of Respondents, March - April 2025
• Global: Fraud Prevention Technologies, in % of Business Leaders Ranking Each Among the Top Three Most Effective, May - June 2025
• Global: Key Barriers to AI Implementation in Cybersecurity, in % of Respondents, August - October 2025
• Global: Organizations with a Process to Assess the Security of AI Tools Before Deployment, in % of Resp., 2025 - 2026
• Global: AI Security Reviews Before Deployment, by Organizational Resilience Level, in % of Resp., August - October 2025
• Global: Share of Consumers More Trusting of AI-Based Security Than Human-Monitored Security by Generation, in % of Respondents, 2025

10. Global AI Commerce & Consumer Transformation

• 10.1. Consumer Adoption & Trust in AI Commerce
• 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: AI Usage by Consumer Shopping Category, in % of Respondents, February 2026
• Global: AI Usage Across the Shopping Journey by Task, in % of Respondents, February 2026
• Global: Role of AI in Initial Product Discovery and Decision-Making, April 2026
• Global: Impact of AI on Brand Influence and Purchase Decision Criteria in Retail, April 2026
• Global: Key Consumer Concerns About Agentic AI in Commerce, in % of Respondents, Aug 2025
• U.S.: Consumer Trust in AI Sources for Executing the Entire Shopping Experience, in % of Resp., Sep 2025
• Europe: Gen AI Usage in the Awareness Stage of the Shopping Journey, in % of Respondents, December 2025
• Europe: Gen AI Usage in the Consideration and Purchase Stage of the Shop. Journey, in % of Resp., Dec 2025
• Europe: Gen AI Usage in the Postpurchase Stage of the Shopping Journey, in % of Resp., December 2025
• Europe: Consumer High Comfort with AI Tool Autonomy During the Shopping Journey, in % of Resp., Dec 2025
• Europe: Consumer Low Comfort with AI Tool Autonomy During the Shopping Journey, in % of Resp., Dec 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
• 10.2. AI Discovery, Search & Traffic Transformation
• U.S.: YoY Change in Organic Search and Gen AI Retail Traffic, in %, 2024-2025
• US & Canada: Year-Over-Year Growth in E-Commerce Traffic by Source, in %, January - December 2025
• Europe: Share of AI-Driven Search Visits in Total Organic Traffic, in %, Early 2024 - End of 2026
• Europe: Share of LLM Referral Traffic in Total Website Traffic, in %, Late 2025 - Late 2026
• Europe: Year-Over-Year Growth in LLM Referral Traffic by Retail Sector, in %, Sep 2024 - Sep 2025
• Europe: Year-over-Year Growth in Traffic by Source in the Fashion and Sport, in %, Sep 2024 - Sep 2025
• Europe: Year-over-Year Growth in Traffic by Source in the Luxury, in %, Sep 2024 - Sep 2025
• Europe: Year-over-Year Growth in Traffic by Source in the Specialty Retail, in %, Sep 2024 - Sep 2025
• Europe: Year-over-Year Growth in Traffic by Source in the Marketpl. (Exc. Amazon), in %, Sep 2024 - Sep 2025
• Europe: Year-over-Year Growth in Traffic by Source in the Marketpl. (inc. Amazon), in %, Sep 2024 - Sep 2025
• Europe: YoY Growth in Traffic by Source in Direct-to-Cust. and Brand-Owned Web., in %, Sep 2024 - Sep 2025
• Europe: Year-over-Year Growth in Traffic by Source in the Omnichannel Retail, in %, Sep 2024 - Sep 2025
• Europe: Year-over-Year Growth in Traffic by Source in the Mass Retail, in %, Sep 2024 - Sep 2025
• U.S.: ChatGPT Retail Referrals by Volume and Share, in Mill. Visits and % of Total Refer., Oct 2024 - Oct 2025
• UK: ChatGPT Retail Referrals by Volume and Share, in Mill. Visits and % of Total Refer., Oct 2024 - Oct 2025
• Germany: ChatGPT Retail Refer. by Volume and Share, in Mill. Visits and % of Total Refer., Oct 2024 - Oct 2025
• France: ChatGPT Retail Referrals by Volume and Share, in Mill. Visits and % of Total Refer., Oct 2024 - Oct 2025
• 10.3. Structural Transformation of Digital Commerce
• Global: AI/LLM-Driven Disruption Risk in Retail and E-Comm. Consumer Journeys, in Score, June - Sep 2025
• Global: AI Shopping Agents, Product Discovery Behavior and Purchase Delegation Trends, March 2026
• Global: Structural Changes in the Consumer Shopping Journey with AI Integration, April 2026
• Global: E-Commerce Platform Dynamics, Traffic Ownership and Merchant Visibility, March 2026
• Global: Retailer Strategic Approaches to AI Integration in Commerce, April 2026
• Global: Winners in AI Platforms and Infrast. vs. Risks for Marketplaces and SEO-Driven Retailers, April 2026
• Europe: Consumer Use of AI in Shopping Journeys, Trust and Delegation, March 2026
• Europe: Consumer Trust in AI-led Shopping Actions and Delegation Boundaries, March 2026

11. Global Agentic Commerce & Autonomous Transaction Systems

• 11.1. Agentic Commerce Evolution & Enterprise Adoption
• Global: Evolution of AI-Assisted, Delegated, and Autonomous Transaction Models, May 2026
• Global: AI-Mediated Commerce, Delegated Purchasing, and Autonomous Transaction Execution, May 2026
• Global: Evolution from Assisted Discovery to Autonomous Purchasing Across the Commerce Journey, May 2026
• Global: Organizations Using AI in at Least One Business Function, in % of Respondents, 2023 - 2025
• Global: Key Developments in Agentic and Generative AI across Banking Segments, May 2026
• Global: Autonomous Economic Agents and Machine-to-Machine Commerce Systems, May 2026
• Global: Shift from Payment Execution to Permission, Trust, and Programmable Transaction Logic, May 2026
• Global: Strategic Positioning Across AI Platforms, Payment Infrastructure, & Commerce Ecosystems, May 2026
• Global: AI Shopping Interfaces, Product Discovery Systems, & Commerce Integration Frameworks, May 2026
• Global: AI-Orchestrated Customer Interaction, Transaction Coordination, & Commerce Workflow, May 2026
• U.S.: Current State of Agentic AI Technology Adoption Among Enterprises, in % of Respondents, Dec 2025
• U.S.: Share of Enterprises Rating Gen AI Tasks by Strategic Impact Level, in % of Resp., December 2025
• U.S.: Share of Enterprises by Level of Gen AI Task Autonomy, in % of Ent. Performing Each Task, Dec 2025
• U.S.: Share of Enterprises by Preferred Gen AI Platform Provider, in % of Respondents, December 2025
• U.S.: Enterprise Agreement with Select Statements on Gen AI Strategic and Risk Imp., in % of Resp., Dec 2025
• U.S.: AI Use in Finance by Function, Leadership Role, and Governance Priorities, May 2026
• U.S.: Leading Barriers to Agentic AI Adoption, in % of Respondents, 2025
• 11.2. Autonomous Commerce Infrastructure & Interoperability
• Global: Real-Time Payments, Open APIs, Tokenization, and Interoperable Commerce Infrastructure, May 2026
• Global: Technology Foundations for Agentic Commerce, Protocols and Platform Integrations, May 2026
• Global: AI-Commerce Protocols and Interoperability Standards, May 2026
• Global: Cloud Infrastructure, AI Compute Scaling, and Commerce Processing Capacity Expansion, May 2026
• Global: Merchant Readiness Across API Checkout and AI-Compatible Commerce Infrastructure, May 2026
• Global: Payment Processing Steps, System Dependencies, and Authorization Decision Layers, May 2026
• U.S.: Digital Wallet Adoption Trends, May 2026
• U.S.: AI Infrastructure Scaling and Investor Confidence, May 2026
• Europe: AI Wallet Mergers, P2P Expansion, and Digital Euro Integration, May 2026
• Europe: AI in Open Banking for Risk Control, Value Services, and Infrastructure Efficiency, May 2026
• Europe: Cloud Dependency, Modular AI Architecture, and Strategic Investment Priorities, May 2026
• UK: Open Banking, API Ecosystems, and AI Payment Innovation, May 2026
• China: Mobile Wallet Penetration, Digital Infrastructure, and Consumer Adoption, May 2026
• Africa: Digital Infrastructure, Data Center Expansion, and Governance Models for AI Deployment, May 2026
• 11.3. AI Agents & Autonomous Commerce Applications
• Global: Autonomous Shopping Agents, Purchase Delegation, and AI-Assisted Commerce Workflows, May 2026
• Global: Conversational Commerce and AI-Assisted Purchase Journeys, May 2026
• Global: Agentic Commerce, Automated Payment Journeys, and Emerging Authentication Impli., May 2026
• Global: Multi-Rail Payment Routing, Transaction Orchestration, and Automated Execution Infrastr., May 2026
• Global: Checkout Infrastr., Transaction Gateways, and Commerce Execution Layer Competition, May 2026
• Global: Subscription Automation and Autonomous Recurring Commerce Models, May 2026
• Global: AI Procurement Agents and Autonomous Vendor Coordination Systems, May 2026
• Glo