AI in Europe’s Payments and E-Commerce: Adoption Gaps, Regulatory Shifts, and Key Developments 2025
Description
AI Adoption Accelerates Across European Payments and E-Commerce, but Gaps in Trust, Talent, and Integration Persist, yStats.com Finds
Baltics and Eastern Europe Outpace the West in AI Usage
Across Europe, enterprise AI adoption is advancing, led by Latvia, Estonia, Norway, Poland, and Slovenia, where frequent AI use is becoming the norm. These countries show clear movement toward embedding AI into operations. In contrast, Germany, France, and the Netherlands continue to lag behind, and Spain shows minimal implementation. The divide highlights uneven momentum between early movers and larger economies.
Compliance Becomes a Competitive Edge in Europe’s AI Race
New regulations—including the EU AI Act and DORA are reshaping the region’s digital economy. The report finds that businesses aligning early with these frameworks are better positioned to scale AI in sensitive areas like risk scoring and fraud prevention. Meanwhile, companies stuck in pilot mode risk falling behind in both compliance and capability.
Low Public Trust and Security Risks Threaten AI Scale-Up
Despite progress, public trust in AI remains fragile across much of Europe. Fewer than half of users view AI positively, especially in Northern and Western countries. Rising threats like AI-generated fraud and social engineering only deepen concerns. As yStats.com CEO Yücel Yelken notes, “Europe has the ambition but without trust, infrastructure, and skilled talent, its AI expansion could falter before it scales.”
Baltics and Eastern Europe Outpace the West in AI Usage
Across Europe, enterprise AI adoption is advancing, led by Latvia, Estonia, Norway, Poland, and Slovenia, where frequent AI use is becoming the norm. These countries show clear movement toward embedding AI into operations. In contrast, Germany, France, and the Netherlands continue to lag behind, and Spain shows minimal implementation. The divide highlights uneven momentum between early movers and larger economies.
Compliance Becomes a Competitive Edge in Europe’s AI Race
New regulations—including the EU AI Act and DORA are reshaping the region’s digital economy. The report finds that businesses aligning early with these frameworks are better positioned to scale AI in sensitive areas like risk scoring and fraud prevention. Meanwhile, companies stuck in pilot mode risk falling behind in both compliance and capability.
Low Public Trust and Security Risks Threaten AI Scale-Up
Despite progress, public trust in AI remains fragile across much of Europe. Fewer than half of users view AI positively, especially in Northern and Western countries. Rising threats like AI-generated fraud and social engineering only deepen concerns. As yStats.com CEO Yücel Yelken notes, “Europe has the ambition but without trust, infrastructure, and skilled talent, its AI expansion could falter before it scales.”
Table of Contents
81 Pages
- 1. Management Summary
- 2. Key Takeaways
- 3. AI Adoption Landscape & Regional Patterns
- 3.1. Regional Adoption Benchmarks
- Northern & Western Europe: Adoption of AI by Country, in % of Respondents Reporting Regular Use, Nov 2024 - Jan 2025
- Southern & Eastern Europe: Adoption of AI by Country, in % of Respondents Reporting Regular Use, Nov 2024 - Jan 2025
- Europe: AI Technology Adoption by Country, in % of Enterprises with 10 or More Employees, 2023 & 2024
- Europe: AI Application Types, in % of Enterprises with 10 or More Employees, 2023 & 2024
- Europe: Employee Usage of AI Tool by Country, in % of Respondents Using AI Several Times Weekly, June 2025
- 3.2. Seller Segmentation & Barriers
- Europe: Lag in Generative AI Adoption, IT Investment Deficit, and Infrastructure Limitations, July 2025
- Europe: AI Reskilling Targets, Talent Retention Issues, and Compliance Barriers, July 2025
- 4. Functional Use Cases & Economic Impact
- 4.1. E-Commerce Seller Operations
- Europe: LVMH’s AI Integration Across Design, E-Commerce, Engagement, and Operations, July 2025
- Europe: AI Use in LVMH’s E-Commerce Search, Loyalty Programs, and Sales Tools, July 2025
- 4.2. Payments & FinTech Use Cases
- Europe: AI-Driven Payment Automation, Fraud Detection, and Core Infrastructure Upgrades, July 2025
- Europe: AI in Open Banking for Risk Control, Value Services, and Infrastructure Efficiency, July 2025
- Europe: AI Wallet Mergers, P2P Expansion, and Digital Euro Integration, July 2025
- Europe: AI-Driven MCA Growth, PSP Consolidation, and Regulatory Alignment via PSD3, July 2025
- Europe: Digital Euro, MiCA Regulation, Innovation Framework, and AI-Driven Payments, July 2025
- 5. Risk Management, Trust & Security
- 5.1. Fraud & Threat Trends
- Europe: AI Fraud Prevention, Biometric Authentication, and Tokenized Checkout Solutions, July 2025
- Europe: Deepfakes, Synthetic Identities, and Onboarding Manipulation in AI-Driven Payments, July 2025
- Europe: Multi-Channel Deception, AI Disinformation, and Detection Strain in Fraud Landscape, July 2025
- 5.2. Detection Tools & Risk Models
- Europe: Fraud Prevention, Chatbot Automation, Personalization, and Process Efficiency, July 2025
- Europe: AI Use Cases in Risk and Compliance Functions, in % of Respondents, Aug - Sep 2024
- 5.3 Trust & Readiness
- Europe: Personal and Work Adoption of Top Generative AI Use Cases, in % of Respondents, June - Aug 2024
- Europe: Employee Views on Generative AI’s Workplace Outcomes, in % of Respondents, June - Aug 2024
- Europe: Top Public Concerns About Generative AI Use, in % of Respondents, June - August 2024
- Europe: Use of Generative AI by Task Type, in % of Respondents, June - August 2024
- Europe: Employee Expectations of AI Job Displacement by Country, in % of Respondents, June 2025
- Europe: AI Agent Integration into Operational Workflows by Country, in % of Companies, June 2025
- Northern & Western Europe: Trust and Acceptance of AI by Country, in % of Respondents, Nov 2024 - Jan 2025
- Southern & Eastern Europe: Trust and Acceptance of AI by Country, in % of Respondents, Nov 2024 - Jan 2025
- Northern & Western Europe: Views of AI Benefits Over Risks, in % of Respondents by Country, Nov 2024 - Jan 2025
- Southern & Eastern Europe: Views of AI Benefits Over Risks, in % of Respondents by Country, Nov 2024 - Jan 2025
- Northern & Western Europe: Regular Use and Trust of AI at Work by Country, in % of Respondents, Nov 2024 - Jan 2025
- Southern & Eastern Europe: Regular Use and Trust of AI at Work by Country, in % of Respondents, Nov 2024 - Jan 2025
- Nordics: Regulatory Burdens, Leadership Gaps, and Low AI Agent Adoption in GenAI, March 2025
- UK & Nordics: Perception & Adoption of GenAI Among Business Leaders, in % of Resp., September 2024
- Germany & Nordics: Concerns and Experimentation Levels in GenAI Adoption, in % of Resp., September 2024
- Netherlands & Nordics: Perceived Barriers and Trust Levels in GenAI Adoption, in % of Resp., September 2024
- 5.4. Regulation & Compliance
- Northern & Western Europe: Share Citing a Need for AI Regulation by Country, in % of Respondents Nov 2024 - Jan 2025
- Southern & Eastern Europe: Share Citing a Need for AI Regulation by Country, in % of Respondents Nov 2024 - Jan 2025
- Europe: GPAI-Driven Consumer Risks from Accountability Gaps, Data Bias, and Manipulation, July 2025
- Europe: Institutional, Regulatory, and Technical Obstacles to AI Integration, July 2025
- Europe: GPAI Explainability Limits, ICT Risks, and Talent Shortages in Banking Sector, July 2025
- Europe: AI Transparency, Third-Party Oversight, ICT Risk , and Ethical Use Requirements, July 2025
- Europe: AI Act Risk Model, E-Commerce Adoption, and Early Implementation via AI Pact, July 2025
- 6. Competitive Landscape & Strategic AI Movement
- 6.1. Market Scale & Activity
- Europe: Gen AI Productivity Gains, Model Deficit, Infrastructure Gaps, and Energy Demand, July 2025
- Europe: AI Semiconductor Design, Cloud Infrastructure, Raw Material Supply, July 2025
- 6.2. Strategic Moves by Key Players
- Europe: Advancing AI Governance Through Funding, Regulation, and Innovation, July 2025
- Europe: Cloud Dependency, Modular AI Architecture, and Strategic Investment Priorities, July 2025
- 6.3 AI Governance, Regulation & Innovation Enablers
- Europe: AI Act, Regulatory Sandboxes, Testing Environments, and Data Space Strategy, July 2025
- 7. Country Spotlights: National Insights & Strategic Challenges
- 7.1. UK
- Deepfake Scams, Fintech Vulnerabilities, and Enforcement Gaps in AI-Driven Fraud, July 2025
- Executive Impersonation and Cross-Border Risks in AI-Driven Corporate Fraud, July 2025
- 7.2. Germany
- Top-Reported Benefits of GenAI Adoption, in % of Respondents, March 2025
- Top-Reported Barriers of GenAI Adoption, in % of Respondents, March 2025
- GenAI Strategy Implementation Status Among Enterprises, in % of Respondents, 2024 & 2025
- Top Barriers to Trusted AI Implementation Among Enterprises, in % of Respondents, March 2025
- eCrime Threat Vectors in Digital Systems, in % of Respondents, May 2024
- 7.3. France
- GenAI Confidence, Regulatory Clarity, Talent Gaps, and Infrastructure Limitations, July 2025
- Top GenAI Adoption Inhibitors vs. Global Baseline, in % Point Difference, January 2025
- 7.4. Spain
- Company Focus on Tech Investment and Strategic Digital Transformation, in % of Respondents, July 2025
- Structural Barriers to AI Adoption, SME Limitations, and Fragmented Digital Strategy, July 2025
- 7.5. Poland
- Poland: AI Investment Perception by Company Size, in % of Respondents, June 2025
- Poland: Institutional Gaps, SME Resistance, and AI Barriers in Competitiveness Context, July 2025
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