AI Adoption in Digital Payments and E-Commerce Drives Efficiency and Personalization but Raises Governance and Talent ConcernsyStats.com Reports
Significant Rise in Global AI Spending and Adoption
Global technology spending related to AI continues to grow, with the generative AI market expected to reach USD 425 billion by 2030. By 2025, one-third of companies will invest over USD 25 million in AI, especially in Japan, Singapore, and the USA. AI use has shifted from isolated pilots to broader enterprise deployment, with nealry 80% of organizations reporting usage across multiple functions.
Generative AI Accelerates Revenue Growth and Cost Savings
Generative AI is driving revenue growth and cost reductions across key sectors. This includes double-digit gains in strategy, supply chain, marketing, and software engineering, along with cost savings above 10 percent in areas such as supply chain, risk management, and HR. These results highlight AI’s expanding role as a differentiator in digital payments and E-Commerce.
Governance, Talent, and Ethical Challenges Persist
Despite growing AI adoption, governance remains a concern, with more than 20 percent of organizations having mature risk and compliance frameworks. Talent shortages have led companies to focus on internal reskilling and AI training. Ethical concerns such as data privacy, explainability, and trust continue to influence responsible AI deployment.
- 1. Key Takeaways
- 2. Management Summary
- 3. AI Market Landscape and Investment Trends
- Global: Technology Market Size and Year-over-Year Growth, in USD trillions, 2024 & 2025f
- Global: Growth of AI in Fintech Market, in USD billions, 2025 & 2030f
- Global: Generative AI Market Size, in USD billions, 2025 & 2030f
- Global: AI Investment Intentions by Spending Range, in % of Companies, 2025
- Global: Share of AI Investment by Strategic Focus Area, in % of Leading Companies, 2024
- Global: Share of AI Investment by Strategic Focus Area, in % of Respondents, 2024
- USA: AI Investment Plans Among Midsize Companies and Private Equity Firms, in % of Resp., 2023 & 2024
- Global: Driving Innovation Through Autonomous AI and Integrated Technologies, June 2025
- Global: Key Trends Driving the Future of Payments, June 2025
- Global: AI-Driven Transformation, Unlocking Opportunities and Addressing Challenges, June 2025
- 4. AI Adoption, Usage, and Organizational Integration
- Global: AI Use in One or More Business Functions, in % of Respondent Organizations, 2021 & 2H 2024
- Global: Organizational Use of AI by Extent of Task Integration, in % of Employees, 2025
- Global: Frequency of Intentional Use of AI Tools, in % of respondents, 2025
- Global: Types of AI Tools Intentionally Used at Work, in % of usage, 2025
- Global: Share of Employees and Organizations Reporting AI Use at Work, in % of Respondents, 2022 & 2024
- Global: Workplace Adoption Trends, Productivity Benefits, and Governance Risks in AI Use, June 2025
- Global: Adoption of New Technologies, in % of C-Suite Respondents, 2024
- Global: Demographic Variation, Passive Use, and Limited Recognition of AI, June 2025
- Global: Sector AI Maturity, Regional Adoption Patterns, and Strategic Business Transformation, June 2025
- 5. AI Applications in Payments, Banking, and Finance
- Global: Advancing Payment Security and Efficiency, June 2025
- Global: AI in Transaction Monitoring, Identity Verification, and Payment Optimization, June 2025
- Global: B2B Payments with Embedded Finance, APIs, AI, and Credit Tools, June 2025
- Global: Key Barriers to AI Implementation in Finance, June 2025
- Global: Key Developments in Agentic and Generative AI across Banking Segments, June 2025
- USA: AI Use in Finance by Function, Leadership Role, and Governance Priorities, June 2025
- USA: Leadership Roles Driving AI Adoption in Financial Processes, in % of Respondents, 2023 & 2024
- USA: Top AI Use Cases Including Payment Automation and Fraud Detection, in % of Respondents, 2024
- USA: Expectations on AI’s Impact in Midsize Comp. and Private Equity Firms, % of Respondents, 2023 & 2024
- 6. AI in E-Commerce, Consumer Interaction, and Retail Innovation
- Global: Consumer Openness to Generative AI in Shopping, % of Consumers, 2024
- Global: Consumer Interest in AI E-Commerce Features, in % of Respondents, 2025
- Global: AI and Crypto Applications Tackle Cart Abandonment and Digital Checkout Friction, June 2025
- Global: Key Applications of AI in Amazon’s Logistics Operations, June 2025
- Global: Visa AI Use Cases in Tokenized Payments, Digital Identity & Agentic Commerce, June 2025
- 7. Generative and Agentic AI Use Cases and Emerging Tools
- Global: Enabling Efficiency, Personalization, and Trust with Agentic AI, June 2025
- Global: Adoption Trends, Innovation Impact, and Ethical Risks in Generative AI, June 2025
- Global: Adoption of Model Context Protocol by Major Tech and Payment Platforms, June 2025
- 8. AI-Driven Business Impact: Revenue and Cost Outcomes
- 8.1. Revenue Increases from Generative AI
- Global: Revenue Increases from Generative AI in Strategy and Corporate Finance, in % of Respondents, 2024
- Global: Revenue Increases from Generative AI in Supply Chain and Inventory Management, in % of Respondents, 2024
- Global: Revenue Increases from Generative AI in Marketing and Sales, in % of Respondents, 2024
- Global: Revenue Increases from Generative AI in Service Operations, in % of Respondents, 2024
- Global: Revenue Increases from Generative AI in Software Engineering, in % of Respondents, 2024
- Global: Revenue Increases from Generative AI in Product or Service Development, in % of Respondents, 2024
- 8.2. Cost Reduction from Generative AI
- Global: Cost Reduction Levels from Generative in Supply Chain and Inventory Management, in % of Respondents, 2024
- Global: Cost Reduction Levels from Generative AI in Service Operations, in % of Respondents, 2024
- Global: Cost Reduction Levels from Generative AI in Strategy and Corporate Finance , in % of Respondents, 2024
- Global: Cost Reduction Levels from Generative AI in HR , in % of Respondents, 2024
- Global: Cost Reduction Levels from Generative AI in Software Engineering, in % of Respondents, 2024
- Global: Cost Reduction Levels from Generative AI in Risk, Legal, and Compliance, in % of Respondents, 2024
- Global: Cost Reduction Levels from Generative AI in Marketing and Sales, in % of Respondents, 2024
- Global: Cost Reduction Levels from Generative AI in IT, in % of Respondents, 2024
- Global: Cost Reduction Levels from Generative AI in Product or Service Development, in % of Respondents, 2024
- Global: Cost Reduction Levels from Generative AI in Knowledge Management, in % of Respondents, 2024
- 9. AI Governance, Strategy, and Enterprise Readiness
- Global: AI Governance Challenges, Centralized Strategies, and Leadership Roles in Payment Firms, June 2025
- Global: AI Governance, Strategic Alignment, and Executive Ownership Trends, June 2025
- Global: Degree of Centralization of AI Deployment, in % of Respondents, 2024
- Global: AI Adoption Across Enterprises and Its Business Impact, June 2025
- Global: Gen AI Adoption Teams by Organization Size, in % of Respondents, 2024
- Global: Embedding of Gen AI into Business Processes by Organization Size, in % of Respondents, 2024
- Global: Senior Leaders Driving Gen AI Adoption by Organization Size, in % of Respondents, 2024
- Global: Organizations With Defined Roadmaps for Gen AI Adoption by Organization Size, in % of Respondents, 2024
- 10. AI Training, Skills Development, and Workforce Enablement
- Global: Adoption of AI Training, in % of Workforce, 2025
- Global: AI Training Participation and Self-Assessed Knowledge Levels, in % of Respondents, 2025
- Global: Adoption of Role-Based Gen AI Training Courses by Organization Size, in % of Respondents, 2024
- 11. AI Risks, Trust, and Ethical Considerations
- Global: Key AI Risk Categories, in % of Respondents, 2025
- Global: Trust Disparities, Explainability Concerns, and Organizational Gaps in AI Adoption, June 2025
- Global: Positive, Neutral, or Negative Impacts of AI Use in the Workplace, in % of Employees, 2025
- 12. Conclusion
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