Sample Report: AI Transformation 2026: Global and Regional Adoption, Enterprise Readiness, and Scaling Challenges in Digital Ptayments & E-Commerce

Regions: Global, Asia-Pacific, North America, Europe, Latin America, Middle East, Africa

Countries Covered: China, Japan, South Korea, India, Australia, Indonesia, Thailand, Vietnam, Malaysia, Philippines, Singapore, Hong Kong, UnitedStates, Canada, United Kingdom, France, Germany, Spain, Italy, Netherlands, Sweden, Poland, Czech Republic, Hungary, Turkey, Saudi Arabia (KSA), United Arab Emirates (UAE), Israel, Brazil, Mexico, Argentina, Nigeria, Kenya, South Africa, Ghana, Taiwan, New Zealand, Qatar, Egypt, Chile, Colombia

Pages: 837

Publication Date: 24.02.2026

Questions covered:

• How is AI adoption transforming digital payments and e-commerce ecosystems globally in 2026?
• Which regions show the highest levels of enterprise readiness and investment in AI-driven commerce and financial services in 2026?
• How are leading payment providers and technology platforms integrating AI in 2026 to improve fraud prevention, customer experience, and transaction efficiency?
• What challenges and risks, such as governance gaps, cybersecurity threats, and ethical concerns, are emerging as AI deployment scales worldwide in 2026?
• What is the projected outlook for AI-driven innovation and competitiveness in digital payments and E-Commerce toward 2030?

Global AI Adoption, Payments Automation, and Regional Readiness Gaps Redefine the Next Phase of Digital Commerce Transformation

Why this matters: As AI becomes embedded into payments, E-Commerce, and enterprise workflows, competitive advantage is increasingly defined by the ability to scale automation, security, and personalization responsibly while addressing governance gaps, talent shortages, and uneven regional readiness.

Key Highlights

• In 2025, 77% of employees globally reported using AI at work, while only 25% of North American firms achieved full enterprise integration, highlighting the gap between widespread usage and scalable operational transformation.

• The global AI in fintech market is forecast to grow from over USD 18 billion in 2025 to nearly USD 55 billion by 2030, reflecting accelerating investment in intelligent payments infrastructure, fraud prevention, and automated financial workflows.

• AI-driven productivity gains are becoming measurable across regions, with 64% of companies in Latin America reporting efficiency improvements, as enterprises increasingly prioritize automation, personalization, and operational resilience in digital commerce environments.

“What we are observing is not a short-term technology cycle, but a structural transformation of payments and commerce,” says Yücel Yelken, Founder and CEO of yStats.com. “AI adoption is widespread, but sustainable advantage will depend on whether organizations can scale responsibly, build trust, and move beyond pilots into fully integrated operating models.”

AI Adoption Moves from Experimentation to Core Enterprise Infrastructure Across Global Commerce

Artificial intelligence has reached mainstream adoption across global workplaces and enterprise environments, supporting automation, customer service optimization, multilingual operations, and operational decision-making. Organizations are increasingly shifting from isolated pilots toward scalable AI platforms designed to improve productivity, security, and resilience. However, enterprise-wide maturity remains uneven, with many firms still operating fragmented deployments rather than fully integrated operating models, reinforcing the gap between adoption levels and measurable transformation outcomes.

Payments Automation, Embedded Finance, and AI Personalization Reshape Global Transaction Ecosystems

AI is accelerating structural change across digital payments and E-Commerce by enabling automated risk management, intelligent fraud detection, and personalized customer journeys. Financial institutions and commerce platforms are shifting from reactive monitoring toward AI-driven security and compliance models, while embedded finance and API-based payment infrastructure are redefining B2B transaction workflows. At the same time, E-Commerce platforms are adopting generative AI tools to enhance product discovery, reduce cart abandonment, and create more dynamic customer experiences, positioning AI as a core driver of both payment innovation and retail performance.

Regional Divergence in Governance, Talent, and Trust Shapes the Future of AI Scaling

Despite strong global adoption momentum, readiness levels vary significantly across regions due to infrastructure capacity, workforce skills, regulatory maturity, and public trust. Europe faces rising AI-driven fraud risks and persistent trust gaps, North America continues to expand adoption amid governance and data challenges, and Asia-Pacific markets accelerate infrastructure investment while navigating security pressures. Emerging markets demonstrate strong adoption ambition but face capability constraints, highlighting how governance frameworks, talent development, and ecosystem depth will determine which regions successfully scale AI-driven commerce in the coming years.

Access the Full Report

For detailed insights into global AI adoption across payments and E-Commerce, enterprise productivity trends, regional readiness dynamics, fraud and governance developments, and the evolving role of AI in digital transaction ecosystems, access AI Transformation 2026: Global and Regional Adoption, Enterprise Readiness, and Scaling Challenges in Digital Payments & E-Commerce. Please contact press@ystats.com for more information.

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Table of content:

1.                 Key Takeaways – Summary of Global and Regional Findings

2.                Management Summary

3.               Global AI Landscape: Markets, Adoption, Business Impact, and Governance Dynamics

3.1.           Global: Key Takeaways

3.2.           Global: 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

•       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

•       Global: Organizations Using AI in at Least One Business Function, in % of Respondents, 2017 - 2025

•       Global: Share of Organizations Using Generative AI in at Least One Business Function, in % of Resp., 2023 -2025

•       Global: AI Maturity Levels Across Organizations, in % of Respondents, June - July 2025

•       Global: AI Maturity Among Organizations with < USD 100 Million in Revenue, in % of Respondents, June -July 2025

•       Global: AI Maturity Among Organizations with USD 100-499 Million in Revenue, in % of Respondents, June -July 2025

•       Global: AI Maturity Among Organizations with USD 500-999 Million in Revenue, in % of Respondents, June -July 2025

•       Global: AI Maturity Among Organizations with USD 1.0-4.9 Billion in Revenue, in % of Respondents, June -July 2025

•       Global: AI Maturity Among Organizations with USD 5 Billion or More in Revenue, in % of Respondents, June- July 2025

•       Global: Share of Organizations Selecting “Innovation” as an Objective of Their AI Initiatives, June - July2025

•       Global: Growth Objectives for AI Efforts, in % of Respondents, June - July 2025

3.2.           Global: AI Market Landscape and Investment Trends (Cont.)

•       Global: Efficiency Objective in AI Efforts Among High Performers vs. All Other Respondents, in % of Respondents, June - July 2025

•       Global: Digital Budget Allocation to AI Among All Respondents vs. AI High Performers, in % of Resp.,June - July 2025

•       Global: AI Best-Practice Importance, by Organizational Practice, in % of Respondents, June - July 2025

•       Global: Share of Organizations Engaging in Selected AI Best Practices, June - July 2025

•       Global: AI-Driven Business Change Expectations in Next 3 Years, in % of Respondents, June - July 2025

3.3.           Global: AI Adoption, Usage, and Organizational Integration

•       Global: AI Use Across One Or More Business Functions, in % of Respondents, 2021 - 2025

•       Global: AI Use Across Two or More Business Functions, in % of Respondents, 2021 - 2025

•       Global: AI Use Across Three or More Business Functions, in % of Respondents, 2021 - 2025

•       Global: AI Use Across Four or More Business Functions, in % of Respondents, 2021 - 2025

•       Global: AI Use Across Five or More Business Functions, in % of Respondents, 2021 - 2025

•       Global: Share of Agentic AI and Gen AI Use Cases/POCs by Industry, in % Respondents, June 2025

•       Global: AI Agent Use by Business Function, in % of Respondents, April 2025

•       Global: Distribution of Agentic AI Use Cases Across Horizontal Business Functions, in % of Resp., June2025

•       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

3.4.           Global: 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

3.5.          Global: 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: Consumers Interest in Agentic AI Use Cases for Payments, in % of Respondents, August 2025

•       Global: Key Consumer Concerns About Agentic AI in Commerce, in % of Respondents, Aug 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

•       Global: Impact of AI on Innovation, in % of Respondents, June - July 2025

•       Global: Impact of AI on Employee Satisfaction, in % of Respondents, June - July 2025

•       Global: Impact of AI on Customer Satisfaction, in % of Respondents, June - July 2025

•       Global: Impact of AI on Competitive Differentiation, in % of Respondents, June - July 2025

•       Global: Impact of AI on Cost Reduction, in % of Respondents, June - July 2025

•       Global: Impact of AI on Profitability, in % of Respondents, June - July 2025

•       Global: Impact of AI on Organic Revenue Growth, in % of Respondents, June - July 2025

•       Global: Impact of AI on Talent Attraction and Retention, in % of Respondents, June - July 2025

•       Global: Impact of AI on Market Share Change, in % of Respondents, June - July 2025

3.6.            Global: 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

3.7.           Global: AI-Driven Business Impact: Revenue and Cost Outcomes

3.7.1.        Revenue Increases from Generative AI

•       Global: Revenue Increases from AI Use in Strategy and Corporate Finance, in % of Respondents, 2025

•       Global: Revenue Increases from AI Use in Supply Chain and Inventory Management, in % of Respondents, 2025

•       Global: Revenue Increases from AI Use in Marketing and Sales, in % of Respondents, 2025

•       Global: Revenue Increases from AI Use in Service Operations, in % of Respondents, 2025

•       Global: Revenue Increases from AI Use in Software Engineering, in % of Respondents, 2025

•       Global: Revenue Increases from AI Use in Product or Service Development, in % of Respondents, 2025

•       Global: Revenue Increase from AI Use in IT, in % of Respondents, 2025

3.7.2.         Cost Reduction from Generative AI

•       Global: Cost Decrease from AI Use in Supply Chain and Inventory Management, in % of Respondents, 2025

•       Global: Cost Decrease from AI Use in Service Operations, in % of Respondents, 2025

•       Global: Cost Decrease from AI Use in Strategy and Corporate Finance , in % of Respondents, 2025

•       Global: Cost Decrease from AI Use in HR , in % of Respondents, 2025

•       Global: Cost Decrease from AI Use in Software Engineering, in % of Respondents, 2025

•       Global: Cost Decrease from AI Use in Risk, Legal, and Compliance, in % of Respondents, 2025

•       Global: Cost Decrease from AI Use in Marketing and Sales, in % of Respondents, 2025

•       Global: Cost Decrease from AI Use in IT, in % of Respondents, 2025

•       Global: Cost Decrease from AI Use in Product or Service Development, in % of Respondents, 2025

•       Global: Cost Decrease from AI Use in Knowledge Management, in % of Respondents, 2025

•       Global: Cost Decrease from AI Use in Manufacturing, in % of Respondents, 2025

3.8.          Global: AI Governance, Strategy, and Enterprise Readiness

•       Global: AI Governance Challenges, Centralized Strategies, and Leadership Roles in Payment Firms, June2025

•       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

3.8.          Global: AI Governance, Strategy, and Enterprise Readiness (Cont.)

•       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

3.9.           Global: 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

•       Global: Senior-Leadership Agreement on Ownership and Commitment to AI Initiatives, in % of Resp., June -July 2025

3.10.         Global: AI Risks, Trust, and Ethical Considerations

•        Global: Key AI Risk Categories, in % of Respondents, 2025

•        Global: AI-Related Risks Prioritized for Mitigation by Organizations, in % of Respondents, June - July 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

•        Global: Agentic AI Uses in Automated Finance, Subscriptions, and Machine-to-Machine Payments, Nov 2025

•        Global: AI Personalization, Fraud Detection Gains, In frast. Constraints, and Compliance Needs, Nov 2025

•        Global: Rising Fraud Losses, CNP Risks, AI-Driven Attacks, and Continuous Risk-Model Updates, Nov 2025

•        Global: AI Deepfakes, Synthetic ID Risks, Data-Siloe Challenges, and Evolving Risk Models, Nov 2025

•        Global: AI Fraud Risks, Blockchain Integrity, Cross-Border Automation, and Regulatory Demands, Nov 2025

4.            APAC AI Landscape: Adoption, Use Cases, Economic Impact, Risk Management, and Governance

4.1.         APAC: Key Takeaways

4.2.          APAC: AI Adoption Landscape & Regional Patterns

4.2.1.        Adoption Benchmarks

4.2.1.1.    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

4.2.1.2.    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

4.2.2.       Seller Segmentation & Barriers

4.2.2.1.    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

4.2.2.2.    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

4.3.        APAC: AI Functional Use Cases & Economic Impact

4.3.1.      E-Commerce Seller Operations

4.3.1.1.   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

4.3.1.2.    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

4.3.2.       Payments & FinTech Use Cases

4.3.2.1.    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, Stable coin Cards, Tokenised Transfers, and Micro-Merchant Access, June 2025

4.3.2.2.    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

4.4.          APAC: AI Risk Management, Trust & Security

4.4.1.       Fraud & Threat Trends

4.4.1.1.    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

4.4.1.2.    Country Spotlights

•        China: Top Concerns About Risks Associated with AI Use, in % of Respondents, Sep - Oct 2024

•        China: Deep Seek 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

4.4.2.       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

4.4.3.       Trust & Readiness

4.4.3.1.    Regional

•        Asia: Intentional Use and Trust of AI at Workby Country, in % of Respondents, Nov 2024 - Jan 2025

•        Asia: Trust and Acceptance of AI Systems byCountry, in % of Respondents, Nov 2024 - Jan 2025

•        APAC: Consumers’ AI Trust by Activity Type, in% of Respondents, 2024

4.4.3.2.    Country Spotlights

•        China & Hong Kong: CEO Trust inIntegrating 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, Nov2024 - Jan 2025

•        China: Regular Use and Trust of AI at Work,Nov 2024 - Jan 2025

•        China: Share of Employees with Required AISkills and Capabilities for Ethical and Legal AI Use, in % of Respondents, Sep- Oct 2024

•        China: Share of Third-Party Partnerships on AISkills Gaps for Ethical and Compliant AI Use, in % of Respondents, Sep - Oct2024

•        Japan: Public Awareness of ArtificialIntelligence, in % of Respondents, Jan 2025 - Apr 2025

•        Japan: Attitudes Toward the Rise of AI inDaily 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 AISkills and Capabilities for Ethical and Legal AI Use, in % of Resp., Sep - Oct2024

•        Japan: Share of Organizations Upskilling Stafffor Ethical and Compliant AI Use, in % of Resp., Sep - Oct 2024

•        Japan: Public Trust in National AI RegulationEffectiveness, in % of Respondents, Jan 2025 - Apr 2025

•        South Korea: Public Awareness of ArtificialIntelligence, in % of Respondents, Jan 2025 - Apr 2025

•        South Korea: Attitudes Toward the Rise of AIin Daily Life, in % of Respondents, Jan 2025 - Apr 2025

•        South Korea: Trust and Acceptance of AISystems, 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 atWork, in % of Respondents, Nov 2024 - Jan 2025

•        South Korea: Share of Employees with RequiredAI Skills and Capabilities for Ethical and Legal AI Use, in % of Resp., Sep -Oct 2024

•        South Korea: Share of Organizations withExternal Hiring for AI Ethics and Compliance Skill Gaps, in % of Resp., Sep -Oct 2024

•        South Korea: Public Trust in National AIRegulation 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 inDaily 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 ofGenAI Platform Integration and Architecture Maturity, in % of Respondents, 2025

4.4.3.2.    Country Spotlights (Cont.)

•        India: Enterprise Data Platform Maturity forGenAI Enablement, in % of Respondents, 2025

•        India: Enterprise Workforce Readiness forGenAI Deployment, in % of Respondents, 2025

•        India: Enterprise Decision-Making Maturity forGenAI Implementation Models, in % of Respondents, 2025

•        India: Share of Employees with Required AISkills and Capabilities for Ethical and Legal AI Use, in % of Resp., Sep - Oct2024

•        India: Share of Organizations with ExternalHiring for AI Ethics and Compliance Skill Gaps, in % of Resp., Sep - Oct 2024

•        India: Public Trust in National AI RegulationEffectiveness, in % of Respondents, Jan 2025 - Apr 2025

•        Australia: Public Awareness of ArtificialIntelligence, in % of Respondents, Jan 2025 - Apr 2025

•        Australia: Attitudes Toward the Rise of AI inDaily 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 atWork, in % of Respondents, Nov 2024 - Jan 2025

•        Australia: Share of Employees with Required AISkills and Capabilities for Ethical and Legal AI Use, in % of Resp., Sep - Oct2024

•        Australia: Share of Organizations UpskillingStaff for Ethical and Compliant AI Use, in % of Resp., Sep - Oct 2024

•        Australia: Public Trust in National AIRegulation Effectiveness, in % of Respondents, Jan 2025 - Apr 2025

•        Taiwan: Share of Employees with Required AISkills and Capabilities for Ethical and Legal AI Use, in % of Resp., Sep - Oct2024

•        Taiwan: Share of Organizations with ExternalHiring for AI Ethics and Compliance Skill Gaps, in % of Resp., Sep - Oct 2024

•        Hong Kong & Global: CEO Trust inIntegrating AI into Core Business Processes, in % of Resp., 2025

•        New Zealand: Trust and Acceptance of AISystems, 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 atWork, in % of Respondents, Nov 2024 - Jan 2025

•        New Zealand: Share of Employees with RequiredAI Skills and Capabilities for Ethical and Legal AI Use, in % of Resp., Sep - Oct2024

•        New Zealand: Share of Third-Party Partnershipson AI Skills Gaps for Ethical and Compliant AI Use, in % of Resp., Sep - Oct2024

4.4.4.       Regulation & Compliance

4.4.4.1.    Regional

•        Asia: Cyber Defence, Identity Risk Managementand Compliance Automation via AI, April 2025

•        APAC: Financial Crime Regulation, SyntheticIdentity Laundering, and AI Compliance Strategy, July 2025

4.4.4.2.    Country Spotlights

•        China: Views on the Need for AI Regulation, in% of Respondents, Nov 2024 - Jan 2025

•        China: Adequacy of AI Regulation and Laws forSafe Use, in % of Respondents, Nov 2024 - Jan 2025

•        China: National AI Roadmap, Industry StandardsSystem, and Multi-Level Governance Structure, Nov 2025

•        China: National Crackdown on Deepfakes, AIFraud, and Unregistered Platforms, Oct 2025

•        China: Top Expected Benefits of Effective AIGovernance, 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 forSafe Use, in % of Respondents, Nov 2024 - Jan 2025

•        Japan: Top Expected Benefits of Effective AIGovernance, in % of Respondents, Sep - Oct 2024

•        South Korea: Views on the Need for AIRegulation, in % of Respondents, Nov 2024 - Jan 2025

•        South Korea: Adequacy of AI Regulation andLaws for Safe Use, in % of Respondents, Nov 2024 - Jan 2025

•        South Korea: Top Expected Benefits ofEffective 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 forSafe Use, in % of Respondents, Nov 2024 - Jan 2025

•        India: Top Expected Benefits of Effective AIGovernance, in % of Respondents, Sep - Oct 2024

•        Australia: Views on the Need for AIRegulation, in % of Respondents, Nov 2024 - Jan 2025

•        Australia: Adequacy of AI Regulation and Lawsfor Safe Use, in % of Respondents, Nov 2024 - Jan 2025

•        Australia: Top Expected Benefits of EffectiveAI Governance, in % of Respondents, Sep - Oct 2024

•        Taiwan: Top Expected Benefits of Effective AIGovernance, in % of Respondents, Sep - Oct 2024

•        New Zealand: Views on the Need for AIRegulation, in % of Respondents, Nov 2024 - Jan 2025

•        New Zealand: Adequacy of AI Regulation andLaws for Safe Use, in % of Respondents, Nov 2024 - Jan 2025

•        New Zealand: Top Expected Benefits ofEffective AI Governance, in % of Respondents, Sep - Oct 2024

4.5.          APAC: Competitive Landscape & Strategic AI Movement

4.5.1.       Market Scale & Activity

4.5.1.1.    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

4.5.1.2.    Country Spotlights

•        China & Hong Kong: CEO Reports ofWorkforce Changes from AI Adoption, in % of Respondents, 2025

•        China & Hong Kong: CEO Expectations for AIIntegration in Workforce and Skills in Next 3 Years, in % of Respondents, 2025

•        Japan: AI Market Value, Sectoral Adoption, andGovernance Framework under the 2025 AI Promotion Act, Oct 2025

•        Hong Kong & Global: CEO Reports ofWorkforce Changes from AI Adoption, in % of Resp., 2025

•        Hong Kong & Global: CEO Expect. for AIIntegration in Workforce and Skills in Next 3 Years, in % of Resp., 2025

4.5.2.       Strategic Moves by Key Players

4.5.2.1.    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

4.5.2.2.    Country Spotlights

•        China: Alibaba’s AI Investment Strategy, CloudExpansion, 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 CloudInvestments, 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 AdvertisingAcross E-Commerce and Social Media Platforms, Nov 2025

•        China: Alipay Tap!’s User Growth, SMEInvestment, and AI-Powered Healthcare Integration, Nov 2025

•        China: Long-Context Chatbot Development, ModelScaling, and Generative AI Competition, Oct 2025

•        China: Ling-1T Model Performance, AI EcosystemDevelopment, and Strategic Fintech Integration, Oct 2025

•        China: Zhipu AI’s GLM Architecture, ProductEcosystem, and Cross-Border Funding, Oct 2025

4.6.          APAC: AI Governance, Regulation & Innovation Enablers

4.6.1.       Public & Private Sector AI Initiatives

4.6.1.1.    Regional

•        Asia: Public & Private Drivers of AI Governance,Infrastructure and Experimentation in Finance, 2025

•        Asia: AI Sandboxes and Capacity-BuildingPrograms in Four Economies, 2025

•        Asia: AI-Focused Regulatory Sandboxes andInnovation Hubs in Four Financial Markets, 2025 (1 of 2)

•        Asia: AI-Focused Regulatory Sandboxes andInnovation Hubs in Four Financial Markets, 2025 (2 of 2)

4.6.1.2.    Country Spotlights

•        China: Expansion of AI Infrastructure, DataCenters, 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 EnergyFocused on Productivity and Green Innovation, Nov 2025

•        China: Government Venture Funds, SubsidyPrograms, and Uni.-Linked AI Innovation Networks, Oct 2025

•        China: AI+ Strategy, Education and DataInitiatives, and Policy Priorities, Oct 2025

•        China: Rapid AI Model Expansion, Rising In frastructure Investment, and Labor Market Imbalance, Nov 2025

•        Japan: Government Planning for Domestic AIDevelopment, Infrastructure, and Economic Impact, Oct 2025

•        Japan: AI Infrastructure, Skills Training,Research Collaboration, and Cybersecurity Cooperation, Oct 2025

•        South Korea: Private AI Investment, GovernmentIncentives, and Public-Private Funding Model, Oct 2025

•        South Korea: AI Infrastructure Funding, DataAccess, and Cluster Development, Oct 2025

•        South Korea: GPU Expansion, National AIComputing Center Development, Domestic AI Chip Support, Oct 2025

4.6.2.        AIInnovation Frameworks

4.6.2.1.    Regional

•        Asia: AI Innovation Facilitators, FinancialInclusion, Regulatory Insight and Risk Management, 2025

•        Asia: Regulatory Frameworks for AI Innovation,Market Fit, Coordination, and Expertise, 2025

•        Asia: Design, Resource, and Oversight Barriersof AI Innovation Facilitators in Financial Markets, 2025

•        Asia: Development of AI ExperimentationPlatforms and Governance  Across MultipleSect., 2025 (1 of 2)

•        Asia: Development of AI ExperimentationPlatforms and Governance  Across MultipleSect., 2025 (2 of 2)

•        APAC: AI Strategy in Anti-Financial Crime,Predictive Capabilities, and Governance Priorities, July 2025

•        SEA: Infrastructure, Talent, and RegulatoryBarriers Impacting AI Adoption, April 2025

•        SEA: Sectoral and Country-Level AIContributions to Economic Growth, April 2025

4.6.2.2.    Country Spotlights

•        China: AI Research Output, Patent Leadership,and Data-Driven Innovation Expansion, Oct 2025

•        China: Generative AI Adoption, PatentLeadership, and Automated Monitoring Use, Oct 2025

•        China: Unified Computing System, DataGovernance Frameworks, and Industrial AI Strategy, Oct 2025

•        China: Data Generation, Accessibility, andPublic-Private AI Collaboration, Oct 2025

•        China: AI Talent Production, Retention, andInstitutional Development, Oct 2025

•        China: Generative-AI Leaders, Benchmark Gains,and Open-Source Model Growth, Oct 2025

•        China: Fragmented AI Data Systems, LimitedHigh-End Talent, and Uneven Industrial Integration, Nov 2025

•        China: Integration of AI Development, DigitalCurrency Infrastructure, and Trade Systems, Oct 2025

•        Japan: AI Promotion Act, Strategy Center, andGovernance Framework for Responsible Innovation, Oct 2025

•        Japan: AI Responsibilities, EthicalGuidelines, 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

5.            North America AI Landscape: Adoption, Use Cases, Economic Impact, RiskManagement, and Governance

5.1.         North America: Key Takeaways

5.2.         North America: AI Adoption Landscape & Regional Patterns

5.2.1.       Adoption Benchmarks

5.2.1.1.    Regional

•        North America: Functional Deployment ofGenerative AI, in % of Respondents, Feb – Mar 2025

•        North America: Organizational Maturity Levelsof Generative AI Adoption, in % of Resp., 2024 & 2025

•        North America: Status of Organizational AIStrategy Development, in % of Respondents, Feb. – Mar 2025

•        North America: Organizational Readiness toImplement Generative AI, in % of Resp., Feb – Mar 2025

5.2.1.2.    U.S.

•        U.S.: Organizational AI Adoption, in % ofRespondents, 2024 – 2025

•        U.S.: Agentic AI Deployment by BusinessFunction, in % of Respondents, 2024 & 2025

•        U.S.: Employee Use of AI at Work by Frequency,in % of Respondents, 2023 – 2025

•        U.S.: Using AI in the Past Six Months vs.Daily Among Adults, in % of Respondents, April 2025

•        U.S.: AI Usage by Task Type in Daily LifeAmong Adults, in % of Respondents, April 2025

•        U.S.: AI Usage by Task Type Among Adults, in %of Resp. Routinely Performing Each Activity, April 2025

•        U.S.: AI Investment Plans Among MidsizeCompanies and Private Equity Firms, in % of Respondents, 2023 & 2024

5.2.1.3.    Canada

•        Canada: Organizational GenAI Experiments andStage of Adoption, in % of Respondents, Jan – Feb 2025

•        Canada: Use of Generative AI at Work andFrequency Among Users, in % of Respondents, August 2024

•        Canada: Generative AI Adoption by Province, in% of Respondents, 2023 & 2024

5.2.2.       Seller Segmentation & Barriers

5.2.2.1.    Regional

•        North America: Key Barriers to Generative AIAdoption, in % of Respondents, Feb – Mar 2025

•        North America: Planned Changes in AI Budgets,in % of Respondents, Feb – Mar 2025

5.2.2.2.    U.S.

•        U.S.: Leading Barriers to Generative AIAdoption, in % of Respondents, Jul – Dec 2024

•        U.S.: Main Barriers to Responsible AIInvestment, in % of Respondents, April 2024

•        U.S.: Leading Barriers to Agentic AI Adoption,in % of Respondents, 2024 & 2025

•        U.S.: C-Suite Perceptions of GenAI ToolDevelopment and Release Pace, in % of Respondents, Oct – Nov 2024

•        U.S.: Top C-Suite Perceived Reasons for SlowGenAI Tool Development, in % of Respondents, Oct – Nov 2024

•        U.S.: Presence and Type of Benchmark Standardsfor GenAI Tools, in % of Respondents, Oct – Nov 2024

•        U.S.: C-Suite Assessment of OrganizationalGenerative AI Maturity Levels, in % of Resp., Oct – Nov 2024

•        U.S.: GenAI Performance Satisfaction AmongOrg. with Met or Exceeded Expectations, in % of Resp., Dec 2024

•        U.S.: Recommendation and Successful Resolutionof GenAI Tools, in % of Respondents, Oct – Nov 2024

•        U.S.: Top Reasons GenAI Fell Short ofExpectations, in % of Resp. by Devel. and Prod. Stage, 2023 – 2024

•        U.S.: Using and Interacting With AI Daily byGeneration, in % of Respondents, April 2025

•        U.S.: Using and Interacting With AI Daily byEmployment Status, in % of Respondents, April 2025

•        U.S.: Using and Interacting With AI Daily byIncome Group, in % of Respondents, April 2025

•        U.S.: Frequent Employee Use of AI at Work byRole, in % of Respondents, 2023 – 2025

•        U.S.: Extensive Generative AI Familiarity byEmployee Age Group, in % of Respondents, Oct – Nov 2024

•        U.S.: Comfort With Generative AI at Work byEmployee Age Group, in % of Respondents, Oct – Nov 2024

•        U.S.: Provision of Feedback on Generative AITools by Employee Age Group, in % of Respondents, Oct – Nov 2024

•        U.S.: Interest in Participation in GenAI ToolDesign by Employee Age Group, in % of Respondents, Oct – Nov 2024

•        U.S.: Expectations on AI’s Impact in MidsizeCompanies and Private Equity Firms, in % of Respondents, 2023 & 2024

5.2.2.3.    Canada

•        Canada: Use of Public vs. Private GenerativeAI Tools at Work, in % of Respondents, August 2024

•        Canada: Planned GenAI Deployment Methods andImplementation Teams, in % of Resp., Jan – Feb 2025

5.3.          North America: AI Functional Use Cases & Economic Impact

5.3.1.       E-Commerce Seller Operations

•        U.S.: AI, AR, Blockchain, Mobile Commerce, andSocial Commerce in B2C E-Commerce, April 2024

•        U.S.: GenAI Usage by Use Case Among Agencies,in % of Respondents, June 2024

•        U.S.: Expected Areas of GenAI Impact WithinAgencies, in % of Respondents, June 2024

•        U.S.: Share of Retail Decision Makers Who FeelReady to Deploy Generative AI Technology in 2024, in %, November 2023

•        Canada: Top Generative AI Use Cases at Work,in % of Respondents, August 2024

5.3.2.        Payments & FinTech Use Cases

•        North America: Most Appealing AI Use Cases inFinancial Services, in % of Respondents, 2024

•        U.S.: AI Use in Finance by Function,Leadership Role, and Governance Priorities, June 2025

•        U.S.: AI-Driven Fraud Prevention,Personalization, and Governance in Payments, August 2025

•        U.S.: AI-Driven Shopping Capabilities, VirtualCard Integration, and Adoption Barriers in Payments, Aug 2025

•        U.S.: Agentic AI Transaction Execution,Operational Applications, and Secure Payments, August 2025

•        U.S.: Top AI Use Cases Including PaymentAutomation and Fraud Detection, in % of Respondents, 2023 & 2024

•        U.S.: Leadership Roles Driving AI Adoption inFinancial Processes, in % of Respondents, 2023 & 2024

•        U.S.: Share of CFOs Who Say AI Has ReducedTheir Need for Lower-Skill Workers, in %, February 2024

•        U.S.: Share of CFOs Who Say AI Has IncreasedTheir Need for More Analytically Skilled Workers, in %, February 2024

•        U.S.: Areas Where AI Has Increased vs.Decreased the Need for Higher- vs. Lower-Skilled Workers, by Task Complexity,in % of CFOs, February 2024

5.4.          North America: AI Risk Management, Trust & Security

5.4.1.       Fraud & Threat Trends

•        U.S.: Job Cut Announcements, Impact of AI andEconomic Pressures, in Number of Cuts, 2024 & 2025

•        U.S.: Tech Sector Job Cuts, Impact of AI andAutomation, in Number of Cuts, 2024 & 2025

5.4.2.        Trust& Readiness

•        U.S.: Employee Concerns About Generative AIRisks, in % of Respondents, Oct – Nov 2024

•        U.S.: Top Reported Benefits from Responsible AI Investment, in % of Respondents, April 2024

•        U.S.: Fully Implemented Responsible AI Capabilities for AI and GenAI, in % of Companies, April 2024

•        U.S.: Employees and C-Suite Usage ofGenerative AI for Over 30% of Daily Tasks, in % of Resp., Oct – Nov 2024

•        U.S.: Factors for Increased Daily GenAI UsageAmong Employees, in % of Respondents, Oct – Nov 2024

•        U.S.: Perceived Level of OrganizationalSupport for GenAI Capability Building, in % of Resp., Oct – Nov 2024

•        U.S.: Share of CFOs That Say Their Access toAI Technology Is Very or Extremely Important, in %, February 2024

•        U.S.: Share of CFOs That Say the AI AutomationThay Are Now Using to Support Their AP Cycle Is Not at All or Only SlightlyImportant, in %, February 2024

•        Canada: Employee-Reported Workplace Policieson GenAI Use, in % of Respondents, August 2024

•        Canada: Generative AI Training Readiness, in %of Respondents, Jan – Feb 2025

5.4.3.       Regulation & Compliance

•        U.S.: Primary Drivers of Responsible AIInvestment, in % of Respondents, April 2024

•        U.S.: Top Reasons for Not Using AI, in % ofRespondents, in % of Non-Adopting Respondents, April 2025

•        Canada: Top Reasons for Not Using GenerativeAI at Work, in % of Respondents, August 2024

5.5.          North America: Competitive Landscape & Strategic AI Movement

5.5.1.       Market Scale & Activity

•        U.S.: Average AI Budgets by Company RevenueSegment, in USD millions, Feb 2024 & Dec 2024

•        U.S.: Average AI Use Cases in Production, inNumber of Use Cases, Oct 2023 & Dec 2024

•        U.S.: Positive ROI by AI Budget Allocation andBusiness Function, in % of Respondents, 2024 & 2025

•        U.S.: Positive ROI from AI by Business Areaand Survey Wave, in % of Respondents, 2024 & 2025

•        U.S.: Presence and Maturity of GenAI Road MapsAmong C-Suite Leaders, in % of Respondents, Oct – Nov 2024

•        U.S.: Revenue-Generating GenAI Use CaseIdentification by C-Suite Leaders, in % of Respondents, Oct – Nov 2024

•        U.S.: C-Suite Perception of Revenue Changesfrom Generative AI, in % of Respondents, Oct – Nov 2024

•        U.S.: C-Suite Perception of Cost Changes fromGenerative AI, in % of Respondents, Oct – Nov 2024

•        U.S.: C-Suite Expectations for GenAI RevenueGrowth Over the Next 3 Years, in % of Resp., Oct – Nov 2024

•        U.S.: Share of Total Potential Economic Valuefrom GenAI by Business Function, in % of Resp., Oct – Nov 2024

•        U.S.: Leading AI Assistants by Provider, in %of Respondents, April 2025

•        Canada: SMBs’ AI Investment Plans andPriorities, in % of Respondents, January 2025

•        Canada: AI Adoption Rates, CompetitivePositioning, and Sectoral Strengths, August 2025

5.5.2.       Strategic Moves by Key Players

•        U.S.: AI Capital Expenditures and LeadingTechnology Firms, September 2025

•        U.S.: AI Infrastructure Scaling and InvestorConfidence, September 2025

5.6.          North America: AI Governance, Regulation & Innovation Enablers

5.6.1.       Regional Public & Private Sector AI Initiatives

•        North America: Top Internal Strategies toTrack AI Regulatory Changes, in % of Resp., Feb – Mar 2025

•        North America: Top External Strategies toTrack AI Regulatory Changes, in % of Resp., Feb – Mar 2025

5.6.2.       U.S. AI Innovation Frameworks

•        U.S.: AI Infrastructure Development,Diplomatic Engagement, and Value-Based Export Strategy, August 2025

6.             Europe AI Landscape Adoption, Use Cases, Economic Impact, RiskManagement, and Governance

6.1.          Europe: Key Takeaways

6.2.          Europe: AI Adoption Landscape & Regional Patterns

6.2.1.       Regional Adoption Benchmarks

•        Northern & Western Europe: Adoption of AIby Country, in % of Respondents Reporting Regular Use, Nov 2024 - Jan 2025

•        Southern & Eastern Europe: Adoption of AIby 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

6.2.2.       Seller Segmentation & Barriers 

•        Europe: Lag in Generative AI Adoption, ITInvestment Deficit, and Infrastructure Limitations, July 2025

•        Europe: AI Reskilling Targets, TalentRetention Issues, and Compliance Barriers, July 2025

6.3.         Europe: AI Functional Use Cases & Economic Impact

6.3.1.       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

6.3.2.       Payments & FinTech Use Cases

•        Europe: AI-Driven Payment Automation, FraudDetection, 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, andDigital Euro Integration, July 2025

•        Europe: AI-Driven MCA Growth, PSPConsolidation, and Regulatory Alignment via PSD3, July 2025

•        Europe: Digital Euro, MiCA Regulation,Innovation Framework, and AI-Driven Payments, July 2025

6.4.           Europe: AI Risk Management, Trust & Security

6.4.1.        Fraud & Threat Trends

•        Europe: AI Fraud Prevention, BiometricAuthentication, and Tokenized Checkout Solutions, July 2025

•        Europe: Deepfakes, Synthetic Identities, andOnboarding Manipulation in AI-Driven Payments, July 2025

•        Europe: Multi-Channel Deception, AIDisinformation, and Detection Strain in Fraud Landscape, July 2025

6.4.2.       Detection Tools & Risk Models

•        Europe: Fraud Prevention, Chatbot Automation,Personalization, and Process Efficiency, July 2025

•        Europe: AI Use Cases in Risk and ComplianceFunctions, in % of Respondents, Aug - Sep 2024

6.4.3        Trust & Readiness

•        Europe: Personal and Work Adoption of TopGenerative AI Use Cases, in % of Respondents, June - Aug 2024

•        Europe: Employee Views on Generative AI’sWorkplace Outcomes, in % of Respondents, June - Aug 2024

•        Europe: Top Public Concerns About GenerativeAI 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 JobDisplacement by Country, in % of Respondents, June 2025

•        Europe: AI Agent Integration into OperationalWorkflows by Country, in % of Companies, June 2025

•        Northern & Western Europe: Trust andAcceptance of AI by Country, in % of Respondents, Nov 2024 - Jan 2025

•        Southern & Eastern Europe: Trust andAcceptance of AI by Country, in % of Respondents, Nov 2024 - Jan 2025

•        Northern & Western Europe: Views of AIBenefits Over Risks, in % of Respondents by Country, Nov 2024 - Jan 2025

•        Southern & Eastern Europe: Views of AIBenefits Over Risks, in % of Respondents by Country, Nov 2024 - Jan 2025

•        Northern & Western Europe: Regular Use andTrust of AI at Work by Country, in % of Respondents, Nov 2024 - Jan 2025

•        Southern & Eastern Europe: Regular Use andTrust 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 ofGenAI Among Business Leaders, in % of Resp., September 2024

•        Germany & Nordics: Concerns andExperimentation Levels in GenAI Adoption, in % of Resp., September 2024

•        Netherlands & Nordics: Perceived Barriersand Trust Levels in GenAI Adoption, in % of Resp., September 2024

6.4.4.       Regulation & Compliance

•        Northern & Western Europe: Share Citing aNeed for AI Regulation by Country, in %of Respondents Nov 2024 - Jan 2025

•        Southern & Eastern Europe: Share Citing aNeed for AI Regulation by Country, in %of Respondents Nov 2024 - Jan 2025

•        Europe: GPAI-Driven Consumer Risks fromAccountability Gaps, Data Bias, and Manipulation, July 2025

•        Europe: Institutional, Regulatory, andTechnical Obstacles to AI Integration, July 2025

•        Europe: GPAI Explainability Limits, ICT Risks,and Talent Shortages in Banking Sector, July 2025

•        Europe: AI Transparency, Third-PartyOversight, ICT Risk , and Ethical Use Requirements, July 2025

•        Europe: AI Act Risk Model, E-CommerceAdoption, and Early Implementation via AI Pact, July 2025

6.5.          Europe: Competitive Landscape & Strategic AI Movement

6.5.1.       Market Scale & Activity

•        Europe: Gen AI Productivity Gains, ModelDeficit, Infrastructure Gaps, and Energy Demand, July 2025

•        Europe: AI Semiconductor Design, CloudInfrastructure, Raw Material Supply, July 2025

6.5.2.       Strategic Moves by Key Players

•        Europe: Advancing AI Governance ThroughFunding, Regulation, and Innovation, July 2025

•        Europe: Cloud Dependency, Modular AIArchitecture, and Strategic Investment Priorities, July 2025

6.5.3.        AIGovernance, Regulation & Innovation Enablers

•        Europe: AI Act, Regulatory Sandboxes, TestingEnvironments, and Data Space Strategy, July 2025

6.6.          Europe Country Spotlights: AI National Insights & StrategicChallenges

6.6.1.        UK

•        Deepfake Scams, Fintech Vulnerabilities, andEnforcement Gaps in AI-Driven Fraud, July 2025

•        Executive Impersonation and Cross-Border Risksin AI-Driven Corporate Fraud, July 2025

6.6.2.        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 AmongEnterprises, in % of Respondents, 2024 & 2025

•        Top Barriers to Trusted AI ImplementationAmong Enterprises, in % of Respondents, March 2025

•        eCrime Threat Vectors in Digital Systems, in %of Respondents, May 2024

6.6.3.        France

•        GenAI Confidence, Regulatory Clarity, TalentGaps, and Infrastructure Limitations, July 2025

•        Top GenAI Adoption Inhibitors vs. GlobalBaseline, in % Point Difference, January 2025

6.6.4.       Spain

•        Structural Barriers to AI Adoption, SMELimitations, and Fragmented Digital Strategy, July 2025

•        Company Focus on Tech Investment and StrategicDigital Transformation, in % of Respondents, July 2025

6.6.5.        Poland

•        Institutional Gaps, SME Resistance, and AIBarriers in Competitiveness Context, July 2025

•        AI Investment Perception by Company Size, in %of Respondents, June 2025

7.            Middle East AI Landscape: Adoption, Use Cases, Economic Impact, RiskManagement, and Governance

7.1.         Middle East: Key Takeaways

7.2.         Middle East: AI Adoption Landscape & Regional Patterns

7.2.1.       Regional Adoption Benchmarks

•        Middle East: Organizational AI AdoptionSpeeds, in % of Respondents, Oct–Dec 2024

•        Middle East: AI Implementation Levels byBusiness Function, in % of Respondents, Oct–Dec 2024

•        GCC & Middle East: Companies’ GenAIAdoption, in % of Respondents, October-November 2024

•        GCC: GenAI Adoption by Business Function, in %of Respondents, May 2024

•        GCC & Mid. East: Expectations for ProfitImpact of GenAI, in % of Resp. Anticipating Net Increase, Oct-Nov 2024

•        GCC & Mid. East: Net Increase from GenAIAdop. Across Five Business Metrics, in % of Resp.,Oct-Dec 2024

7.2.2.       Seller Segmentation & Barriers 

•        Middle East: Barriers to AI Development andDeployment, in % of Respondents, Oct-Dec 2024

•        Saudi Arabia & UAE: Barriers toAccelerating GenAI Adoption, in % of Organizations, August 2024

•        Middle East: Challenges in Attracting AITalent by Country, in % ofRespondents, Oct-Dec 2024

•        Middle East: Linguistic Barriers, Cloud Gaps,Talent Cost Pressures, and Regulatory Challenges, July 2025

•        Middle East: Budget Overruns, FinancialPlanning Deficits, and AI Project Termination Risks, July 2025

•        Saudi Arabia & UAE: Data-Related BarriersSlowing AI Adoption in Finance, in % of Org., August 2024

•        Saudi Arabia & UAE: Data-Related BarriersSlowing AI Adoption in Retail & Wholesale, in % of Org., Aug. 2024

•        Saudi Arabia & UAE: Data-Related BarriersSlowing AI Adoption in Hospitality & Accommodation, in % of Org., August2024

•        Saudi Arabia & UAE: Data-Related BarriersSlowing AI Adoption in Media, Entertainment & Gaming, in % of Org., August2024

•        Saudi Arabia & UAE: Data-Related BarriersSlowing AI Adoption in Government, in % of Org., August 2024

7.2.3.        Regional Country Deep Dive

•        Saudi Arabia: GenAI Readiness, InfrastructureScale-Up, and Sector-Specific Application Rollout, July 2025

•        Saudi Arabia: Leading GenAI Use Cases byApplication Type, in % of Respondents, Oct-Dec 2024

•        Saudi Arabia: GenAI Risks in Data, Labor,Society, Sovereignty, and AI Integrity, July 2025

•        UAE: Leading GenAI Use Cases by ApplicationType, in % of Respondents, Oct-Dec 2024

•        UAE: AI Integration Across Aviation, Retail,Financial Services, Logistics, and Telecommunications, July 2025

•        UAE: AI-Driven Operational Scaling, AnalyticsDeployment, and Capability Development, July 2025

•        UAE: AI Talent Development via YouthInitiatives, Workforce Reskilling, and Institutional Support, July 2025

•        UAE: Strategic Partnerships, ScalableInfrastructure, and Innovation in National AI Landscape, July 2025

•        UAE: Centennial 2071 Vision, Interagency AIExecution, and Adaptive Digital Regulation, July 2025

•        Qatar: AI Market Value, in QAR billions, 2024e& 2030f

•        Qatar: AI Investments, Localized LanguageTools, Urban Tech Initiatives, and SME Support, July 2025

•        Qatar: Leading GenAI Use Cases by ApplicationType, in % of Respondents, Oct-Dec 2024

7.3.           Middle East: AI Functional Use Cases & Economic Impact

7.3.1.        E-Commerce Seller Operations

•        Middle East: GenAI Efficiency, Cloud-EnabledScalability, and Data Localization Compliance, July 2025

•        Middle East: Top AI Applications in DailyOperational Use, in % of Respondents, Oct–Dec 2024

7.3.2.        Payments & FinTech Use Cases

•        MENA: AI-Driven Personalization, RiskManagement, and National Investment in Financial Services, July 2025

•        MENA: AI-Driven Personalization, Risk, FraudDetection, and Compliance in Financial Services, July 2025

•        Middle East: GenAI in Fraud Detection, Risk,Customer Engagement, and Financial Automation, July 2025

•        Middle East: GenAI Automation, Service Gains,and Talent Gaps in Financial Sector Strategy, July 2025

•        Saudi Arabia & UAE: Current & FutureGen AI Investment Plans by Business Function, in % of Org.,  Aug. 2024

•        Saudi Arabia & UAE: Gen AI InvestmentAllocation, in % of Organizations, August 2024

7.4.          Middle East: AI Risk Management, Trust & Security

7.4.1.        Fraud & Threat Trends

•        GCC: Top Risks of Generative AI Adoption, in %of Respondents, Aug–Sep 2024

•        Middle East: AI-Related Operational ThreatLevels by Country, in % ofRespondents, Oct–Dec 2024

7.4.2.        Detection Tools & Risk Models

•        Middle East: AI-Powered Financial ThreatDetection, TPRM Pilots, and Infrastructure Security, July 2025

•        Middle East: AI Risk Management Measures, in %of Respondents, Oct–Dec 2024

7.4.3        Trust & Readiness

•        Middle East: AI Preparedness Levels byOrganizational Areas, in % of Respondents, Oct–Dec 2024

•        Saudi Arabia & UAE: Availability Status ofResponsible AI Policies, in % of Respondents, August 2024

7.4.4.       Regulation & Compliance

•        Middle East: AI Value Measurement Practices byCountry, in % of Respondents, Oct–Dec 2024

•        MENA: AI Regulation in Finance via EthicsPrinciples, Data Laws, and Innovation Sandboxes, July 2025

7.5.          Middle East: Competitive Landscape & Strategic AI Movement

7.5.1.       Market Scale & Activity

•        MENA: AI-Driven IT Spending Growth, in USDbillions, 2024 & 2025f

•        META: AI Spending and Growth Outlook, in USDBillions, 2024 & 2028f

•        MENA: Projected GDP Share from AI vs. OtherSources, in % of Total GDP, 2030e

7.5.2.       Strategic Moves by Key Players

•        Middle East: GenAI Integration, Arabic LLMGrowth, Sector Adoption, and Enterprise AI Strategy, July 2025

•        Saudi Arabia & UAE: Most Strategic GenAITechnology Partners by Type, in % of Respondents, Aug 2024

7.6.          Middle East: AI Governance, Regulation & Innovation Enablers

7.6.1.       Public & Private Sector AI Initiatives

•        GCC: GenAI Economic Impact, Top Use Cases,Strategic Enablers, and Deployment Barriers, July 2025

•        Saudi Arabia & UAE: Awareness of KeyGovernment-Led AI Initiatives, in % of Respondents, Aug 2024

7.6.2.       Regional AI Innovation Frameworks

•        Middle East: Data Capability Enhancements forAI, in % of Respondents, Oct–Dec 2024

•        GCC: AI Strategies, InfrastructureDevelopment, and Capability Gaps by Maturity Segment, July 2025

•        GCC: Country-Level AI Progress in Investment,Infrastructure, and Capability Building, July 2025

•        Saudi Arabia & UAE: AI InvestmentPriorities by Value Chain Segment, in % of Respondents, Aug 2024

8.             Latin America AI Landscape: Adoption, Use Cases, Economic Impact, RiskManagement, and Governance

8.1.          Latin America: Key Takeaways

8.2.          Latin America: AI Adoption Landscape & Regional Patterns

8.2.1.       Adoption Benchmarks

8.2.1.1.    Regional

•        Latin America & Global: AI Adoption byEnterprise Use Cases, in % of Respondents, 2024

•        Latin America & Global: Perceived BusinessImpact of Generative AI, in % of Companies, 2023 & 2024

•        Latin America & Global: AI Delivery TeamImplementation, in % of Companies, 2023 & 2024

•        Latin America & The Caribbean: JobCategories by Exposure to GenAI, in % of Respondents, April 2025

•        Latin America & The Caribbean: JobCategories by Productivity Potential from GenAI, in % of Resp., Apr 2025

•        Latin America & The Caribbean: JobCategories by Automation Risk from GenAI, in % of Resp., April 2025

•        Latin America & The Caribbean: WorkforceDistribution by GenAI Exposure, in % of Resp., April 2025

•        Latin America: Share of Organizations Using AITools Across Business Functions, in % of Resp., 2024

•        Latin America: Perceived Impact of AI ToolsAcross Business Functions, in % of Respondents, 2024

•        Latin America: Adoption of AI-Based BusinessSolutions, in % of Companies, Jan 2025

•        Latin America: Stage of AI Adoption inOrganizations, in % of Respondents, 2025

•        Latin America: Approaches to AI CapabilityDevelopment, in % of Respondents, 2025

•        Latin America: Share of Latitud FellowshipCompanies Identifying as AI-centric or AI-enabled, in % of Resp., 2022-2023& H1 2024

•        Latin America: Founders’ Views on AITransformative Force for Business and Society, in % of Resp., 2024

•        Latin America: Founders’ Expectations of AIImpact on Cost Reduction and Revenue Growth, in % of Resp., 2024

•        Latin America: Founders’ Perceptions of AIMarket Expectations, in % of Respondents, 2024

•        Latin America: Founders’ Views on AI Hype andInvestor Overexpectations, in % of Respondents, 2024

•        Latin America: Generative AI Adoption in TechCompanies, in % of Respondents, 2024

•        Latin America: Adoption of AI Frameworks byProvider, in % of Respondents, Mar-Apr 2025

•        Latin America: Number of AI FrameworksAdopted, in % of Respondents, Mar-Apr 2025

•        Latin America: Expected Impact of AI onWorkforce, in % of Respondents, Mar-Apr 2025

8.2.1.1.    Regional (Cont.)

•        Latin America: Main Drivers of AI Adoption, in% of Respondents, Jan 2025

•        Latin America: Main Drivers of ExcitementAbout AI Adoption, in % of Respondents, 2025

•        Latin America: Good Understanding of AI byCountry, in % of Respondents, Aug-Sep 2024

•        Latin America: Use of AI Tools in Daily Lifeby Country, in % of Respondents, Aug-Sep 2024

8.2.1.2.    Country Spotlights

•        Brazil: Population Familiarity with AI, in %of Respondents, 2024

•        Brazil: Corporate Perceptions of AI forAutomation and Efficiency, in % of Respondents, Jan 2025

•        Mexico: Corporate Perceptions of AI forAutomation and Efficiency, in % of Respondents, Jan 2025

•        Colombia: Corporate Perceptions of AI forAutomation and Efficiency, in % of Respondents, Jan 2025

•        Chile: Corporate Perceptions of AI forAutomation and Efficiency, in % of Respondents, Jan 2025

•        Argentina: Corporate Perceptions of AI forAutomation and Efficiency, in % of Respondents, Jan 2025

•        Brazil: Corporate Expectations of AI’s Impacton Industry, in % of Respondents, Jan 2025

•        Mexico: Corporate Expectations of AI’s Impacton Industry, in % of Respondents, Jan 2025

•        Colombia: Corporate Expectations of AI’sImpact on Industry, in % of Respondents, Jan 2025

•        Chile: Corporate Expectations of AI’s Impacton Industry, in % of Respondents, Jan 2025

•        Argentina: Corporate Expectations of AI’sImpact on Industry, in % of Respondents, Jan 2025

•        Brazil: Expected Timeline of Results from AIStrategies, in % of Respondents, Jan 2025

•        Mexico: Expected Timeline of Results from AIStrategies, in % of Respondents, Jan 2025

•        Colombia: Expected Timeline of Results from AIStrategies, in % of Respondents, Jan 2025

•        Chile: Expected Timeline of Results from AIStrategies, in % of Respondents, Jan 2025

•        Argentina: Expected Timeline of Results fromAI Strategies, in % of Respondents, Jan 2025

•        Brazil: AI Investment Plans, in % ofRespondents, Jan 2025

•        Mexico: AI Investment Plans, in % ofRespondents, Jan 2025

•        Colombia: AI Investment Plans, in % ofRespondents, Jan 2025

•        Chile: AI Investment Plans, in % ofRespondents, Jan 2025

•        Argentina: AI Investment Plans, in % ofRespondents, Jan 2025  

8.2.2.       Seller Segmentation & Barriers 

•        Latin America & The Caribbean:Infrastructure, Computing, Server, and Data Ecosystem Gaps for AI Adoption, Aug2025

•        Latin America & The Caribbean: AI TalentShortages, Education Pipeline Weaknesses, and Firm-Level Adoption Gaps, Aug2025

•        Latin America: AI Opportunity in ServiceExports, Investment Gap, Export Lag, and Skills Gap, Aug 2025

•        Latin America: Main Challenges to AIImplementation, in % of Respondents, 2024

•        Latin America: Main Obstacles to AI Adoption,in % of Respondents, Jan 2025

•        Latin America: Leading Barriers to AIAdoption, in % of Respondents, Mar-Apr 2025

•        Latin America: Barriers to AI Exploration, in% of Respondents, 2025

•        Latin America: Key Areas of Support Needed forAI Adoption, in % of Respondents, Mar-Apr 2025

8.3.          Latin America: AI Functional Use Cases & Economic Impact

8.3.1.       E-Commerce Seller Operations

•        Latin America: Productivity Gains from AIAdoption, in % of Respondents, 2025

•        Latin America: Benefits of AI Adoption, in %of Respondents, Jan 2025

•        Latin America: Business Functions of AIImplementation, in % of Respondents, Jan 2025

•        Latin America: Use of AI Technologies in DailyOperations, in % of Respondents, 2025

8.3.2.       Payments & FinTech Use Cases

•        Latin America: FinTech Sector Growth as aFoundation for AI-Enabled Payments, in Number of Comp., 2017 & 2023

•        Latin America: FinTech Concentration and AIReadiness Potential by Country, in % of Total Fintech Comp., 2024

•        Latin America: Count. with the Highest Growthin Fintech Startups and AI Innovation Potential, in % of Comp., 2022-2024

•        Latin America: Blockchain Tokenization, AIMonitoring, and Customer-Centric Banking Innovations, Sep 2025

8.4.           Latin America: AI Risk Management, Trust & Security

8.4.1.        Fraud & Threat Trends

•        Latin America & Mexico: CybercrimeAttempts and AI Professional Shortages in Millions, Oct 2024

•        Latin America: Fraud Challenges, Costs, AIDetection Tools, and Partnerships in Digital Payments, Sep 2025

•        Latin America: Biggest Risks to AI Deploymentin Startups, in % of Respondents, 2025

•        Latin America: AI and Intensified Inequalityby Country, in % of Respondents, Aug–Sep 2024

8.4.2.       Trust & Readiness

•        Brazil: Comfort Levels in Sharing PersonalData with AI Tools, in % of Respondents, 2024

•        Brazil: Public Readiness for Data Sharing withAI and Traditional Inst., in % of Resp. Comfortable Sharing Data, 2024

•        Brazil: Planned AI Training Investments forTeams, in % of Respondents, Jan 2025

•        Mexico: Planned AI Training Investments forTeams, in % of Respondents, Jan 2025

•        Colombia: Planned AI Training Investments forTeams, in % of Respondents, Jan 2025

•        Chile: Planned AI Training Investments forTeams, in % of Respondents, Jan 2025

•        Argentina: Planned AI Training Investments forTeams, in % of Respondents, Jan 2025

•        Brazil: Workforce with AI Hiring Focus, in %of Respondents, Jan 2025

•        Mexico: Workforce with AI Hiring Focus, in %of Respondents, Jan 2025

•        Colombia: Workforce with AI Hiring Focus, in %of Respondents, Jan 2025

•        Chile: Workforce with AI Hiring Focus, in % ofRespondents, Jan 2025

•        Argentina: Workforce with AI Hiring Focus, in% of Respondents, Jan 2025

•        Brazil: Importance of Sustainability inImplementing AI Solutions, in % of Respondents, Jan 2025

•        Mexico: Importance of Sustainability inImplementing AI Solutions, in % of Respondents, Jan 2025

•        Colombia: Importance of Sustainability inImplementing AI Solutions, in % of Respondents, Jan 2025

•        Chile: Importance of Sustainability inImplementing AI Solutions, in % of Respondents, Jan 2025

•        Argentina: Importance of Sustainability inImplementing AI Solutions, in % of Respondents, Jan 2025

8.4.3.       Regulation & Compliance

•        Latin America: Support for GovernmentRegulation of AI by Country, in % of Respondents, Aug–Sep 2024

•        Latin America: AI Bills with Principle-BasedRights, Risk Classification, and Compliance Obligations, Sep 2025

•        Latin America: AI Proposals with GovernanceCouncils, Regulatory Sandboxes, and SME Support, Sep 2025

•        Latin America: Regulatory Gaps, LocalFrameworks, Regional Coordination, and AI Governance, Sep 2025

•        Latin America: Regulatory Progress,Governance, Institutional Gaps, and Regional Cooperation in AI, Sep 2025

8.5.           Latin America: Competitive Landscape & Strategic AI Movement

8.5.1        Market Scale & Activity

•        Latin America: AI Adoption by Approach inStartups, in % of Respondents, Mar-Apr 2025

•        Latin America: AI Adoption Levels and RevenueContribution from AI-Powered Products, in % of Resp., Mar-Apr 2025

•        Latin America: Share of AI Leaders’ RevenuesAttributable to AI-Powered Products, in % of Resp., Mar-Apr 2025

•        Latin America: Median Revenue Growth of AI andNon-AI Companies Across Income Bands, in % of Resp., Mar-Apr 2025

•        Latin America: Top-Quartile Revenue Growth ofAI and Non-AI Companies Across Income Bands, in % of Resp., Mar-Apr 2025

•        Latin America: Funding Status of Startups andAI Share of Funded Firms, in % of Resp., Mar-Apr 2025

•        Latin America: AI Adoption Across ApplicationAreas Among Startups, in % of Respondents, Mar-Apr 2025

•        Latin America: Number of AI Use CasesImplemented Per Startup, in % of Respondents, Mar-Apr 2025

•        Latin America: Areas of AI Use in StartupOperations, in % of Respondents, 2025

•        Latin America: Use of AI Models in Startups,in % of Respondents, 2025

•        Latin America: Share of Startups Measuring ROIon AI Investments, in % of Resp., Mar-Apr 2025

•        Latin America: Metrics of ROI on AIInvestments Among Startups, in % of Respondents, Mar-Apr 2025

•        Latin America: AI ROI Measurement Metrics, in% of Respondents, 2025

•        Latin America: Ownership of AI LeadershipRoles in Startups, in % of Respondents, Mar-Apr 2025

•        Latin America: AI/ML Cloud WorkloadDistribution by Provider, in % of Respondents, Mar-Apr 2025

•        Latin America: Number of Cloud Providers Usedfor AI/ML Workloads, in % of Respondents, Mar-Apr 2025

•        Latin America: LLM Adoption by Provider andNumber of Models Deployed, in % of Resp., Mar-Apr 2025

8.5.2.       Venture Capital Strategies & AI Integration Trends

•        Latin America: VC Investment Likelihood forAI-Core Startups, in % of Respondents, 2024 & 2025

•        Latin America: Barriers to VC Support forPortfolio AI Deployment, in % of Respondents, 2025

•        Latin America: Internal AI Use Cases Among VCFirms, in % of Respondents, 2023 & 2025

•        Latin America: Internal AI Application Usageby VC Firms, in % of Respondents, 2025

8.6          Latin America: AI Governance, Regulation & Innovation Enablers

8.6.1.        AIInnovation Frameworks    

•        Latin America & The Caribbean: AbsorptiveCapacity, Readiness Gaps, and Global Positioning in AI Adoption, Aug 2025

•        Latin America & The Caribbean:Opportunities and Risks of AI Adoption for Economic, Social, and TechnologicalDevelopment, Aug 2025

•        Latin America & The Caribbean: ResponsibleAI Initiatives, Policy Challenges, Regulatory Needs, and Data Governance Gaps,Aug 2025

•        Latin America: Perceived Country Preparednessto Face AI Challenges, in % of Respondents, Aug-Sep 2024

•        South America: Average Government AI Readinessin Data and Infrastructure, in Index Value, 2023 & 2024

•        Brazil: Government AI Readiness in Data andInfrastructure, in Index Value, 2023 & 2024

9.            Africa AI Landscape: Adoption, Use Cases, Economic Impact, RiskManagement, and Governance

9.1.         Africa: Key Takeaways

9.2.         Africa: AI Adoption Landscape & Regional Patterns

9.2.1.       Adoption Benchmarks

9.2.1.1.    Regional

•        Africa: AI Readiness Rankings AcrossCountries, by Oxford Insights & IMF Indices, 2023 & 2024 (1/2)

•        Africa: AI Readiness Rankings AcrossCountries, by Oxford Insights & IMF Indices, 2023 & 2024 (2/2)

•        Africa: Weekly Use of AI Tools Among YoungPopulation, in % of Respondents, August 2025

•        Africa: Allocation of AI Use Cases by Sector,in % of Respondents, 2024

•        Africa: Allocation of AI Use Cases by Type ofAI, in % of Respondents, 2024

•        Africa: Allocation of AI Use Cases by Type ofSolution, in % of Respondents, 2024

•        Africa: Allocation of AI Use Cases byOrganizations, in % of Respondents, 2024

•        Africa: Allocation of AI Use Cases byOwnership, in % of Respondents, 2024

•        West Africa: Generative AI’s Impact onCompanies, in % of CEOs, Oct - Nov 2023

•        West Africa: Generative AI’s Impact onWorkforce Productivity, in % of CEOs, September 2024

•        Southern Africa: Generative AI’s Impact onWorkforce Productivity, in % of CEOs, September 2024

•        East Africa: Generative AI’s Impact onWorkforce Productivity, in % of CEOs, September 2024

9.2.1.2.    Country Spotlights

•        Egypt: AI Awareness Among the General Public,in % of Respondents, April 2024

•        Egypt: AI Awareness Among Genders and AgeGroups, in % of Respondents, April 2024

•        Egypt: AI Awareness Among Income Categories,in % of Respondents, April 2024

•        Egypt: AI Understanding Among the GeneralPublic, in % of Respondents, April 2024

•        Egypt: AI Understanding Among Genders and AgeGroups, in % of Respondents, April 2024

•        Egypt: AI Understanding Among IncomeCategories, in % of Respondents, April 2024

•        Egypt: Awareness of AI-Powered Products &Services Among the General Public, in % of Resp., April 2024

•        Egypt: Awareness of AI-Powered Products &Services Among Genders and Age Groups, in % of Resp., April 2024

9.2.1.2.    Country Spotlights (Cont.)

•        Egypt: Awareness of AI-Powered Products &Services Among Income Categories, in % of Resp., April 2024

•        Nigeria: Usage of Generative AI, in % ofRespondents, August 2025

•        Nigeria: Adoption of AI, in % of Respondents,Nov 2024 - Jan 2025

•        South Africa: Adoption of AI, in % ofRespondents, Nov 2024 - Jan 2025

•        Kenya: AI Familiarity Among the GeneralPublic, in % of Respondents, September 2024

•        Kenya: AI Usage Among the General Public, in %of Respondents, September 2024

•        Kenya: Views on AI Among the General Public,in % of Respondents, September 2024

•        Kenya: Perceived Importance of AI Among theGeneral Public, in % of Respondents, September 2024

•        Kenya: Support for AI Development Among theGeneral Public, in % of Respondents, September 2024

•        Kenya: Confidence in Attitudes Toward AI, in %of Respondents, September 2024

9.2.2.       Seller Segmentation & Barriers

9.2.2.1.    Regional

•        Africa: Data Fragmentation, InfrastructureGaps, and Talent Shortages in AI Adoption, Sep 2025

•        Africa: Barriers to AI Ecosystem Growth,Skills Gaps, and Digital Literacy Deficits, Sep 2025

•        SSA: Barriers to AI Deployment Across DataQuality, Infrastructure, and Technology Affordability, Sep 2025

•        SSA: Human Capital Gaps, Policy Deficits, andCultural Barriers to AI Adoption, Sep 2025

9.2.2.2.     Country Spotlights

•        Nigeria: AI Adoption Barriers andInfrastructure Challenges, Sep 2025

9.3.          Africa: AI Functional Use Cases & Economic Impact

9.3.1.       E-Commerce Seller Operations

9.3.1.1.    Regional

•        Africa: GenAI Applications in Retail ValueChain, E-Commerce Integration, and Market Barriers, Sep 2025

•        Africa: GenAI Potential in Procurement,Production, and Supply Chains of the CPG Sector, Sep 2025

•        Africa: AI-Driven Roles in Agriculture,Cybersecurity, Healthcare, Finance, and Informal Economy, Sep 2025

•        SSA: AI-Driven Efficiency Gains in RevenueGrowth, Supply Chain, and Logistics Operations, Sep 2025

•        West Africa: Expected Impact of Gen AI onBusiness Performance Metrics in Companies, in % of CEOs, Oct - Nov 2023

9.3.1.2.     Country Spotlights

•        Ghana: Generative AI’s Impact on Companies, in% of CEOs, Oct - Nov 2024

9.3.2.        Payments & FinTech Use Cases

9.3.2.1.     Regional

•        Africa: Sectoral Distribution, BankingApplications, and Economic Value Potential of GenAI, Sep 2025

•        Africa: Rising Remittances, PaymentInefficiencies, Stablecoins, and AI-Driven Financial Inclusion, Sep 2025

•        Africa: AI Sectoral Expansion, Investment Trends,Infrastructure Gaps, and National Strategies, Sep 2025

•        Africa: AI Applications in Agriculture,Education, Finance, Healthcare, Energy, and Smart Cities, Sep 2025

•        SSA: Fintech Innovation, National AIStrategies, and Global Partnerships in AI Adoption, Sep 2025

9.3.2.2.     Country Spotlights

•        Nigeria: Accelerating AI Adoption inAgriculture, Finance, and Emerging Innovation Ecosystem, Sep 2025

•        Ghana: AI’s Impact on Business Functions, in %of CEOs, Oct - Nov 2024

9.4.           Africa: AI Risk Management, Trust & Security

9.4.1.        Fraud & Threat Trends

•        Africa: AI-Driven Job Risks, GenderDisparities, and Workforce Inclusion in Outsourcing, Sep 2025

•        West Africa: Gen AI’s Expected Impact onOrganizational Risk Factors, in % of CEOs, Oct - Nov 2023

9.4.2.        Detection Tools & Risk Models

•        South Africa: Executive Expectations onGenAI’s Impact on Productivity Growth, in % of Resp., Mar - May 2024

•        South Africa: Enterprise AI-Driven StrategyAdoption for Organizational Reinvention, in % of Resp., Mar - May 2024

9.4.3.        Trust & Readiness

9.4.3.1.     Regional

•        Africa: Inclusive AI Deployment and WorkforceReadiness, Sep 2025

•        Sub-Saharan Africa: CEOs’ Trust in AIIntegration, in % of Respondents, October - November 2024

9.4.3.2.     CountrySpotlights

•        Egypt: Trust in AI’s Fairness Among theGeneral Public, in % of Respondents, April 2024

•        Egypt: Trust in AI’s Fairness Among Gendersand Age Groups, in % of Respondents, April 2024

•        Egypt: Trust in AI’s Fairness Among IncomeCategories, in % of Respondents, April 2024

•        Egypt: Distrust in Companies Utilizing AISystems Among the General Public, in % of Resp., April 2024

•        Egypt: Distrust in Companies Utilizing AISystems Among Genders and Age Groups, in % of Respondents, April 2024

•        Egypt: Distrust in Companies Utilizing AISystems Among Income Categories, in % of Resp., April 2024

•        Egypt: Trust in AI for Data Protection Amongthe General Public, in % of Respondents, April 2024

•        Egypt: Trust in AI for Data Protection AmongGenders and Age Groups, in % of Respondents, April 2024

•        Egypt: Trust in AI for Data Protection AmongIncome Categories, in % of Respondents, April 2024

•        Egypt: AI-Driven Changes in Daily Life in thePast 3-5 Years on the General Public, in % of Resp., April 2024

•        Egypt: AI-Driven Changes in Daily Life in thePast 3-5 Years on Genders and Age Groups, in % of Resp., April 2024

•        Egypt: AI-Driven Changes in Daily Life in thePast 3-5 Years on Income Categories, in % of Resp., April 2024

•        Egypt: Expected AI-Driven Changes in DailyLife in the Next 3-5 Years on the General Public, in % of Resp., April 2024

•        Egypt: Expected AI-Driven Changes in DailyLife in the Next 3-5 Years on Genders and Age Groups, in % of Resp., April 2024

•        Egypt: Expected AI-Driven Changes in DailyLife in the Next 3-5 Years on Income Categories, in % of Resp., April 2024

•        Egypt: AI’s Perceived Potential in ReshapingJobs, in % of Respondents, April 2024

•        Egypt: AI’s Perceived Potential in ReplacingJobs, in % of Respondents, April 2024

•        Nigeria: Trust and Acceptance of AI Systems,in % of Respondents, Nov 2024 - Jan 2025

•        Nigeria: Regular Use and Trust of AI at Work,in % of Respondents, Nov 2024 - Jan 2025

•        Nigeria: Views of AI Benefits Over Risks, in %of Respondents, Nov 2024 - Jan 2025

•        South Africa: Trust and Acceptance of AISystems, in % of Respondents, Nov 2024 - Jan 2025

•        South Africa: Regular Use and Trust of AI atWork, in % of Respondents, Nov 2024 - Jan 2025

•        South Africa: Views of AI Benefits Over Risks,in % of Respondents, Nov 2024 - Jan 2025

9.4.4.       Regulation & Compliance

9.4.4.1.    Regional

•        Africa: Ethical AI, Governance Frameworks,Regional Disparities, and Community Involvement, Sep 2025

•        Africa: Regulatory, Ethical, and GovernanceChallenges for Inclusive AI Adoption, Sep 2025

9.4.4.2.    Country Spotlights

•        Nigeria: Ethical, Linguistic, Regulatory, andData Readiness Challenges in AI Adoption, Sep 2025

•        Nigeria: Fragmented AI Regulations and DraftStrategy Status, Sep 2025

•        Nigeria: Views on the Need for AI Regulation,in % of Respondents, Nov 2024 - Jan 2025

•        Nigeria: Adequacy of AI Regulation and Lawsfor Safe Use, in % of Respondents, Nov 2024 - Jan 2025

•        South Africa: Views on the Need for AIRegulation, in % of Respondents, Nov 2024 - Jan 2025

•        South Africa: Adequacy of AI Regulation andLaws for Safe Use, in % of Respondents, Nov 2024 - Jan 2025

9.5.           Africa: Competitive Landscape & Strategic AI Movement

9.5.1.        Market Scale & Activity

•        Africa: Market Value of AI, in USD billions,2025e & 2030f

•        Africa: Growth of AI Use Cases, Data ScarcityChallenges, and Unequal Infrastructure Investments, Sep 2025

•        Africa: AI Market Growth, InvestmentCommitments, Readiness Gaps, and National Strategies, Sep 2025

•        Africa: Demographics, Governance Progress, andSectoral AI Applications in Key Industries, Sep 2025

9.5.2.       Strategic Moves by Key Players

9.5.2.1.    Regional

•        Africa: GenAI Deployment in Insurance UseCases and Regional Expansion Trends, Sep 2025

•        Africa: GenAI Applications inTelecommunications, Economic Potential, and Strategic Use Cases, Sep 2025

•        Africa: GenAI Applications in Public Services,Healthcare, and Governance, Sep 2025

•        Africa: MCP Hackathon 2025, Regional Scope,Sectoral Focus, and Stakeholder Engagement, Sep 2025

9.5.2.2.     Country Spotlights

•        South Africa: Role of Gen AI in DrivingBusiness Transformation by Strategic Levers, in % of Executives, Mar-May 2024

•        South Africa: Executive Views on TrainingNeeds for Generative AI, in % of Respondents, 2025

9.6.          Africa: AI Governance, Regulation & Innovation Enablers

9.6.1.       Regional Public & Private Sector AI Initiatives

9.6.1.1     Regional

•        Africa: Policy Commitments, TalentDevelopment, and Infrastructure Investments in AI, Sep 2025

•        Africa: Digital Infrastructure, Data CenterExpansion, and Governance Models for AI Deployment, Sep 2025

•        Africa: Public-Private AI Initiatives,Governance Frameworks, and Coordination Challenges, Sep 2025

•        Africa: Youth Demographics, Entrepreneurship,and National AI Readiness Initiatives, Sep 2025

•        Africa: AI Talent Growth, Skills Gaps, andWorkforce Literacy Needs, Sep 2025

•        Africa: National AI Literacy Commitments,Curriculum Reforms, and STEM Workforce Challenges, Sep 2025

•        Africa: AI Accelerators, Research Capacity,Infrastructure Priorities, and Localized Data Needs, Sep 2025

•        Africa: AI Infrastructure Investment Trendsand Strategic Leverage, Sep 2025

9.6.1.2     Country Spotlights

•        South Africa: AI Ethics Blueprint, DataPrivacy, Structural Barriers, and Transparency Mandates, Sep 2025

9.6.2.       Regional AI Innovation Frameworks

•        Africa: National AI Strategies, GovernanceGaps, and Regional Planning, Sep 2025

•        Africa: Status of National AI StrategyDevelopment & Governance Progress Across Key Economies, Sep 2025

•        Africa: AI Summit Commitments, Talent Gaps,Governance Needs, and Infrastructure Investments, Sep 2025

•        SSA: Country-Specific Progress in National AIStrategies and Ecosystem Development, Sep 2025 (1/2)

•        SSA: Country-Specific Progress in National AIStrategies and Ecosystem Development, Sep 2025 (2/2)

•        SSA: Embedding Ethical and CulturalFoundations in AI Development, Sep 2025

•        SSA: AI Ethics on Cultural Preservation, DataSovereignty, Gender Balance, and Rural Inclusion, Sep 2025

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CompaniesMentioned: Alibaba, Amazon, JD.com, Temu, Shopee, SHEIN, TikTok Shop, Visa, Mastercard, American Express, PayPal, Klarna, Adyen, Stripe, Worldline, Revolut, Wise, Google, Apple, Microsoft, OpenAI, SAP, IBM, NVIDIA, MercadoLibre, EBANX, Flutterwave, M-Pesa, Luckin Coffee, Alipay, Alipay+, LianLian, Taobao, Tmall, DeepSeek, Zhipu AI, LVMH

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