Sample Report: Global Compendium 2025: Volume 3 Europe’s E-Commerce, Payments, and AI Transformation

Description

Region: Europe

Countries Covered: UK, France, Germany, Spain, Netherlands, Italy, Belgium, Sweden, Austria, Switzerland, Finland, Poland, Czech Republic, Hungary, Greece, Slovenia, Romania, Slovakia, Serbia, Lithuania, Bulgaria, Croatia, Latvia, Estonia, Norway, Portugal, Ireland, Turkey

Pages: 350

Publication Date: 23.10.2025

Questions Covered in the report:

• How did Western Europe’s retail E-Commerce market perform in 2024?
• How did the United Kingdom’s B2C E-Commerce landscape evolve in 2024?
• What was the level of online payment adoption in Europe in 2024?
• How did Germany’s enterprises progress in Generative AI adoption by 2025?
• How active were European B2B firms in developing marketplaces in 2024?

Key Findings:

Europe’s E-Commerce, Payments, and AI Transformation 2025: yStats.com Highlights Market Maturity, Digital Payment Shifts, and Enterprise AI Acceleration

B2C E-Commerce: Market Growth Stabilizes as Emerging Economies Close the Gap

Retail E-Commerce in Western Europe is projected to surpass USD 800 billion by 2028, marking the transition from rapid expansion to mature, steady growth. As digital access and consumer confidence rise across the continent, online shopping participation continues to increase, supported by improved infrastructure, growing trust in digital platforms, and the normalization of online retail as a core shopping channel.

Digital Payments: Wallet Expansion and Cost Efficiency Redefine Consumer Behavior

By 2024, over 60% of European consumers used online payment methods, while nearly 50% adopted in-app payments, confirming widespread preference for digital-first transactions. Global wallets dominate Europe’s online landscape, while half of consumers now favor Pay by Bank for its zero-fee model, signaling a shift toward direct, cost-efficient, and seamless payment experiences across multiple channels.

AI Integration: Adoption Expands but Regulation and Trust Define Pace

In 2024, nearly 50% of Europeans used Generative AI for personal tasks, while enterprise adoption accelerated with nearly 70% of German companies implementing GenAI strategies by 2025. Despite progress, widespread public concern over misinformation and data misuse continues to shape Europe’s cautious but determined approach to AI governance, transparency, and workforce adaptation.

B2B E-Commerce: Enterprise Strategies Replace Rapid Marketplace Expansion

New B2B marketplace creation slowed sharply, as the market shifted from rapid expansion to strategic consolidation. Even so, 75% of B2B companies in Europe are developing marketplace strategies to enhance digital trade in 2024, emphasizing payment flexibility, cross-border capabilities, and customer-centric digital procurement experiences.

Access the Full Report

For a complete overview of Europe’s E-Commerce, Payments, AI, and B2B transformation, access yStats.com’s latest publication: Volume 3 Europe’s E-Commerce, Payments, and AI Transformation 2025: Market Intelligence on B2C, B2B, Digital Payments, and the Evolving Role of AI in Commerce. Contact press@ystats.com for more information.

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Table of Content:

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1.               Key Takeaways                                                                                                                                                        

2.              Management Summary                                                                                                                                                                              

3.              Europe: B2C E-Commerce Overview

3.1.           Western Europe - Market Overview

•       Western Europe: Retail E-Commerce Share, in % of Total Retail Sales, 2022–2028f

•       Western Europe: Retail E-Commerce Sales, in USD billion, in % of Year-on-Year Change, 2022-2028f

•       Western Europe: Online Retail Sales, in USD billion, 2023 & 2028f

•       France: E-Commerce Market Value, in EUR billion, 2022 & 2023

•       Italy: E-Commerce Market Value, in USD billion, 2023 & 2027f

3.2.           Country-Level Online Purchase Penetration

•       Italy: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e

•       Austria: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e

•       Switzerland: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e

•       Finland: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e

•       Poland: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e

•       Czech Republic: Share of Population Aged 16-74 Who Purchased Goods/Services Online, in %, 2019-2024e

•       Hungary: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e

•       Greece: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e

•       Slovenia: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e

•       Romania: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e

•       Slovakia: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e

•       Serbia: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e

•       Lithuania: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e

•       Bulgaria: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e

•       Croatia: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e

•       Estonia: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e

•       Latvia: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e

4.              Europe: Digital Payments Ecosystem  

4.1.           Europe & EMEA - Payment Market Landscape

•       Europe: Digital Payments Adoption by Category, in % of respondents, 2024

•       Europe: Total Non-cash Transactions Volume, in volume billions, 2018 & 2021-2024e & 2028f

•       Europe: Total B2B Non-cash Transactions Volume, in volume billions, 2018 & 2021-2024e & 2028f

•       Europe, Middle East, and Africa: Payments Revenue Value, in USD trillion, 2013, 2018, 2020- 2023

•       Europe, Middle East, and Africa: Payments Revenue by Type, Commercial & Consumer in %, 2018 & 2023

•       EMEA: Share of Payment Revenue Value, in %, 2027f

•       Europe: Payment Mix: New Payments vs Traditional Payments, In % of Transaction Volume, 2023

•       Europe: Share of Respondents Using Digital Payments, by Category, in % of Respondents, 2024

•       Europe: Digital Wallets Adoption by Category: In-Store, in % of Digital Payment Users, 2024

•       Europe: Digital Wallets Adoption by Category: Online, in % of Digital Payment Users, 2024

•       Europe: Digital Wallets Adoption by Category: In-App, in % of Digital Payment Users, 2024

•       Europe, Middle East, and Africa: Payments Market Growth by Global Region, CAGR (%), 2022 - 2027f

•       Europe, Middle East, and Africa: Payments Market Revenue Share by Global Region, in %, 2027f

4.2.            Western Europe & Major Markets - Consumer Payment Behavior

•       Western Europe: Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024

•       Western Europe: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024

•       Western Europe: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024

•       Western Europe: Features That Make Pay by Bank Appealing to Consumers, in % Respondents, 2024

•       Western Europe: Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024

•       Western Europe: Factors Influencing Consumers' Pref. When Selecting an Online Payment Method, in %, 2024

•       UK: Overview of Online Payment Methods and Consumer Preferences, March 2025

•       UK: Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024

•       UK: Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024

•       UK: Important Factors When Trying New Online Payment Methods, in %, 2024

•       UK: Share of Generation Z (Ages 18-29) Willing to Try New Online Payment Methods, in %, 2024

•       UK: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024

•       UK: Features That Make Pay by Bank Appealing to Consumers, in % Respondents, 2024

•       UK: Factors Influencing Consumers' Preferences When Selecting an Online Payment Method, in %, 2024

•       UK: Share of Adults Using Selected Payment Methods for Online Purchases, by Payment Method, in %, 2024

•       UK: Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024

•       UK: Share of Adults Using Buy Now Pay Later Services, in %, 2022 and 2023

•       UK: Cards Transaction Value, in USD trillion, 2023 & 2027f

•       UK: Total Payments via Faster Payments and Remote Banking, in billions, 2023 & 2033f

•       UK: Total Debit Card Payments, in billions, 2023 & 2033f

•       UK: Contactless Debit and Credit Card Payment Volume, in billions, 2023 & 2033f

•       UK: Bacs Direct Credit Payment Volume, in billions, 2023 & 2033f

•       UK: Direct Debit Payment Volume, in billions, 2023 & 2033f

•       UK: Share of Card Payments (Debit and Credit), in %, 2023 & 2033f

•       UK: Share of Payments Made via Contactless Debit and Credit Cards, in %, 2033f

•       UK: Share of Adults Using Online vs Mobile Banking, in %, 2023

•       France: Overview of Online Payment Methods and Consumer Preferences, March 2025

•       France: Share of Online Payment Methods Used by Online Shoppers, in %, 2024

•       France: Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024

•       France: Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024

•       France: Top Reasons for Using a Credit Card Online Among Adults Aged 60+, in % of Respondents, 2024

•       France: Factors Influencing Consumers' Pref. When Selecting an Online Payment Method, in %, 2024

•       France: Share of Generation Z (Ages 18-29) Willing to Try New Online Payment Methods, in %, 2024

•       France: Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024

•       France: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024

•       France: Features That Make Pay by Bank Appealing to Consumers, in % Respondents, 2024

•       France: Share of Respondents Familiar With Pay by Bank, in % of Respondents, 2024

•       France: Share of Respondents Who Have Never Used Pay by Bank Online, in %, 2024

•       France: Share of Adults Somewhat Familiar with Pay by Bank, Aged 18-29 and 60+, in %, 2024

•       France: Cards Transaction Value, in USD billion, 2024 & 2028f

•       France: Share of 18-24-Year-Olds Using Contactless Debit Cards, in %, 2023

•       France: Share of 18-24-Year-Olds Using Mobile Payment Services, in %, 2023

•       Germany: Overview of Online Payment Methods and Consumer Preferences, March 2025

•       Germany: E-Commerce Payment Methods by Revenue Share, in %, 2023

•       Germany: Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024

•       Germany: Share of Generation Z (ages 18-29) Willing to Try New Online Payment Methods, in %, 2024

•       Germany: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024

•       Germany: Features That Make Pay by Bank Appealing to Consumers, in % Respondents, 2024

•       Germany: Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024

•       Germany: Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024

•       Germany: Factors Influencing Consumers' Pref. When Selecting an Online Payment Method, in %, 2024

•       Germany: E-Commerce Market Value, in USD billion, 2023 & 2027f

•       Germany: Breakdown of Payment Methods by Type, in %, 2023

•       Germany: Cards Transaction Value, in USD billion, 2023 & 2027f

•       Germany: Breakdown of Card Schemes by Market Share, in %, 2023

•       Spain: Overview of Online Payment Methods and Consumer Preferences, March 2025

•       Spain: Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024

•       Spain: Share of Generation Z (Ages 18-29) Willing to Try New Online Payment Methods, in %, 2024

•       Spain: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024

•       Spain: Share of Young Adults Aged 18-29 Using Pay by Bank Daily or Weekly, in %, 2024

•       Spain: Features That Make Pay by Bank Appealing to Consumers, in % Respondents, 2024

•       Spain: Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024

•       Spain: Factors Influencing Consumers' Preferences When Selecting an Online Payment Method, in %, 2024

•       Spain: Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024

•       Netherlands: Overview of Online Payment Methods and Consumer Preferences, March 2025

•       Netherlands: Share of Consumers Using Pay by Bank at Least Monthly, in %, 2024

•       Netherlands: Share of Adults Using Pay by Bank Daily or Weekly, Aged 18-29 and 30-39, in %, 2024

•       Netherlands: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024

•       Netherlands: Features That Make Pay by Bank Appealing to Consumers, in % Respondents, 2024

•       Netherlands: Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024

•       Netherlands: Factors Influencing Consumers' Pref. When Selecting an Online Payment Method, in %, 2024

•       Netherlands: Share of Generation Z (ages 18-29) Willing to Try New Online Payment Methods, in %, 2024

•       Netherlands: Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024

•       Netherlands: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e

•       Italy: Overview of Online Payment Methods and Consumer Preferences, March 2025

•       Italy: Breakdown of Online Transactions by Payment Method, in %, 2023

•       Italy: Breakdown of Payment Methods by Type, in %, 2023

•       Italy: Share of Consumers Increasing Card Use for Online vs. In-Store Purchases, in %, 2024

•       Italy: Breakdown of Gen Z Increasing Card Use for Online and In-Store Purchases, in %, 2024

•       Italy: Share of Consumers Preferring Credit or Debit Cards for Tracking Expenses & Convenience, in %, 2024

•       Italy: Share of Consumers Preferences for Digital Payments in Italy and Abroad, in %, 2024

•       Italy: Share of Millennials Prioritizing Discounts & Benefits Choosing Digital Payment Methods, in %, 2024

•       Italy: Share of Consumers Prioritizing Discounts & Benefits in Digital Payments, %, 2024

•       Italy: Main Factors for Choosing Digital Payments Over Cash, in %, 2024

•       Italy: Breakdown of Card Schemes by Market Share, in %, 2023

•       Italy: Cards Transaction Value, in USD billion, 2023 & 2027f

•       Belgium: Overview of Online Payment Methods and Consumer Preferences, March 2025

•       Sweden: Overview of Online Payment Methods and Consumer Preferences, March 2025

•       Austria: Overview of Online Payment Methods and Consumer Preferences, March 2025

•       Austria: Share of Respondents Planning to Increase Mobile Payment Use in the Next Two Years, in %, 2023

•       Austria: Breakdown of Digital Wallet Usage by Type, in %, 2024

•       Austria: Share of Respondents Using Contactless Debit Cards and Cash, in %, 2020-2023

•       Austria: Cards Transaction Value, in USD billion, 2024 & 2028f

•       Switzerland: Overview of Online Payment Methods and Consumer Preferences, March 2025

•       Switzerland: Share of Respondents Preferring Digital Payment Providers for Payments, in %, 2023

•       Switzerland: Share of Mobile Payment Usage, by Payment Method, in %, 2021-2024 (Part 1 of 2)

•       Switzerland: Share of Mobile Payment Usage, by Payment Method, in %, 2021-2024 (Part 2 of 2)

•       Denmark: Overview of Online Payment Methods and Consumer Preferences, March 2025

•       Finland: Overview of Online Payment Methods and Consumer Preferences, March 2025

•       Finland: Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024

•       Finland: Share of Young Adults Aged 18-29 Using Pay by Bank Daily or Weekly, in %, 2024

•       Finland: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024

•       Finland: Share of Generation Z (ages 18-29) Willing to Try New Online Payment Methods, in %, 2024

•       Finland: Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024

•       Finland: Factors Influencing Consumers' Preferences When Selecting an Online Payment Method, in %, 2024

•       Finland: Share of Respondents Using Contactless Debit Cards as the Most Frequent Paym. Meth., in %, 2023

•       Finland: Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024

•       Norway: Overview of Online Payment Methods and Consumer Preferences, March 2025

•       Portugal: Overview of Online Payment Methods and Consumer Preferences, March 2025

•       Ireland: Overview of Online Payment Methods and Consumer Preferences, March 2025

•       Ireland: Share of Respondents Preferring Digital Payment Providers for Payments, in %, 2023

•       Ireland: Share of 18-24-Year-Olds Using Mobile Payment Services, in %, 2023

•       Ireland: Share of 18-24-Year-Olds Using Contactless Debit Cards, in %, 2023

4.3.            Eastern & Southern Europe - Payment Trends & Market Metrics

•       Turkey: Overview of Online Payment Methods and Consumer Preferences, April 2025

•       Turkey: Payment Methods and Consumer Trends in E-Commerce Overview, April 2025

•       Turkey: Breakdown of Card Schemes by Market Share, in %, 2023

•       Turkey: Breakdown of Payment Methods by Type, in %, 2023

•       Poland: Overview of Online Payment Methods and Consumer Preferences, April 2025

•       Poland: Cards Transaction Value, in USD billion, 2023 & 2027f

•       Poland: Share of Payment Methods Used for Online Purchases, by Age, in % Online Shoppers, 2024

•       Poland: Share of Payment Methods Used for Online Purchases, by City Size, in % of Online Shoppers, 2024

•       Poland: Share of Payment Methods Used for Online Purchases, by Gender, in % of Online Shoppers, 2024

•       Poland: Reasons for Choosing Payment Methods for Online Purchases, by Age, in % Online Shoppers, 2024

•       Poland: Reasons for Choosing Pay. Methods for Online Purchases, by Gender, in % Online Shoppers, 2024

•       Poland: Share of Online Payment Method Usage, in % of Internet Users, 2024

•       Poland: Share of BLIK Usage Among Young Adults, Aged 15-24 and 25-34, in %, 2024

•       Czech Republic: Overview of Online Payment Methods and Consumer Preferences, April 2025

•       Czech Republic: Cards Transaction Value, in USD billion, 2023 & 2027f

•       Czech Republic: Share of 18–24-Year-Olds Preferring Mobile Wallets (Apple Pay, Google Pay), in %, 2024

•       Czech Republic: Preferred Payment Methods, in % of Respondents, 2024

•       Hungary: Overview of Online Payment Methods and Consumer Preferences, April 2025

•       Hungary: Cards Transaction Value, in USD billion, 2024 & 2028f

•       Hungary: Mobile Payment Adoption Rate, in %, 2022 & 2023

•       Greece: Overview of Online Payment Methods and Consumer Preferences, April 2025

•       Greece: Cards Transaction Value, in USD billion, 2023 & 2027f

•       Greece: Share of Card Transaction Value, by Payment Channel, in %, 2021-2023e

•       Slovenia: Overview of Online Payment Methods and Consumer Preferences, April 2025

•       Slovenia: Cards Transaction Value, in USD billion, 2023 & 2024 & 2028f

•       Slovenia: Number of Contactless Payment Cards, in millions, 2023 & 2028f

•       Romania: Overview of Online Payment Methods and Consumer Preferences, April 2025

•       Romania: Cards Transaction Value, in USD billion, 2023 & 2024 & 2028f

•       Slovakia: Overview of Online Payment Methods and Consumer Preferences, April 2025

•       Slovakia: Cards Transaction Value, in USD billion, 2023 & 2024 & 2028f

•       Serbia: Overview of Online Payment Methods and Consumer Preferences, April 2025

•       Serbia: Cards Transaction Value, in USD billion, 2024 & 2028f

•       Lithuania: Overview of Online Payment Methods and Consumer Preferences, April 2025

•       Lithuania: Cards Transaction Value, in USD billion, 2024 & 2028f

•       Bulgaria: Overview of Online Payment Methods and Consumer Preferences, April 2025

•       Bulgaria: Cards Transaction Value, in USD billion, 2023 & 2024 & 2028f

•       Croatia: Overview of Online Payment Methods and Consumer Preferences, April 2025

•       Croatia: Cards Transaction Value, in USD billion, 2024 & 2028f

•       Estonia: Overview of Online Payment Methods and Consumer Preferences, April 2025

•       Latvia: Overview of Online Payment Methods and Consumer Preferences, April 2025

5.               Europe: AI & Automation in Commerce

5.1.            Europe-Wide & Regional AI Adoption, and Applications

•       North. & West. Europe: Adoption of AI by Country, in % of Res. Report. Regular Use, Nov 2024 - Jan 2025

•       South. & East. Europe: Adoption of AI by Country, in % of Resp. Report. 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 Resp. Using AI Several Times Weekly, June 2025

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

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

•       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

•       Europe: AI-Driven Payment Automation, Fraud Detection, and Core Infrastructure Upgrades, July 2025

•       Europe: AI in Open Banking for Risk Control, Value Services, and Infrastructure Efficiency, July 2025

•       Europe: AI Wallet Mergers, P2P Expansion, and Digital Euro Integration, July 2025

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

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

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

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

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

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

5.2.            European AI Use Cases, Trust, Regulation & Governance

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

•       Europe: Personal and Work Adoption of Top Generative AI Use Cases, in % of Respond., June - Aug 2024

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

•       Europe: Top Public Concerns About Generative AI Use, in % of Respondents, June - August 2024

•       Europe: Use of Generative AI by Task Type, in % of Respondents, June - August 2024

•       Europe: Employee Expectations of AI Job Displacement by Country, in % of Respondents, June 2025

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

•       Northern & Western Europe: Trust and Acceptance of AI by Country, in % of Resp., Nov 2024 - Jan 2025

•       Southern & Eastern Europe: Trust and Acceptance of AI by Country, in % of Resp., Nov 2024 - Jan 2025

•       Northern & Western Europe: Views of AI Benefits Over Risks, in % of Rsp. by Country, Nov 2024 - Jan 2025

•       Southern & Eastern Europe: Views of AI Benefits Over Risks, in % of Rsp. by Country, Nov 2024 - Jan 2025

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

•       Southern & Eastern Europe: Regular Use & Trust of AI at Work by Country, in % of Resp., Nov 2024 - Jan 2025

•       Nordics: Regulatory Burdens, Leadership Gaps, and Limited AI Agent Adoption in GenAI, July 2025

•       UK & Nordics: Perception & Adoption of GenAI Among Business Leaders, in % of Respondents, Sept. 2024

•       Germany & Nordics: Concerns and Experimentation Levels in GenAI Adoption, in % of Resp., Sept. 2024

•       Netherlands & Nordics: Perceived Barriers and Trust Levels in GenAI Adoption, in % of Resp., Sept. 2024

•       North. & West. Europe: Share Citing a Need for AI Regulation by Country, in % of Resp. Nov 2024 - Jan 2025

•       South & East. Europe: Share Citing a Need for AI Regulation by Country, in % of Resp. Nov 2024 - Jan 2025

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

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

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

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

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

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

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

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

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

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

5.3.            Country-Level AI Adoption, Barriers, and Strategies

•       UK: Deepfake Scams, Fintech Vulnerabilities, and Enforcement Gaps in AI-Driven Fraud, July 2025

•       UK: Executive Impersonation and Cross-Border Risks in AI-Driven Corporate Fraud, July 2025

•       Germany: Top-Reported Benefits of GenAI Adoption, in % of Respondents, March 2025

•       Germany: Top-Reported Barriers of GenAI Adoption, in % of Respondents, March 2025

•       Germany: GenAI Strategy Implementation Status Among Enterprises, in % of Respondents, 2024 & 2025

•       Germany: Top Barriers to Trusted AI Implementation Among Enterprises, in % of Respondents, March 2025

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

•       France: GenAI Confidence, Regulatory Clarity, Talent Gaps, and Infrastructure Limitations, July 2025

•       France: Top GenAI Adoption Inhibitors vs. Global Baseline, in % Point Difference, January 2025

•       Spain: Structural Barriers to AI Adoption, SME Limitations, and Fragmented Digital Strategy, July 2025

•       Spain: Company Focus on Tech Investment and Strategic Digital Transformation, in % of Res., July 2025

•       Poland: Institutional Gaps, SME Resistance, and AI Barriers in Competitiveness Context, July 2025

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

6.               Europe: B2B E-Commerce & Digital Trade

6.1.            Europe-Wide B2B E-Commerce & Marketplaces Landscape

•       Europe: B2B E-Commerce Marketplace Trends, October 2024

•       Europe: Overview of B2B E-Commerce Marketplaces, October 2024

•       Europe: Number of Annually Founded B2B Marketplaces, in Whole Numbers, & in % of Year-on-Year Change, 2013-2023

•       Europe: Number of B2B Marketplaces, by Funding Amount, in USD million, 2023e

•       Europe: Number of B2B Marketplaces, by Industry, in Whole Numbers, 2023e (1 of 2)

•       Europe: Number of B2B Marketplaces, by Industry, in Whole Numbers, 2023e (2 of 2)

•       Europe: Breakdown of Funded B2B Marketplaces, by Country of HQ Origin, 2023e

•       Europe: Share of “Freight And Logistics” Making Up the Total B2B Marketplaces, in %, 2023e

•       Europe: Share of “Food And Beverages” Making Up the Total Goods B2B Marketplaces, in %, 2023e

6.1.            Europe-Wide B2B E-Commerce & Marketplaces Landscape (Continued)

•       Europe: Share of B2B Buyers That Use B2B E-Commerce Marketplaces, in %, 2024e

•       Europe: Share of E-Commerce Websites That Provide B2B Services, incl. B2B Marketplaces, in %, 2024e

•       Europe: Share of E-Commerce Websites That Provide B2B Services, incl. B2B Marketplaces, That Ship Internationally in %, 2024e

•       Europe: Share of B2B Companies That Are Actively Developing Their B2B Marketplace Strategy*, in %, 2024e

•       Europe: Share of Existing Enterprise Marketplaces That Will Be Engaged in B2B Transactions By the End of 2024, in %, 2024e

•       Europe: Share of B2B Buyers That Conduct Over One Quarter of Their Purchases on Online Marketplaces, in %, 2023

•       Europe: Share of B2B Buyers That Prefer Marketplaces Over Traditional Purchasing Arrangements, in %, 2023

•       Europe: B2B Marketplaces That Prioritize User Experience (UX) And User Interface (UI) Projects to Retain Sellers vs. Buyers, in % of B2B Marketplaces, 2024e

•       Europe: Share of B2B Marketplaces That Use Value Added Services to Keep Sellers on the Marketplace, in %, 2023

•       Europe: Share of B2B Marketplaces That Said That The Biggest Threat Faced By Their Platform Today Is Competition From Traditional Offline Suppliers, in %, 2023

•       Europe: Troubles Faced by B2B E-Commerce Buyers on B2B Marketplaces, in % of B2B Buyers, 2024e

•       Europe: Overview of Selected Top B2B Marketplaces, 2023e (1 of 2)

•       Europe: Overview of Selected Top B2B Marketplaces, 2023e (2 of 2)

6.2.            B2B E-Commerce Performance, Buyer Behavior & Challenges

•       Europe: B2B E-Commerce GMV Compound Annual Growth Rate, in % of CAGR, 2018-2022 & 2022-2026f

•       Europe: B2B E-Commerce Sales Value, in USD trillion, 2022e & 2026f
Europe: Share of B2B Companies That Are Now Active in B2B E-Commerce And Consider Their Entry Into This Area of Business to Be a Success, in %, 2022e

•       Europe: Share of B2B Companies That Obtain More Than 80% of Their Revenue From E-Commerce, in %, 2022e

•       Europe: Share of B2B Companies That Believe That E-Commerce Is An Opportunity For More Exports, in %, 2022e

•       Europe: Share of B2B Companies That See Positive Effects of Launching Online Sales, in %, 2022e

•       Europe: Breakdown of B2B Purchases Made Online, by Share, in % of Business Buyers, 2024e

•       Europe: Share of Business Buyers Who Face Challenges With Online, in %, 2024e

•       Europe: Share of Business Buyers Who Prefer E-Commerce For Fulfilment, in %, 2024e

•       Europe: Share of Business Buyers Who Will Abandon a Cart Without Payment Terms, in %, 2024e

•       Europe: Share of Business Buyers Who Say That Payment Terms Are Crucial For Success, in %, 2024e

•       Europe: Share of Business Buyers Who Say That Payment Challenges at Checkout Are Causing Issues, in %, 2024e

•       Europe: Share of Business Buyers Who Say Having Access to Payment Terms Is Either Important Or Very Important When Choosing a New B2B Supplier, in %, 2024e

•       Europe: Areas of Improvement in B2B E-Commerce, in % of Business Buyers, 2024e

6.3.            Regional & Country-Level B2B Marketplaces and Payment Practices

•       Western Europe: Breakdown of the Total Value of B2B Invoices Paid On Time, Overdue And Bad Debt, in %, Q2 2023 & Q2 2024

•       Western Europe: Breakdown of Changes in B2B Customers’ Payment Duration Over the Past 12 Months Noted By Companies, in %, Q2 2024

•       Western Europe: Consequences of Late Payments From B2B Customers, in % of Companies, Q2 2024

•       Western Europe: Main Sources of Financing Used During the Past 12 Months, in % of Companies, Q2 2024

•       Western Europe: Breakdown of Companies That See an Increased Insolvency Risk For Their Customers in the Next 12 Months, in %, Q2 2024

•       Western Europe: Breakdown of Companies’ Expectations Towards the Change in Payment Practices of Their B2B Customers, in %, Q2 2024

•       Western Europe: Breakdown of Companies’ Expectations Towards the Change in Their Average DSO in the Next 12 Months, in %, Q2 2024

•       Central & Eastern Europe: Breakdown of the Total Value of B2B Invoices Paid On Time, Overdue And Bad Debt, in %, Q2 2024

•       Central & Eastern Europe: Breakdown of Changes in B2B Cust.’ Payment Duration Over the Past 12 Months Noted By Comp., in %, Q2 2024

•       Central & Eastern Europe: Consequences of Late Payments From B2B Customers, in % of Companies, Q2 2024

•       Central & Eastern Europe: Main Sources of Financing Used During the Past 12 Months, in % of Companies, Q2 2024

•       Central & Eastern Europe: Breakdown of Comp. That See an Inc. Insolvency Risk For Their Customers in the Next 12 Months, in %, Q2 2024

•       Central & Eastern Europe: Breakdown of Comp.’ Expec. Towards the Change in Payment Practices of Their B2B Customers, in %, Q2 2024

•       Central & Eastern Europe: Breakdown of Comp.’ Expec. Towards the Change in Their Average DSO in the Next 12 Months, in %, Q2 2024

•       Scandinavia: Share of B2B Companies That Expect Sales to Happen Online, in %, 2024e

•       Scandinavia: Share of B2B Companies That Generate Sales Through E-Commerce Platforms, in %, 2024e

•       UK: Overview of Selected Top B2B Marketplaces, 2023e (1 of 2)

•       UK: Overview of Selected Top B2B Marketplaces, 2023e (2 of 2)

•       Germany: Overview of Selected Top B2B Marketplaces, 2023e

•       France: Overview of Selected Top B2B Marketplaces, 2024e (1 of 2)

•       France: Overview of Selected Top B2B Marketplaces, 2024e (2 of 2)

•       Netherlands: Overview of Selected Top B2B Marketplaces, 2024e (1 of 2)

•       Netherlands: Overview of Selected Top B2B Marketplaces, 2024e (2 of 2)

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Companies Mentioned:

• Amazon
• Alibaba
• AliExpress
• Amazon Business
• eWorldTrade
• Global Sources
• EC21
• ECVV
• ManoMano
• OTTO Group
• eBay
• Zalando
• Bol.com
• Vinted
• Visa
• Mastercard
• American Express
• PayPal
• Klarna
• Adyen
• Stripe
• Worldline
• Revolut
• Wise
• PayU
• Checkout.com
• SumUp
• BLIK
• iDEAL
• Satispay
• Swish
• Vipps
• LVMH
• Google
• Apple
• Microsoft
• OpenAI
• SAP
• IBM

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