Sample Report: Global Digital Commerce Infrastructure 2026

Description

Region: Global

Country: U.S., Canada, U.K, Germany, France, China, India, Japan, Singapore, South Korea, Brazil, Sausi Arabia, UAE, Nigeria

‍Pages: 680

Publication Date: 14.08.2026

Questions Covered in the report:‍

• How are real-time payments, A2A payments, digital wallets, and multi-rail infrastructure changing the global payments landscape?
• How are digital identity, authentication, and trust infrastructure becoming integrated with payments and digital commerce ecosystems?
• How are stablecoins, tokenized deposits, CBDCs, and programmable settlement developing alongside traditional payment and banking infrastructure?
• How is artificial intelligence being applied across payment operations, fraud prevention, digital shopping, and emerging agentic commerce models?
• How are regulation, interoperability, cybersecurity, and regional infrastructure developments shaping the future of global digital commerce?

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Key Findings:

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

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Why This Matters: Digital commerce increasingly depends on interoperable infrastructure connecting payments, digital identity, artificial intelligence, digital trust, and regulatory frameworks across public and private ecosystems. At the same time, payment modernization, intelligent automation, cross-border connectivity, and emerging digital money models continue expanding the importance of secure, scalable, and interoperable infrastructure supporting global commerce.

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Key Highlights

·       Globally, non-cash transaction volume is forecast to reach nearly 2 trillion transactions by 2028, highlighting the continued expansion of digital payment infrastructure.

·       Globally, 75% of surveyed consumers had enabled passkeys on at least some digital accounts by 2026, reflecting continued growth in passwordless authentication.

·       Globally, cross-border B2B stablecoin payment value is forecast to increase from USD 13.4 billion in 2026 to USD 5.0 trillion by 2035.

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"Digital commerce infrastructure continues evolving beyond individual payment technologies toward increasingly connected ecosystems where payments, digital identity, artificial intelligence, digital trust, and programmable infrastructure operate together," says Yücel Yelken, Founder and CEO of yStats.com. "Financial institutions, technology providers, governments, and enterprises continue modernizing infrastructure while interoperability, intelligent automation, and trusted digital interactions become increasingly important across global commerce ecosystems."

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Interoperable Payment Infrastructure Continues Expanding

Payment infrastructure continues evolving toward increasingly interoperable, multi-rail ecosystems connecting real-time payment systems, account-to-account payments, digital wallets, APIs, standardized messaging, and payment orchestration capabilities. At the same time, cross-border connectivity, ISO 20022 migration, and infrastructure modernization continue improving transaction efficiency, operational automation, and payment flexibility across domestic and international commerce while strengthening the foundations of future digital payment ecosystems.

Digital Identity, Digital Money, and Intelligent Infrastructure Become Foundational

Digital identity, authentication, programmable settlement, and digital money are increasingly becoming foundational infrastructure supporting trusted digital commerce. Governments, financial institutions, and technology providers continue expanding interoperable identity frameworks, digital credentials, stablecoin infrastructure, tokenized settlement capabilities, and treasury modernization while integrating these technologies alongside existing payment systems to improve authentication, compliance, settlement efficiency, and cross-border transaction processing.

Artificial Intelligence and Governance Shape the Future of Digital Commerce

Artificial intelligence continues expanding across payment operations, fraud prevention, customer authentication, commerce platforms, and transaction orchestration, supporting increasingly intelligent digital commerce environments. As AI-assisted and autonomous commerce capabilities evolve, organizations continue strengthening governance frameworks, digital trust, cybersecurity, identity verification, and regulatory oversight to support secure, transparent, and interoperable commerce ecosystems capable of enabling the next generation of digital transactions.

Access the Full Report

For detailed insights into digital payments, real-time payment infrastructure, cross-border payments, digital identity, authentication, digital trust, stablecoins, tokenized settlement, artificial intelligence, agentic commerce, fraud prevention, governance frameworks, Digital Public Infrastructure, and regional digital commerce infrastructure developments, access "Global Digital Commerce Infrastructure Market 2026."Please contact press@ystats.com for more information.

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Table of Contents:

1.              Key Takeaways

2.              Management Summary

3.              Global Payments Landscape & Market Evolution

3.1.           Digital Payments Market & Adoption

•       Global: Digital Payments Adoption, Innovations and Consumer Preferences, June 2026 (Part 1 of 2)

•       Global: Digital Payments Adoption, Innovations and Consumer Preferences, June 2026 (Part 2 of 2)

•       Global: Digital Mobility Payments and Market Growth Overview, June 2026

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

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

•       Global: Payments Revenue Value, in USD trillion, 2013, 2018, 2020- 2023, 2028f

•       Global: Transaction-Related Payments Revenue, by Region, in USD billion, and Compound Annual Growth Rate, 2019, 2024 & 2029f

•       Global: Payments Revenue by Type, Commercial & Consumer in %, 2023

•       Global: Payments Revenue by Type, Commercial & Consumer in %, by Region, 2023

•       Global: Payments Revenue by Type, Commercial & Consumer in %, by Region, by Payment Type, 2023

•       Global: Payments Revenue by Type, Commercial & Consumer in %, 2024

•       Global: Payments Revenue by Type, Commercial & Consumer in %, by Region, 2024

•       Global: Payments Revenue by Type, Commercial & Consumer in %, by Region, by Payment Type, 2024

•       Global: Payment Revenue Value, in USD trillion, 2027f

•       Global: Online Payment Methods Preferred by Shoppers, in % of Respondents, 2024

•       Global: Payment Mix: New Payments vs Traditional Payments, In % of transaction volume, 2023 & 2028f

•       Global: Organizations Accepting Payment Methods, by Type, in %, 2022 & 2024

•       Global: Payment Type Transactions, by Quarter, in % Year-Over-Year Change, Q4 2022 - Q3 2023

3.2.           Real-Time Payments & Next-Generation Payment Rails

•       Global: Real-Time Payment Transactions, in billions of Transactions, and Growth Rates, 2022-2023 & 2028f

•       Global: Instant Payments as Share of Non-Cash Transaction Volume, in %, 2023 & 2028f

•       Global: Share of Real-Time Payments in Total Electronic Transactions, in %, 2023 & 2028f

•       Global: Top Five Real-Time Payment Markets by Transaction Volume and Year-on-Year Growth, in billions of Transactions and %, 2023

•       Global: Instant Payment Penetration and Year-on-Year Volume Growth by Region, in %, 2024

•       Global: A2A Transaction Volume, in billions, and Total Growth, 2024 & 2029f

3.3.           Cross-Border Payments & Infrastructure Evolution

•       Global: Cross-Border Payment Infrastructure Layers, Intermediaries, and Settlement Mechanisms, June 2026

•       Global: Evolution of Cross-Border Payment Infr., Real-Time Connectivity, and Network Modernizat., June 2026

•       Global: Structural Drivers Accelerating Cross-Border Payment Infrastructure Modernization, June 2026

•       Global: Transition Toward Real-Time Interoperable Cross-Border Payment Systems, June 2026

•       Global: Competitive Positioning Across Banks, PSPs, FinTechs, and Payment Infrastr. Providers, June 2026

•       Global: Service Capabilities Across Major Cross-Border Payment Infrastructure Providers, June 2026

•       Global: Competition Across Cross-Border Payment Networks Layer, June 2026

4.              Global Payment Economics, Business Models & Value Creation

4.1.           Payment Business Models & Industry Economics

•       Global: Impact of A2A Payments and Alternative Rails on Revenue Pools, April 2026

•       Global: A2A Payment Monet. Models, Fee Structures, Cost Allocation and Value-Added Services, April 2026

•       Global: Real-Time Paym. Business Models, Value Capture, Revenue Layers and Comp. Positioning, Apr 2026

•       Global: Payment Value Chain Profit Pools, Issuing, Acquiring, Processing, and Revenue Layers, April 2026

•       Global: Commercial Payment Revenue Distribution by Region, in % of Total Payment Revenues, 2024

•       Global: Consumer Payment Revenue Distribution by Region, in % of Total Payment Revenues, 2024

•       Global: Revenue Structure and Monetization Mechanisms Across Card and A2A Payment Models, April 2026

•       Global: A2A Payments and Multi-Rail Infrastructure Development, April 2026

•       Global: Multi-Rail Payment, Orchestration Adoption, Infrastructure Positioning, and Revenue Models, Apr 2026

•       Global: Merchant Payment Acceptance Costs for Card-Based and A2A Transactions, April 2026

•       Global: Card Type Identified as Most Likely to Be Impacted by A2A Payments, in % of Paym. Executives, 2025

•       Global: Merchant Acceptance of Selected Payment Methods, in % of Respondents, 2023 & 2025e

4.2.           Cross-Border Payment Economics & Value Chains

•       Global: TAM of Wholesale and Retail Cross-Border Payments, in USD tn. and CAGR, 2024 & 2032f

•       Global: TAM of Non-Wholesale Cross-Border Payments, in USD tn. and CAGR, 2024 & 2032f

•       Global: B2C Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f

•       Global: B2B Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f

•       Global: C2B Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f

•       Global: C2C Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f

•       Global: Cross-Border Payment Flows by Use Case, in USD trillions and % of Total Share, 2025

•       Global: Cross-Border Payment Revenues by Use Case, in USD billions and % of Total Share, 2025

•       Global: Cross-Border Payment Take Rates by Use Case, in % of Cross-Border Payment Flow Value, 2025

•       Global: Large Enterprise Cross-Border B2B Payments Market Size, in USD trillions and CAGR, 2024 & 2032f

•       Global: SMB Cross-Border B2B Payments Market Size, in USD trillions and CAGR, 2024 & 2032f

•       Global: Cross-Border Payment Fee Structures and Transaction Friction Across Major Corridors, June 2026

•       Global: Settlement Delays, Intermediary Complexity, and Liquidity Constraints in Intern. Payments, June 2026

•       Global: Infrastructure Factors Influencing Cost and Efficiency Across Major Payment Corridors, June 2026

5.              Global Payment Infrastructure, Connectivity & Interoperability

5.1.           Payment Infrastructure Modernization

•       Global: Volume of Non-Cash B2B and B2C Payments, in billions and CAGR, 2007, 2014, 2023-2025f, 2029f

•       Global: Share of Non-Cash Transaction Volume by Payment Instrument, in %, 2023 - 2024e & 2029f

•       Global: Share of E-Commerce Transaction Value by Payment Method, in %, 2024 & 2030f

•       Global: Correspondent Banking, RTP-Based Payment Models, and Cross-Border Infrastr. Trends, June 2026

•       Global: RTP System Expansion, Transaction Growth, and Cross-Border Connectivity Initiatives, June 2026

•       Global: Cross-Border RTP Linkages, Payment-System Interoperability, and Infrastr. Connectivity, June 2026

•       Global: ISO 20022 Adoption and Interoperability Development Across Payment Systems, June 2026

•       Global: ISO 20022 Standardization and Payment Data Harmonization, June 2026

•       Global: SWIFT Infrastr. Modernization, ISO 20022 Migration, and Transaction Data Standardization, June 2026

•       Global: API-Based Financial Infrastructure and Embedded Payment Integration, June 2026

•       Global: Banking-as-a-Service and API Ecosystem Expansion in International Payments, June 2026

•       Global: Strategic Expansion of API-Based Payment Infrastructure Providers, June 2026

•       Global: Payment Orchestration Layers and Intelligent Routing Infrastructure, June 2026

•       Global: Multi-Rail Payment, Transaction Routing Complexity, and Payment Method Fragmentation, June 2026

•       Global: Digital Wallet Connectivity, Multi-Currency Payment, and Cross-Border Payment Integration, June 2026

5.2.          Interoperability & Cross-Border Connectivity

•       Global: Cross-Border A2A Payment Limitations and Card Network Dominance, April 2026

•       Europe: SEPA Instant Credit Transfer Usage Patterns Across Retail Transactions, May 2026

•       Europe: Open Banking and Account-to-Account Payment Development Across Retail Transactions, May 2026

•       Europe: Development and Rollout of EPI's Wero Payment System, May 2026

5.3.          Infrastructure Adoption & Implementation Challenges

•       Global: Success Factors Behind UPI and Pix, Policy Mandates, Cost Structures, and Infrastr. Design, Apr 2026

•       Global: Open Banking Payment Adoption Barriers, Merchant, Consumer, and Regulatory Constraints, Apr 2026

•       U.S.: Structural Barriers to Real-Time and A2A Payment Adoption, April 2026

6.              Global Digital Identity & Trust Infrastructure

6.1.           Identity Infrastructure Overview

•       Global: Structural Drivers Supporting Digital Identity Modernization, July 2026

•       Global: Identity, Authentication, and Trust Across Digital Ecosystems, July 2026

•       Global: Competitive Positioning Across Identity Ecosystems, July 2026

6.2.           Digital Identity Market & Adoption

•       Global: Enterprise Demand Across Digital Identity Solution Categories, July 2026

•       Global: Enterprise Adoption of Digital Identity Infrastructure Across Industry Sectors, July 2026

•       Global: Sector-Level Investment Drivers for Digital Identity Infrastructure, July 2026

•       Global: Enterprise Identity Orchestration Across Hybrid Digital Environments, July 2026

•       Global: Identity Governance Frameworks Supporting Enterprise Digital Trust, July 2026

6.3.           Identity Architecture & Trust Frameworks

•       Global: Evolution of Identity Models and Authentication Frameworks, July 2026

•       Global: Centralized, Federated, and Decentralized Identity Architecture Models, July 2026

•       Global: Applications of Digital Identity Infrastructure Across Commerce, Finance, and Government, July 2026

•       Global: Digital Trust Frameworks Supporting Cross-Sector Digital Ecosystems, July 2026

•       Global: Identity Portability, Credential Reusability, and Interoperability, July 2026

6.4.           Authentication & Identity Verification

•       Global: Awareness of Passkeys Among Consumers, in % of Respondents, April 2026

•       Global: Consumer Adoption of Passkeys Across Digital Accounts, in % of Respondents, April 2026

•       Global: Consumers Who Enabled Passkeys on at Least Some Accounts, in % of Respondents, April 2026

•       Global: Consumer Preference and Usage Frequency of Passkeys, in % of Respondents, April 2026

•       Global: Passkey Activity at Employers, in % of Employed Respondents, April 2026

•       Global: Employees Reporting Passkey Activity at Their Employer, in % of Employed Respondents, April 2026

•       Global: Leading Drivers for Considering or Implementing Passkeys, in % of Organizations With Active Passkey Consideration or Adoption, April 2026

•       Global: Primary Workforce Sign-In Method Used by Employees, in % of Organizations, April 2026

•       Global: Developments in Multi-Factor Authentication, Enterprise Adoption, and Regulatory Requir., July 2026

•       Global: Biometric Authentication Adoption Across Digital Services, July 2026

•       Global: Continuous Identity Trust Assessment Across Enterprise Digital Ecosystems, July 2026

•       Global: Risk-Based Authentication Decision Frameworks Across Digital Card Payment Ecosystems, July 2026

6.5.           Digital Credentials & Identity Wallets

•       Global: Government Digital Identity Programs and National Identity Platforms, July 2026

•       Global: Platform-Based Identity Ecosystems Including Apple, Google, and Microsoft, July 2026

•       Global: Mobile Driver's License Ecosystem And Digital Identity Wallet Integration, July 2026

•       Global: Digital Identity Wallets Supporting Authentication, Payments, And Reusable Credentials, July 2026

•       Global: Digital Payment Credentials Supporting Credential Provisioning and Lifecycle Management, July 2026

•       Global: Digital Credential Adoption Across Financial, Travel, Healthcare, And Professional Services, July 2026

6.6.           Identity Infrastructure for Payments & Commerce

•       Global: Digital Identity Applications Across Customer Onboarding and Account Opening Processes, July 2026

•       Global: Authentication Methods Used in Digital Payment Transaction, July 2026

•       Global: Digital Identity Infrastructure Supporting Open Banking and Open Finance Ecosystems, July 2026

•       Global: Embedded Finance Infrastructure Supporting Platform-Based Financial Services, July 2026

•       Global: Digital Identity Verification and Authent. in Cross-Border Payment Compliance Processes, July 2026

•       Global: Organizational Identity Infrastructure for Cross-Border Business and Digital Trade, July 2026

•       Global: KYB Infrastructure Across Merchant Acquiring and Platform Commerce Ecosystems, July 2026

•       Global: Continuous Merchant Monitoring Across Digital Commerce, July 2026

•       Global: Network Tokenization and Identity-Based Payment Security Infrastructure, July 2026

6.7.           Digital Identity Business Value & Identity Economics

•       Global: Cost of Customer Onboarding Across Banking, Payments, and Financial Services, July 2026

•       Global: Likelihood of Abandoning a Purchase or Account Sign-In Due to a Forgotten Password, in % of Cons., April 2026

•       Global: Compliance Cost Optimization Through Digital Identity Infrastructure, July 2026

•       Global: Business Value Drivers of Digital Identity Investments Across Industries, July 2026

7.            Global Settlement, Liquidity & Digital Money Infrastructure

7.1.         Treasury, Liquidity & Foreign Exchange Infrastructure

•       Global: Treasury Optimization, Liquidity Management, and International Payment Operations, June 2026

•       Global: Foreign Exchange Infrastr., Liquidity Management, and Cross-Border Payment Efficiency, June 2026

•       Global: Treasury Modernization, Multi-Currency Liquidity Management, and Automated FX Routing, June 2026

7.2.         Settlement Performance & Payment Efficiency

•       Global: Wholesale Cross-Border Payments Credited Within One Hour and One Busin. Day, in %, 2023 - 2025

•       Global: Retail Cross-Border Payments Credited Within One Hour and One Business Day, in %, 2023 - 2025

•       Global: Availability of Cost and Speed Inform. Across Retail Cross-Border Payment Services, in %, 2023 - 2025

7.3.         Tokenized Settlement & Digital Money Infrastructure

•       Global: Traditional and Stablecoin-Based Cross-Border Settlement Infrastructure, June 2026

•       Global: Stablecoin Adoption, Tokenized Settlement Development, and International Payment Infr., June 2026

•       Global: CBDC Pilot Programs, Tokenized Settlement Networks, and Cross-Border Payment Exper., June 2026

•       Global: Project mBridge Cross-Border Transactions Values, in USD billions, 2022 & 2025

•       Global: Atomic Settlement Models, Tokenized Money Infrastructure, and Next-Generation Payment, June 2026

•       Global: Tokenized Cross-Border Payment Infrastructure Cost Savings, in USD bil. and CAGR, 2026e - 2030e

8.            Global Stablecoins & Digital Money Infrastructure

8.1.         Stablecoin Market Overview

•       Global: Evolution of Stablecoins from Digital Assets to Payment and Settlement Infrastructure, June 2026

•       Global: Stablecoin Ecosystem Overview, July 2026

•       Global: Key Drivers of Stablecoin Adoption, July 2026

•       Global: Stablecoins Within the Broader Digital Money Landscape, June 2026

8.2.         Stablecoin Ecosystem & Market Development

•       Global: Stablecoin Market Capitalization and Leading Stablecoins, July 2026

•       Global: Stablecoin Market Size and Estimated Growth Scenarios, in USD billions, 2020 - 2025 & 2030f

•       Global: Stablecoin Transaction Activity by Volume Category, in USD trillion, 2025

•       Global: Distribution of Stablecoin Market Share Between Tether & Circle, and Other Issuers, in %, 2026

•       Global: Stablecoin Types and Reserve Structures, July 2026

•       Global: Issuers, Custodians, Wallet Providers, Payment Processors, and Liquidity Providers, July 2026

•       Global: Stablecoin Payment Functional Architecture, June 2026

•       Global: Settlement and Orchestration Infrastructure Supporting Stablecoin Transactions, June 2026

•       Asia-Pacific: Enterprise Infrastructure Supporting Stablecoin Payment and Settlement Ecosystems, July 2026

8.3.         Stablecoin Economics & Business Models

•       Global: Revenue Models of Stablecoin Issuers, July 2026

•       Global: Stablecoin Reserve Management and Issuer Economics, June 2026

•       Global: Cost Structures Compared to Traditional Payment Infrastructure, July 2026

•       Global: Factors Supporting Stablecoin Business Model Sustainability, July 2026

8.4.         Stablecoin & Payment Infrastructure

•       Global: ACH Networks and Stablecoin Payment Infrastructure, July 2026

•       Global: Stablecoins and Real-Time Payment Systems, July 2026

•       Global: Stablecoins and SEPA Instant Payment Networks, July 2026

•       Global: Stablecoins & Traditional Payment Infrast. Compared Across Operational Characteristics, June 2026

8.5.         Stablecoin Payment & Settlement Applications

•       Global: Annualized Stablecoin Payment Volumes by Payment Category, in USD billion, 2025

•       Global: Stablecoin Payment Penetration by Payment Segment, in %, 2025

•       Global: Share of Annualized Stablecoin Payment Volume by Transaction Category, in %, 2025

•       Global: Cross-Border B2B Stablecoin Transaction Value, in USD billions, 2026 & 2035f

•       Global: Stablecoin Payroll and Remittance Payments, in USD trillion, 2025

•       Global: Origin of Annualized Stablecoin Payment Volumes by Region, in USD billion, 2025

•       U.S.: Share of Merchants Accepting Cryptocurrency Payments, in %, 2026

•       U.S.: Share of Merchants Accepting Cryptocurrency Payments by Company Size, in %, 2026

•       U.S.: Reported Benefits of Accepting Cryptocurrency Payments Among Merchants, in %, 2026

•       U.S.: Projected Stablecoin-Enabled Retail Payment Volumes, in USD billion, 2026f - 2030f

8.6.         Stablecoin Institutional Adoption & Global Market Development

•       Global: Banks and Financial Institutions Expanding Stablecoin Infrastructure, June 2026

•       Global: Payment Providers and PSP Stablecoin Initiatives, June 2026

•       Global: Stablecoin Infrastructure Partnerships Across Payment Ecosystems, June 2026

•       Global: Stablecoin Adoption Across Commerce and Financial Services, June 2026

•       Global: Stablecoin Treasury Capabilities Supporting International Business Operations, June 2026

•       Global: Stablecoin Integration Across Commercial Payment Infrastructure, June 2026

•       Global: Cross-Border Settlement Deployments and Operational Implementations, June 2026

•       Global: Top Stablecoin Use Cases of Interest Over the Next Five Years, in % of Surveyed Organizations, 2025

•       Asia-Pacific: Stablecoin Strategies for Cross-Border Payment Infrastructure, July 2026

•       Asia-Pacific: Digital Money Strategies in South Korea and India, July 2026

•       Singapore: Institutional Stablecoin Infrastructure and Tokenized Finance, July 2026

•       Middle East: Institutional Stablecoin Payment Infrastructure Development, July 2026

•       Middle East: Institutional Digital Financial Infrastructure and Tokenization, July 2026

•       Latin America: Stablecoin Adoption Across Cross-Border Payments and Treasury Operations, July 2026

•       Africa: Stablecoin Adoption Drivers Across Cross-Border Payment Markets, July 2026

•       Africa: Financial Institutions & Payment Infrastructure Supporting Stablecoin Payments & Settlement, July 2026

8.7.         Stablecoin in Digital Commerce

•       Global: Merchant Acceptance and Commerce Enablement, July 2026

•       Global: Merchant Economics of Stablecoin Payments, July 2026

•       Global: Stablecoins Supporting Cross-Border E-Commerce, July 2026

•       Global: Digital Commerce Platforms Expanding Stablecoin Payment Capabilities, July 2026

8.8.         Stablecoins & Digital Money Models

•       Global: Stablecoins, Tokenized Deposits, and Blockchain-Based Settlement Models, June 2026

•       Global: Commercial Bank Money Tokens and Deposit Token Initiatives, June 2026

•       Global: Stablecoins Compared with Central Bank Digital Currencies, June 2026

•       Global: Programmable Money Infrast. Across Stablecoins, CBDCs, and Tokenized Money Systems, June 2026

9.           Global AI Infrastructure & Intelligent Payment Systems

9.1.        AI Across Payment Ecosystems

•       Global: Overview of AI Use in Payments, June 2026 (1 of 3)

•       Global: Overview of AI Use in Payments, June 2026 (2 of 3)

•       Global: Overview of AI Use in Payments, June 2026 (3 of 3)

•       Global: Overview of AI and Machine Learning in Payments, June 2026 (1 of 2)

•       Global: Overview of AI and Machine Learning in Payments, June 2026 (2 of 2)

•       Global: AI-Driven Fraud Prevention and Risk Management in Financial Services, June 2026

•       Global: AI-Optimized Payments, Risk Management, and Customer Experience, June 2026

•       Global: AI Collaboration and Future Innovations in Payments, June 2026

•       Global: AI and Crypto Applications Tackle Cart Abandonment and Digital Checkout Friction, June 2026

•       Global: Challenges And Risks of AI Use in the B2C E-Commerce And Online Payments Industry, June 2026

•       Global: Use Cases of AI and Machine Learning in Payments, in % of Payment Professionals, 2023e

•       Global: Top Challenges With Applying Generative AI in Banking, in % of C-Suite Executives, October 2023

•       Global: Value of AI in Payments, in USD billion, 2023 & 2031f

•       Global: Long-Term Implications for Cross-Border Transaction Infrastructure, June 2026

9.2.         Intelligent Payment Operations & Automation

•       Global: AI-Driven Transaction Routing and Intelligent Payment Optimization Systems, June 2026

•       Global: AI in Treasury Operations, Liquidity Forecasting, and FX Management, June 2026

•       Global: AI-Powered Fraud Detection and Transaction Monitoring in Cross-Border Payments, June 2026

•       Global: Operational Automation Across International Payment Compliance Systems, June 2026

•       Global: ML Infrastructure, Real-Time Risk Scoring, Sanctions Monit., and Financial Crime Detection, June 2026

•       Global: Adoption of Innovative Payment Technologies by Banks & PayTechs, in % of Exec. Reporting Technologies Already Deployed, 2025

•       Global: Prioritization of Payment Industry Initiatives by Banks & PayTechs, in % of Executives Surveyed, 2025

•       Global: Merchant Expectations Versus Banks’ Reported Capability Levels Across Payment Infrastructure Services, in % of Respondents, 2025

9.3.          AI-Driven Fraud & Emerging Threats

•        Global: AI-Enabled Phishing, Social Engineering Acceleration, and AI-Driven Fraud Det. in Payments, March 2026

•        Global: Performance and Efficiency Comparison of AI-Enabled and Traditional Crypto Scams, March 2026

•        Global: Share of AI-Enabled Crypto Scams Concentrated in High-Value / High-Volume Activity, in % of Scams, 2025

•        Global: Impact of Service-Based Scam Supply Chains on Fraud Scalability, Transaction Effectiveness, and Operational Intensity, March 2026

•        Global: Evolution of Fraud Techniques, Detection Processes, and AI-Enabled Risk Management Practices, March 2026

•        Global: Share of Consumers Who Are “Very Confident” in Identifying AI-Generated Threats or Scams, in % of Respondents, 2025

•        Global: Adoption of Generative AI in Fraud Prevention by Banks, in % of Respondents, March - April 2025

•        Global: Perceived Use of Generative AI in Voice-Cloning Fraud, in % of Respondents, March- April 2025

•        Global: Expected Impact of AI-Driven Behavioral Analytics on Fraud Prevention, in % of Resp., March - April 2025

9.4.          AI-Driven Fraud Prevention & Security

•        Global: Adoption and Primary Use Cases of AI-Enabled Tools for Cybersecurity, in % of Resp., August - October 2025

•        Global: Behavioral AI Adoption and Enterprise Deployment Challenges in Fraud Detection Sys., March 2026

•        Global: Top Use Cases of AI in Fraud and Financial Crime Prevention by Financial Institutions, in % of Resp., March - April 2025

•        Global: Duration of AI Use in Fraud Prevention by Financial Institutions, in % of Resp., March - April 2025

•        Global: Adop. of AI for Fraud and Financial Crime Prevention by Financial Institutions, in % of Resp., March - April 2025

•        Global: Leading Challenges in AI Deployment for Fraud and Financial Crime Prevention, in % of Resp., March - April 2025

•        Global: Reported Impact of AI Adoption on False Positives in Fraud and Financial Crime Prevention, in % of Resp., March - April 2025

•        Global: Reported Impact of AI Adoption on Fraud Loss Reduction, in % of Respondents, March - April 2025

•       Global: Criminal Use of Generative AI in Fraud and Scam Activities, in % of Respondents, March - April 2025

•        Global: Fraud Prevention Technologies, in % of Business Leaders Ranking Each Among the Top Three Most Effective, May - June 2025

•        Global: Key Barriers to AI Implementation in Cybersecurity, in % of Respondents, August - October 2025

•        Global: Organizations with a Process to Assess the Security of AI Tools Before Deployment, in % of Resp., 2025 - 2026

•        Global: AI Security Reviews Before Deployment, by Organizational Resilience Level, in % of Resp., August - October 2025

•        Global: Share of Consumers More Trusting of AI-Based Security Than Human-Monitored Security by Generation, in % of Respondents, 2025

10.            Global AI Commerce & Consumer Transformation

10.1.        Consumer Adoption & Trust in AI Commerce

•       Global: Consumer Openness to Generative AI in Shopping, in % of Consumers, 2024

•       Global: Consumer Interest in AI E-Commerce Features, in % of Respondents, 2025

•       Global: AI Usage by Consumer Shopping Category, in % of Respondents, February 2026

•       Global: AI Usage Across the Shopping Journey by Task, in % of Respondents, February 2026      

•       Global: Role of AI in Initial Product Discovery and Decision-Making, April 2026  

•       Global: Impact of AI on Brand Influence and Purchase Decision Criteria in Retail, April 2026

•       Global: Key Consumer Concerns About Agentic AI in Commerce, in % of Respondents, Aug 2025

•       U.S.: Consumer Trust in AI Sources for Executing the Entire Shopping Experience, in % of Resp., Sep 2025

•       Europe: Gen AI Usage in the Awareness Stage of the Shopping Journey, in % of Respondents, December 2025

•       Europe: Gen AI Usage in the Consideration and Purchase Stage of the Shop. Journey, in % of Resp., Dec 2025

•       Europe: Gen AI Usage in the Postpurchase Stage of the Shopping Journey, in % of Resp., December 2025

•       Europe: Consumer High Comfort with AI Tool Autonomy During the Shopping Journey, in % of Resp., Dec 2025

•       Europe: Consumer Low Comfort with AI Tool Autonomy During the Shopping Journey, in % of Resp., Dec 2025

•       APAC: Consumer Usage of Offline, Digital, & AI Channels for Product Discovery, in % of Resp., 2024

•       APAC: Consumer Usage of Offline, Digital, & AI Channels for Product Research, in % of Resp., 2024

10.2.        AI Discovery, Search & Traffic Transformation

•       U.S.: YoY Change in Organic Search and Gen AI Retail Traffic, in %, 2024-2025

•       US & Canada: Year-Over-Year Growth in E-Commerce Traffic by Source, in %, January - December 2025

•       Europe: Share of AI-Driven Search Visits in Total Organic Traffic, in %, Early 2024 - End of 2026

•       Europe: Share of LLM Referral Traffic in Total Website Traffic, in %, Late 2025 - Late 2026

•       Europe: Year-Over-Year Growth in LLM Referral Traffic by Retail Sector, in %, Sep 2024 - Sep 2025

•       Europe: Year-over-Year Growth in Traffic by Source in the Fashion and Sport, in %, Sep 2024 - Sep 2025

•       Europe: Year-over-Year Growth in Traffic by Source in the Luxury, in %, Sep 2024 - Sep 2025

•       Europe: Year-over-Year Growth in Traffic by Source in the Specialty Retail, in %, Sep 2024 - Sep 2025

•       Europe: Year-over-Year Growth in Traffic by Source in the Marketpl. (Exc. Amazon), in %, Sep 2024 - Sep 2025

•       Europe: Year-over-Year Growth in Traffic by Source in the Marketpl. (inc. Amazon), in %, Sep 2024 - Sep 2025

•       Europe: YoY Growth in Traffic by Source in Direct-to-Cust. and Brand-Owned Web., in %, Sep 2024 - Sep 2025

•       Europe: Year-over-Year Growth in Traffic by Source in the Omnichannel Retail, in %, Sep 2024 - Sep 2025

•       Europe: Year-over-Year Growth in Traffic by Source in the Mass Retail, in %, Sep 2024 - Sep 2025

•       U.S.: ChatGPT Retail Referrals by Volume and Share, in Mill. Visits and % of Total Refer., Oct 2024 - Oct 2025

•       UK: ChatGPT Retail Referrals by Volume and Share, in Mill. Visits and % of Total Refer., Oct 2024 - Oct 2025

•       Germany: ChatGPT Retail Refer. by Volume and Share, in Mill. Visits and % of Total Refer., Oct 2024 - Oct 2025

•       France: ChatGPT Retail Referrals by Volume and Share, in Mill. Visits and % of Total Refer., Oct 2024 - Oct 2025

10.3.        Structural Transformation of Digital Commerce

•       Global: AI/LLM-Driven Disruption Risk in Retail and E-Comm. Consumer Journeys, in Score, June - Sep 2025

•       Global: AI Shopping Agents, Product Discovery Behavior and Purchase Delegation Trends, March 2026

•       Global: Structural Changes in the Consumer Shopping Journey with AI Integration, April 2026  

•       Global: E-Commerce Platform Dynamics, Traffic Ownership and Merchant Visibility, March 2026

•       Global: Retailer Strategic Approaches to AI Integration in Commerce, April 2026

•       Global: Winners in AI Platforms and Infrast. vs. Risks for Marketplaces and SEO-Driven Retailers, April 2026

•       Europe: Consumer Use of AI in Shopping Journeys, Trust and Delegation, March 2026

•       Europe: Consumer Trust in AI-led Shopping Actions and Delegation Boundaries, March 2026

11.         Global Agentic Commerce & Autonomous Transaction Systems

11.1.      Agentic Commerce Evolution & Enterprise Adoption

•       Global: Evolution of AI-Assisted, Delegated, and Autonomous Transaction Models, May 2026

•       Global: AI-Mediated Commerce, Delegated Purchasing, and Autonomous Transaction Execution, May 2026

•       Global: Evolution from Assisted Discovery to Autonomous Purchasing Across the Commerce Journey, May 2026

•       Global: Organizations Using AI in at Least One Business Function, in % of Respondents, 2023 - 2025

•       Global: Key Developments in Agentic and Generative AI across Banking Segments, May 2026  

•       Global: Autonomous Economic Agents and Machine-to-Machine Commerce Systems, May 2026

•       Global: Shift from Payment Execution to Permission, Trust, and Programmable Transaction Logic, May 2026

•       Global: Strategic Positioning Across AI Platforms, Payment Infrastructure, & Commerce Ecosystems, May 2026

•       Global: AI Shopping Interfaces, Product Discovery Systems, & Commerce Integration Frameworks, May 2026

•       Global: AI-Orchestrated Customer Interaction, Transaction Coordination, & Commerce Workflow, May 2026

•       U.S.: Current State of Agentic AI Technology Adoption Among Enterprises, in % of Respondents, Dec 2025

•       U.S.: Share of Enterprises Rating Gen AI Tasks by Strategic Impact Level, in % of Resp., December 2025

•       U.S.: Share of Enterprises by Level of Gen AI Task Autonomy, in % of Ent. Performing Each Task, Dec 2025

•       U.S.: Share of Enterprises by Preferred Gen AI Platform Provider, in % of Respondents, December 2025

•       U.S.: Enterprise Agreement with Select Statements on Gen AI Strategic and Risk Imp., in % of Resp., Dec 2025

•       U.S.:  AI Use in Finance by Function, Leadership Role, and Governance Priorities, May 2026

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

11.2.      Autonomous Commerce Infrastructure & Interoperability

•       Global: Real-Time Payments, Open APIs, Tokenization, and Interoperable Commerce Infrastructure, May 2026

•       Global: Technology Foundations for Agentic Commerce, Protocols and Platform Integrations, May 2026

•       Global: AI-Commerce Protocols and Interoperability Standards, May 2026

•       Global: Cloud Infrastructure, AI Compute Scaling, and Commerce Processing Capacity Expansion, May 2026

•       Global: Merchant Readiness Across API Checkout and AI-Compatible Commerce Infrastructure, May 2026

•       Global: Payment Processing Steps, System Dependencies, and Authorization Decision Layers, May 2026

•       U.S.: Digital Wallet Adoption Trends, May 2026

•       U.S.: AI Infrastructure Scaling and Investor Confidence, May 2026

•       Europe: AI Wallet Mergers, P2P Expansion, and Digital Euro Integration, May 2026

•       Europe: AI in Open Banking for Risk Control, Value Services, and Infrastructure Efficiency, May 2026

•       Europe: Cloud Dependency, Modular AI Architecture, and Strategic Investment Priorities, May 2026

•       UK: Open Banking, API Ecosystems, and AI Payment Innovation, May 2026

•       China: Mobile Wallet Penetration, Digital Infrastructure, and Consumer Adoption, May 2026

•       Africa: Digital Infrastructure, Data Center Expansion, and Governance Models for AI Deployment, May 2026

11.3.      AI Agents & Autonomous Commerce Applications

•       Global: Autonomous Shopping Agents, Purchase Delegation, and AI-Assisted Commerce Workflows, May 2026

•       Global: Conversational Commerce and AI-Assisted Purchase Journeys, May 2026

•       Global: Agentic Commerce, Automated Payment Journeys, and Emerging Authentication Impli., May 2026

•       Global: Multi-Rail Payment Routing, Transaction Orchestration, and Automated Execution Infrastr., May 2026

•       Global: Checkout Infrastr., Transaction Gateways, and Commerce Execution Layer Competition, May 2026

•       Global: Subscription Automation and Autonomous Recurring Commerce Models, May 2026

•       Global: AI Procurement Agents and Autonomous Vendor Coordination Systems, May 2026

•       Global: B2B Payments with Embedded Finance, APIs, AI, and Credit Tools, May 2026

•       Global: Autonomous Commerce Use Cases Across Retail, Travel, and Digital Services, May 2026

•       U.S.: AI-Driven Shopping Capabilities, Virtual Card Integration, and Adoption Barriers in Payments, May 2026

•       Asia: AI Applications in Credit Inclusion, Finance Automation, and Procurement Innovation, May 2026  

•       Asia: AI-Driven Cloud Banking, Investment Analytics, and Vertical B2B Financial Solutions, May 2026

•       UAE: AI Integration Across Aviation, Retail, Financial Services, Logistics, and Telecommunications, May 2026

11.4.      Autonomous Payment Execution & Transaction Architecture

•       Global: Spending Thresholds, Approval Hierarchies, and Programmable Transaction Permissions, May 2026

•       Global: Human Oversight, Consent Persistence, and Delegated Spending Governance, May 2026

•       Global: Payments, Authorization and Agent-led Checkout, May 2026

•       Global: AI Transaction Architecture Across Identity, Authorization, Payment, and Risk Infrastructure, May 2026

•       Global: Agent Wallets, Persistent Credentials, and Portable Transaction Identity Infrastructure, May 2026

•       Global: AI Use Cases in Tokenized Payments, Digital Identity & Agentic Commerce, May 2026

•       Global: Programmable Money Infrastructure Across Stablecoins, CBDCs, and Tokenized Payments, May 2026

•       Global: Cross-Border RTP Connectivity, Interoperability, and Automated Payment Systems, May 2026

•       Europe: Digital Euro, MiCA Regulation, Innovation Framework, and AI-Driven Payments, May 2026

•       APAC: AI Integration, Stablecoin Cards, Tokenised Transfers, and Micro-Merchant Access, May 2026

•       APAC: AI-Powered Commerce Integration, Agent-Led Payments, & Payment Network Positioning, May 2026

•       China: Alipay and WeChat Pay Global Expansion and Cross-Border Usage Trends, May 2026

•       Latin America: Cross-Border Payments and E-Commerce, May 2026

•       Africa: Rising Remittances, Payment Inefficiencies, Stablecoins, and AI-Driven Financial Inclusion, May 2026

11.5.      Agentic Commerce Market Development & Strategic Outlook

•       Global: Adoption of Model Context Protocol by Major Tech and Payment Platforms, June 2025

•       Global: Platform Strategies for AI-led Commerce Distribution and Merchant Access, March 2026

•       Global: Competition Between Integrated Ecosystems and Open Commerce Infrastructure Models, April 2026

•       Global: AI-Led Discovery, Externalized Product Comparison, and Platform-Based Transactions, April 2026

•       Global: AI-Driven Product Selection and Pre-Retailer Decision Influence, April 2026

•       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: Expected Timing of AI Becoming Mainstream in Shopping Use Cases, in % of Resp., Oct - Nov 2025

•       Global: Shift in Visibility, Conversion Drivers, and Differentiation Beyond Owned Channels, April 2026

•       Global: Retail / E-Comm. Channel Mix by AI Discovery Disruption Risk, in % of Channel Share, June - Sep 2025

•       Global: Retailer Comm. AI Adop. by Use Case, Current & 12-Month Plan. Usage, in % of Resp., Oct - Nov 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: Enabling Efficiency, Personalization, and Trust with Agentic AI, June 2025

•       Global: Retail / E-Comm. Actions in Response to AI-Driven Discovery Changes, in % of Resp., June - Sep 2025

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

•       Global: Market Outlook for Agentic Commerce, Revenue Potential and Adoption Path, March 2026

12.         Global Fraud, Cyber Risk & Digital Infrastructure Security

12.1.       Digital Trust & Fraud Risk Perceptions

•       Global: Share of Consumers More Concerned About Cyber Risks Than Two Years Ago, in % of Respondents, 2025

•       Global: Share of Consumers Who Believe Being Scammed Is Inevitable, in % of Respondents, 2025

•       Global: Share of Consumers Who Received a Scam Attempt in the Past 12 Months, in % of Respondents, 2025

•       Global: Consumer Exposure to Digital Fraud Attempts, in % of Respondents, May - June 2025

•       Global: Perceived Change in Selected Cyber Risk Categories, in % of Respondents, August - October 2025

•       Global: Consumer Perceptions of Digital Versus Physical Security, in % of Respondents, 2025

•       Global: Consumer Perceptions of Digital Security, AI-Driven Fraud Risks, and Reporting Barriers, March 2026

•       Global: Perceived Involvement of AI in Online Fraud Incidents, in % of Resp. Experienced Online Fraud or Scams, June - July 2025

•       Global: Self-Reported Belief in Deepfake Identification Ability, in % of Respondents, 2024 - 2025

•       Global: CEOs’ Top Cybersecurity Concerns Related to GenAI, in % of Respondents, August - October 2025

•       Global: Evolution of Top Cybersecurity Concerns Related to GenAI, in % of Resp., 2024 - 2026

•       Global: Technologies with the Greatest Anticipated Impact on Cybersecurity in the Next 12 Months, in % of Resp., August - October 2025

•       Global: Online Payment Fraud Growth, Consumer Trust Responses, and Merchant Risk Management Implications, March 2026

•       Global: Fraud Reimbursement Expectations, Customer Trust Pressures, and Payment Provider Risk Ownership, March 2026

•       Global: Financial System Interdep., Supply-Chain Vulnerabilities, and Consumer Trust Pressures, March 2026

12.2.       Fraud Scale, Losses & Financial Exposure

•       Global: Value of E-Commerce Fraud Losses, in USD billions, 2024 & 2029f

•       Global: Financial Institution Fraud Loss Forecast, in USD billions, 2025 & 2030f

•       Global: Cumulative Card Payment Fraud Losses and Key Risk Drivers, March 2026

•       Global: Share of Annual Company Revenue Lost to Fraud, in % of Total Revenue, 2024 - 2025

•       Global: Digital Identity Fraud Trends, Consumer Scam Exposure, and Financial Institution Loss Fore., March 2026

•       Global: Rate of Suspected Digital Fraud, in % of Total Digital Transactions Evaluated, H1 2022 - H1 2025

•       Global: Digital Fraud Attempts, Account Takeover Activity, and Consumer Scam Exposure, March 2026

•       Global: AI-Driven Fraud Escalation and Payment Fraud Values Despite Customer Authen., March 2026

•       Global: Prevalence and Types of Cyber-Enabled Fraud Experienced in the Past 12 Months, in % of Resp., August - October 2025

•       Global: Exposure to Cyber-Enabled Fraud in the Past 12 Months, by Region, in % of Resp., August - October 2025

•       Global: Crypto Scam and Fraud Loss Estimates, Historical Revisions, and Structural Underestimation Risk, March 2026

•       Global: Average Value of Individual Crypto Scam Payments, in USD, 2024 - 2025

•       Global: Individual Crypto Scam Payments and Underlying Drivers of Transaction-Level Loss Escalation, March 2026

12.3.       Fraud Typologies, Attack Methods & Criminal Networks

•       Global: Primary Causes of Fraud Losses, in % of Business Leaders Rep. Each Fraud Type, May - June 2025

•       Global: Suspected Digital Fraud by Consumer Lifecycle Stage, in % of Stage-Level Transaction Attempts, May - June 2025

•       Global: Suspected Digital Fraud Rates by Industry, in %, May - June 2025

•       Global: Share of Consumers Who Engaged With Scam Attempts by Generation, in % of Respondents, 2025

•       Global: AI-Generated Impersonation, Synthetic Media, and Social Engineering in Online Fraud, March 2026

•       Global: Credential Abuse Trends, Identity Management Risks, and AI-Driven Commerce Developm., March 2026

•       Global: Growth Dynamics, Rising Payment Severity, and Convergence of Impersonation Tactics Across Crypto Scam Types, March 2026

•       Global: Shift in Laundering Channels and Off-Ramp Structures for Crypto Scam Proceeds, March 2026

•       Global: Multi-Rail Payment Expansion, Vulner. Exploitation Trends, and Ecosystem-Level Cyber Risk, March 2026

•       Global: Cybercrime-as-a-Service Expansion and Implications for Payment Fraud Risk Management, March 2026

•       Global: Criminal Data Marketplaces, Access Brokerage, and the Rise of Intelligence-Led Risk Management, March 2026

•       Global: Money Mule Recruitment, Rapid Funds Movement, and Industrialization of Scam Proceeds, March 2026

•       Europe: Authorised vs Unauthorised Payment Fraud Patterns and Reimbursement Implications, March 2026

•       Europe: Scam Typologies, Consumer Decision Dynamics, and Dispute Escalation Drivers, March 2026

•       Europe: Convergence of Payment Channels and Cross-Channel Fraud Threat Evolution, March 2026

•       Europe: Online Marketplaces, Counterfeit Trade, and Converging Criminal Supply Chains, March 2026

•       Europe: Organized Fraud Networks, Scam Supply Chains, and Industrialization of Financial Crime, March 2026

12.4.       Cross-Border Fraud, Operational Risk & Infrastructure Resilience

•       Global: Payment Fraud Losses, Scam Exposure, and Fraud Mitigation Challenges, June 2026

•       Global: Mule Networks, Authorized Push Payment Fraud, and International Scam Infrastructure, June 2026

•       Global: Share of Deepfake-Related Fraud Incidents by Financial Services Segment, in %, Sep 2024 - Sep 2025

•       Global: Fraud Rate by Financial Services Segment, in % of Suspected Rate, Sep 2024 - Sep 2025

•       Global: Share of New Account Fraud and Account Takeover Fraud in Total Fraud Incidents by Industry, in %, Sep 2024 - Sep 2025

•       Global: Share of Fraud Occurring After Customer Onboarding by Industry, in %, Sep 2024 - Sep 2025

•       Global: Cybersecurity Risks, Operational Resilience, and Infrastructure Protection, June 2026

•       Global: Third-Party Dependencies, Operational Risk, and Infrastructure Concentration, June 2026

12.5.         Fraud Economics, Liability & Prevention Costs

•       Global: Cyber Risk Complexity, Regulatory Pressure, and Security Investment Drivers, March 2026

•       Global: Fraud Liability Expansion and Rising Monitoring Costs in Payment Ecosystems, March 2026

•       Global: Cyber Threat Evolution, Regulatory Pressure, and Security Investment Drivers, March 2026

•       Global: Rising Scam Losses, Reimbursement Pressure, and the Growing Cost Burden of Fraud, March 2026

•       Global: Information Security Spending Expansion and Strategic Alignment with Digital Payment Growth, March 2026

•       Global: Estimated Contribution of Key Structural Drivers to Fraud Detection and Prevention Market Growth, in % of Impact on Forecast  CAGR, January 2026

•       Global: Estimated Negative Contribution of Key Implementation and Data Constraints to Fraud Detection and Prevention Market Growth, in % of Negative Effect on Forecast CAGR, January 2026

•       Global: AI-Driven Growth Drivers and Implement. Constraints in the Fraud Detection Market, March 2026

12.6.       Fraud Prevention Market & Security Investment

•       Global: IT Spending Growth, Software Expansion, and Payments Infrastructure Investment, March 2026

•       Global: Information Security End-User Spending Forecast, in USD billions, 2024, 2025f & 2026e

•       Global: Rising Cybersecurity Investment Priorities and Technology Spending Expansion, March 2026

•       Global: AI Adoption, Talent Shortages, and Growing Demand for Cybersecurity Solutions, March 2026

•       Global: Fraud Detection and Prevention Market Size Growth, in USD billions, and Compound Annual Growth Rate, 2026e & 2031f

•       Global: Estimated Share of Solution Platforms Versus Service Offerings, in % of Total Fraud Detection and Prevention Market Revenue, 2025

•       Global: Estimated Share of Fraud Detection and Prevention Market Revenue by Organization Size, in % of Total Market Revenue, 2025

12.7.         Identity Fraud, Verification & Digital Trust

•        Global: Identity Fraud Trends and Verification Challenges, July 2026

•        Global: Synthetic Identity Fraud, Detection Challenges, and Evolving Verification Requirements, July 2026

•        Global: Deepfake-Enabled Identity Fraud, AI-Generated Content, and Verification Challenges, July 2026

•        Global: Identity Verification Technologies, Assurance Mechanisms, and Digital Trust Frameworks, July 2026

•        Global: Identity Verification, Authentication, and Fraud Mitigation Across Digital Ecosystems, July 2026

•        Global: Consumer Experiences With Account Security and Credential Compromise, in % of Resp., April 2026

•        Global: Consumer Exposure to Account Security Incidents, in % of Respondents, April 2026

•        Global: Leading Initial Access Vectors in Non-Error and Non-Misuse Breaches, in % of Breaches, 2025

•        Global: Managed and Non-Managed Devices Containing Corporate Credentials, in % of Devices Identified in Infostealer Logs, 2025

•        Global: GenAI Service Account Credentials Used on Corporate Devices, in % of Accounts, 2025

•        Global: Human and Third-Party Dependencies in Digital Trust Ecosystems, in % of Breaches, 2025

13.          Global Governance, Regulation & Digital Public Infrastructure

13.1.       Payment Regulation, Standards & Governance

•       Global: G20 Cross-Border Payment Roadmap and International Coordination Efforts, June 2026

•       Global: Regulatory Reform, Cross-Border Payment Modernization, and Interoperability Develop., June 2026

•       Global: AML, KYC, and Transaction Monitoring Expansion Across Real-Time Payment Systems, June 2026

•       Global: Open Banking, Open Finance, and Cross-Border Data-Sharing Frameworks, June 2026

•       Global: Expanding Risk, Compliance, and Resilience Mandates Across the Payments Industry, March 2026

•       Global: Confirmation of Payee Frameworks, Trans. Integrity Controls, and Fast Payment Risk, March 2026

•       Global: Interactive Authorization, Payee Verification, and Instant Conf. in Fast Payment Ecosystems, March 2026

•       Global: Interoperability Standards, Data Governance, and Implem. in Payment Pre-Validation Sys., March 2026

•       Global: Payment Infra. Modernization, Interoperability Expansion, and Real-Time Risk Foundations, March 2026

•       Global: Instant Payment Expansion and the Transition Toward Real-Time Fraud Decisioning, March 2026

•       Global: Real-Time Risk Scoring and Authorization-Stage Decisioning in Modern Payment Systems, March 2026

•       Global: Continuous Verification and Behavioral Signals as a Core Control Layer for Digital Fraud, March 2026

•       Global: Cyber Threat, Operational Risk Management, and Infrast. Resilience in Fast Payment Sys., March 2026

•       Global: Cloud Concentration, Third-Party Dependencies, and Payment Infrastructure Resilience, March 2026

•       Global: Scenario Testing, Sector-Wide Exercises, and Standardized Incident Report. in Payment Infr., March 2026

•       Global: Incident Repor. Harmonization, Fraud Monitoring Expansion, and Payment Data Governance, March 2026

•       Global: Cross-Industry Collab. and Intelligence Sharing as Key Pillars of Modern Fraud Prevention, March 2026

•       Global: Organized Cybercrime Netw., Automated Fraud, and Cross-Border Criminal Supply Chains, March 2026

•       Global: Cross-Border E-Commerce, Small-Parcel Trade, and Merchant Risk Management Implications, March 2026

•       Global: Cross-Border E-Commerce Growth, Financial Crime Exposure, and Compliance Pressure, March 2026

•       Global: Cashless Payment Expansion and Implications for Fraud Exposure, March 2026

•       Global: Payment Modernization, Systemic Interdependence, and Coordinated Fraud and Cyber Resilience, March 2026

•       Europe: Verification of Payee Frameworks and Pre-Validation Controls in Instant Payments, March 2026

•       Europe: Strong Customer Authentic., Fraud Reduction Effect, and Fraud Displacement Dynamics, March 2026

•       Europe: Authentication Integration into Payment Infrastructure Resilience and Cyber Risk Governance, March 2026

13.2.       Digital Public Infrastructure & Digital Governance

•       Global: Digital Public Infrastructure and Its Role in Digital Identity Ecosystems, July 2026

•       Global: Interoperability Layers Enabling Digital Public Infrastructure Ecosystems, July 2026

•       Global: Regulatory Approaches Toward Stablecoins and Digital Settlement Infrastructure, June 2026

•       Global: Reserve Transparency and Risk Management Frameworks, July 2026

•       Global: Top Organizational Barriers to Stablecoin Adoption, in % of Surveyed Organizations, 2025

•       Global: Key Risks and Adoption Constraints, June 2026

•       U.S.: Payment Stablecoin Policy Developments, June 2026

•       Europe: Development of the European Digital Identity Framework and EUDI Wallet Ecosystem, July 2026

•       Europe: MiCA and Stablecoin Regulation, June 2026

13.3.       AI Governance & Regulatory Frameworks

•       Global: Regulatory Challenges in AI-Executed Transactions and Autonomous Commerce, May 2026

•       Global: AI Governance Challenges, Centralized Strategies, and Leadership Roles in Payment Firms, May 2026

•       Global: Explainable AI and Model Governance Requirements in Financial Crime Analytics, May 2026

•       Europe: GPAI-Driven Consumer Risks from Accountability Gaps, Data Bias, and Manipulation, May 2026

•       Europe: AI Act, Regulatory Sandboxes, Testing Environments, and Data Space Strategy, May 2026

•       Europe: AI Transparency, Third-Party Oversight, ICT Risk, and Ethical Use Requirements, May 2026

•       Europe: GPAI Explainability Limits, ICT Risks, and Talent Shortages in Banking Sector, May 2026

•       Europe:  AI Act Risk Model, E-Commerce Adoption, and Early Implementation via AI Pact, May 2026

•       Asia: AI Sandboxes and Capacity-Building Programs in Four Economies, May 2026

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

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

•       APAC: Financial Crime Regulation, Synthetic Identity Laundering, and AI Compliance Strategy, May 2026

•       APAC: AI Strategy in Anti-Financial Crime, Predictive Capabilities, and Governance Priorities, May 2026

•       Latin America: Regulatory Gaps, Local Frameworks, Regional Coordination, and AI Governance, May 2026

•       Latin America & The Caribbean: Responsible AI Initiatives, Policy Challenges, Regulatory Needs, and Data Governance Gaps, May 2026

•       MENA: AI Regulation in Finance via Ethics Principles, Data Laws, and Innovation Sandboxes, May 2026

14.          Regional Digital Commerce Infrastructure

14.1.       Regional Infrastructure Development

•       North America: Volume of Non-Cash B2B and B2C Payments, in bl. and CAGR, 2007, 2014, 2023-2025f, 2029f

•       Europe: Volume of Non-Cash B2B and B2C Payments, in billions and CAGR, 2007, 2014, 2023-2025f, 2029f

•       APAC: Volume of Non-Cash B2B and B2C Payments, in billions and CAGR, 2007, 2014, 2023-2025f, 2029f

•       Latin America: Volume of Non-Cash B2B and B2C Payments, in bl. and CAGR, 2007, 2014, 2023-2025f, 2029f

•       MEA: Volume of Non-Cash B2B and B2C Payments, in billions and CAGR, 2007, 2014, 2023-2025f, 2029f

14.2.        North America

•       U.S.: RTP Expansion, FedNow Development, and Cross-Border Infrastructure Modernization, June 2026

•       U.S: Same Day ACH Transaction Value, in USD billions, Q1 2025 & Q1 2026

•       U.S.: Same Day ACH Transaction Volume, in millions, Q1 2025 & Q1 2026

•       U.S.: ACH B2B Payment Volume, in billions of Transactions, Q1 2025 & Q1 2026

•       U.S.: YoY Growth in ACH Transaction Volume Across Major Payment Categories, in %, Q1 2026

•          U.S.: Real-Time Payment Transactions, in billions of Transactions, and CAGR, 2023 & 2028f

•          U.S.: Real-Time Payment Network Participation and Usage, FedNow vs RTP, April 2026

•       U.S.: Consumer Payment Behavior and Relative Usage of Payment Methods, April 2026

•          U.S.: Role of ACH and Same-Day ACH in Account-to-Account Payment Infrastructure, April 2026

•          U.S.: Bank Priorities in Payment Initiatives by Implementation Timeline, in % of Respondents, 2025

•          U.S.: Federal and State-Level Digital Identity Infrastructure Development, July 2026

•          U.S.: Average Cost of Data Breaches, in USD millions, 2024-2025

•          U.S.: AI Platforms, Payment Infrastructure, and Transaction Layer Competition, May 2026

•       Canada: Real-Time Rail Modernization and International Payment Connectivity, June 2026

•       Canada: Organizational Measures Supporting Safe, Secure, and Trustworthy AI, in % of Resp., Sep - Oct 2025

14.3.        Europe

•       Europe: SEPA Instant Expansion and Pan-European Payment Infrastructure Integration, June 2026

•       Europe: Share of Instant Credit Transfers in Total Credit Transfers, by Volume and Value, in %, H1 2025

•       Europe: Instant Payments Share of Total Electronic Payments, in %, 2023 & 2028f

•       Europe: Variation in Payment Instrument Usage Across Selected Markets, May 2026

•       Europe: National Digital Identity Program Development Across EU Member States, July 2026

•       Europe: Trusted Identity Infrastructure, Interoperable Wallets, and Digital Verification Systems, May 2026

•       Europe: AI-Driven Payment Automation, Fraud Detection, and Core Infrastructure Upgrades, May 2026

•       Europe: AI-Driven MCA Growth, PSP Consolidation, and Regulatory Alignment via PSD3, May 2026

•       UK: Open Banking Infrastructure and International Payment Innovation, June 2026

•       UK: Real-Time Payment Transactions, in Billions of Transactions, and CAGR, 2023 & 2028f

•       UK: Payment Methods Considered Important by Merchants, in % of Respondents, Q2 2024

•       UK: Benefits Achieved by Offering Open Banking Payments, in % of Merchants, Q2 2024

•       UK: Merchants Biggest Frustrations with Current Payment Solutions, in % of Merchants, Q2 2024

•       UK: Factors Considered Important When Using Digital Identity Services, in % of Respondents, January 2025

•       UK: Most Common Use Cases for Using a Digital Identity Service, in % of Respondents, January 2025

•       UK: Digital Identity Service Usage by Digital Inclusion Risk Group, in % of Respondents, January 2025

•       Germany: Real-Time Payment Transactions, in Billions of Transactions, and CAGR, 2023 & 2028f

•       Germany: Average Cost of Data Breaches, in USD millions, 2024-2025

•       France: Average Cost of Data Breaches, in USD millions, 2024-2025

14.4.       APAC

•       Southeast Asia: Mobile Wallet Infrastructure and Embedded AI Commerce, May 2026

•       China: Cross-Border Wallet Expansion and Payment Infrastructure Internationalization, June 2026

•       China: e-CNY Cumulative Transaction Volumes, in CNY trillion, June 2023 - November 2025

•       China: Structure of Electronic Payment Transactions and Role of Mobile Payment Channels, April 2026

•       China: Payment System Infrastr., Bank Account Base, and Role of Electronic Payment Transactions, Apr 2026

•       China: Real-Time Payment Transactions, in Billions of Transactions, and CAGR, 2023 & 2028f

•       China: National Digital Identity Infrastructure and Mobile-Based Authentication Ecosystem, July 2026

•       China: Super Apps, Digital Wallets, and Integrated Commerce Infrastructure, May 2026

•       India: UPI International Expansion and Real-Time Payment Ecosystem Scaling, June 2026

•       India: Cross-Border UPI Transaction Values, in USD millions, FY24, FY25 & FY26 YTD (Jul 2025)

•       India: Cross-Border UPI Transactions, in Number of Transactions, FY2024 - FY2026 YTD

•       India: UPI Transaction Volume, in Billions of Transactions, and Growth Rates, 2022-2023 & 2028f

•        India: Digital Public Infrastructure Adoption and Aadhaar-Based Identity Verification Coverage, July 2026

•       India: Average Cost of Data Breaches, in USD millions, 2024-2025

•       Japan & South Korea: Trusted Automation and High-Tech Consumer Infrastructure, May 2026

•       South Korea: Payment Infr. Modernization, Settlement Efficiency, and Digital Payment Development, June 2026

•       Singapore: Cross-Border RTP Connectivity and Regional Payment Infrastructure Leadership, June 2026

•       Singapore: Real-Time Payment Transactions, in Millions of Transactions, and CAGR, 2023 & 2028f

•       Singapore: National Digital Identity Infrastructure Supporting Public and Private Digital Services, July 2026

14.5.        Latin America

•       Latin America: Instant Payment Systems and Regional Cross-Border Infrastructure Integration, June 2026

•       Latin America: FinTech Expansion and Commerce Automation Readiness, May 2026

•       Latin America: Importance of Accessible Payment Options for Online Purchases, in % of Consumers Surveyed, 2025

•       Latin America: FinTech Concentration & AI Readiness Potential by Country, in % of Total Fintech Comp., 2024

•       Latin America: Blockchain Tokenization, AI Monitoring, and Customer-Centric Banking Innovations, May 2026

•       Latin America: Fraud Challenges, Costs, AI Detection Tools, and Partnerships in Digital Payments, May 2026

•       Latin America: AI Bills with Principle-Based Rights, Risk Classification, and Compliance Obligations, May 2026

•       Latin America: AI Proposals with Governance Councils, Regulatory Sandboxes, and SME Support, May 2026

•       Brazil: Pix Transaction Growth, Infrastr. Development, and Cross-Border Payment Implications, June 2026

•       Brazil: Pix Transactions, in billions of Transactions, February 2025 - May 2026

•       Brazil: Value of Pix Transactions, in BRL billions, February 2025 - May 2026

•       Brazil: Digital Public Infr. Supporting Digital Govern., Financial Services, And Trusted Digital Identity, July 2026

14.6.        Middle East & Africa

•       Middle East: Real-Time Payment Transactions, in billions of Transactions, and CAGR, 2023 & 2028f

•       MENA: AI-Driven Personalization, Risk Management, and National Investment in Financial Services, May 2026

•       MENA: AI-Driven Personalization, Risk, Fraud Detection, and Compliance in Financial Services, May 2026

•       GCC: Payment Infrastructure Modernization and Real-Time Cross-Border Connectivity, June 2026

•       GCC: Digital Identity Infrastructure Supporting Government Services And Digital Economies, July 2026

•       GCC: AI Infrastructure Investment, Digital Economy Systems, and Commerce Modernization, May 2026

•       GCC: AI Strategies, Infrastructure Development, and Capability Gaps by Maturity Segment, May 2026

•       UAE: International Financial Infrastructure and Multi-Currency Settlement Positioning, June 2026

•       UAE: Government-Led AI Commerce Infrastructure and Smart Economy Development, May 2026

•       UAE: Centennial 2071 Vision, Interagency AI Execution, and Adaptive Digital Regulation, May 2026

•       Saudi Arabia: Payment Infr. Development, Instant Payments, and Regional Connectivity Initiatives, June 2026

•       Saudi Arabia: Real-Time Payment Transactions, in Billions of Transactions, and CAGR, 2023 & 2028f

•       Saudi Arabia: GenAI Readiness, Infrastructure Scale-Up, and Sector-Specific Application Rollout, May 2026

•       Africa: Mobile Money Infrastructure and Cross-Border Financial Connectivity Challenges, June 2026

•       Africa: Mobile Payments, Financial Inclusion, and Digital Transaction Infrastructure, May 2026

•       Africa: Role of Payment System Architecture, Interoperability Models, and Integration Pathways in Shaping Mobile Payment Expansion, May 2026

•       Africa: Expansion of Real-Time Payment Rails and Embedded Payment Models Across Commerce and Platforms, May 2026

•       Africa: Cyber, Operational, Liquidity, and Execution Risks Shaping the Sustainability of Payments Growth, May 2026

•       SSA: Fintech Innovation, National AI Strategies, and Global Partnerships in AI Adoption, May 2026

•       Nigeria: Instant Payments, Digital Transaction Growth, and Payment Infrastructure Modernization, June 2026

15.          Global Competitive Landscape & Ecosystem Strategies

15.1.       Identity Ecosystem & Market Participants

•       Global: Identity Verification Providers Including Jumio, Onfido, Persona, Veriff, and Trulioo, July 2026

•       Global: Authentication and IAM Providers Including Microsoft, Okta, Ping Identity, and Entrust, July 2026

•       Global: Enterprise Identity Platf. Across Workforce, Customer, Machine, And Privileged Identities, July 2026

•       Global: Decentralized Identity and Self-Sovereign Identity Stakeholders, July 2026

•       Global: Identity Wallet Ecosystem Across Government, Consumer, and Enterprise Platforms, July 2026

•       Global: Verifiable Credential Infrastructure For Issuers, Holders, Verifiers, And Trust Networks, July 2026

•       Global: Digital Trust Frameworks And Cross-Border Identity Collaboration, July 2026

15.2.       Stablecoin Ecosystem & Strategic Positioning

•       Global: USDT, USDC, and PYUSD Payment Stablecoin Initiatives, July 2026

•       Global: Payment Infrastructure Providers Supporting Stablecoins, June 2026

•       Global: Strategic Positioning Across Stablecoin Ecosystems, June 2026

15.3.       Agentic Commerce Ecosystem & Platform Competition

•       Global: Evolving Competitive Positioning Across Agentic Commerce Ecosystems, May 2026

•       Global: Winners in AI Platforms and Infrast. vs. Risks for Marketplaces and SEO-Driven Retailers, May 2026

•       Global: Adoption of Model Context Protocol by Major Tech and Payment Platforms, May 2026  

•       Global: Strategic Partnerships Across AI, Identity, Payments, and Infrastructure Ecosystems, May 2026

•       UAE: Strategic Partnerships, Scalable Infrastructure, and Innovation in National AI Landscape, May 2026

16.            Global Future Outlook & Strategic Scenarios

16.1.         Future Payment Infrastructure & Settlement Models

•       Global: Future Role of Stablecoins, CBDCs, and Tokenized Settlement Systems, June 2026

•       Global: AI-Orchestrated International Payment Infrastructure and Automated Treasury Systems, June 2026

•       Global: Long-Term Structural Evolution of International Transaction Ecosystems, June 2026

•       Global: Cross-Border Infrastructure Partnerships and Ecosystem Consolidation Activity, June 2026

16.2.         Industry Competition & Ecosystem Evolution

•       Global: Impact of A2A Payment Expansion on Card Network Value Pools and Transaction Segments, Apr 2026

•       Global: Cross-Border Payment Infrast., Interoperability Models, and System Integration Approaches, May 2026

•       Global: AI Applications in Payment Processing, Fraud Detection, and Operational Infrastructure, May 2026

•       Global: Stablecoins, Tokenized Deposits, and Blockchain-Based Settlement in Payment Systems, May 2026

16.3.         Emerging Risks, Resilience & Technology Trends

•       Global: Cybercrime, Digital Fraud, and Trust Risks as Emerging Financial Stability Concerns, March 2026

•       Global: Cyber Risk Complexity, Payment Ecosystem Resilience, and Security-First Strategies, March 2026

•       Global: Cross-Border Paym. Growth, Interconnected Ecosystems, and Rising Financial Crime Risk, March 2026

•       Global: AI-Automated Commerce, Consent and Authentication Risk, and Identity-Fraud Exposure, March 2026

•       Global: Cross-Border Payments Growth, Ecosystem Interdependence, and Collab. Fraud Prevention, March 2026

16.4.         Future Identity & Trust Infrastructure

•       Global: Long-Term Transition Toward Quantum-Resistant Digital Identity Infrastructure, July 2026

•       Global: Identity Infrastructure for AI Agents and Autonomous Commerce Systems, July 2026

•       Global: Machine Identities and Non-Human Transaction Authentication, July 2026

16.5.        Future Digital Money & Settlement Infrastructure

•       Global: Future Role of Stablecoins in Payments and Settlement, June 2026

•       Global: Future Role of Stablecoins, CBDCs, and Tokenized Settlement Infrastructure, June 2026

•       Global: Long-Term Implications for Cross-Border Transaction Infrastructure, June 2026

16.6.        Future AI & Autonomous Commerce

•       Global: Transition from Human-Initiated to Hybrid AI Commerce Models, May 2026

•       Global: Long-Term Strategic Risks and Structural Implications of Agentic Commerce, May 2026

Companies Mentioned:

• Adyen
• Amazon
• Apple
• Apple Pay
• Aptos Foundation
• Brookfield
• Chainlink
• Circle
• Coinbase
• Coinme
• DBS Bank
• Deutsche Bank
• e-CNY
• Entrust
• FAB (First Abu Dhabi Bank)
• FedNow
• Fireblocks
• Global Payments
• GoCardless
• Google (Alphabet)
• HashKey MENA
• iDEAL
• IHC (International Holding Company)
• India Stack
• JPMorgan
• Jumio
• Mastercard
• Microsoft
• Modern Treasury
• MoneyGram
• MOSIP
• MTR Corporation
• Okta
• Onfido (Entrust Identity Verification)
• OpenFX
• Paxos
• PayPal
• Persona
• Ping Identity
• Pix
• Plaid
• Project Agorá
• Project mBridge
• Ripple
• RTP
• SEPA Instant
• Shopify
• Singpass
• SoFi
• Starbucks
• Stellar
• Stripe
• SWIFT
• Swish
• Tether
• Tink
• TrueLayer
• Trulioo
• UPI
• Veriff
• Visa
• Walmart
• Wero
• Wise
• Worldline
• Worldpay
• Yellow Card