Asia-Pacific’s Digital Payments and E-Commerce Markets Advance as AI Adoption Accelerates, While Governance and Readiness Gaps Shape Competitive Outcomes in 2025
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Asia-Pacific’s Digital Payments and E-Commerce Markets Advance as AI Adoption Accelerates, While Governance and Readiness Gaps Shape Competitive Outcomes in 2025
Hamburg-based secondary market research firm yStats.com has published AI in Asia-Pacific’s Digital Payments and E-Commerce 2025: Adoption, Competitiveness, and Governance. The report outlines how Artificial Intelligence (AI), including Generative AI (GenAI), is influencing digital payments and online retail across the Asia-Pacific region, highlighting adoption momentum, consumer behavior shifts, and the governance, workforce, and infrastructure challenges affecting competitiveness.
AI usage strengthens digital payments and online shopping, led by China and fast-growing emerging markets
AI is driving measurable improvements in payments and E-Commerce across Asia-Pacific, particularly in China and high-growth emerging markets such as India and parts of Southeast Asia. By 2025, consumers across high-usage markets increasingly rely on AI-enabled tools for product discovery, customer service, and digital transactions, enhancing convenience and platform efficiency. In China, over 80% of decision-makers reported using Generative AI in their organizations as of July 2024.
Emerging markets lead adoption momentum, while advanced economies advance more cautiously
Asia-Pacific remains among the world’s fastest-growing digital regions, yet AI maturity varies widely across countries. Japan, South Korea, and Australia progress more gradually, shaped by stricter regulatory frameworks, workforce constraints, and conservative corporate adoption models. As of January 2025, half of individuals in Japan reported regular AI use, compared with over 90% in India.
Competitiveness rises alongside workforce, data, and infrastructure constraints
Businesses across payments, retail, and financial services increasingly depend on AI to enhance competitiveness and efficiency. At the same time, skills shortages, data governance gaps, and infrastructure limitations remain major structural constraints, particularly in lower-readiness markets. By 2027, companies in Southeast Asia expect AI and GenAI to reduce total costs by 7–9%.
Access the full report
For detailed insights into AI adoption, competitiveness, governance, and its impact on digital payments and E-Commerce across Asia-Pacific, access AI in Asia-Pacific’s Digital Payments and E-Commerce 2025: Adoption, Competitiveness, and Governance. Contact press@ystats.com for more information.
