B2C E-Commerce Growth, Non-Cash Transactions, and AI Investment Are Forecast to Reshape Global Commerce Over the Next Five Years
As global E-Commerce matures, payment systems scale digitally, and AI investment accelerates, the convergence of these three forces is structurally redefining how value is created, processed, and captured across global commerce ecosystems.
Key Forecast Highlights
- Global B2C E-Commerce is forecast to surpass 22% of total retail sales by 2027, reflecting continued integration of online channels into consumer spending.
- Global non-cash transaction volumes are projected to exceed 2.5 trillion transactions by 2028, driven by the expansion of digital and real-time payment infrastructure.
- The global value of AI in payments is forecast to reach USD 60 billion by 2031, indicating accelerating adoption of AI-driven financial technologies.
“What we are observing is not a cyclical acceleration, but a structural transformation of global commerce. B2C E-Commerce, digital payments, and AI are no longer separate growth stories, they are becoming deeply interconnected layers of the same transaction ecosystem, reshaping how businesses operate and how consumers engage with markets worldwide.”
— Yücel Yelken Founder & CEO, yStats.com
Global B2C E-Commerce Is Forecast to Enter a Phase of Structural Maturity as Growth Shifts Toward Transaction Intensity
Global B2C E-Commerce is forecast to transition from rapid expansion toward a more mature phase characterized by stabilizing online penetration and rising transaction frequency. Worldwide retail B2C E-Commerce share is expected to surpass 22% of total retail sales by 2027, up from just over 20% in 2024. Global B2C E-Commerce sales are projected to grow from more than USD 6 trillion in 2024 to nearly USD 8 trillion by 2027. Beyond headline growth, future expansion is increasingly expected to be driven by deeper digital engagement and platform-led transaction scaling rather than new user adoption.
Global Payments Are Forecast to Shift Toward Non-Cash and Instant Methods as Transaction Volumes and Revenue Scale
Global payments are forecast to undergo continued structural transformation as non-cash and real-time transactions expand across consumer and business segments. Total non-cash transaction volume worldwide is projected to surpass 2.5 trillion transactions by 2028. In value terms, global payments revenue is expected to exceed USD 3 trillion by 2028. Asia-Pacific is projected to dominate global payments revenue in 2027, while instant payment systems continue to reduce reliance on traditional payment methods across both developed and emerging markets.
AI Investment Is Forecast to Accelerate as Financial Institutions and Payment Systems Scale Automation
AI adoption across B2C E-Commerce and financial services is forecast to expand rapidly as institutions integrate automation and data-driven technologies into core operations. By 2031, the global value of AI in payments is projected to reach USD 60 billion. In parallel, the global AI in fintech market is forecast to grow from over USD 18 billion in 2025 to more than USD 53 billion by 2030. Rising investment in generative AI, fraud detection, risk analytics, and process automation indicates that AI is becoming structurally embedded as a driver of operational efficiency and competitive differentiation.
Access the Full Report
For detailed insights into global B2C E-Commerce, payments, and AI-driven market transformation, access Global B2C E-Commerce & Payments: Market Data and Forecasts 2026. Please contact press@ystats.com for more information.
