Digital Commerce Expansion, Payments Transformation, AI Adoption, and B2B Growth Reshape North America’s B2C and Enterprise Markets in 2026
Hamburg-based secondary market research firm yStats.com analyzes how digital commerce, the evolving payments landscape, artificial intelligence, and B2B digital trade are reshaping retail, financial services, and enterprise operations across North America in its latest publication, Global Compendium 2026: Volume 6 North America B2C & B2B E-Commerce, Payments & AI, providing in-depth coverage of market development, transaction infrastructure, consumer and business behavior, AI integration, and cross-border digital trade across the United States and Canada.
North America’s Digital Commerce Expansion Advances as Platforms Consolidate and Consumer Behavior Evolves
North America’s digital commerce market continues its structural expansion as shifting consumer behavior, rising mobile engagement, and growing transaction volumes reinforce the role of E-Commerce within B2C. In the United States, B2C E-Commerce sales are projected to supassing USD 1.5 trillion by 2028, while online retail penetration is expected to rise steadily through 2029, indicating sustained integration of digital channels into everyday purchasing. Market concentration is intensifying, with Amazon and Walmart projected to generate roughly two-thirds of U.S. online B2C sales by 2029, underscoring platform dominance. In Canada, growth remains more moderate, reflecting diverging national trajectories shaped by market maturity, trade conditions, and consumer adoption patterns.
Digital Payments Evolve as Wallet Adoption Grows While Traditional Methods Retain Revenue Leadership
North America’s payments ecosystem is undergoing gradual transformation as digital wallet usage expands across online, in-app, and in-store environments. Cards remained the dominant payment method in 2023, accounting for the majority of payments revenue, while debit cards led in consumer usage. Digital wallet adoption continues to rise, supported by increased mobile commerce and app-based transactions, though adoption varies by channel and provider. Structural frictions persist, including inconsistent merchant acceptance, fragmented consumer loyalty, and uneven BNPL uptake.
AI Adoption Accelerates Across Commerce and Payments as Strategic Investment Outpaces Governance Maturity
AI adoption across North America’s commerce and financial services sectors is accelerating, driven by expanding enterprise investment, operational integration, and demand for automation. Organizations are deploying AI across fraud detection, payment processing, customer engagement, and productivity functions, with usage moving from experimentation toward broader operational integration. The United States leads regional deployment through large-scale infrastructure investment and enterprise adoption, while Canada’s progress remains more uneven, shaped by regional disparities and policy complexity. Despite growing implementation, governance maturity lags, with many organizations reporting challenges related to data quality, workforce readiness, and responsible AI frameworks.
B2B Digital Commerce Expands as Marketplaces Scale While Buyer Experience Gaps Persist
North America’s B2B E-Commerce market is advancing toward digital maturity as online procurement and marketplace activity expand across enterprise purchasing. In the United States, B2B E-Commerce sales have surpassed USD 2 trillion in 2023, with marketplaces playing a growing role in transaction volume and supplier discovery. Amazon Business remains the dominant platform, reflecting rising concentration within digital B2B trade. However, adoption remains uneven, with many companies using marketplaces only as supplementary channels. Persistent challenges related to product discoverability, information transparency, and user experience continue to limit deeper integration.
Access the Full Report
For detailed insights into North America’s E-Commerce, payments, AI, and B2B digital transformation, access Global Compendium 2026: Volume 6 North America B2C & B2B E-Commerce, Payments & AI. Please contact press@ystats.com for more information.
