yStats.com reports that AI adoption in North America’s payments and E-Commerce in 2025 is scaling rapidly, delivering strong ROI gains, while regulatory readiness gaps continue to persist.

Hamburg-based secondary market research firm yStats.com has published AI in North America’s Payments and E-Commerce 2025: Scaling, ROI, and Regulatory Readiness. The report provides data-driven insights into how Artificial Intelligence (AI), with a particular focus on Generative AI (GenAI), is advancing across the U.S. and Canada. It examines adoption levels, scaling progress, ROI outcomes, and governance readiness, offering guidance for payment providers, E-Commerce firms, financial institutions, and corporate clients

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Adoption expands, but uneven readiness persists

In 2025, nearly 50% of North American firms reported using GenAI for text, reflecting the growing emphasis on efficiency-driven applications. Despite progress, readiness remains uneven, with many organizations still in partial deployment and early strategic stages. In the U.S., adoption expanded further, but a gap with formal governance guidelines highlighted structural challenges. In Canada, initiatives remain largely in proof-of-concept phases, with less than 40% expected to advance to production this year.

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Payments and E-Commerce drive functional AI use

The payments and fintech sectors are leading functional AI adoption, with U.S. financial firms heavily applying AI in customer-facing and security functions. By 2025, AI supported fraud prevention, personalization, and governance across a global digital payments market valued at USD 20 trillion. CFOs are emerging as key drivers of AI implementation, prioritizing automation and fraud detection as strategic priorities. In Canada, adoption advanced incrementally, with nearly half of employees using GenAI at work, pointing to more cautious but steady integration.

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Scaling boosts ROI, but barriers remain

In the U.S., the number of AI use cases in production doubled between 2023 and 2024, underscoring the pace of operational scaling. ROI strengthened, with most executives reporting positive outcomes across productivity, efficiency, and customer engagement. However, barriers remain, as firms continued to cite data quality, privacy, and skills shortages as the main obstacles to broader adoption. Governance challenges also persisted, with only a small minority of firms fully implementing responsible AI practices. Trust concerns were evident, with many non-adopting adults preferring human interaction over AI tools.

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Access the Full Report

For detailed insights into scaling, ROI, and governance challenges in North America’s payments and E-Commerce markets, access the latest yStats.com publication: AI in North America’s Payments and E-Commerce 2025: Scaling, ROI, and Regulatory Readiness. Contact press@ystats.com for more details.

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