B2C E-Commerce Growth, Non-Cash Transactions, and AI Investment are Forecast to Reshape Global Commerce Over the Next Five Years
This report analyzes how B2C E-Commerce, the evolving payments landscape, and artificial intelligence are forecast to reshape retail and financial services globally, providing in-depth coverage of global and regional market outlooks, transaction infrastructure, consumer spending trends, and enterprise AI adoption across major developed and emerging markets. As B2C E-Commerce matures, payment systems digitize, and AI investment accelerates, these trends are jointly reshaping global digital commerce.
Key Forecast Highlights
- Global B2C E-Commerce is forecast to exceed 22% of total retail sales by 2027
- Global non-cash transaction volumes are projected to surpass 2.5 trillion by 2028
- The global value of AI in payments is forecast to reach USD 60 billion by 2031
Global B2C E-Commerce Is Entering a Phase of Structural Maturity as Growth Becomes Transaction-Led
Global B2C E-Commerce is forecast to move into a more mature stage, with online penetration stabilizing and growth increasingly driven by higher transaction frequency. Retail B2C E-Commerce share is expected to exceed 22% of total retail sales by 2027, up from just over 20% in 2024, while global online sales are projected to rise from above USD 6 trillion to nearly USD 8 trillion over the same period. Future expansion is therefore expected to rely more on platform-driven transaction intensity than on new user growth.
Global Payments Are Shifting Toward Non-Cash and Instant Models as Volumes and Revenue Expand
Global payments are forecast to continue their structural shift toward non-cash and real-time methods across both consumer and business use cases. Worldwide non-cash transaction volumes are projected to surpass 2.5 trillion by 2028, while global payments revenue is expected to exceed USD 3 trillion. Asia-Pacific is projected to lead global payments revenue in 2027, as instant payment systems reduce dependence on traditional instruments.
AI Adoption Is Accelerating as Automation Becomes Embedded in Financial Infrastructure
AI adoption across B2C E-Commerce and financial services is forecast to scale rapidly as automation becomes integrated into core operations. The global value of AI in payments is projected to reach USD 60 billion by 2031, while the AI in fintech market is expected to grow from over USD 18 billion in 2025 to more than USD 53 billion by 2030. Rising investment in generative AI, fraud prevention, and risk analytics highlights AI’s growing role in operational efficiency and competitive positioning.
Key Questions Answered:
- How much global payments revenue will be generated by 2028?
- How large is the global AI in fintech market by 2030?
- What is the size of the Asia-Pacific B2C E-Commerce market by 2028?
- How large is the U.S. BNPL market by 2027?
- How large is Europe’s non-cash payments market by 2028?
Countries Covered:
- China
- South Korea
- Japan
- India
- Australia
- Indonesia
- Thailand
- Vietnam
- Malaysia
- Philippines
- Singapore
- Hong Kong
- New Zealand
- United States
- Canada
- United Kingdom
- France
- Germany
- Italy
- Austria
- Poland
- Czech Republic
- Hungary
- Greece
- Slovenia
- Romania
- Slovakia
- Serbia
- Lithuania
- Bulgaria
- Croatia
- Saudi Arabia
- United Arab Emirates
- Israel
- Qatar
- Oman
- Brazil
- Mexico
- Chile
- Argentina
Table of Contents
1. Key Takeaways2. Management Summary
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Companies Mentioned (Partial List)
A selection of companies mentioned in this report includes, but is not limited to:
- Amazon
- Walmart
- Klarna
- Affirm
