AI in Europe’s Payments and E-Commerce: Adoption Gaps, Regulatory Shifts, and Key Developments 2025

Northern and Eastern Europe Take the Lead in AI Use, but Integration Gaps Persist

AI adoption is gaining traction across Europe, especially in the Baltics and Nordics, where enterprise usage is high in countries like Latvia, Norway, and Estonia. Poland and Slovenia are also accelerating ahead of the regional average. Yet, major economies such as Germany, France, and the Netherlands show slower momentum, while Spain trails with minimal integration into workflows. Despite widespread experimentation, true operational maturity remains out of reach for many firms.

Europe’s New AI Laws Create Winners and Losers

With the EU AI Act, DORA, and GDPR converging, regulatory alignment is becoming a key differentiator. The report finds that firms incorporating compliance into their AI strategies gain a structural advantage in high-risk areas like fraud detection and credit scoring. Those that fail to operationalize beyond pilots risk being left behind.

Trust Deficit Undermines AI’s Promise in Financial Services

Public skepticism continues to shadow AI advances. In most European countries, fewer than half of users believe the benefits outweigh the risks, with especially low trust in Northern and Western Europe. Growing exposure to AI-driven fraud tactics like deepfakes and phishing further erodes confidence.

Questions Covered

• Which regions in Europe report the highest enterprise AI adoption in 2025? 
• What is the most common AI application among EU enterprises in 2024?
• What are top AI-fueled fraud threats in Europe in 2025?
• What is the economic potential of GenAI in Europe by 2030?
• Which European countries demonstrate contrasting national AI strategies in 2025?