North America B2C & B2B E-Commerce, Payments & AI

Digital Commerce Expansion, Payments Transformation, AI Adoption, and B2B Growth Reshape North America’s B2C and Enterprise Markets in 2026

This report 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, 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 Growth Continues as Market Concentration Increases

North America’s digital commerce sector continues expanding as consumer behavior shifts further toward online and mobile channels. U.S. B2C E-Commerce is expected to surpass USD 1.5 trillion by 2028, while Amazon and Walmart are projected to control roughly two-thirds of online sales by 2029, reinforcing platform concentration. Canada’s growth remains steadier, reflecting different market conditions and adoption levels.

Payments Landscape Shifts as Wallet Usage Rises but Cards Maintain Revenue Lead

The region’s payments ecosystem is evolving as digital wallets gain ground across online and mobile environments. Cards continue to dominate revenue, with debit cards leading usage, while wallet adoption grows unevenly by channel. Structural barriers persist, including fragmented acceptance, loyalty challenges, and inconsistent BNPL uptake.

AI Deployment Accelerates Across Commerce and Finance Despite Governance Gaps

AI adoption is expanding rapidly across commerce and payments, driven by enterprise investment and automation needs. The U.S. leads large-scale deployment, while Canada’s progress varies by region. However, governance maturity remains limited, with organizations facing ongoing challenges in data quality, skills readiness, and responsible AI frameworks.

B2B E-Commerce Expands Through Marketplaces While Integration Challenges Remain

North America’s B2B E-Commerce market continues to scale as digital procurement and marketplaces grow. U.S. B2B E-Commerce exceeded USD 2 trillion in 2023, with Amazon Business holding a dominant position. Yet adoption remains uneven, as many firms still rely on marketplaces only partially due to persistent experience and transparency gaps.

Key Questions Answered

What share of total B2C sales does E-Commerce represent in the U.S. in 2024?
How is Canada progressing in AI adoption in 2025?
What is North America’s position in the global payments market in 2027?
How widespread is GenAI adoption in North America in 2025?
How is buyer behavior in U.S. B2B purchasing shifting in 2025?

1. Key Takeaways2. Management Summary

3. North America: B2C E-Commerce Overview

3.1. B2C E-Commerce Market

U.S.: B2C E-Commerce Sales, in USD trillion, & in % of Year-on-Year Change, in %, 2022-2028f
U.S.: B2C E-Commerce Share, in % of Total B2C Sales, 2022-2028f
U.S.: Online B2C Sales as a Share of Total B2C Sales, in %, 2024 & 2029f
U.S.: Online B2C Sales, in USD trillion, 2024 & 2029f
U.S.: Total C2B¹ point-of-sale spend, in USD trillion, 2018-2023
Canada: B2C E-Commerce Share, in % of Total B2C Sales, 2022-2027f
Canada: B2C E-Commerce Sales, in CAD billion, in % of Year-on-Year Change, 2022-2027f

3.2. Major Players & Social Commerce

U.S.: Amazon and Walmart’s Projected Share of Total U.S. E-Commerce Sales, 2029f
U.S.: Share of U.S. Adults Likely to Make Purchases Directly on Social Networks, by Platform, Gen Z vs. Total, Q1 2023
U.S.: Social Media’s Influence on E-Commerce and M-Commerce, February 2025

3.3. Tariffs Impact on North America & Global E-Commerce

Global: Impact of U.S. Tariff on Costs, Compliance, & Strategic Responses in Cross-Border E-Com., April 2025
Global: Strategic Shift in E-Commerce and Manufacturing to Counter 2025 U.S. Tariffs, April 2025
Global: E-Commerce Shifts in Response to 2025 Tariff Pressures, April 2025
Global: Impact of Tariff on Industry Consolidation, Regional Realignment, Strategic Capital Flows, April 2025, May 2025
Global: Impact of Tariffs on Revenue Pressure, Compliance Costs, Cross-Border Payments, and Operational Disruption, April 2025
Global: Impact of Tariff Pressures on Blockchain, Digital Currencies, Alternative Payment Solutions, April 2025
U.S.: B2C E-Commerce Sales Forecast under Limited Tariffs, in USD billions, 2021-2025
U.S.: B2C E-Commerce Sales Forecast under Moderate Tariffs, in USD billions, 2021-2025
U.S.: B2C E-Commerce Sales Forecast under Heavy Tariffs, in USD billions, 2021-2025
U.S.: E-Com. Retailers Respond to Tariff Pressures with Strategic Shifts in Supply Chain Operations, April 2025
U.S.: E-Commerce Platforms’ Strategies for Adaptation and Supply Chain Innovation, April 2025
U.S.: E-Commerce Platforms’ Operational Shifts Amid Rising Tariffs, April 2025
U.S.: Tariff Hikes Push E-Commerce Firms to Strengthen Compliance and Diversify Sourcing, April 2025
U.S.: Amazon’s Strategic Adaptations to Tariff Challenges, April 2025
U.S.: Price Hikes and Strategic Shifts in E-Commerce Due to Tariffs, May 2025
U.S.: Impact of Rising Tariffs on Toy Prices and Consumer Demand, May 2025
U.S.: Impact of Tariff Uncertainty on M&A and Investment Strategies

4. North America: Digital Payments Ecosystem

4.1. Market Size, Revenue & Payment Mix

North America: Total Non-cash Transactions Volume, in volume billions, 2018 & 2021-2024e & 2028f
North America: Total B2B Non-cash Transactions Volume, in volume billions, 2018 & 2021-2024e & 2028f
North America: Payments Revenue Value, in USD trillion, 2013, 2018, 2020- 2023
North America: Payments Revenue, in USD trillion, 2017 & 2020- 2022 & 2027f
North America: Payments Revenue by Type, Commercial & Consumer in %, 2018 & 2023
North America: Breakdown of Payments Revenue by Type, Commercial & Consumer in %, 2023
North America: Share of Payment Revenue Value, in %, 2027f
North America: Payments Market Revenue Share by Global Region, in %, 2027f
North America: Payments Market Growth by Global Region, CAGR (%), 2022-2027f
North America: Payment Mix: New Payments vs Traditional Payments, In % of transaction volume, 2023

4.2. Consumer Digital Payment Adoption & Preferences

U.S.: Share of Online Adults Who Used Digital Payment Methods for Purchases in the Past Three Months, in %, 2023
U.S.: Share of Online Adults Using PayPal or Apple Pay for Purchases Within The Past 3 Months, in %, 2023
U.S: Digital Buyers’ Use of Payment Methods for Purchases, in %, April 2024
U.S.: Share of Consumers Using Online or Mobile Payment Accounts, in %, 2023
U.S.: Digital Wallets Adoption by Category: Online, in % of respondents, 2024
U.S.: Digital Wallets Adoption by Category: In-App, in % of respondents, 2024
U.S.: Digital Wallets Adoption by Category: In-Store, in % of respondents, 2024
U.S.: Digital Payments Adoption by Category: Online, in % of respondents, 2019, 2021, 2023-2024
U.S.: Digital Payments Adoption by Category: In-App, in % of respondents, 2019, 2021, 2023-2024
U.S.: Digital Payments Adoption by Category: In-Store, in % of respondents, 2019, 2021, 2023-2024
U.S.: Share Of Respondents Using Digital Payments, by Category, in %, 2019 & 2021 & 2023 & 2024f
U.S.: Digital Payments Adoption by Category, in % of respondents, 2024
U.S.: Share of Digital Wallet Users by Service (PayPal, Apple Pay, Venmo, Cash App Pay), in %, 2024
U.S.: Share Of Consumers Who Used a Digital Wallet In The Past 90 Days, in %, 2023 & 2024
U.S.: Mobile Payment Apps/Wallets Used Most by Respondents for Online vs. In-Store Purchases, in %, July 2023
U.S.: Proximity Mobile Payment Users, by Generation, in millions, 2024f
U.S.: Share of Consumers Using Digital Wallets More Often Than Trad. Payment Methods, in %, August 2023
U.S.: Digital Wallet Adoption Trends, February 2025

4.3. Transaction Values, Payment Types & BNPL

U.S.: Digital Commerce Platforms' Gross Payment Value, in USD bil., Year-on-Year Growth Rate, 2022-2026f
U.S.: Transaction Value of Select Payment Types, in USD trillion, 2021-2025f
U.S.: Share of Payment Methods Used for Purchases, by Type, in % of Respondents, December 2023
U.S.: Cards Transaction Value, in USD trillion, 2024e & 2028f*
U.S.: Share of Digital Commerce Payments by Type, in %, 2017, 2022, and 2027f
U.S.: BNPL Spending Value, in USD billion, Year-on-Year Growth Rate, 2021-2025f
U.S.: BNPL Payment Value, by Company, in USD billion, 2023 & 2027f
U.S.: Number of BNPL Service Users, by Generation, in millions, 2024
U.S.: Share of Adults Interested in Using BNPL Services* At Checkout, by Gender, in % of Respondents, December 2023
U.S.: Share of Adults Interested in Using BNPL Services* at Checkout, by Age Group, in % of Respondents, December 2023
U.S.: Share of Adults Interested in Using BNPL Services at Checkout, in %, December 2023

5. AI in Automation & Commerce

5.1. AI Adoption & Readiness
5.1.1. North America

North America: Organizational Maturity Levels of Generative AI Adoption, in % of Resp., 2024 & 2025
North America: Status of Organizational AI Strategy Development, in % of Respondents, Feb-Mar 2025
North America: Organizational Readiness for Generative AI Implementation, in % of Resp., Feb-Mar 2025
North America: Key Barriers to Generative AI Adoption, in % of Respondents, Feb-Mar 2025
North America: Planned Changes in AI Budgets, in % of Respondents, Feb-Mar 2025
North America: Top Internal Strategies to Track AI Regulatory Changes, in % of Resp., Feb-Mar 2025
North America: Top External Strategies to Track AI Regulatory Changes, in % of Resp., Feb-Mar 2025

5.1.2. U.S.

U.S.: Organizational AI Adoption, in % of Respondents, 2024-2025
U.S.: Employees and C-suite Usage of Generative AI for Over 30% of Daily Tasks, in % of Resp., Oct-Nov 2024
U.S.: Employee Use of AI at Work by Frequency, in % of Respondents, 2023-2025
U.S.: Frequent Employee Use of AI at Work by Role, in % of Respondents, 2023-2025
U.S.: Using and Interacting With AI Daily by Generation, in % of Respondents, April 2025
U.S.: Using and Interacting With AI Daily by Employment Status, in % of Respondents, April 2025
U.S.: Using and Interacting With AI Daily by Income Group, in % of Respondents, April 2025
U.S.: Using AI in the Past Six Months vs. Daily Among Adults, in % of Respondents, April 2025
U.S.: Extensive Generative AI Familiarity by Employee Age Group, in % of Respondents, Oct-Nov 2024
U.S.: Comfort With Generative AI at Work by Employee Age Group, in % of Respondents, Oct-Nov 2024
U.S.: Provision of Feedback on Generative AI Tools by Employee Age Group, in % of Resp., Oct-Nov 2024
U.S.: Interest in Participation in GenAI Tool Design by Employee Age Group, in % of Resp., Oct-Nov 2024
U.S.: Leading Barriers to Generative AI Adoption, in % of Respondents, Jul-Dec 2024
U.S.: Main Barriers to Responsible AI Investment, in % of Respondents, April 2024
U.S.: Leading Barriers to Agentic AI Adoption, in % of Respondents, 2024 & 2025
U.S.: Top Reasons for Not Using AI, in % of Non-Adopting Respondents, April 2025
U.S.: Employee Concerns About Generative AI Risks, in % of Respondents, Oct-Nov 2024
U.S.: Average AI Budgets by Company Revenue Segment, in USD millions, Feb 2024 & Dec 2024
U.S.: AI Capital Expenditures and Leading Technology Firms, September 2025
U.S.: AI Infrastructure Scaling and Investor Confidence, September 2025
U.S.: AI Infrastructure Development, Diplomatic Engagement, and Value-Based Export Strategy, Aug 2025

5.1.3. Canada

Canada: Organizational GenAI Experiments and Stage of Adoption, in % of Respondents, Jan-Feb 2025
Canada: Generative AI Adoption by Province, in % of Respondents, 2023 & 2024
Canada: Use of Public vs. Private Generative AI Tools at Work, in % of Respondents, August 2024
Canada: Employee-Reported Workplace Policies on GenAI Use, in % of Respondents, August 2024
Canada: Generative AI Training Readiness, in % of Respondents, Jan-Feb 2025
Canada: Top Reasons for not Using Generative AI at Work, in % of Respondents, August 2024
Canada: SMBs’ AI Investment Plans and Priorities, in % of Respondents, January 2025
Canada: AI Adoption Rates, Competitive Positioning, and Sectoral Strengths, August 2025

5.2. AI Functional Use Cases & Economic Impact
5.2.1. North America

North America: Functional Deployment of Generative AI, in % of Respondents, Feb-Mar 2025
North America: Most Appealing AI Use Cases in Financial Services, in % of Respondents, 2024

5.2.2. U.S.

U.S.: Agentic AI Deployment by Business Function, in % of Respondents, 2024 & 2025
U.S.: AI Usage by Task Type in Daily Life Among Adults, in % of Respondents, April 2025
U.S.: AI Usage by Task Type Among Adults, in % of Resp. Routinely Performing Each Activity, April 2025
U.S.: GenAI Usage by Use Case Among Agencies, in % of Respondents, June 2024
U.S.: Expected Areas of GenAI Impact Within Agencies, in % of Respondents, June 2024
U.S.: AI, AR, Blockchain, Mobile Commerce, and Social Commerce in B2C E-Commerce, April 2024
U.S.: Share of Retail Decision Makers Who Feel Ready to Deploy GenAI Technology in 2024, in %, Nov. 2023
U.S.: AI Use in Finance by Function, Leadership Role, and Governance Priorities, June 2025
U.S.: AI-Driven Fraud Prevention, Personalization, and Governance in Payments, August 2025
U.S.: AI-Driven Shopping Capabilities, Virtual Card Integration, and Adoption Barriers in Payments, Aug 2025
U.S.: Agentic AI Transaction Execution, Operational Applications, and Secure Payments, August 2025
U.S.: Top AI Use Cases Including Payment Automation and Fraud Detection, in % of Respondents, 2024
U.S.: Leadership Roles Driving AI Adoption in Financial Processes, in % of Respondents, 2023 & 2024
U.S.: Share of CFOs That Say That AI Has Reduced Their Need for Lower-Skill Workers, in %, February 2024
U.S.: Share of CFOs That Say That AI Has Increased Their Need For More Analytically Skilled Workers, in %, February 2024
U.S.: Areas In Which AI Has Increased vs. Decreased The Need For Higher vs. Lower Skilled Workers, by Complexity of Tasks, in % of CFOs, February 2024
U.S.: Job Cut Announcements, Impact of AI and Economic Pressures, in Number of Cuts, 2024 & 2025
U.S.: Tech Sector Job Cuts, Impact of AI and Automation, in Number of Cuts, 2024 & 2025
U.S.: Factors for Increased Daily GenAI Usage Among Employees, in % of Respondents, Oct-Nov 2024
U.S.: Positive ROI by AI Budget Allocation and Business Function, in % of Respondents, 2024 & 2025
U.S.: Positive ROI from AI by Business Area and Survey Wave, in % of Respondents, 2024 & 2025
U.S.: Average AI Use Cases in Production, in Number of Use Cases, Oct 2023 & Dec 2024
U.S.: C-Suite Perception of Revenue Changes from Generative AI, in % of Respondents, Oct-Nov 2024
U.S.: C-Suite Perception of Cost Changes from Generative AI, in % of Respondents, Oct-Nov 2024
U.S.: C-Suite Expectations for GenAI Revenue Growth Over the Next 3 Years, in % of Resp., Oct-Nov 2024
U.S.: Share of Total Potential Economic Value from GenAI by Business Function, in % of Resp., Oct-Nov 2024

5.2.2. Canada

Canada: Top Generative AI Use Cases at Work, in % of Respondents, August 2024

5.3. Performance, Evaluation, & Responsible AI

U.S.: C-Suite Perceptions of GenAI Tool Development and Release Pace, in % of Resp., Oct-Nov 2024
U.S.: Top C-Suite Perceived Reasons for Slow GenAI Tool Development, in % of Resp., Oct-Nov 2024
U.S.: Presence and Type of Benchmark Standards for GenAI Tools, in % of Respondents, Oct-Nov 2024
U.S.: C-Suite Assessment of Organizational Generative AI Maturity Levels, in % of Resp., Oct-Nov 2024
U.S.: GenAI Performance Satisfaction Among Org. with Met or Exceeded Expectations, in % of Resp., Dec 2024
U.S.: Recommendation and Successful Resolution of GenAI Tools, in % of Respondents, Oct-Nov 2024
U.S.: Top Reasons GenAI Fell Short of Expectations, in % of Resp. by Devel. and Prod. Stage, 2023-2024
U.S.: Fully Implemented Responsible AI Capabilities for AI and GenAI, in % of Companies, April 2024
U.S.: Primary Drivers of Responsible AI Investment, in % of Respondents, April 2024
U.S.: Top Reported Benefits from Responsible AI Investment, in % of Respondents, April 2024
U.S.: Perceived Level of Organizational Support for GenAI Capability Building, in % of Resp., Oct-Nov 2024
U.S.: Presence and Maturity of GenAI Road Maps Among C-Suite Leaders, in % of Resp., Oct-Nov 2024
U.S.: Revenue-Generating GenAI Use Case Identification by C-Suite Leaders, in % of Resp., Oct-Nov 2024
U.S.: Share of CFOs That Say Their Access to AI Technology Is Very Or Extremely Important, in %, Feb. 2024
U.S.: Leading AI Assistants by Provider, in % of Respondents, April 2025

6. North America: B2B E-Commerce & Digital Trade

6.1. B2B E-Commerce Market Size, Growth & Structure

U.S.: B2B E-Commerce Sales Value, in USD trillion, & in % of Y-o-Y Change, in %, 2019-2023
U.S.: Share of B2B E-Commerce Sales Making Up Total Electronic Sales, in % of Total Electronic Sales, 2019-2023
U.S.: Share of B2B E-Commerce Sales Making Up Total B2B Sales, in % of Total B2B Sales, 2019-2023
U.S.: B2B E-Commerce Site Sales, in USD trillion, 2022e-2026f
U.S.: Share of B2B E-Commerce Site Sales Making Up Total B2B Electronic Sales, in % of Total B2B Electronic Sales, 2022e-2026f
U.S.: B2B E-Commerce Marketplace Sales Value, in USD billion, & in % of Y-o-Y Change, in %, 2020-2023
U.S.: Share of B2B E-Commerce Marketplace Sales Making Up Total Electronic Sales, in % of Total Electronic Sales, 2020-2023
U.S.: Share of B2B E-Commerce Marketplace Sales Making Up Total B2B Sales, in % of Total B2B Sales, 2019-2023
U.S.: B2B Sales Origin, by Sales Value, in USD trillion, 2023e
U.S.: Share of B2B E-Commerce Making Up Total B2B Sales, in %, 2021 & 2027f

6.2. B2B Marketplace, Buyer Behavior & Key Players
6.2.1. North America

North America: Breakdown of B2B Purchases Made on B2B Marketplaces, by Share, in %, 2023e
North America: Breakdown of B2B Purchases Made on B2B Marketplaces in the Next 12 Months, by Share, in %, 2023e
North America: Breakdown of Preferences For Purchases Through B2B Marketplaces Over Traditional Purchasing Arrangements, in %, 2023e
North America: B2B Marketplaces Used to Find And Purchase Supplies, in % of Companies, 2023e
North America: Breakdown of Supplier Number Used by Companies, in %, 2023e
North America: Experienced B2B Marketplace Features, in % of Companies, 2023e
North America: Top Pain Points Experienced on B2B Marketplaces, in % of Companies, 2023e
North America: Most Significant Benefits Realized From Purchasing Through B2B Marketplaces, in % of Companies, 2023e
North America: Least Significant Benefits Realized From Purchasing Through B2B Marketplaces, in % of Companies, 2023e

6.2.2. U.S.

U.S.: Share of B2B Buyers Who Would Switch Suppliers If Another B2B Web Store Offered a Better Experience, in %, 2023*
U.S.: Breakdown of B2B Product Sales, by Channel, in %, 2023e
U.S.: Share of B2B E-Commerce Making Up Total B2B Sales, in %, 2021 & 2027f
U.S.: Share of Companies That Sell Through Third-Party Marketplaces Like Amazon, in %, December 2022
U.S.: Amazon Business Product Sales Value, in USD billion, 2022 & 2023e
U.S.: Electronic Purchasing Options In Which B2B Buyers Participate, in % of B2B Buyers, 2023e
U.S.: Breakdown of Total B2B Spending of Companies Done Via Amazon Business, in %, 2023e
U.S.: Share of B2B Buyers That Do More Than a Quarter of Their Purchasing On Amazon Business, in %, 2023e
U.S.: Share of B2B Buyers That Do More Than Half of Their Purchasing On Amazon Business, in %, 2023e
U.S.: Share of B2B Buyers That Do Not Buy Anything On Amazon Business, in %, 2023e
U.S.: Share of B2B Buyers That Buy On Other B2B Marketplaces Than Amazon Business, in %, 2023e

6.3. B2B Marketplaces & Payments Landscape

U.S.: Overview of Selected B2B Marketplaces, April 2024 (1 of 3)
U.S.: Overview of Selected B2B Marketplaces, April 2024 (2 of 3)
U.S.: Overview of Selected B2B Marketplaces, April 2024 (3 of 3)
U.S.: Critical Features of Selected B2B Marketplaces, April 2024 (1 of 2)
U.S.: Critical Features of Selected B2B Marketplaces, April 2024 (2 of 2)
U.S.: Breakdown of B2B Payment Transaction Value, by Payment Method, in USD trillion, 2018-2022e
U.S.: Breakdown of B2B Payment Transaction Value, by Transaction Method, in % of Total B2B Transaction Value, 2019 & 2024f
U.S.: B2B Card Payment Transaction Value, in USD trillion, & in % of Y-o-Y Change, in %, 2019-2024f
U.S.: ACH B2B Payment Transaction Value, in USD trillion, & in % of Y-o-Y Change, in %, 2019-2024f
U.S.: Check And Cash B2B Payment Transaction Value, in USD trillion, & in % of Y-o-Y Change, in %, 2019-2024f
U.S.: Share of Digital Making Up Total B2B Transactions, in %, 2025f
U.S.: Share of B2B Payments That Experience Errors, in %, 2023e
U.S.: Share of B2B Invoices That Are Paid Late, in %, 2023e

Samples

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Companies Mentioned (Partial List)

A selection of companies mentioned in this report includes, but is not limited to:

Notion
Citizens Bank
Mastercard
Stripe
Perplexity
Meta
Microsoft
Amazon
Google
OpenAI
Walmart
Shein
PayPal
Apple Pay
Venmo
Cash App
Amazon Business
Alibaba
Global Sources
Thomasnet
eWorldTrade
Full Leaf Tea Company
Clearco
Cavela

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North America’s Digital Commerce Growth Continues as Market Concentration Increases

Payments Landscape Shifts as Wallet Usage Rises but Cards Maintain Revenue Lead

AI Deployment Accelerates Across Commerce and Finance Despite Governance Gaps

B2B E-Commerce Expands Through Marketplaces While Integration Challenges Remain

Key Questions Answered

Table of Contents

Samples

Companies Mentioned (Partial List)

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