AI轉型 (2025年):全球引進趨勢，革新，數位付款及電子商務領域的影響

全球人工智慧投資與應用呈現顯著成長

全球人工智慧技術支出持續成長，預計到 2030 年，生成型人工智慧市場規模將達到 4,250 億美元。到 2025 年，三分之一的企業將為人工智慧專案投入超過 2,500 萬美元，尤其是在日本、新加坡和美國等領先地區。人工智慧的應用已超越試點項目，目前約有 80% 的組織正在多個業務職能部門部署人工智慧。

生成型人工智慧推動營收成長與營運效率提升

生成型人工智慧已為各行各業帶來了顯著的績效提升，推動了營收成長和成本節約。策略、供應鏈、行銷和軟體工程領域均實現了兩位數的成長，而供應鏈營運、風險管理和人力資源領域的成本節約則超過 10%。這些發展顯示人工智慧在數位支付和電子商務領域日益增長的策略價值。

治理、人才和道德準備方面的差距持續存在

儘管人工智慧的採用正在加速，但重大課題依然存在。只有略高於 20% 的公司表示已建立健全的風險管理和合規系統，人才短缺正推動企業轉向內部培訓和再培訓，以提高 AI 技能。

本報告提供全球AI的引進趨勢調查，彙整AI的投資·引進的目的·用途，投資規模，由於生成AI的收益增加趨勢，由於生成AI的降低成本層級，AI引進的風險相關分析等資訊。

目錄

第1章 重要點

第2章 管理摘要

第3章 與AI市場情勢投資趨勢

• 全球：技術市場規模及年成長
• 全球：金融科技領域 AI 的成長
• 全球：生成式 AI 市場規模
• 全球：以支出金額劃分的 AI 投資意向，佔比公司
• 全球：按策略重點領域劃分的 AI 投資份額，領先公司佔比
• 全球：按策略重點領域劃分的 AI 投資份額，受訪者佔比
• 美國：中型市場與私募股權公司的 AI 投資計劃
• 全球：自主 AI 與整合技術推動創新
• 全球：推動支付未來發展的關鍵趨勢
• 全球：AI 驅動的轉型，創造機會並應對課題

第4章 AI的引進，利用，組織整合

• 全球：AI 在一個或多個業務職能中的應用
• 全球：AI 在組織中的應用
• 全球：有意使用 AI 工具的頻率
• 全球：工作場所有意使用的 AI 工具類型
• 全球：報告在工作場所使用 AI 的員工和組織的百分比
• 全球：工作場所的 AI 趨勢、生產力效益與治理風險
• 全球：新技術的採用率
• 全球：人口結構變化，被動人工智慧的應用以及有限的認知
• 全球：各產業人工智慧成熟度、各地區應用模式及策略業務轉型

第5章 付款，銀行，金融的AI的應用

• 全球：提升支付安全性和效率
• 全球：交易監控、身份驗證和支付優化中的人工智慧
• 全球：利用嵌入式金融、API、人工智慧和信用工具的 B2B 支付
• 全球：金融領域應用人工智慧的主要障礙
• 全球：銀行業基於代理和生成式人工智慧的關鍵發展
• 美國：金融領域人工智慧的應用（按職能、領導角色和治理優先順序劃分）
• 美國：推動人工智慧在金融流程中應用的領導角色
• 美國：中型市場和私募股權公司對人工智慧影響的預期

第六章：人工智慧電子商務、消費者互動與零售創新

• 全球：消費者對購物中生成式人工智慧的開放程度
• 全球：人工智慧消費者對電子商務功能的興趣
• 全球：人工智慧和加密應用消除了購物車放棄和數位結帳的摩擦
• 全球：人工智慧在亞馬遜物流營運的頂級應用
• 全球：Visa 人工智慧在代幣化支付、數位身分和代理商商務的用例

第七章：生成式人工智慧和基於代理的人工智慧用例和新興工具

• 全球：基於代理的人工智慧提供效率、個人化和信任
• 全球：生成式人工智慧的採用趨勢、創新影響與道德風險
• 全球：關鍵技術與支付平台採用的模型情境協議

第八章：人工智慧的業務影響：收入和成本結果

• 營收成長利用生成式人工智慧
  • 全球：生成式人工智慧在策略和企業財務領域提升收入
  • 全球：生成式人工智慧在供應鏈和庫存管理領域提升收入
  • 全球：生成式人工智慧在行銷和銷售領域提升收入
  • 全球：生成式人工智慧在服務營運領域提升收入
  • 全球：生成式人工智慧在軟體工程領域提升收入
  • 全球：生成式人工智慧在產品或服務開發領域提升收入
• 利用生成式人工智慧降低成本
  • 全球：生成式人工智慧在供應鏈和庫存管理領域降低成本的程度
  • 全球：生成式人工智慧在服務營運領域節省成本
  • 全球：生成式人工智慧在策略和企業財務領域節省成本
  • 全球：生成式人工智慧在人力資源領域節省成本
  • 全球：生成式人工智慧在軟體工程領域節省成本
  • 全球：風險、法律與合規領域的生成式人工智慧
  • 全球：生成式人工智慧在行銷和銷售領域節省成本
  • 全球：生成式人工智慧在 IT 領域節省成本
  • 全球：生成式人工智慧在產品和服務開發領域節省成本
  • 全球：生成式人工智慧在知識管理領域節省成本

第 9 章 人工智慧治理、策略與企業就緒

• 支付公司的全球人工智慧治理課題、重點策略與領導角色
• 全球人工智慧治理、策略協調與高階主管所有權趨勢
• 全球人工智慧採用集中化
• 企業中的全球人工智慧採用及其業務影響
• 按組織規模劃分的全球人工智慧採用團隊
• 按組織規模劃分的全球生成式人工智慧融入業務流程狀況
• 按組織推動生成式人工智慧採用的全球高階領導者規模
• 擁有清晰生成式 AI 應用路線圖的全球組織

第 10 章 AI 訓練、技能發展與人才培育

• 全球 AI 培訓採用率
• 全球 AI 訓練參與度與自我評估知識水平
• 按組織規模劃分的全球基於角色的生成式 AI 培訓課程採用率

第 11 章 AI 風險、信任與倫理考量

• 全球：主要的 AI 風險類別
• 全球：信任差距、可解釋性問題以及 AI 採用的組織差距
• 全球：AI 在工作場所使用的正面、中性和負面影響

第12章 總論

AI Adoption in Digital Payments and E-Commerce Drives Efficiency and Personalization but Raises Governance and Talent Concerns yStats.com Reports

Significant Growth in Global AI Investment and Deployment

Global spending on AI technologies is continuing its upward trajectory, with the generative AI market projected to reach USD 425 billion by 2030. By 2025, one in three companies is expected to allocate over USD 25 million toward AI initiatives, particularly across leading markets such as Japan, Singapore, and the USA. AI adoption has progressed beyond pilot programs, with almost 80% of organizations now implementing AI across multiple business functions.

Generative AI Fuels Revenue Gains and Operational Efficiency

Generative AI is contributing to measurable performance improvements across industries, supporting strong revenue growth and cost reduction efforts. Double-digit gains have been seen in functions such as strategy, supply chain, marketing, and software engineering, while cost savings exceeding 10% have been reported in areas including supply chain operations, risk mitigation, and human resources. These developments underscore AI's growing strategic value in digital payments and E-Commerce.

Ongoing Gaps in Governance, Talent, and Ethical Readiness

While AI adoption accelerates, major challenges remain. Over 20% of organizations report having robust risk and compliance structures in place. Talent shortages are prompting a shift toward upskilling and internal training in AI competencies. At the same time, ethical issues such as data privacy, transparency, and user trust continue to shape the dialogue around responsible AI implementation.

Table of Contents

• 1. Key Takeaways

2. Management Summary

3. AI Market Landscape and Investment Trends

• Global: Technology Market Size and Year-over-Year Growth, in USD trillions, 2024 & 2025f
• Global: Growth of AI in Fintech Market, in USD billions, 2025 & 2030f
• Global: Generative AI Market Size, in USD billions, 2025 & 2030f
• Global: AI Investment Intentions by Spending Range, in % of Companies, 2025
• Global: Share of AI Investment by Strategic Focus Area, in % of Leading Companies, 2024
• Global: Share of AI Investment by Strategic Focus Area, in % of Respondents, 2024
• USA: AI Investment Plans Among Midsize Companies and Private Equity Firms, in % of Resp., 2023 & 2024
• Global: Driving Innovation Through Autonomous AI and Integrated Technologies, June 2025
• Global: Key Trends Driving the Future of Payments, June 2025
• Global: AI-Driven Transformation, Unlocking Opportunities and Addressing Challenges, June 2025

4. AI Adoption, Usage, and Organizational Integration

• Global: AI Use in One or More Business Functions, in % of Respondent Organizations, 2021 & 2H 2024
• Global: Organizational Use of AI by Extent of Task Integration, in % of Employees, 2025
• Global: Frequency of Intentional Use of AI Tools, in % of respondents, 2025
• Global: Types of AI Tools Intentionally Used at Work, in % of usage, 2025
• Global: Share of Employees and Organizations Reporting AI Use at Work, in % of Respondents, 2022 & 2024
• Global: Workplace Adoption Trends, Productivity Benefits, and Governance Risks in AI Use, June 2025
• Global: Adoption of New Technologies, in % of C-Suite Respondents, 2024
• Global: Demographic Variation, Passive Use, and Limited Recognition of AI, June 2025
• Global: Sector AI Maturity, Regional Adoption Patterns, and Strategic Business Transformation, June 2025

5. AI Applications in Payments, Banking, and Finance

• Global: Advancing Payment Security and Efficiency, June 2025
• Global: AI in Transaction Monitoring, Identity Verification, and Payment Optimization, June 2025
• Global: B2B Payments with Embedded Finance, APIs, AI, and Credit Tools, June 2025
• Global: Key Barriers to AI Implementation in Finance, June 2025
• Global: Key Developments in Agentic and Generative AI across Banking Segments, June 2025
• USA: AI Use in Finance by Function, Leadership Role, and Governance Priorities, June 2025
• USA: Leadership Roles Driving AI Adoption in Financial Processes, in % of Respondents, 2023 & 2024
• USA: Top AI Use Cases Including Payment Automation and Fraud Detection, in % of Respondents, 2024
• USA: Expectations on AI's Impact in Midsize Comp. and Private Equity Firms, % of Respondents, 2023 & 2024

6. AI in E-Commerce, Consumer Interaction, and Retail Innovation

• Global: Consumer Openness to Generative AI in Shopping, % of Consumers, 2024
• Global: Consumer Interest in AI E-Commerce Features, in % of Respondents, 2025
• Global: AI and Crypto Applications Tackle Cart Abandonment and Digital Checkout Friction, June 2025
• Global: Key Applications of AI in Amazon's Logistics Operations, June 2025
• Global: Visa AI Use Cases in Tokenized Payments, Digital Identity & Agentic Commerce, June 2025

7. Generative and Agentic AI Use Cases and Emerging Tools

• Global: Enabling Efficiency, Personalization, and Trust with Agentic AI, June 2025
• Global: Adoption Trends, Innovation Impact, and Ethical Risks in Generative AI, June 2025
• Global: Adoption of Model Context Protocol by Major Tech and Payment Platforms, June 2025

8. AI-Driven Business Impact: Revenue and Cost Outcomes

• 8.1. Revenue Increases from Generative AI
  • Global: Revenue Increases from Generative AI in Strategy and Corporate Finance, in % of Respondents, 2024
  • Global: Revenue Increases from Generative AI in Supply Chain and Inventory Management, in % of Respondents, 2024
  • Global: Revenue Increases from Generative AI in Marketing and Sales, in % of Respondents, 2024
  • Global: Revenue Increases from Generative AI in Service Operations, in % of Respondents, 2024
  • Global: Revenue Increases from Generative AI in Software Engineering, in % of Respondents, 2024
  • Global: Revenue Increases from Generative AI in Product or Service Development, in % of Respondents, 2024
• 8.2. Cost Reduction from Generative AI
  • Global: Cost Reduction Levels from Generative in Supply Chain and Inventory Management, in % of Respondents, 2024
  • Global: Cost Reduction Levels from Generative AI in Service Operations, in % of Respondents, 2024
  • Global: Cost Reduction Levels from Generative AI in Strategy and Corporate Finance , in % of Respondents, 2024
  • Global: Cost Reduction Levels from Generative AI in HR , in % of Respondents, 2024
  • Global: Cost Reduction Levels from Generative AI in Software Engineering, in % of Respondents, 2024
  • Global: Cost Reduction Levels from Generative AI in Risk, Legal, and Compliance, in % of Respondents, 2024
  • Global: Cost Reduction Levels from Generative AI in Marketing and Sales, in % of Respondents, 2024
  • Global: Cost Reduction Levels from Generative AI in IT, in % of Respondents, 2024
  • Global: Cost Reduction Levels from Generative AI in Product or Service Development, in % of Respondents, 2024
  • Global: Cost Reduction Levels from Generative AI in Knowledge Management, in % of Respondents, 2024

9. AI Governance, Strategy, and Enterprise Readiness

• Global: AI Governance Challenges, Centralized Strategies, and Leadership Roles in Payment Firms, June 2025
• Global: AI Governance, Strategic Alignment, and Executive Ownership Trends, June 2025
• Global: Degree of Centralization of AI Deployment, in % of Respondents, 2024
• Global: AI Adoption Across Enterprises and Its Business Impact, June 2025
• Global: Gen AI Adoption Teams by Organization Size, in % of Respondents, 2024
• Global: Embedding of Gen AI into Business Processes by Organization Size, in % of Respondents, 2024
• Global: Senior Leaders Driving Gen AI Adoption by Organization Size, in % of Respondents, 2024
• Global: Organizations With Defined Roadmaps for Gen AI Adoption by Organization Size, in % of Respondents, 2024

10. AI Training, Skills Development, and Workforce Enablement

• Global: Adoption of AI Training, in % of Workforce, 2025
• Global: AI Training Participation and Self-Assessed Knowledge Levels, in % of Respondents, 2025
• Global: Adoption of Role-Based Gen AI Training Courses by Organization Size, in % of Respondents, 2024

11. AI Risks, Trust, and Ethical Considerations

• Global: Key AI Risk Categories, in % of Respondents, 2025
• Global: Trust Disparities, Explainability Concerns, and Organizational Gaps in AI Adoption, June 2025
• Global: Positive, Neutral, or Negative Impacts of AI Use in the Workplace, in % of Employees, 2025

12. Conclusion