亞洲電商及支付領域的人工智慧：應用前景、投資報酬率、風險及治理（2025）

AI in Asia's E-Commerce and Payments: Adoption, ROI, Risk, and Governance Outlook 2025

出版日期: 2025年07月04日 | 出版商:

yStats.com | 英文 79 Pages | 商品交期: 最快1-2個工作天內

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簡介目錄

據 yStats.com 表示，亞洲電商和支付領域的人工智慧應用推動了成長並降低了風險，但也凸顯了地區差異和成本障礙。

亞洲電商的人工智慧應用差距

亞洲電商的人工智慧應用仍不均衡。儘管印度和中國處於領先地位，但東南亞仍處於發展階段。 Lazada 集團的資料顯示，截至2025年 2月，該地區只有 25%的商家已完全整合人工智慧，而 50%的商家處於早期階段。這凸顯了對更完善的基礎設施和支援的需求。

基礎人工智慧工具占主導地位，高級應用卻很少

許多商家依賴聊天機器人等基礎人工智慧工具，而預測分析等高階人工智慧工具的採用仍然有限。Lazada Group將賣家分為三類：熟練者（Adepts）、有志者（Aspirants）、不可知者（Agnostics），每類賣家的採用意願程度各不相同。成本（64%）和不確定性（61%）是採用的主要障礙，阻礙了其廣泛應用。

人工智慧的採用既能提高效率，又能帶來風險

人工智慧在提高營運效率的同時，也增加了風險。根據 TechNode 報導，到2024年，新加坡、泰國和印尼的人工智慧相關詐欺將增加200%以上。為此，金融業採用生物辨識身分驗證、詐欺分析和人工智慧預警系統，以增強數位支付的安全性。

本報告探討了亞洲電子商務和支付領域人工智慧應用的趨勢，涵蓋各地區和國家的人工智慧採用情況、消費者和商家對人工智慧工具的使用情況、風險管理、信任和安全措施、主要公司的戰略舉措以及公共和私營部門的人工智慧舉措。

各地區 AI 應用基準
- 亞洲：各國 AI 系統採用情況
- 東南亞：各國家/地區 AI 採用水準的電商商家
- 東南亞：各國 AI 採用率
賣家細分與障礙
- 亞洲：AI 風險與效益認知
- 東南亞：賣家對 AI 效益的認知
- 東南亞：線上商家 AI 應用障礙
- 東南亞：各國 AI 專家佔有率
- 東南亞：各國家 AI 不感興趣佔有率
- 東南亞：各國家 AI 有志者佔有率國家
- 東南亞：電商商家對 AI 的冷淡態度東南亞賣家體驗提升的關鍵領域
- 東南亞：提升 AI 新手賣家體驗的關鍵領域
- 東南亞：提升 AI 老手賣家體驗的關鍵領域
依地區和國家進行深入分析
- 新加坡：電商零售商 AI 採用：依工具
- 馬來西亞：電商零售商 AI 採用：依工具
- 印尼：電商零售商 AI 採用：依工具
- 泰國：電商零售商 AI 採用：依工具
- 菲律賓：電商零售商 AI 採用：依工具
- 越南：電商零售商 AI 採用：依工具

第四章功能案例與經濟影響

電商商家經營
- 東南亞：依業務職能和準備狀況劃分的AI 採用情況
- 東南亞：依市場劃分的AI 工具使用、功能採用程度和商家準備情況
- 東南亞：使用特定 AI 工具的電商商家百分比
- 亞太地區：消費者使用離線、數位和 AI 管道進行產品發現
- 亞太地區：消費者使用線下、數位和 AI 管道進行產品研究
- 東南亞：電商與數位支付領域 AI 應用的驅動因素
- 東南亞：使用 AI/生成式 AI 的平均成本節省
- 東南亞：使用 AI/生成式 AI 的平均收入成長
支付和金融科技用例
- 亞洲：AI 在信貸包容性、財務自動化和採購創新的應用
- 亞洲：AI 驅動的雲端銀行、投資分析、垂直 B2B 金融解決方案
- 亞太地區：AI 整合、穩定幣銀行卡、代幣化匯款、小型商家接入

第五章風險管理、信任與安全

詐欺和威脅趨勢
- 東南亞：人工智慧相關詐欺率年增
- 亞太地區：合成身分詐欺、深度偽造、身分驗證漏洞、各國金融科技趨勢
偵測工具與風險模型
- 東南亞：人工智慧偵測誤報率超過 80%，生成式人工智慧用於警報和支持
- 東南亞：風險評分模型、網路分析、資料分享工作
- 亞太地區：亞太地區詐欺偵測、即時支付安全、生物辨識身分驗證人工智慧趨勢
- 亞太地區：人工智慧驅動的企業詐欺管理、身分驗證、整合挑戰
信任與準備
- 亞太地區：各國在職場對人工智慧的有意使用與信任度
- 亞太地區：各國對人工智慧系統的信任度與接受度
- 亞太地區：消費者對人工智慧的信任度：依活動類型
監理與合規
- 亞太地區：人工智慧驅動的網路防禦、身分風險管理和合規自動化
- 亞太地區：金融犯罪監理、合成身分洗錢與人工智慧合規策略

第六章競爭格局與人工智慧策略措施

市場規模與活躍度
- 亞洲：人工智慧驅動的金融科技公司融資狀況
- 亞洲：人工智慧驅動的金融科技公司數量及佔金融科技公司總數的百分比
- 亞洲：人工智慧驅動的金融科技公司的主要國家/地區
主要參與者的策略性舉措
- 亞洲：透過支付寶+進行跨國整合、市場進入、策略退出、全球合作關係
- 亞太地區：Visa AI Commerce、Mastercard Agent Pay、購物者趨勢、市場定位

第七章 AI 治理、監管與創新驅動力

公私部門的AI 計劃
- 亞洲：2025年 AI 治理、基礎設施和金融實驗的公共和私營部門驅動力
- 亞洲：四大經濟體的AI 沙盒與能力建構計畫
- 亞洲：2025年四大金融市場以 AI 為重點的監理沙盒與創新中心
區域 AI 創新框架
- 亞洲：AI 創新驅動力、金融包容性、監管洞察、風險管理
- 亞洲：AI 創新的監管架構、市場契合度、協調性和專業知識
- 亞洲：AI 創新驅動力的設計、資源和監管障礙在金融市場
- 亞洲：發展跨產業的人工智慧實驗平台與治理
- 亞太地區：打擊金融犯罪的人工智慧策略、預測能力和治理重點
- 東南亞：影響人工智慧應用的基礎設施、人才和監管障礙
- 東南亞：人工智慧對各產業和國家經濟成長的貢獻

簡介目錄

Product Code: 1696

AI Adoption in Asia's E-Commerce and Payments Spurs Growth and Risk Mitigation, but Highlights Regional Gaps and Cost Barriers , According to yStats.com

AI Gaps Persist in Asia's E-Commerce Sector

AI adoption across Asia's E-Commerce landscape remains uneven. India and China are ahead, but Southeast Asia is still catching up. According to Lazada Group, by February 2025, only 25% of sellers in the region had fully integrated AI, while 50% remained in early-stage development. This reflects a pressing need for better infrastructure and support.

Basic AI Tools Dominate, Advanced Use Still Rare

Most sellers rely on chatbots, while adoption of advanced tools like predictive analytics is still limited. Sellers fall into three groups, Adepts, Aspirants, and Agnostics each with different levels of readiness. Lazada Group highlights that cost (64%) and uncertainty (61%) are major barriers, slowing down broader implementation.

AI Adoption Raises EfficiencyAnd Risk

AI boosts performance but also exposes vulnerabilities. In 2024, AI-related fraud jumped by over 200% in Singapore, Thailand, and Indonesia, according to TechNode. Financial players are responding with biometric checks, fraud analytics, and AI-powered alerts to safeguard digital payments.

1. Key Takeaways

2. Management Summary

3. AI Adoption Landscape & Regional Patterns

3.1. Regional Adoption Benchmarks
- Asia: Adoption of AI Systems by Country, in % of Resp. Reporting Regular Use*, Nov 2024 - Jan 2025
- SEA: Share of E-Commerce Sellers by Level of AI Adoption, in % of Resp., February 2025
- SEA: Claimed vs Actual AI Adoption Rates by E-Commerce Sellers, in % of Respond., 2025
3.2 Seller Segmentation & Barriers
- Asia: Perception of AI Benefits Over Risks, in % of Respondents by Country, Nov 2024 - Jan 2025
- SEA: Seller Perceptions of AI Benefits, in % of Respondents, February 2025
- SEA: Barriers to AI Adoption Among Online Sellers, in % of Respondents, February 2025
- SEA: Share of AI Adepts by Country, in % of E-Commerce Sellers, February 2025
- SEA: Share of AI Agnostics by Country, in % of E-Commerce Sellers, February 2025
- SEA: Share of AI Aspirants by Country, in % of E-Commerce Sellers, February 2025
- SEA: Key Areas to Improve Seller Experience Among AI Agnostics, in % of E-Com. Sellers, Feb. 2025
- SEA: Key Areas to Improve Seller Experience Among AI Aspirants, in % of E-Com. Sellers, Feb. 2025
- SEA: Key Areas to Improve Seller Experience Among AI Adepts, in % of E-Com. Sellers, Feb. 2025
3.3 Regional Country Deep Dive
- Singapore: AI Adoption by Tool Type Among E-Commerce Sellers, in % of Resp. Using Each Tool, Feb. 2025
- Malaysia: AI Adoption by Tool Type Among E-Commerce Sellers, in % of Resp. Using Each Tool, Feb. 2025
- Indonesia: AI Adoption by Tool Type Among E-Commerce Sellers, in % of Resp. Using Each Tool, Feb. 2025
- Thailand: AI Adoption by Tool Type Among E-Commerce Sellers, in % of Resp. Using Each Tool, Feb. 2025
- Philippines: AI Adoption by Tool Type Among E-Commerce Sellers, in % of Resp. Using Each Tool, Feb. 2025
- Vietnam: AI Adoption by Tool Type Among E-Commerce Sellers, in % of Resp. Using Each Tool, Feb. 2025

4. Functional Use Cases & Economic Impact

4.1. E-Commerce Seller Operations
- SEA: AI Adoption by Business Function and Readiness Group, in % of Functions, Feb. 2025
- SEA: AI Tool Usage, Functional Adoption Levels, and Seller Readiness by Market, 2025
- SEA: Share of E-Commerce Sellers Using Selected AI Tools, in % of Resp., February 2025
- APAC: Consumer Usage of Offline, Digital, & AI Channels for Product Discovery, in % of Resp., 2024
- APAC: Consumer Usage of Offline, Digital, & AI Channels for Product Research, in % of Resp., 2024
- SEA: Enablers of AI Adoption in E-Commerce and Digital Payments, April 2025
- SEA: Average Cost Reduction from AI/GenAI, in % of Total Costs, 2023 & 2027
- SEA: Average Revenue Growth from AI/GenAI, in % Revenue Growth, 2023 & 2027
4.2. Payments & FinTech Use Cases
- Asia: AI Applications in Credit Inclusion, Finance Automation, and Procurement Innovation, April 2025
- Asia: AI-Driven Cloud Banking, Investment Analytics, and Vertical B2B Financial Solutions, April 2025
- APAC: AI Integration, Stablecoin Cards, Tokenised Transfers, and Micro-Merchant Access, June 2025

5. Risk Management, Trust & Security

5.1 Fraud & Threat Trends
- SEA: Year-over-Year Increase in AI-linked Fraud Rate, in %, 2024
- APAC: Synthetic Identity Fraud, Deepfakes, Verification Gaps and Country Trends in FinTech, 202
5.2 Detection Tools & Risk Models
- SEA: AI Detection with 80%+ False Positives, Generative AI for Alerts and Support, 2024
- SEA: Risk-Scoring Models, Network Analytics, and Data-Sharing Efforts, 2024
- APAC: AI in Fraud Detection, Real-Time Payment Security, and Biometric Authentication, July 2025
- APAC: AI-Driven Enterprise Fraud Management, Identity Verification, and Integration Challenges, July 2025
5.3 Trust & Readiness
- Asia: Intentional Use and Trust of AI at Work by Country, in % of Respondents, Nov 2024 - Jan 2025
- Asia: Trust and Acceptance of AI Systems by Country, in % of Respondents, Nov 2024 - Jan 2025
- APAC: Consumers' AI Trust by Activity Type, in % of Respondents, 2024
5.4 Regulation & Compliance
- Asia: Cyber Defence, Identity Risk Management and Compliance Automation via AI, April 2025
- APAC: Financial Crime Regulation, Synthetic Identity Laundering, and AI Compliance Strategy, July 2025

6. Competitive Landscape & Strategic AI Movement

6.1. Market Scale & Activity
- Asia: Funding for AI-Driven FinTech Companies, in USD billions, 2023-2025f
- Asia: Number of AI-Driven FinTech Companies, in thous., in % of Total FinTech Comp., 2023, 2025e
- Asia: Top Countries of AI FinTech Companies, in % of Total AI FinTech Companies, 2025
6.2. Strategic Moves by Key Players
- Asia: Cross-Border Integration, Market Entry, Strategic Exit and Global Partnerships via Alipay+, 2024
- APAC: Visa AI Commerce, Mastercard Agent Pay, Shopper Trends, and Market Positioning, May 2025

7. AI Governance, Regulation & Innovation Enablers

7.1 Public & Private Sector AI Initiatives
- Asia: Public & Private Drivers of AI Governance, Infrastructure and Experimentation in Finance, 2025
- Asia: AI Sandboxes and Capacity-Building Programs in Four Economies, 2025
- Asia: AI-Focused Regulatory Sandboxes and Innovation Hubs in Four Financial Markets, 2025 (1 of 2)
- Asia: AI-Focused Regulatory Sandboxes and Innovation Hubs in Four Financial Markets, 2025 (2 of 2)
7.2 Regional AI Innovation Frameworks
- Asia: AI Innovation Facilitators, Financial Inclusion, Regulatory Insight and Risk Management, 2025
- Asia: Regulatory Frameworks for AI Innovation, Market Fit, Coordination, and Expertise, 2025
- Asia: Design, Resource, and Oversight Barriers of AI Innovation Facilitators in Financial Markets, 2025
- Asia: Development of AI Experimentation Platforms and Governance Across Multiple Sect., 2025 (1 of 2)
- Asia: Development of AI Experimentation Platforms and Governance Across Multiple Sect., 2025 (2 of 2)
- APAC: AI Strategy in Anti-Financial Crime, Predictive Capabilities, and Governance Priorities, July 2025
- SEA: Infrastructure, Talent, and Regulatory Barriers Impacting AI Adoption, April 2025
- SEA: Sectoral and Country-Level AI Contributions to Economic Growth, April 2025