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市場調查報告書
商品編碼
1780253
歐洲的付款及電子商務的AI:引進的差距，法規的變化，2025年主要的展開AI in Europe's Payments and E-Commerce: Adoption Gaps, Regulatory Shifts, and Key Developments 2025 |
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根據 yStats.com 的數據，歐洲支付和電子商務領域的人工智慧應用正在加速，但在信任、人才和整合方面仍然存在差距。
北歐和東歐在人工智慧應用方面處於領先地位，但整合方面的差距仍然存在。
整個歐洲的人工智慧應用勢頭強勁，波羅的海和北歐國家的企業尤其活躍。拉脫維亞、挪威和愛沙尼亞等國家處於領先地位，波蘭和斯洛維尼亞的人工智慧應用率也高於地區平均。同時，德國、法國和荷蘭等主要經濟體的進展較慢，西班牙的人工智慧應用融入度較低。雖然實驗性應用已廣泛開展，但許多公司尚未達到營運成熟度。
歐洲新出台的人工智慧法案將分出勝負
歐盟《人工智慧法案》、《數位業務復原法案》（DORA）和《一般資料保護規範》（GDPR）的交織，使得監管合規性成為差異化因素。根據這份報告，將遵守這些法規納入其人工智慧策略的公司，將在詐欺偵測和信用評分等高風險領域獲得結構性優勢。同時，未能在試點計畫之外實施人工智慧的公司則面臨被淘汰的風險。
缺乏信任阻礙了人工智慧在金融服務領域的潛力
大眾對人工智慧進步的懷疑持續存在。在許多歐洲國家，只有不到一半的使用者認為人工智慧的益處大於風險，尤其是在北歐和西歐。深度偽造和網路釣魚等人工智慧驅動的詐欺技術的蔓延進一步削弱了人們的信任。 yStats.com 執行長 Yucel Yelken 警告：“如果不加強信任、人才和基礎設施建設，歐洲的人工智慧發展可能會停滯不前，並繼續受‘監管驅動’。” 本報告探討了歐洲支付和電子商務領域的人工智慧趨勢，提供了該地區及主要國家人工智慧應用的資訊、人工智慧應用案例、風險管理、信任和安全趨勢、競爭格局以及對每個主要國家的詳細分析。
目錄
第1章 管理摘要
第2章 重要點
第3章 AI引進的形勢與地區模式
- 各地區採用基準
- 北歐和西歐：各國家/地區 AI 應用（定期使用 AI 的受訪者百分比）
- 南歐和東歐：各國 AI 應用（定期使用 AI 的受訪者百分比）
- 歐洲：各國家員工人數在 10 人以上的公司 AI 技術採用率
- 歐洲：各國家員工人數在 10 人以上的公司 AI 應用類型百分比
- 歐洲：各國家員工使用 AI 工具狀況（每週多次使用 AI 的受訪者百分比）週）
- 賣家細分與壁壘
- 歐洲：生成式人工智慧應用緩慢、IT 投資不足及基礎設施限制
- 歐洲：人工智慧再訓練目標、人才保留問題及合規障礙
第4章 功能用例及經濟影響
- 電商商家經營
- 歐洲：人工智慧在 LVMH 設計、電商、互動和營運中的整合
- 歐洲：人工智慧在 LVMH 電商搜尋、會員計畫和銷售工具中的應用
- 支付和金融科技用例
- 歐洲：人工智慧驅動的支付自動化、詐欺偵測和核心基礎設施升級
- 歐洲：人工智慧在開放銀行的應用，用於風險管理、價值服務和基礎設施效率
- 歐洲：人工智慧錢包集成、P2P 擴展和數位歐元集成
- 歐洲：人工智慧驅動的 MCA 成長、PSP 整合和 PSD3 監管協調
- 歐洲：數位歐元、MiCA 監管、創新框架和人工智慧驅動的支付
第5章 風險管理，信賴和保全
- 詐欺和威脅趨勢
- 歐洲：人工智慧驅動的詐欺預防、生物辨識身份驗證和標記化結帳解決方案
- 歐洲：人工智慧驅動支付中的深度偽造、合成 ID 和用戶引導操縱
- 歐洲：多通路欺騙的負擔、人工智慧支援的假訊息和詐欺情勢
- 偵測工具與風險模型
- 歐洲：詐欺防制、聊天機器人自動化、個人化與流程效率
- 歐洲：風險與合規職能中的 AI 用例（受訪者百分比）
- 信任與準備
- 歐洲：家庭和工作場所關鍵生成式 AI 用例的採用情況（受訪者百分比）
- 歐洲：員工對生成式 AI 工作場所成果的看法（受訪者百分比）
- 歐洲：大眾對生成式 AI 使用的主要擔憂（受訪者百分比）
- 歐洲：以任務類型劃分的生成式 AI 使用（受訪者百分比）
- 歐洲：員工對 AI 導致失業的預期：按國家劃分（受訪者百分比，2025 年 6 月）
- 歐洲：將 AI 代理整合到營運工作流程的公司百分比：按國家/地區劃分（2025 年 6 月） 2025)
- 北歐和西歐：對人工智慧的信任和接受度（按國家/地區，受訪者百分比）
- 南歐和東歐：對人工智慧的信任和接受度（按國家/地區，受訪者百分比）
- 北歐與西歐：對人工智慧益處與風險的看法（按國家/地區，受訪者百分比）
- 南歐與東歐：對人工智慧益處與風險的看法（按國家/地區，受訪者百分比）
- 北歐和西歐：工作場所對人工智慧的常規使用和信任度（按國家/地區，受訪者百分比）
- 南歐和東歐：工作場所對人工智慧的常規使用和信任度（按國家/地區，受訪者百分比）
- 北歐國家：監管負擔、領導力差距以及人工智慧代理在生成性數據中的採用率低人工智慧
- 英國與北歐：企業領導者對生成式人工智慧的認知與應用（受訪者百分比）
- 德國/北歐：對生成式人工智慧應用的擔憂和實驗層面（受訪者百分比）
- 荷蘭/北歐國家：生成式人工智慧應用的障礙與信心（受訪者百分比）
- 監理與合規
- 北歐/西歐：各國家受訪者認為需要人工智慧監管的百分比
- 南歐/東歐：各國家受訪者認為需要人工智慧監管的百分比
- 歐洲：由於問責缺口、數據偏見和數據操縱，GPAI 驅動的消費者風險
- 歐洲：人工智慧整合的製度、監管與技術障礙
- 歐洲：GPAI銀行業中的可解釋性限制、ICT 風險和人才短缺
- 歐洲：AI 透明度、第三方監管、ICT 風險和道德使用要求
- 歐洲：AI 法律風險模型、電子商務採用和 AI 協議的早期採用
第6章 競爭情形和策略性AI的動向
- 市場規模與活動
- 歐洲：AI 世代生產力提升、模式短缺、基礎設施缺口與能源需求
- 歐洲：AI 半導體設計、雲端基礎設施和原料供應
- 主要公司的策略舉措
- 歐洲：透過資金、監管和創新推動 AI 治理
- 歐洲：雲端依賴、模組化 AI 架構與策略投資重點
- AI治理、監管與創新驅動力
- 歐洲：AI 法律、監管沙盒、測試環境與資料空間策略
第7章 各國聚光燈:國家的洞察和策略性課題
- 英國
- Deepfake 詐欺、金融科技漏洞以及 AI 驅動的詐欺執法缺陷
- AI 主導的企業詐欺中的高階主管冒充和跨境風險
- 德國
- 生成式 AI 的優勢（受訪者百分比）
- 生成式 AI 的主要障礙（受訪者百分比）
- 企業生成式 AI 策略實施情形（受訪者百分比）
- 在以下國家採用可信賴 AI 的最大障礙公司（受訪者百分比）
- 數位系統中的電子犯罪威脅媒介（受訪者百分比）
- 法國
- 生成式人工智慧的可信度、監管清晰度、人才缺口和基礎設施限制
- 生成式人工智慧應用的主要障礙以及與全球標準的比較
- 西班牙
- 公司對技術投資和策略性數位轉型的關注度（受訪者百分比）
- 人工智慧應用的結構性障礙、中小企業的限制以及碎片化的數位化策略
- 波蘭
- 不同規模公司對人工智慧投資的認知度（受訪者百分比）
- 體制差距、中小企業的阻力、人工智慧對競爭力的阻礙
AI Adoption Accelerates Across European Payments and E-Commerce, but Gaps in Trust, Talent, and Integration Persist, yStats.com Finds
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. As yStats.com CEO Yucel Yelken warns, "Without stronger trust, talent, and infrastructure, Europe's AI momentum may stall at the compliance layer."
Table of Contents
1. Management Summary
2. Key Takeaways
3. AI Adoption Landscape & Regional Patterns
- 3.1. Regional Adoption Benchmarks
- Northern & Western Europe: Adoption of AI by Country, in % of Respondents Reporting Regular Use, Nov 2024 - Jan 2025
- Southern & Eastern Europe: Adoption of AI by Country, in % of Respondents Reporting Regular Use, Nov 2024 - Jan 2025
- Europe: AI Technology Adoption by Country, in % of Enterprises with 10 or More Employees, 2023 & 2024
- Europe: AI Application Types, in % of Enterprises with 10 or More Employees, 2023 & 2024
- Europe: Employee Usage of AI Tool by Country, in % of Respondents Using AI Several Times Weekly, June 2025
- 3.2. Seller Segmentation & Barriers
- Europe: Lag in Generative AI Adoption, IT Investment Deficit, and Infrastructure Limitations, July 2025
- Europe: AI Reskilling Targets, Talent Retention Issues, and Compliance Barriers, July 2025
4. Functional Use Cases & Economic Impact
- 4.1. E-Commerce Seller Operations
- Europe: LVMH's AI Integration Across Design, E-Commerce, Engagement, and Operations, July 2025
- Europe: AI Use in LVMH's E-Commerce Search, Loyalty Programs, and Sales Tools, July 2025
- 4.2. Payments & FinTech Use Cases
- Europe: AI-Driven Payment Automation, Fraud Detection, and Core Infrastructure Upgrades, July 2025
- Europe: AI in Open Banking for Risk Control, Value Services, and Infrastructure Efficiency, July 2025
- Europe: AI Wallet Mergers, P2P Expansion, and Digital Euro Integration, July 2025
- Europe: AI-Driven MCA Growth, PSP Consolidation, and Regulatory Alignment via PSD3, July 2025
- Europe: Digital Euro, MiCA Regulation, Innovation Framework, and AI-Driven Payments, July 2025
5. Risk Management, Trust & Security
- 5.1. Fraud & Threat Trends
- Europe: AI Fraud Prevention, Biometric Authentication, and Tokenized Checkout Solutions, July 2025
- Europe: Deepfakes, Synthetic Identities, and Onboarding Manipulation in AI-Driven Payments, July 2025
- Europe: Multi-Channel Deception, AI Disinformation, and Detection Strain in Fraud Landscape, July 2025
- 5.2. Detection Tools & Risk Models
- Europe: Fraud Prevention, Chatbot Automation, Personalization, and Process Efficiency, July 2025
- Europe: AI Use Cases in Risk and Compliance Functions, in % of Respondents, Aug - Sep 2024
- 5.3 Trust & Readiness
- Europe: Personal and Work Adoption of Top Generative AI Use Cases, in % of Respondents, June - Aug 2024
- Europe: Employee Views on Generative AI's Workplace Outcomes, in % of Respondents, June - Aug 2024
- Europe: Top Public Concerns About Generative AI Use, in % of Respondents, June - August 2024
- Europe: Use of Generative AI by Task Type, in % of Respondents, June - August 2024
- Europe: Employee Expectations of AI Job Displacement by Country, in % of Respondents, June 2025
- Europe: AI Agent Integration into Operational Workflows by Country, in % of Companies, June 2025
- Northern & Western Europe: Trust and Acceptance of AI by Country, in % of Respondents, Nov 2024 - Jan 2025
- Southern & Eastern Europe: Trust and Acceptance of AI by Country, in % of Respondents, Nov 2024 - Jan 2025
- Northern & Western Europe: Views of AI Benefits Over Risks, in % of Respondents by Country, Nov 2024 - Jan 2025
- Southern & Eastern Europe: Views of AI Benefits Over Risks, in % of Respondents by Country, Nov 2024 - Jan 2025
- Northern & Western Europe: Regular Use and Trust of AI at Work by Country, in % of Respondents, Nov 2024 - Jan 2025
- Southern & Eastern Europe: Regular Use and Trust of AI at Work by Country, in % of Respondents, Nov 2024 - Jan 2025
- Nordics: Regulatory Burdens, Leadership Gaps, and Low AI Agent Adoption in GenAI, March 2025
- UK & Nordics: Perception & Adoption of GenAI Among Business Leaders, in % of Resp., September 2024
- Germany & Nordics: Concerns and Experimentation Levels in GenAI Adoption, in % of Resp., September 2024
- Netherlands & Nordics: Perceived Barriers and Trust Levels in GenAI Adoption, in % of Resp., September 2024
- 5.4. Regulation & Compliance
- Northern & Western Europe: Share Citing a Need for AI Regulation by Country, in % of Respondents Nov 2024 - Jan 2025
- Southern & Eastern Europe: Share Citing a Need for AI Regulation by Country, in % of Respondents Nov 2024 - Jan 2025
- Europe: GPAI-Driven Consumer Risks from Accountability Gaps, Data Bias, and Manipulation, July 2025
- Europe: Institutional, Regulatory, and Technical Obstacles to AI Integration, July 2025
- Europe: GPAI Explainability Limits, ICT Risks, and Talent Shortages in Banking Sector, July 2025
- Europe: AI Transparency, Third-Party Oversight, ICT Risk , and Ethical Use Requirements, July 2025
- Europe: AI Act Risk Model, E-Commerce Adoption, and Early Implementation via AI Pact, July 2025
6. Competitive Landscape & Strategic AI Movement
- 6.1. Market Scale & Activity
- Europe: Gen AI Productivity Gains, Model Deficit, Infrastructure Gaps, and Energy Demand, July 2025
- Europe: AI Semiconductor Design, Cloud Infrastructure, Raw Material Supply, July 2025
- 6.2. Strategic Moves by Key Players
- Europe: Advancing AI Governance Through Funding, Regulation, and Innovation, July 2025
- Europe: Cloud Dependency, Modular AI Architecture, and Strategic Investment Priorities, July 2025
- 6.3 AI Governance, Regulation & Innovation Enablers
- Europe: AI Act, Regulatory Sandboxes, Testing Environments, and Data Space Strategy, July 2025
7. Country Spotlights: National Insights & Strategic Challenges
- 7.1. UK
- Deepfake Scams, Fintech Vulnerabilities, and Enforcement Gaps in AI-Driven Fraud, July 2025
- Executive Impersonation and Cross-Border Risks in AI-Driven Corporate Fraud, July 2025
- 7.2. Germany
- Top-Reported Benefits of GenAI Adoption, in % of Respondents, March 2025
- Top-Reported Barriers of GenAI Adoption, in % of Respondents, March 2025
- GenAI Strategy Implementation Status Among Enterprises, in % of Respondents, 2024 & 2025
- Top Barriers to Trusted AI Implementation Among Enterprises, in % of Respondents, March 2025
- eCrime Threat Vectors in Digital Systems, in % of Respondents, May 2024
- 7.3. France
- GenAI Confidence, Regulatory Clarity, Talent Gaps, and Infrastructure Limitations, July 2025
- Top GenAI Adoption Inhibitors vs. Global Baseline, in % Point Difference, January 2025
- 7.4. Spain
- Company Focus on Tech Investment and Strategic Digital Transformation, in % of Respondents, July 2025
- Structural Barriers to AI Adoption, SME Limitations, and Fragmented Digital Strategy, July 2025
- 7.5. Poland
- Poland: AI Investment Perception by Company Size, in % of Respondents, June 2025
- Poland: Institutional Gaps, SME Resistance, and AI Barriers in Competitiveness Context, July 2025
