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市場調查報告書
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1854919

全球電子商務與支付概覽(2025):第三卷:歐洲電子商務、支付與人工智慧轉型

Global Compendium 2025: Volume 3 Europe's E-Commerce, Payments, and AI Transformation

出版日期: | 出版商: yStats.com | 英文 350 Pages | 商品交期: 最快1-2個工作天內

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簡介目錄

歐洲電子商務、支付和人工智慧轉型的動力源自於數位成熟度、創新和策略整合。

B2C 電子商務:從加速成長到穩定發展

預計到 2028 年,西歐線上零售市場規模將超過 8,000 億美元,標誌著該地區正邁向持續均衡成長階段。在消費者信心增強、物流基礎設施改善和數位包容性的推動下,電子商務正日益成為首選的購物管道。

數位支付:便利、低成本的選擇引領潮流

到 2024 年,超過 60% 的歐洲人將使用線上支付,近一半的人將使用應用程式內支付,這標誌著消費者行為正顯著轉向行動端。數位錢包和銀行支付模式兼具便利性和低成本優勢,正逐漸成為主流,並重塑著整個地區的交易習慣。

人工智慧整合:擴張與監理謹慎

到2024年,約有一半的歐洲人將使用生成式人工智慧工具;到2025年,預計約有70%的德國企業將人工智慧整合到其業務流程中。儘管人工智慧的應用日益普及,但人們對虛假資訊和資料保護的擔憂仍然強烈,這促使歐洲繼續採取謹慎漸進的方式,負責任地應用人工智慧。

B2B電子商務:重心轉向數位效率與策略

2024年,新市場平台的上線數量有所下降,企業優先考慮整合和優化自身策略。 目前,四分之三的B2B企業正在致力於建立市場生態系統,重點轉向靈活的支付方式、區域整合以及簡化數位化採購流程。

本報告探討了歐洲電子商務、支付和人工智慧轉型的發展趨勢,概述了該地區的B2C電子商務、數位支付生態系統、人工智慧應用趨勢以及B2B電子商務和數位貿易的發展趨勢。

目錄

第一章:要點總結

第二章:管理概要

第三章:歐洲:B2C 電子商務概覽

  • 西歐市場概覽
    • 西歐:零售電子商務市場佔有率
    • 西歐:零售電子商務銷售額
    • 西歐:線上零售銷售預測
    • 法國:電子商務市場價值
    • 義大利:電子商務市場價值預測
  • 各國線上購物滲透率
    • 義大利
    • 奧地利
    • 瑞士
    • 芬蘭
    • 波蘭
    • 捷克共和國
    • 匈牙利
    • 希臘
    • 斯洛維尼亞
    • 羅馬尼亞
    • 斯洛伐克
    • 塞爾維亞
    • 立陶宛
    • 保加利亞
    • 克羅埃西亞
    • 愛沙尼亞
    • 拉脫維亞

第四章 歐洲:數位支付生態系

  • 歐洲及中東和非洲:支付市場概況
    • 歐洲:依類別劃分的數位支付普及率
    • 歐洲:非現金交易總額趨勢及預測
    • 歐洲:B2B非現金交易總額趨勢及預測
    • 歐洲、中東和非洲:支付收入趨勢及預測
    • 歐洲、中東和非洲:支付收入(依類型、商業和消費者劃分)
    • 歐洲、中東和非洲:支付收入佔有率預測
    • 歐洲:支付組合:新型支付方式與傳統支付方式的比例
    • 歐洲:依類別劃分的數位支付使用情況
    • 歐洲:店內數位錢包採用率(依類別劃分)
    • 歐洲:依類別劃分的數位錢包採用率:線上
    • 歐洲:依類別劃分的數位錢包採用率:應用程式內
    • 歐洲、中東和非洲:支付市場成長(區域複合年增長率)
    • 歐洲、中東和非洲:支付市場收入佔有率(區域預測)
  • 西歐及主要市場:消費者支付行為
    • 西歐:即時經濟支付方式的使用頻率(消費者百分比)
    • 西歐:使用銀行卡付款進行線上支付的意願
    • 西歐:吸引消費者的銀行卡支付功能
    • 西歐:線上使用信用卡的主要原因(信用卡使用者百分比)
    • 西歐:影響消費者選擇線上支付方式的因素
    • 英國:線上支付方式及消費者偏好概述
    • 英國:即時經濟支付方式的使用頻率(消費者百分比)
    • 英國:在線使用信用卡的主要原因(信用卡用戶百分比)
    • 英國:嘗試新線上支付方式的重要因素
    • 英國:Z世代願意嘗試新線上付款方式的百分比
    • 英國:使用銀行付款進行線上支付的意願
    • 英國:吸引消費者的銀行支付功能及銀行特徵
    • 英國:影響消費者選擇線上支付方式的因素
    • 英國:使用特定付款方式進行線上購物的成年人百分比(以付款方式劃分)
    • 英國:成年人 "先買後付" 使用率與歐洲的比較
    • 英國:使用 "先買後付" 服務的成年人百分比
    • 英國:信用卡交易量趨勢及預測
    • 英國:快速支付與遠距銀行交易總量(表現及預測)
    • 英國:金融卡交易總量趨勢及預測
    • 英國:非接觸式金融卡及信用卡交易總量趨勢及預測
    • 英國:Bacs直接轉帳交易總量趨勢及預測
    • 英國:直接扣款支付量(表現及預測)
    • 英國:銀行卡交易(金融卡和信用卡)佔有率趨勢及預測
    • 英國:金融卡與信用卡非接觸式交易佔比
    • 英國:使用網路銀行和手機銀行的成年人比例
    • 法國:線上支付方式及消費者偏好概述
    • 法國:網路購物者使用的線上付款方式佔比
    • 法國:即時經濟中支付方式的使用頻率
    • 法國:在線使用信用卡的主要原因
    • 法國:成年人在線上使用信用卡的主要原因60歲以上
    • 法國:影響消費者選擇線上支付方式偏好的因素
    • 法國:Z世代願意嘗試新線上支付方式的比例
    • 法國:成人 "先買後付" (BNPL)使用率與歐洲的比較
    • 法國:使用銀行付款進行線上支付的意願
    • 法國:銀行支付對消費者的吸引力
    • 法國:對銀行支付的熟悉程度
    • 法國:從未在線上使用過銀行支付
    • 法國:18-29歲及60歲以上成年人使用銀行支付的比例;對銀行支付有所了解的人群比例
    • 法國:實際且預測的銀行卡交易量
    • 法國:18-24歲族群中非接觸式金融卡使用者的比例
    • 法國:18-24歲族群中行動支付服務用戶的比例
    • 德國:概述線上支付方式與消費者偏好
    • 德國:電子商務支付方式(依收入佔有率劃分)
    • 德國:即時經濟中支付方式的使用頻率
    • 德國:Z世代到2024年願意嘗試新的線上支付方式
    • 德國:使用銀行轉帳進行線上付款的意願
    • 德國:銀行轉帳對消費者的吸引力
    • 德國:成年人 "先買後付" (BNPL)採用率與歐洲其他地區的比較
    • 德國:在線使用信用卡的主要原因
    • 德國:影響消費者選擇線上支付方式偏好的因素
    • 德國:電子商務市場價值(實際值與預測值)
    • 德國:以支付方式類型劃分
    • 德國:銀行卡交易量(實際值和預測值)
    • 德國:銀行卡組織市場佔有率
    • 西班牙:線上支付方式與消費者偏好概述
    • 西班牙:支付方式使用頻率即時經濟
    • 西班牙:Z世代到2024年願意嘗試新的線上支付方式
    • 西班牙:使用銀行付款進行線上支付的意願
    • 西班牙:18-29歲族群每日或每週使用銀行支付的比例
    • 西班牙:吸引消費者的銀行支付功能
    • 西班牙:在線使用信用卡的主要原因
    • 西班牙:影響消費者選擇線上支付方式偏好的因素
    • 西班牙:與歐洲相比,成年人 "先買後付" (BNPL)的採用率
    • 荷蘭:線上支付方式與消費者偏好概述
    • 荷蘭:每月至少使用一次銀行支付的人口比例
    • 荷蘭:18-29歲和30-39歲成年人每日或每週使用銀行支付的比例
    • 荷蘭:使用銀行支付的意願在線支付
    • 荷蘭:消費者使用銀行卡付款的吸引力
    • 荷蘭:在線使用信用卡的主要原因
    • 荷蘭:影響消費者選擇線上支付方式的因素
    • 荷蘭:Z世代到2024年願意嘗試新的線上付款方式
    • 荷蘭:成年人 "先買後付" (BNPL)採用率與歐洲的比較
    • 義大利:線上支付方式與消費者偏好概述
    • 義大利:依付款方式劃分的線上交易
    • 義大利:支付方式類型區隔
    • 義大利:越來越多使用銀行卡進行線上和線下購物的消費者比例
    • 義大利:Z世代線上線下購物銀行卡使用量增加的區隔
    • 義大利:喜歡使用信用卡還是藉記卡進行消費追蹤的消費者比例便利性
    • 義大利:義大利及其他國家/地區消費者對數位支付的偏好百分比
    • 義大利:優先考慮折扣和獎勵並選擇數位支付方式的千禧世代百分比
    • 義大利:優先考慮數位支付折扣和獎勵的消費者百分比
    • 義大利:選擇數位支付而非現金的主要因素
    • 義大利:以市佔率劃分的卡片組織構成
    • 義大利:實際且預測的銀行卡交易量
    • 比利時:線上支付方式與消費者偏好概述
    • 瑞典:線上支付方式與消費者偏好概述
    • 奧地利:線上支付方式與消費者偏好概述
    • 奧地利:未來兩年提高行動支付使用率的計劃
    • 奧地利:數位錢包使用情況(依類型劃分)
    • 奧地利:非接觸式金融卡和現金的使用情況
    • 使用銀行卡支付的人口比例
    • 奧地利:歷史及預測的銀行卡交易量
    • 瑞士:線上支付方式及消費者偏好概覽
    • 瑞士:偏好使用數位支付服務商作為支付方式的消費者比例
    • 瑞士:歷史及預測的行動支付使用率(以支付方式劃分)
    • 丹麥:線上支付方式及消費者偏好概覽
    • 芬蘭:線上支付方式及消費者偏好概覽
    • 芬蘭:即時經濟中各種支付方式的使用頻率
    • 芬蘭:18-29歲族群中每日或每週使用銀行卡支付的人口比例
    • 芬蘭:使用銀行卡付款進行線上支付的意願
    • 芬蘭:Z世代到2024年願意嘗試新的線上付款方式
    • 芬蘭:使用信用卡的主要原因在線
    • 芬蘭:影響消費者選擇線上支付方式的因素
    • 芬蘭:非接觸式金融卡是最常用的付款方式
    • 芬蘭:成年人 "先買後付" (BNPL)使用率與歐洲其他地區的比較
    • 挪威:線上支付方式與消費者偏好概述
    • 葡萄牙:線上支付方式與消費者偏好概述
    • 愛爾蘭:線上支付方式與消費者偏好概述
    • 愛爾蘭:偏好使用數位支付服務商作為支付方式的人群比例
    • 愛爾蘭:18-24歲族群使用行動支付服務的比例;非接觸式金融卡用戶比例
    • 愛爾蘭:18-24歲族群中非接觸式金融卡使用者比例
  • 東歐和南歐:支付趨勢和市場指標
    • 土耳其:概述線上支付方式與消費者偏好
    • 土耳其:電子商務支付方式及消費者趨勢概述
    • 土耳其:以市佔率劃分的卡片組織組成
    • 土耳其:依類型劃分的支付方式構成
    • 波蘭:線上支付方式及消費者偏好概述
    • 波蘭:歷史及預測的銀行卡交易量
    • 波蘭:線上購物付款方式使用率(依年齡劃分)
    • 波蘭:線上購物付款方式使用率(依城市規模劃分)
    • 波蘭:線上購物付款方式使用率(依性別劃分)
    • 波蘭:選擇線上購物付款方式的原因(依年齡劃分)
    • 波蘭:選擇線上購物付款方式的原因(依性別劃分)
    • 波蘭:線上付款方式使用率
    • 波蘭:15-24歲年輕人的BLIK使用率25-34
    • 捷克共和國:線上支付方式與消費者偏好概述
    • 捷克共和國:實際且預測的銀行卡交易量
    • 捷克共和國:18-24歲族群中偏好非接觸式支付的行動錢包(Apple Pay、Google Pay)比例
    • 捷克共和國:首選支付方式
    • 匈牙利:線上支付方式與消費者偏好概述
    • 匈牙利:銀行卡交易量(實際與預測)
    • 匈牙利:行動支付滲透率(實際與預測)
    • 希臘:線上支付方式與消費者偏好概述
    • 希臘:銀行卡交易量(實際與預測)
    • 希臘:依支付管道劃分的銀行卡交易量佔有率(實際和預測)
    • 斯洛維尼亞:線上支付方式與消費者偏好概述
    • 斯洛維尼亞:銀行卡交易量(實際與預測)預測)
    • 斯洛維尼亞:非接觸式銀行卡交易量(表現與預測)
    • 羅馬尼亞:線上支付方式及消費者偏好概述
    • 羅馬尼亞:銀行卡交易量(表現與預測)
    • 斯洛維尼亞和斯洛伐克:線上支付方式及消費者偏好概述
    • 斯洛伐克:銀行卡交易量(表現與預測)
    • 塞爾維亞:線上支付方式及消費者偏好概述
    • 塞爾維亞:銀行卡交易量(表現與預測)
    • 立陶宛:線上支付方式及消費者偏好概述
    • 立陶宛:銀行卡交易量(表現與預測)
    • 保加利亞:線上支付方式及消費者偏好概述
    • 保加利亞:銀行卡交易量(表現與預測)
    • 克羅埃西亞:線上支付方式及消費者偏好概述
    • 克羅埃西亞:銀行卡交易量(績效與預測)
    • 愛沙尼亞:線上支付方式及消費者偏好概述
    • 拉脫維亞:線上支付方式及消費者偏好概述

第五章 歐洲:商業中的人工智慧與自動化

  • 歐洲及各地區的人工智慧應用情況
  • 北歐和西歐:各國人工智慧應用率
  • 南歐與東歐:各國人工智慧應用率
  • 歐洲:員工人數在10人以上的公司中,各國人工智慧技術應用率
  • 歐洲:員工人數在10人及以上的公司中,人工智慧應用類型的百分比
  • 歐洲:員工使用人工智慧工具的情況(依國家/地區劃分)
  • 歐洲:生成式人工智慧應用緩慢、IT投資不足、基礎設施限制
  • 歐洲:人工智慧驅動的人才技能提升目標、人才保留問題、合規性障礙
  • 歐洲: LVMH在設計、電子商務、互動與營運中的人工智慧應用
  • 歐洲:LVMH在電子商務搜尋、會員計畫和銷售工具中應用人工智慧
  • 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、加值服務和基礎設施效率提升
  • 歐洲:人工智慧錢包整合、P2P擴展、數位歐元整合
  • 歐洲:人工智慧驅動的MCA成長、支付服務提供者整合以及PSD3監管挑戰
  • 歐洲:數位歐元、MCA監管、創新框架、人工智慧驅動的支付
  • 歐洲:人工智慧驅動的詐欺預防、生物辨識認證、令牌化結帳解決方案
  • 歐洲:人工智慧驅動的支付中的深度偽造、合成ID和註冊操縱
  • 歐洲:多通路欺騙、人工智慧驅動的假訊息、詐欺情勢帶來的負擔
  • 歐洲:詐欺防制、聊天機器人自動化、個人化與流程效率
  • 歐洲人工智慧應用案例、信任、監管與治理
    • 歐洲:人工智慧在風險和合規職能中的應用案例
    • 歐洲:個人和工作場所中關鍵生成式人工智慧應用案例的採用率
    • 歐洲:員工對生成式人工智慧在工作場所應用效果的看法
    • 歐洲:大眾對使用生成式人工智慧的主要擔憂
    • 歐洲:依任務類型劃分的生成式人工智慧使用情況
    • 歐洲:員工對人工智慧導致失業的預期(依國家/地區劃分)
    • 歐洲:將人工智慧代理整合到營運工作流程中的公司比例(依國家/地區劃分)
    • 北歐和西歐:人工智慧的信任度和接受度(依國家劃分)
    • 南歐和東歐:人工智慧的信任度和接受度(依國家/地區劃分)
    • 北歐與西歐:人工智慧效益與風險的比率(依國家/地區劃分)國家)
    • 南歐與東歐:人工智慧的效益與風險(依國家/地區劃分)
    • 北歐和西歐:工作場所中人工智慧的常規使用及信任度(依國家/地區劃分)
    • 南歐與東歐:工作場所中人工智慧的常規使用及信任度(依國家/地區劃分)北歐國家:監管負擔、領導力差距以及生成式人工智慧中人工智慧代理採用的限制
    • 英國/北歐國家:企業領導者對生成式人工智慧的認知與採用情況
    • 德國/北歐國家:對生成式人工智慧採用的擔憂和實驗水平
    • 荷蘭/北歐國家:生成式人工智慧採用的障礙與信心
    • 北歐/西歐:認為需要人工智慧監管的國家比例
    • 南歐/東歐:認為需要人工智慧監管的國家比例
    • 歐洲:問責差距、數據偏差以及由生成式人工智慧驅動的消費者風險操縱
    • 歐洲:人工智慧整合中的製度和監管挑戰 監管和技術障礙
    • 歐洲:通用人工智慧 (GPAI) 可解釋性有限、資訊通信技術 (ICT) 風險以及銀行業人才短缺
    • 歐洲:人工智慧透明度、第三方監管、資訊通訊技術 (ICT) 風險以及道德使用要求
    • 歐洲:人工智慧法律風險模型、電子商務應用以及透過人工智慧協定實現早期應用
    • 歐洲:人工智慧生成過程中的生產力提升、模型短缺、基礎設施缺口以及能源需求
    • 歐洲:人工智慧半導體設計、雲端基礎設施以及原料供應
    • 歐洲:透過資金、監管和創新促進人工智慧治理
    • 歐洲:雲端依賴性、模組化人工智慧架構以及策略投資重點
    • 歐洲:人工智慧法律、監管沙箱、測試環境以及資料空間策略
  • 國家人工智慧應用、障礙與策略
    • 英國:深度偽造詐欺、金融科技漏洞、執法人工智慧賦能詐欺的差距
    • 英國:人工智慧賦能企業詐欺中的高階主管冒名頂替與跨國風險
    • 德國:生成式人工智慧的優勢
    • 德國:生成式人工智慧應用的主要障礙
    • 德國:企業實施生成式人工智慧策略
    • 德國:企業可信賴人工智慧應用的主要障礙
    • 德國:數位系統中電子犯罪的威脅載體
    • 法國:對生成式人工智慧的信任、監管清晰度、人才短缺和基礎設施限制
    • 法國:生成式人工智慧應用的主要障礙及其與全球標準的比較
    • 西班牙:人工智慧應用的結構性障礙、中小企業阻礙因素和分散的數位化策略
    • 西班牙:專注於技術投資和策略數位轉型的公司比例
    • 波蘭:制度差距,中小企業阻力及人工智慧對競爭力的阻礙
    • 波蘭:不同規模公司對人工智慧投資的看法

    第六章 歐洲:B2B 商業與數位貿易

    • 歐洲 B2B 電子商務及市場概覽
      • 歐洲:B2B 電子商務市場趨勢
      • 歐洲:B2B 電子商務市場概覽
      • 歐洲:每年新增 B2B 市場數量及年比變化
      • 歐洲:B2B 市場數量(以融資額預測)
      • 歐洲:B2B 市場數量(以產業預測)
      • 歐洲:已獲融資的 B2B 市場區隔(依總部所在國家)
      • 歐洲: "貨運與物流" 在整體 B2B 業務的佔比市場
      • 歐洲:食品飲料產業在B2B市場的佔有率
      • 歐洲:使用B2B電子商務市場的B2B買家佔有率
      • 歐洲:提供B2B服務(包括B2B市場)的電子商務網站市場佔有率預測
      • 歐洲:積極制定B2B市場策略的B2B公司比例
      • 歐洲:到2024年底,參與B2B交易的現有企業市場佔有率
      • 歐洲:超過四分之一的採購透過線上市場完成的B2B買家比例
      • 歐洲:較傾向使用市場而非傳統採購方式的B2B買家比例
      • 歐洲:優先考慮使用者體驗(UX)和使用者介面(UI)專案以留住買家和賣家的B2B市場比例
      • 歐洲:使用加值服務留住賣家的B2B市場佔有率
      • 歐洲:百分比認為其平台目前面臨的最大威脅是來自傳統線下供應商競爭的公司參與調查的B​​2B市場平台百分比
      • 歐洲:B2B電商買家在B2B市場平檯面臨的挑戰
      • 歐洲:2023年主要B2B市場平台概覽
    • B2B電商績效、買家行為及挑戰
      • 歐洲:B2B電商GMV複合年增長率
      • 歐洲:B2B電商收入

      歐洲:目前活躍於B2B電商領域並認為進入該業務領域取得成功的B2B公司百分比

      • 歐洲:80%或以上收入來自電商的B2B公司百分比
      • 歐洲:認為電商為拓展出口提供了機會的B2B公司百分比
      • 歐洲:從進行線上銷售中獲得正面影響的B2B公司百分比
      • 歐洲:預測區隔B2B 線上採購
      • 歐洲:預計在線上採購遇到困難的企業買家比例
      • 歐洲:預期偏好使用電子商務進行訂單履行的企業買家比例
      • 歐洲:預計因付款條件不符而放棄購物車的企業買家比例
      • 歐洲:預計認為付款條件對成功至關重要的企業買家比例
      • 歐洲:預計結帳付款難題會造成問題的企業買家比例
      • 歐洲:預計在選擇新的 B2B 供應商時,付款條件非常重要或至關重要的企業買家比例
      • 歐洲:B2B 電子商務需要改進的領域(預期企業買家比例)
    • 區域和國家層面的 B2B 市場和支付方式
      • 西歐:依時付款、逾期付款和壞帳總額的 B2B 發票總額區隔
      • 西歐:過去 B2B 客戶付款條件的變化區隔企業對未來 12 個月的感知
      • 西歐:B2B 客戶延遲付款的影響 西歐:過去 12 個月的主要融資來源
      • 西歐:預計未來 12 個月客戶破產風險增加的企業組成
      • 西歐:企業對 B2B 客戶付款習慣變化的預期構成
      • 西歐:企業對未來 12 個月平均應收帳款週轉天數 (DSO) 變化的預期構成
      • 中東歐:B2B 發票總額的依時支付、延遲支付和未付款項構成
      • 中東歐:過去 12 個月 B2B 客戶付款條款的變化構成
      • 中東歐:過去 12 個月 B2B 客戶付款條款的變化構成
      • 中東歐:B2B 客戶延遲付款的影響
      • 中東歐:過去 12 個月的主要融資來源
      • 中東歐歐洲:預測未來 12 個月內客戶破產風險增加的公司分佈狀況
      • 中歐和東歐:競爭對手對 B2B 客戶支付方式變化的預期分佈情況
      • 中歐和東歐:競爭對手對未來 12 個月平均應收帳款週轉天數 (DSO) 變化的預期分佈情況
      • 斯堪的納維亞:預計進行線上銷售的 B2B 公司比例
      • 斯堪的納維亞:預計透過電子商務平台產生銷售額的 B2B 公司比例
      • 英國:主要 B2B 市場概覽
      • 德國:主要 B2B 市場概覽
      • 法國:主要 B2B 市場概覽
      • 荷蘭:主要 B2B 市場概覽
  • 簡介目錄
    Product Code: 1704

    Europe's E-Commerce, Payments, and AI Transformation Accelerates Through Digital Maturity, Innovation, and Strategic Integration, yStats.com Reports

    B2C E-Commerce: From Acceleration to Steady Expansion

    Western Europe's online retail market is forecast to surpass USD 800 billion by 2028, reflecting the region's transition to sustained and balanced growth. Rising consumer confidence, better logistics, and digital inclusivity continue to reinforce E-Commerce as a standard purchasing channel.

    Digital Payments: Seamless and Low-Cost Options Lead

    More than 60% of Europeans relied on online payment methods in 2024, and nearly half used in-app options, highlighting a strong shift to mobile-driven spending. Wallets and Pay by Bank models dominate for their ease and affordability, reshaping transaction habits across the region.

    AI Integration: Expansion Meets Regulatory Caution

    In 2024, almost half of Europeans explored Generative AI tools, and by 2025, close to 70% of German enterprises integrated them into workflows. Despite momentum, concerns about misinformation and data protection continue to define Europe's measured path toward trusted AI adoption.

    B2B E-Commerce: Focus Shifts to Digital Efficiency and Strategy

    Marketplace launches slowed in 2024 as firms prioritized consolidation and tailored strategies. With three-quarters of B2B players now building marketplace ecosystems, emphasis is shifting toward flexible payments, regional integration, and streamlined digital procurement.

    Table of Contents

    1. Key Takeaways

    2. Management Summary

    3. Europe: B2C E-Commerce Overview

    • 3.1. Western Europe - Market Overview
      • Western Europe: Retail E-Commerce Share, in % of Total Retail Sales, 2022-2028f
      • Western Europe: Retail E-Commerce Sales, in USD billion, in % of Year-on-Year Change, 2022-2028f
      • Western Europe: Online Retail Sales, in USD billion, 2023 & 2028f
      • France: E-Commerce Market Value, in EUR billion, 2022 & 2023
      • Italy: E-Commerce Market Value, in USD billion, 2023 & 2027f
    • 3.2. Country-Level Online Purchase Penetration
      • Italy: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
      • Austria: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
      • Switzerland: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
      • Finland: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
      • Poland: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
      • Czech Republic: Share of Population Aged 16-74 Who Purchased Goods/Services Online, in %, 2019-2024e
      • Hungary: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
      • Greece: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
      • Slovenia: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
      • Romania: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
      • Slovakia: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
      • Serbia: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
      • Lithuania: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
      • Bulgaria: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
      • Croatia: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
      • Estonia: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
      • Latvia: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e

    4. Europe: Digital Payments Ecosystem

    • 4.1. Europe & EMEA - Payment Market Landscape
      • Europe: Digital Payments Adoption by Category, in % of respondents, 2024
      • Europe: Total Non-cash Transactions Volume, in volume billions, 2018 & 2021-2024e & 2028f
      • Europe: Total B2B Non-cash Transactions Volume, in volume billions, 2018 & 2021-2024e & 2028f
      • Europe, Middle East, and Africa: Payments Revenue Value, in USD trillion, 2013, 2018, 2020- 2023
      • Europe, Middle East, and Africa: Payments Revenue by Type, Commercial & Consumer in %, 2018 & 2023
      • EMEA: Share of Payment Revenue Value, in %, 2027f
      • Europe: Payment Mix: New Payments vs Traditional Payments, In % of Transaction Volume, 2023
      • Europe: Share of Respondents Using Digital Payments, by Category, in % of Respondents, 2024
      • Europe: Digital Wallets Adoption by Category: In-Store, in % of Digital Payment Users, 2024
      • Europe: Digital Wallets Adoption by Category: Online, in % of Digital Payment Users, 2024
      • Europe: Digital Wallets Adoption by Category: In-App, in % of Digital Payment Users, 2024
      • Europe, Middle East, and Africa: Payments Market Growth by Global Region, CAGR (%), 2022 - 2027f
      • Europe, Middle East, and Africa: Payments Market Revenue Share by Global Region, in %, 2027f
    • 4.2. Western Europe & Major Markets - Consumer Payment Behavior
      • Western Europe: Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
      • Western Europe: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024
      • Western Europe: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024
      • Western Europe: Features That Make Pay by Bank Appealing to Consumers, in % Respondents, 2024
      • Western Europe: Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024
      • Western Europe: Factors Influencing Consumers' Pref. When Selecting an Online Payment Method, in %, 2024
      • UK: Overview of Online Payment Methods and Consumer Preferences, March 2025
      • UK: Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
      • UK: Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024
      • UK: Important Factors When Trying New Online Payment Methods, in %, 2024
      • UK: Share of Generation Z (Ages 18-29) Willing to Try New Online Payment Methods, in %, 2024
      • UK: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024
      • UK: Features That Make Pay by Bank Appealing to Consumers, in % Respondents, 2024
      • UK: Factors Influencing Consumers' Preferences When Selecting an Online Payment Method, in %, 2024
      • UK: Share of Adults Using Selected Payment Methods for Online Purchases, by Payment Method, in %, 2024
      • UK: Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
      • UK: Share of Adults Using Buy Now Pay Later Services, in %, 2022 and 2023
      • UK: Cards Transaction Value, in USD trillion, 2023 & 2027f
      • UK: Total Payments via Faster Payments and Remote Banking, in billions, 2023 & 2033f
      • UK: Total Debit Card Payments, in billions, 2023 & 2033f
      • UK: Contactless Debit and Credit Card Payment Volume, in billions, 2023 & 2033f
      • UK: Bacs Direct Credit Payment Volume, in billions, 2023 & 2033f
      • UK: Direct Debit Payment Volume, in billions, 2023 & 2033f
      • UK: Share of Card Payments (Debit and Credit), in %, 2023 & 2033f
      • UK: Share of Payments Made via Contactless Debit and Credit Cards, in %, 2033f
      • UK: Share of Adults Using Online vs Mobile Banking, in %, 2023
      • France: Overview of Online Payment Methods and Consumer Preferences, March 2025
      • France: Share of Online Payment Methods Used by Online Shoppers, in %, 2024
      • France: Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
      • France: Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024
      • France: Top Reasons for Using a Credit Card Online Among Adults Aged 60+, in % of Respondents, 2024
      • France: Factors Influencing Consumers' Pref. When Selecting an Online Payment Method, in %, 2024
      • France: Share of Generation Z (Ages 18-29) Willing to Try New Online Payment Methods, in %, 2024
      • France: Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
      • France: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024
      • France: Features That Make Pay by Bank Appealing to Consumers, in % Respondents, 2024
      • France: Share of Respondents Familiar With Pay by Bank, in % of Respondents, 2024
      • France: Share of Respondents Who Have Never Used Pay by Bank Online, in %, 2024
      • France: Share of Adults Somewhat Familiar with Pay by Bank, Aged 18-29 and 60+, in %, 2024
      • France: Cards Transaction Value, in USD billion, 2024 & 2028f
      • France: Share of 18-24-Year-Olds Using Contactless Debit Cards, in %, 2023
      • France: Share of 18-24-Year-Olds Using Mobile Payment Services, in %, 2023
      • Germany: Overview of Online Payment Methods and Consumer Preferences, March 2025
      • Germany: E-Commerce Payment Methods by Revenue Share, in %, 2023
      • Germany: Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
      • Germany: Share of Generation Z (ages 18-29) Willing to Try New Online Payment Methods, in %, 2024
      • Germany: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024
      • Germany: Features That Make Pay by Bank Appealing to Consumers, in % Respondents, 2024
      • Germany: Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
      • Germany: Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024
      • Germany: Factors Influencing Consumers' Pref. When Selecting an Online Payment Method, in %, 2024
      • Germany: E-Commerce Market Value, in USD billion, 2023 & 2027f
      • Germany: Breakdown of Payment Methods by Type, in %, 2023
      • Germany: Cards Transaction Value, in USD billion, 2023 & 2027f
      • Germany: Breakdown of Card Schemes by Market Share, in %, 2023
      • Spain: Overview of Online Payment Methods and Consumer Preferences, March 2025
      • Spain: Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
      • Spain: Share of Generation Z (Ages 18-29) Willing to Try New Online Payment Methods, in %, 2024
      • Spain: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024
      • Spain: Share of Young Adults Aged 18-29 Using Pay by Bank Daily or Weekly, in %, 2024
      • Spain: Features That Make Pay by Bank Appealing to Consumers, in % Respondents, 2024
      • Spain: Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024
      • Spain: Factors Influencing Consumers' Preferences When Selecting an Online Payment Method, in %, 2024
      • Spain: Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
      • Netherlands: Overview of Online Payment Methods and Consumer Preferences, March 2025
      • Netherlands: Share of Consumers Using Pay by Bank at Least Monthly, in %, 2024
      • Netherlands: Share of Adults Using Pay by Bank Daily or Weekly, Aged 18-29 and 30-39, in %, 2024
      • Netherlands: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024
      • Netherlands: Features That Make Pay by Bank Appealing to Consumers, in % Respondents, 2024
      • Netherlands: Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024
      • Netherlands: Factors Influencing Consumers' Pref. When Selecting an Online Payment Method, in %, 2024
      • Netherlands: Share of Generation Z (ages 18-29) Willing to Try New Online Payment Methods, in %, 2024
      • Netherlands: Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
      • Netherlands: Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
      • Italy: Overview of Online Payment Methods and Consumer Preferences, March 2025
      • Italy: Breakdown of Online Transactions by Payment Method, in %, 2023
      • Italy: Breakdown of Payment Methods by Type, in %, 2023
      • Italy: Share of Consumers Increasing Card Use for Online vs. In-Store Purchases, in %, 2024
      • Italy: Breakdown of Gen Z Increasing Card Use for Online and In-Store Purchases, in %, 2024
      • Italy: Share of Consumers Preferring Credit or Debit Cards for Tracking Expenses & Convenience, in %, 2024
      • Italy: Share of Consumers Preferences for Digital Payments in Italy and Abroad, in %, 2024
      • Italy: Share of Millennials Prioritizing Discounts & Benefits Choosing Digital Payment Methods, in %, 2024
      • Italy: Share of Consumers Prioritizing Discounts & Benefits in Digital Payments, %, 2024
      • Italy: Main Factors for Choosing Digital Payments Over Cash, in %, 2024
      • Italy: Breakdown of Card Schemes by Market Share, in %, 2023
      • Italy: Cards Transaction Value, in USD billion, 2023 & 2027f
      • Belgium: Overview of Online Payment Methods and Consumer Preferences, March 2025
      • Sweden: Overview of Online Payment Methods and Consumer Preferences, March 2025
      • Austria: Overview of Online Payment Methods and Consumer Preferences, March 2025
      • Austria: Share of Respondents Planning to Increase Mobile Payment Use in the Next Two Years, in %, 2023
      • Austria: Breakdown of Digital Wallet Usage by Type, in %, 2024
      • Austria: Share of Respondents Using Contactless Debit Cards and Cash, in %, 2020-2023
      • Austria: Cards Transaction Value, in USD billion, 2024 & 2028f
      • Switzerland: Overview of Online Payment Methods and Consumer Preferences, March 2025
      • Switzerland: Share of Respondents Preferring Digital Payment Providers for Payments, in %, 2023
      • Switzerland: Share of Mobile Payment Usage, by Payment Method, in %, 2021-2024 (Part 1 of 2)
      • Switzerland: Share of Mobile Payment Usage, by Payment Method, in %, 2021-2024 (Part 2 of 2)
      • Denmark: Overview of Online Payment Methods and Consumer Preferences, March 2025
      • Finland: Overview of Online Payment Methods and Consumer Preferences, March 2025
      • Finland: Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
      • Finland: Share of Young Adults Aged 18-29 Using Pay by Bank Daily or Weekly, in %, 2024
      • Finland: Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024
      • Finland: Share of Generation Z (ages 18-29) Willing to Try New Online Payment Methods, in %, 2024
      • Finland: Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024
      • Finland: Factors Influencing Consumers' Preferences When Selecting an Online Payment Method, in %, 2024
      • Finland: Share of Respondents Using Contactless Debit Cards as the Most Frequent Paym. Meth., in %, 2023
      • Finland: Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
      • Norway: Overview of Online Payment Methods and Consumer Preferences, March 2025
      • Portugal: Overview of Online Payment Methods and Consumer Preferences, March 2025
      • Ireland: Overview of Online Payment Methods and Consumer Preferences, March 2025
      • Ireland: Share of Respondents Preferring Digital Payment Providers for Payments, in %, 2023
      • Ireland: Share of 18-24-Year-Olds Using Mobile Payment Services, in %, 2023
      • Ireland: Share of 18-24-Year-Olds Using Contactless Debit Cards, in %, 2023
    • 4.3. Eastern & Southern Europe - Payment Trends & Market Metrics
      • Turkey: Overview of Online Payment Methods and Consumer Preferences, April 2025
      • Turkey: Payment Methods and Consumer Trends in E-Commerce Overview, April 2025
      • Turkey: Breakdown of Card Schemes by Market Share, in %, 2023
      • Turkey: Breakdown of Payment Methods by Type, in %, 2023
      • Poland: Overview of Online Payment Methods and Consumer Preferences, April 2025
      • Poland: Cards Transaction Value, in USD billion, 2023 & 2027f
      • Poland: Share of Payment Methods Used for Online Purchases, by Age, in % Online Shoppers, 2024
      • Poland: Share of Payment Methods Used for Online Purchases, by City Size, in % of Online Shoppers, 2024
      • Poland: Share of Payment Methods Used for Online Purchases, by Gender, in % of Online Shoppers, 2024
      • Poland: Reasons for Choosing Payment Methods for Online Purchases, by Age, in % Online Shoppers, 2024
      • Poland: Reasons for Choosing Pay. Methods for Online Purchases, by Gender, in % Online Shoppers, 2024
      • Poland: Share of Online Payment Method Usage, in % of Internet Users, 2024
      • Poland: Share of BLIK Usage Among Young Adults, Aged 15-24 and 25-34, in %, 2024
      • Czech Republic: Overview of Online Payment Methods and Consumer Preferences, April 2025
      • Czech Republic: Cards Transaction Value, in USD billion, 2023 & 2027f
      • Czech Republic: Share of 18-24-Year-Olds Preferring Mobile Wallets (Apple Pay, Google Pay), in %, 2024
      • Czech Republic: Preferred Payment Methods, in % of Respondents, 2024
      • Hungary: Overview of Online Payment Methods and Consumer Preferences, April 2025
      • Hungary: Cards Transaction Value, in USD billion, 2024 & 2028f
      • Hungary: Mobile Payment Adoption Rate, in %, 2022 & 2023
      • Greece: Overview of Online Payment Methods and Consumer Preferences, April 2025
      • Greece: Cards Transaction Value, in USD billion, 2023 & 2027f
      • Greece: Share of Card Transaction Value, by Payment Channel, in %, 2021-2023e
      • Slovenia: Overview of Online Payment Methods and Consumer Preferences, April 2025
      • Slovenia: Cards Transaction Value, in USD billion, 2023 & 2024 & 2028f
      • Slovenia: Number of Contactless Payment Cards, in millions, 2023 & 2028f
      • Romania: Overview of Online Payment Methods and Consumer Preferences, April 2025
      • Romania: Cards Transaction Value, in USD billion, 2023 & 2024 & 2028f
      • Slovakia: Overview of Online Payment Methods and Consumer Preferences, April 2025
      • Slovakia: Cards Transaction Value, in USD billion, 2023 & 2024 & 2028f
      • Serbia: Overview of Online Payment Methods and Consumer Preferences, April 2025
      • Serbia: Cards Transaction Value, in USD billion, 2024 & 2028f
      • Lithuania: Overview of Online Payment Methods and Consumer Preferences, April 2025
      • Lithuania: Cards Transaction Value, in USD billion, 2024 & 2028f
      • Bulgaria: Overview of Online Payment Methods and Consumer Preferences, April 2025
      • Bulgaria: Cards Transaction Value, in USD billion, 2023 & 2024 & 2028f
      • Croatia: Overview of Online Payment Methods and Consumer Preferences, April 2025
      • Croatia: Cards Transaction Value, in USD billion, 2024 & 2028f
      • Estonia: Overview of Online Payment Methods and Consumer Preferences, April 2025
      • Latvia: Overview of Online Payment Methods and Consumer Preferences, April 2025

    5. Europe: AI & Automation in Commerce

    • 5.1. Europe-Wide & Regional AI Adoption, and Applications
      • North. & West. Europe: Adoption of AI by Country, in % of Res. Report. Regular Use, Nov 2024 - Jan 2025
      • South. & East. Europe: Adoption of AI by Country, in % of Resp. Report. 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 Resp. Using AI Several Times Weekly, June 2025
      • 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
      • 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
      • 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
      • 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
      • Europe: Fraud Prevention, Chatbot Automation, Personalization, and Process Efficiency, July 2025
    • 5.2. European AI Use Cases, Trust, Regulation & Governance
      • Europe: AI Use Cases in Risk and Compliance Functions, in % of Respondents, Aug - Sep 2024
      • Europe: Personal and Work Adoption of Top Generative AI Use Cases, in % of Respond., 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 Resp., Nov 2024 - Jan 2025
      • Southern & Eastern Europe: Trust and Acceptance of AI by Country, in % of Resp., Nov 2024 - Jan 2025
      • Northern & Western Europe: Views of AI Benefits Over Risks, in % of Rsp. by Country, Nov 2024 - Jan 2025
      • Southern & Eastern Europe: Views of AI Benefits Over Risks, in % of Rsp. by Country, Nov 2024 - Jan 2025
      • Northern & Western Europe: Regular Use & Trust of AI at Work by Country, in % of Resp., Nov 2024 - Jan 2025
      • Southern & Eastern Europe: Regular Use & Trust of AI at Work by Country, in % of Resp., Nov 2024 - Jan 2025
      • Nordics: Regulatory Burdens, Leadership Gaps, and Limited AI Agent Adoption in GenAI, July 2025
      • UK & Nordics: Perception & Adoption of GenAI Among Business Leaders, in % of Respondents, Sept. 2024
      • Germany & Nordics: Concerns and Experimentation Levels in GenAI Adoption, in % of Resp., Sept. 2024
      • Netherlands & Nordics: Perceived Barriers and Trust Levels in GenAI Adoption, in % of Resp., Sept. 2024
      • North. & West. Europe: Share Citing a Need for AI Regulation by Country, in % of Resp. Nov 2024 - Jan 2025
      • South & East. Europe: Share Citing a Need for AI Regulation by Country, in % of Resp. 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
      • 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
      • Europe: Advancing AI Governance Through Funding, Regulation, and Innovation, July 2025
      • Europe: Cloud Dependency, Modular AI Architecture, and Strategic Investment Priorities, July 2025
      • Europe: AI Act, Regulatory Sandboxes, Testing Environments, and Data Space Strategy, July 2025
    • 5.3. Country-Level AI Adoption, Barriers, and Strategies
      • UK: Deepfake Scams, Fintech Vulnerabilities, and Enforcement Gaps in AI-Driven Fraud, July 2025
      • UK: Executive Impersonation and Cross-Border Risks in AI-Driven Corporate Fraud, July 2025
      • Germany: Top-Reported Benefits of GenAI Adoption, in % of Respondents, March 2025
      • Germany: Top-Reported Barriers of GenAI Adoption, in % of Respondents, March 2025
      • Germany: GenAI Strategy Implementation Status Among Enterprises, in % of Respondents, 2024 & 2025
      • Germany: Top Barriers to Trusted AI Implementation Among Enterprises, in % of Respondents, March 2025
      • Germany: eCrime Threat Vectors in Digital Systems, in % of Respondents, May 2024
      • France: GenAI Confidence, Regulatory Clarity, Talent Gaps, and Infrastructure Limitations, July 2025
      • France: Top GenAI Adoption Inhibitors vs. Global Baseline, in % Point Difference, January 2025
      • Spain: Structural Barriers to AI Adoption, SME Limitations, and Fragmented Digital Strategy, July 2025
      • Spain: Company Focus on Tech Investment and Strategic Digital Transformation, in % of Res., July 2025
      • Poland: Institutional Gaps, SME Resistance, and AI Barriers in Competitiveness Context, July 2025
      • Poland: AI Investment Perception by Company Size, in % of Respondents, June 2025

    6. Europe: B2B E-Commerce & Digital Trade

    • 6.1. Europe-Wide B2B E-Commerce & Marketplaces Landscape
      • Europe: B2B E-Commerce Marketplace Trends, October 2024
      • Europe: Overview of B2B E-Commerce Marketplaces, October 2024
      • Europe: Number of Annually Founded B2B Marketplaces, in Whole Numbers, & in % of Year-on-Year Change, 2013-2023
      • Europe: Number of B2B Marketplaces, by Funding Amount, in USD million, 2023e
      • Europe: Number of B2B Marketplaces, by Industry, in Whole Numbers, 2023e (1 of 2)
      • Europe: Number of B2B Marketplaces, by Industry, in Whole Numbers, 2023e (2 of 2)
      • Europe: Breakdown of Funded B2B Marketplaces, by Country of HQ Origin, 2023e
      • Europe: Share of "Freight And Logistics" Making Up the Total B2B Marketplaces, in %, 2023e
      • Europe: Share of "Food And Beverages" Making Up the Total Goods B2B Marketplaces, in %, 2023e
    • 6.1. Europe-Wide B2B E-Commerce & Marketplaces Landscape (Continued)
      • Europe: Share of B2B Buyers That Use B2B E-Commerce Marketplaces, in %, 2024e
      • Europe: Share of E-Commerce Websites That Provide B2B Services, incl. B2B Marketplaces, in %, 2024e
      • Europe: Share of E-Commerce Websites That Provide B2B Services, incl. B2B Marketplaces, That Ship Internationally in %, 2024e
      • Europe: Share of B2B Companies That Are Actively Developing Their B2B Marketplace Strategy*, in %, 2024e
      • Europe: Share of Existing Enterprise Marketplaces That Will Be Engaged in B2B Transactions By the End of 2024, in %, 2024e
      • Europe: Share of B2B Buyers That Conduct Over One Quarter of Their Purchases on Online Marketplaces, in %, 2023
      • Europe: Share of B2B Buyers That Prefer Marketplaces Over Traditional Purchasing Arrangements, in %, 2023
      • Europe: B2B Marketplaces That Prioritize User Experience (UX) And User Interface (UI) Projects to Retain Sellers vs. Buyers, in % of B2B Marketplaces, 2024e
      • Europe: Share of B2B Marketplaces That Use Value Added Services to Keep Sellers on the Marketplace, in %, 2023
      • Europe: Share of B2B Marketplaces That Said That The Biggest Threat Faced By Their Platform Today Is Competition From Traditional Offline Suppliers, in %, 2023
      • Europe: Troubles Faced by B2B E-Commerce Buyers on B2B Marketplaces, in % of B2B Buyers, 2024e
      • Europe: Overview of Selected Top B2B Marketplaces, 2023e (1 of 2)
      • Europe: Overview of Selected Top B2B Marketplaces, 2023e (2 of 2)
    • 6.2. B2B E-Commerce Performance, Buyer Behavior & Challenges
      • Europe: B2B E-Commerce GMV Compound Annual Growth Rate, in % of CAGR, 2018-2022 & 2022-2026f
      • Europe: B2B E-Commerce Sales Value, in USD trillion, 2022e & 2026f

    Europe: Share of B2B Companies That Are Now Active in B2B E-Commerce And Consider Their Entry Into This Area of Business to Be a Success, in %, 2022e

      • Europe: Share of B2B Companies That Obtain More Than 80% of Their Revenue From E-Commerce, in %, 2022e
      • Europe: Share of B2B Companies That Believe That E-Commerce Is An Opportunity For More Exports, in %, 2022e
      • Europe: Share of B2B Companies That See Positive Effects of Launching Online Sales, in %, 2022e
      • Europe: Breakdown of B2B Purchases Made Online, by Share, in % of Business Buyers, 2024e
      • Europe: Share of Business Buyers Who Face Challenges With Online, in %, 2024e
      • Europe: Share of Business Buyers Who Prefer E-Commerce For Fulfilment, in %, 2024e
      • Europe: Share of Business Buyers Who Will Abandon a Cart Without Payment Terms, in %, 2024e
      • Europe: Share of Business Buyers Who Say That Payment Terms Are Crucial For Success, in %, 2024e
      • Europe: Share of Business Buyers Who Say That Payment Challenges at Checkout Are Causing Issues, in %, 2024e
      • Europe: Share of Business Buyers Who Say Having Access to Payment Terms Is Either Important Or Very Important When Choosing a New B2B Supplier, in %, 2024e
      • Europe: Areas of Improvement in B2B E-Commerce, in % of Business Buyers, 2024e
    • 6.3. Regional & Country-Level B2B Marketplaces and Payment Practices
      • Western Europe: Breakdown of the Total Value of B2B Invoices Paid On Time, Overdue And Bad Debt, in %, Q2 2023 & Q2 2024
      • Western Europe: Breakdown of Changes in B2B Customers' Payment Duration Over the Past 12 Months Noted By Companies, in %, Q2 2024
      • Western Europe: Consequences of Late Payments From B2B Customers, in % of Companies, Q2 2024
      • Western Europe: Main Sources of Financing Used During the Past 12 Months, in % of Companies, Q2 2024
      • Western Europe: Breakdown of Companies That See an Increased Insolvency Risk For Their Customers in the Next 12 Months, in %, Q2 2024
      • Western Europe: Breakdown of Companies' Expectations Towards the Change in Payment Practices of Their B2B Customers, in %, Q2 2024
      • Western Europe: Breakdown of Companies' Expectations Towards the Change in Their Average DSO in the Next 12 Months, in %, Q2 2024
      • Central & Eastern Europe: Breakdown of the Total Value of B2B Invoices Paid On Time, Overdue And Bad Debt, in %, Q2 2024
      • Central & Eastern Europe: Breakdown of Changes in B2B Cust.' Payment Duration Over the Past 12 Months Noted By Comp., in %, Q2 2024
      • Central & Eastern Europe: Consequences of Late Payments From B2B Customers, in % of Companies, Q2 2024
      • Central & Eastern Europe: Main Sources of Financing Used During the Past 12 Months, in % of Companies, Q2 2024
      • Central & Eastern Europe: Breakdown of Comp. That See an Inc. Insolvency Risk For Their Customers in the Next 12 Months, in %, Q2 2024
      • Central & Eastern Europe: Breakdown of Comp.' Expec. Towards the Change in Payment Practices of Their B2B Customers, in %, Q2 2024
      • Central & Eastern Europe: Breakdown of Comp.' Expec. Towards the Change in Their Average DSO in the Next 12 Months, in %, Q2 2024
      • Scandinavia: Share of B2B Companies That Expect Sales to Happen Online, in %, 2024e
      • Scandinavia: Share of B2B Companies That Generate Sales Through E-Commerce Platforms, in %, 2024e
      • UK: Overview of Selected Top B2B Marketplaces, 2023e (1 of 2)
      • UK: Overview of Selected Top B2B Marketplaces, 2023e (2 of 2)
      • Germany: Overview of Selected Top B2B Marketplaces, 2023e
      • France: Overview of Selected Top B2B Marketplaces, 2024e (1 of 2)
      • France: Overview of Selected Top B2B Marketplaces, 2024e (2 of 2)
      • Netherlands: Overview of Selected Top B2B Marketplaces, 2024e (1 of 2)
      • Netherlands: Overview of Selected Top B2B Marketplaces, 2024e (2 of 2)