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市場調查報告書
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1881293

亞太地區數位支付與電子商務市場的人工智慧應用（2025）：應用、競爭格局與治理

AI in Asia-Pacific's Digital Payments and E-Commerce 2025: Adoption, Competitiveness, and Governance
出版日期: | 出版商: yStats.com | 英文 254 Pages | 商品交期: 最快1-2個工作天內

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簡介目錄

亞太地區的數位支付和電子商務市場正加速採用人工智慧技術。然而，治理水準和準備程度的差異將決定2025年的市場競爭格局。

在中國和印度、東南亞等快速成長的市場引領下，人工智慧的應用正在推動數位支付和電子商務的發展。

在中國和印度、東南亞等快速成長的新興市場的引領下，人工智慧正在改變整個亞太地區的支付和電子商務格局。到2025年，消費者將在產品發現、客戶支援和數位交易中更多地使用人工智慧，從而提昇平台效率。截至2024年7月，中國超過80%的決策者表示正在使用生成式人工智慧。

新興市場加速發展的同時，已開發國家則以更為穩健的步伐前進。

亞太地區的數位化快速成長伴隨著各國人工智慧成熟度的差異。由於監管、勞動力和企業採用等因素，日本、韓國和澳洲的進展較為謹慎。到2025年1月，日本約有一半的人經常使用人工智慧，而印度的比例超過90%。

日益激烈的競爭壓力與技能、數據和基礎設施的障礙並存。

支付、零售和金融服務業的公司越來越依賴人工智慧來提升競爭力和效率。然而，人才短缺、資料治理挑戰和基礎設施限制依然存在，尤其是在準備不足的市場。預計到 2027 年，東南亞企業將透過人工智慧和生成式人工智慧實現 7-9% 的總體成本節約。

本報告分析了亞太地區數位支付和電子商務市場的人工智慧應用趨勢，涵蓋人工智慧應用趨勢和模式、功能性用例、風險管理、信任和安全措施、競爭格局、法律法規環境以及創新推動因素。

目錄

第一章：要點總結

第二章：管理概要

第三章：人工智慧應用現況及區域格局

  • 亞太地區：應用基準
    • 依地區劃分
    • 亞洲：各國人工智慧系統應用情況
    • 東南亞：東南亞電子商務企業人工智慧應用程度構成
    • 東南亞：東南亞電子商務企業自報人工智慧應用率與實際應用率對比
    • 國家聚焦
    • 中國：人工智慧應用率
    • 中國：生成式人工智慧應用
    • 中國：生成式人工智慧的組織應用
    • 日本：人工智慧應用率
    • 日本：人工智慧市場價值成長預測
    • 日本：生成式人工智慧市場需求預測
    • 韓國：人工智慧採用率
    • 印度：人工智慧採用率
    • 印尼：電子商務企業依工具劃分的人工智慧採用情況
    • 澳洲：人工智慧採用率
    • 泰國：電子商務企業依工具劃分的人工智慧採用情況
    • 馬來西亞：電子商務企業依工具劃分的人工智慧採用情況
    • 菲律賓：電子商務企業依工具劃分的人工智慧採用情況
    • 越南：電子商務企業依工具劃分的人工智慧採用情況
    • 新加坡：電子商務企業依工具劃分的人工智慧採用情況
    • 紐西蘭：人工智慧採用率
  • 賣家區隔及障礙
    • 依地區劃分
    • 亞洲：人工智慧效益與風險的認知
    • 東南亞：賣家對人工智慧效益的認知
    • 東南亞亞洲：網路零售商採用人工智慧的障礙
    • 東南亞：各國精通人工智慧的商家比例
    • 東南亞：各國對人工智慧漠不關心的商家比例
    • 東南亞：各國願意採用人工智慧的商家比例
    • 東南亞：改善對人工智慧漠不關心的商家體驗的優先領域
    • 東南亞：改善願意採用人工智慧的商家體驗的優先領域
    • 東南亞：改善精通人工智慧的商家體驗的優先領域
    • 各國熱點
    • 中國：人工智慧應用的主要障礙與風險
    • 日本：人工智慧應用的主要障礙與風險
    • 日本：人工智慧在財務報告中的有限和廣泛應用
    • 韓國：人工智慧應用的主要障礙與風險人工智慧
    • 印度：人工智慧應用的主要障礙與風險
    • 澳洲：人工智慧應用的主要障礙與風險
    • 台灣：人工智慧應用的主要障礙與風險
    • 紐西蘭：人工智慧應用的主要障礙與風險

第四章 功能性用例與經濟影響

  • 電子商務賣家經營
    • 依地區劃分
    • 東南亞：依功能和準備程度劃分的人工智慧應用
    • 東南亞：依市場劃分的人工智慧工具使用情況、功能採用水準和營運商準備情況
    • 東南亞：使用特定人工智慧工具的電子商務賣家百分比
    • 亞太地區：線下、線上和人工智慧通路在產品發現的應用
    • 亞太地區：線下、線上和人工智慧通路在產品發現的應用
    • 東南亞亞洲：推動電子商務和數位支付領域人工智慧應用的關鍵因素
    • 東南亞：人工智慧/生成式人工智慧帶來的平均成本節約
    • 東南亞：人工智慧/生成式人工智慧帶來的平均收入成長

國家聚焦

    • 中國：人工智慧在電子商務、支付和B2B平台的應用
    • 中國：人工智慧代理在商業、消費者行為改變和 "人工智慧+" 政策支援中的應用
    • 中國：人工智慧在搜尋、社群媒體和虛擬互動平台中的應用
    • 中國：生成式人工智慧的應用、零售效率與策略平台投資
    • 中國：早期使用者對生成式人工智慧購物工具的實際應用
    • 日本：利用人工智慧工具實現個人化購物、視覺搜尋和庫存優化
    • 日本：利用人工智慧推薦引擎、聊天機器人和預測行銷電子商務
  • 支付與金融科技應用案例
    • 區域
    • 亞洲：人工智慧在普惠信貸、金融自動化和採購創新的應用
    • 亞洲：人工智慧在雲端銀行、投資分析和產業特定B2B金融解決方案中的應用
    • 亞太地區：人工智慧整合、穩定幣卡、代幣化匯款和微型商家支持
    • 國家聚焦
    • 中國與香港：中國人民銀行金融策略中的人工智慧、金融科技週亮點、連連人工智慧解決方案
    • 中國和香港：執行長報告稱，採用人工智慧提高了效率
    • 中國和香港：執行長報告稱，採用人工智慧提高了獲利能力
    • 中國：執行長報告稱，採用生成式人工智慧促進了就業成長
    • 中國：人工智慧整合與治理嵌入金融、支付與商業平台
    • 中國：人工智慧在搜尋領域的應用引擎、企業平台和數位支付生態系統
    • 中國：對話式人工智慧支付、商家整合與支付寶數位服務拓展
    • 中國：人工智慧智慧眼鏡支付、語音認證技術與全球電子錢包拓展
    • 日本：人工智慧在詐欺偵測、個人化銀行服務和自動化支付作業的應用
    • 日本：人工智慧在二維碼詐欺預防、客戶體驗和金融生態系統創新的應用
    • 香港及全球：CEO報告稱，採用人工智慧提高了效率
    • 香港及全球：CEO報告稱，採用人工智慧提高了獲利能力

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：合成技術國家趨勢身分詐欺、深度偽造、認證漏洞與金融科技
    • 國家聚焦
    • 中國：人工智慧應用相關風險的主要擔憂
    • 中國：深度搜尋模型、生成式人工智慧的興起、網路威脅與資料隱私風險
    • 中國：螢幕感知人工智慧代理的整合、資料存取權限與隱私治理
    • 中國：人工智慧在老年用戶中的應用及其在反詐騙程式中的整合
    • 日本：人工智慧勒索軟體、網路釣魚和金融平台攻擊的增加
    • 日本：人工智慧應用相關風險的主要擔憂
    • 韓國：人工智慧應用相關風險的主要擔憂
    • 印度：人工智慧應用相關風險的主要擔憂
    • 澳洲：人工智慧應用相關風險的主要擔憂
    • 台灣：人工智慧應用相關風險的主要擔憂人工智慧應用風險
    • 紐西蘭：人工智慧應用風險的主要擔憂
  • 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、網路分析與資料分享計劃
    • 亞太地區：人工智慧在詐欺偵測、即時支付安全和生物辨識認證的應用
    • 亞太地區：人工智慧驅動的企業詐欺管理、身分驗證和整合挑戰
  • 信任與準備狀況
    • 區域
    • 亞洲：工作場所中人工智慧的有意使用與信任
    • 亞洲：各國對人工智慧系統的信任與接受度
    • 亞太地區：消費者對人工智慧的信任
    • 國家聚焦
    • 中國和香港：執行長對將人工智慧融入核心業務的信心流程
    • 中國：對人工智慧系統的信任與接受度
    • 中國：人工智慧益處與風險的認知
    • 中國：工作場所中人工智慧的日常使用與信任度
    • 中國：具備合乎倫理和合法使用人工智慧所需技能和能力的員工比例
    • 中國：第三方合作夥伴關係在彌合合乎倫理和合規使用人工智慧技能差距方面的佔有率
    • 日本：大眾對人工智慧的認知
    • 日本：對人工智慧在日常生活中普及的態度
    • 日本：對人工智慧系統的信任與接受度
    • 日本：人工智慧益處與風險的認知
    • 日本：工作場所中人工智慧的常規使用和信任度
    • 日本：具備合乎倫理和合法使用人工智慧所需技能和能力的員工比例
    • 日本：為員工提供人工智慧技能提升的組織比例基於倫理和合規的人工智慧應用
    • 日本：公眾對國家人工智慧監管有效性的信心
    • 韓國：大眾對人工智慧的認知
    • 韓國：對人工智慧在日常生活中普及的態度
    • 韓國：對人工智慧系統的信任與接受度
    • 韓國：人工智慧效益與風險的認知
    • 韓國：工作場所中人工智慧的常規使用和信任度
    • 韓國：具備符合倫理和法律使用人工智慧所需技能和能力的員工比例
    • 韓國：聘請外部合作夥伴以彌補人工智慧倫理和合規技能差距的組織比例
    • 韓國：公眾對國家人工智慧監管有效性的信心
    • 印度:大眾對人工智慧的認知
    • 印度：對人工智慧在日常生活中普及的態度
    • 印度：對人工智慧系統的信任與接受度
    • 印度：人工智慧益處與風險的認知
    • 印度：工作場所中人工智慧的常規使用和信任度
    • 印度：企業生成式人工智慧策略發展水平
    • 印度：企業生成式人工智慧平台整合與架構成熟度階段分佈
    • 印度：企業生成式人工智慧資料平台成熟度
    • 印度：員工部署生成式人工智慧的準備程度
    • 印度：企業關於生成式人工智慧實施模型的決策成熟度
    • 印度：具備合乎倫理和法律地使用人工智慧所需技能和能力的員工比例
    • 印度：因人工智慧倫理和合規性問題而依賴外部資源的組織比例技能差距
    • 印度：公眾對國家人工智慧監管有效性的信心
    • 澳洲：大眾對人工智慧的認知
    • 澳洲：日常生活中對工作場所人工智慧興起的態度
    • 澳洲：對人工智慧系統的信任與接受度
    • 澳洲：對人工智慧的益處和風險的認知
    • 澳洲：工作場所中人工智慧的常規使用和信任度
    • 澳洲：具備合乎道德和合法使用人工智慧所需技能和能力的員工比例
    • 澳洲：為員工提供合乎道德和合規的人工智慧使用技能培訓的組織比例
    • 澳洲：公眾對國家人工智慧監管有效性的信心
    • 台灣：具備合乎道德和合法使用人工智慧所需技能和能力的員工比例
    • 台灣：因人工智慧倫理問題而選擇外包的組織比例合規技能差距
    • 香港及全球：CEO 對將人工智慧融入核心業務流程的信心
    • 紐西蘭：對人工智慧系統的信任與接受度
    • 紐西蘭：對人工智慧的益處和風險的看法
    • 紐西蘭：工作場所中人工智慧的常規使用和信任度
    • 紐西蘭：具備符合倫理和法律使用人工智慧所需技能和能力的員工比例
    • 紐西蘭：第三方合作關係彌補人工智慧技能差距，實現符合倫理和合規使用的比例
  • 監理與合規
    • 區域
    • 亞洲：人工智慧網路防禦、身分風險管理和合規自動化
    • 亞太地區：金融犯罪監管、合成身分洗錢和人工智慧合規策略
    • 國家聚焦
    • 中國：人工智慧監管的必要性
    • 中國：現有法規和法律對安全使用人工智慧的充分性人工智慧
    • 中國：國家人工智慧路線圖、產業標準體系與多層治理結構
    • 中國：全國打擊深度偽造、人工智慧詐欺和未註冊平台
    • 中國：有效人工智慧治理的主要預期效益
    • 日本：人工智慧監管的必要性
    • 日本：人工智慧監管與安全使用法律的充分性
    • 日本：有效人工智慧治理的主要預期效益
    • 韓國：人工智慧監管的必要性
    • 韓國：人工智慧監管和安全使用法律的充分性
    • 韓國：有效人工智慧治理的主要預期效益
    • 印度：人工智慧監管的必要性
    • 印度：人工智慧監管與安全使用法律的充分性
    • 印度：有效人工智慧治理的主要預期效益
    • 澳洲：人工智慧監管的必要性
    • 澳洲：人工智慧監管與安全使用法律的充分性人工智慧監管與安全使用法律
    • 澳洲：有效人工智慧治理的主要預期效益
    • 台灣：有效人工智慧治理的主要預期效益
    • 紐西蘭：人工智慧監管的必要性
    • 紐西蘭：人工智慧監管和安全使用法律的充分性
    • 紐西蘭：有效人工智慧治理的主要預期效益

第六章 競爭格局與人工智慧策略發展

  • 市場規模與活躍度
    • 區域
    • 亞洲：人工智慧驅動型金融科技公司的融資狀況
    • 亞洲：人工智慧驅動型金融科技公司數量及佔金融科技公司總數的百分比
    • 亞洲：人工智慧金融科技公司主要聚集的國家/地區
    • 國家聚焦
    • 中國和香港：執行長關於人工智慧應用帶來的員工隊伍變化的報告
    • 中國和香港：執行長的預期未來三年人工智慧融入勞動力和技能的趨勢
    • 日本：基於2025年人工智慧促進法案的人工智慧市場價值、產業應用及治理結構
    • 香港及全球：執行長報告人工智慧應用帶來的勞動力變化
    • 香港及全球：執行長預期人工智慧將在未來三年融入勞動力和技能
  • 主要公司的策略舉措

第七章 人工智慧治理、監管及創新推動因素

  • 公私部門人工智慧舉措
    • 區域
    • 亞洲：金融領域人工智慧治理、基礎設施及實驗的公共及私部門推動因素
    • 亞洲：四個經濟體的人工智慧沙盒及能力建構方案
    • 亞洲：四個金融中心的人工智慧監理沙盒及創新中心市場
    • 國家聚焦
    • 中國：人工智慧基礎設施、資料中心和數位人民幣系統的擴張
    • 中國：運算能力的擴張、資料成長、產業特定人工智慧模型與再生能源
    • 中國：人工智慧在製造業、零售業和能源領域的應用，重點在於生產力和綠色創新
    • 中國：政府創投基金、資助計畫與大學合作人工智慧創新網絡
    • 中國：人工智慧+策略、教育與數據計畫、政策重點
    • 中國：人工智慧模型的快速擴張、基礎建設投資的增加、勞動市場失衡
    • 日本：政府國內人工智慧發展、基礎建設和經濟影響計劃
    • 日本：人工智慧基礎設施、技能培訓、研究合作、網路安全合作
    • 韓國：私人人工智慧投資、政府激勵措施、公私合作融資模式
    • 韓國：人工智慧基礎設施融資、數據存取、叢集發展
    • 韓國：GPU擴展、國家人工智慧運算中心建置、國內人工智慧晶片支援
  • 人工智慧創新框架
    • 區域
    • 亞洲：人工智慧創新催化劑、普惠金融、監管洞察、風險管理
    • 亞洲：人工智慧創新、市場適應性監管框架，用於整合、協調和專業知識
    • 亞洲：金融市場人工智慧創新刺激因素的設計、資源與監管障礙
    • 亞洲：跨產業人工智慧實驗平台與治理的發展
    • 亞太地區：人工智慧策略、預測能力與金融犯罪預防中的治理重點
    • 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
    • 國家聚焦
    • 中國：人工智慧研究成果、專利領導與數據驅動的創新拓展
    • 中國：生成式人工智慧的應用、專利領先地位及自動化監控的使用
    • 中國：整合運算系統、資料治理架構及產業人工智慧戰略
    • 中國：資料產生、可存取性及公私部門人工智慧合作
    • 中國：人工智慧人才培育、留任及組織發展
    • 中國：生成式人工智慧的領先地位、不斷提升的基準及開源模型的成長
    • 中國：人工智慧資料系統片段化、人才短缺及產業整合不平衡
    • 中國：人工智慧發展、數位貨幣基礎設施及貿易體系整合
    • 日本：人工智慧促進法、策略中心及負責任創新治理框架
    • 日本：人工智慧在數位商務中的責任、倫理準則及基於信任的合規性
    • 韓國：國家人工智慧總體規劃、總統監督、保全廳及預算協調小組委員會
    • 韓國：人工智慧強制揭露、計算監管和表達要求
    • 韓國：人工智慧文件強制要求、計算監管和揭露規則
簡介目錄
Product Code: 1707

Asia-Pacific's Digital Payments and E-Commerce Markets Advance as AI Adoption Accelerates, While Governance and Readiness Gaps Shape Competitive Outcomes in 2025

AI adoption lifts digital payments and E-Commerce, driven by China and high-growth markets

AI is reshaping payments and E-Commerce across Asia-Pacific, led by China and fast-expanding emerging markets such as India and Southeast Asia. By 2025, consumers increasingly use AI for product discovery, customer support, and digital transactions, supporting platform efficiency. In China, over 80% of decision-makers reported using Generative AI by July 2024.

Emerging markets accelerate, while advanced economies move at a steadier pace

Asia-Pacific's rapid digital growth contrasts with uneven AI maturity across countries. Japan, South Korea, and Australia advance more cautiously due to regulatory, workforce, and corporate adoption factors. By January 2025, around half of individuals in Japan used AI regularly, compared with over 90% in India.

Rising competitiveness coincides with skills, data, and infrastructure barriers

Companies across payments, retail, and financial services increasingly rely on AI to strengthen competitiveness and efficiency. However, talent gaps, data governance challenges, and infrastructure constraints persist, especially in less-ready markets. By 2027, firms in Southeast Asia expect AI and GenAI to lower total costs by 7-9%.

Table of Contents

1. Key Takeaways

2. Management Summary

3. AI Adoption Landscape & Regional Patterns

  • 3.1. APAC: Adoption Benchmarks
    • 3.1.1. Regional
    • 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
    • 3.1.2. Country Spotlights
    • China: Adoption of AI, in % of Respondents, Nov 2024 - Jan 2025
    • China: Generative AI Adoption, in % of Respondents, July 2024
    • China: Generative AI Implementation in Organizations, in % of Respondents, July 2024
    • Japan: Adoption of AI, in % of Respondents, Nov 2024 - Jan 2025
    • Japan: AI Market Value Growth, in USD billions, 2024 & 2033f
    • Japan: Generative AI Market Demand, in USD billions, 2023 & 2025 & 2030f
    • South Korea: Adoption of AI, in % of Respondents, Nov 2024 - Jan 2025
    • India: Adoption of AI, in % of Respondents, Nov 2024 - Jan 2025
    • Indonesia: AI Adoption by Tool Type Among E-Commerce Sellers, in % of Resp. Using Each Tool, Feb. 2025
    • Australia: Adoption of AI, in % of Respondents, Nov 2024 - Jan 2025
    • Thailand: 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
    • 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
    • Singapore: AI Adoption by Tool Type Among E-Commerce Sellers, in % of Resp. Using Each Tool, Feb. 2025
    • New Zealand: Adoption of AI, in % of Respondents, Nov 2024 - Jan 2025
  • 3.2. Seller Segmentation & Barriers
    • 3.2.1. Regional
    • 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
    • 3.2.2. Country Spotlights
    • China: Top Barriers About Risks Associated with AI Use and Implementation, in % of Respondents, Sep - Oct 2024
    • Japan: Top Barriers About Risks Associated with AI Use and Implementation, in % of Resp., Sep - Oct 2024
    • Japan: Selective or Wide Use of AI in Financial Reporting, in % of Organizations, Apr 2024 & Sep 2024
    • South Korea: Top Barriers About Risks Associated with AI Use and Implementation, in % of Resp., Sep - Oct 2024
    • India: Top Barriers About Risks Associated with AI Use and Implementation, in % of Resp., Sep - Oct 2024
    • Australia: Top Barriers About Risks Associated with AI Use and Implementation, in % of Resp., Sep - Oct 2024
    • Taiwan: Top Barriers About Risks Associated with AI Use and Implementation, in % of Resp., Sep - Oct 2024
    • New Zealand: Top Barriers About Risks Associated with AI Use and Implementation, in % of Resp., Sep - Oct 2024

4. Functional Use Cases & Economic Impact

  • 4.1. E-Commerce Seller Operations
    • 4.1.1. Regional
    • 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

Country Spotlights

    • China: AI Integration Across E-Commerce, Payments, and B2B Platforms via Leading Tech Ecosys., Nov 2025
    • China: AI Agent Expansion in Commerce, Shifting Consumer Behavior, and "AI Plus" Policy Support, Nov 2025
    • China: AI Integration in Search, Social Networking, and Virtual Interaction Platforms, Oct 2025
    • China: Generative AI Adoption, Retail Efficiency Gains, and Strategic Platform Investment, Nov 2025
    • China: Practical Use of Generative AI Shopping Tools Among Early-Adopting Consumers, Aug 2024
    • Japan: Use of AI Tools for Personalised Shopping, Visual Search, and Inventory Optimisation, Oct 2025
    • Japan: Use of AI Recommendation Engines, Chatbots, and Predictive Marketing in E-Commerce, Oct 2025
  • 4.2. Payments & FinTech Use Cases
    • 4.2.1. Regional
    • 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
    • 4.2.2. Country Spotlights
    • China & Hong Kong: PBoC "AI + Finance" Strategy, FinTech Week Highlights, and LianLian AI Solutions, Nov 2025
    • China & Hong Kong: CEO Reports of Efficiency Gains from AI Adoption, in % of Respondents, 2025
    • China & Hong Kong: CEO Reports of Profitability Improvements from AI Adoption, in % of Respondents, 2025
    • China: CEO Reports of Job Growth Resulting from Generative AI Adoption, in % of Respondents, 2025
    • China: AI Integration Across Finance, Payments, and Commerce Platforms with Built-In Governance, Nov 2025
    • China: AI Deployment in Search Engines, Enterprise Platforms, and Digital Payment Ecosystems, Oct 2025
    • China: Conversational AI Payments, Merchant Integration, Alipay's Digital Service Expansion, Oct 2025
    • China: AI Smart Glasses Payments, Voice Authentication Technology, and Global E-Wallet Expansion, Nov 2025
    • Japan: Application of AI in Fraud Detection, Personalised Banking, and Automated Payment Operations, Oct 2025
    • Japan: AI in QR Fraud Prevention, Customer Experience, and Financial Ecosystem Innovation, Oct 2025
    • Hong Kong & Global: CEO Reports of Efficiency Gains from AI Adoption, in % of Resp., 2025
    • Hong Kong & Global: CEO Reports of Profitability Improvements from AI Adoption, in % of Resp., 2025

5. Risk Management, Trust & Security

  • 5.1. Fraud & Threat Trends

5.1.1. Regional

    • SEA: Year-over-Year Increase in AI-linked Fraud Rate, in %, 2024
    • APAC: Synthetic Identity Fraud, Deepfakes, Verification Gaps and Country Trends in FinTech, 2025
    • 5.1.2. Country Spotlights
    • China: Top Concerns About Risks Associated with AI Use, in % of Respondents, Sep - Oct 2024
    • China: DeepSeek Model, Generative AI Expansion, Cyber Threats, and Data-Privacy Risks, Oct 2025
    • China: Integration of Screen-Aware AI Agents, Data Access Permissions, and Privacy Gover. Gaps, Oct 2025
    • China: AI Adoption Among Elderly Users and Integration in Fraud Prevention Programs, Oct 2025
    • Japan: Rise of AI-Enhanced Ransomware, Phishing, and Financial Platform Attacks, Oct 2025
    • Japan: Top Concerns About Risks Associated with AI Use, in % of Respondents, Sep - Oct 2024
    • South Korea: Top Concerns About Risks Associated with AI Use, in % of Respondents, Sep - Oct 2024
    • India: Top Concerns About Risks Associated with AI Use, in % of Respondents, Sep - Oct 2024
    • Australia: Top Concerns About Risks Associated with AI Use, in % of Respondents, Sep - Oct 2024
    • Taiwan: Top Concerns About Risks Associated with AI Use, in % of Respondents, Sep - Oct 2024
    • New Zealand: Top Concerns About Risks Associated with AI Use, in % of Respondents, Sep - Oct 2024
  • 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
    • 5.3.1. Regional
    • 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
    • 5.3.2. Country Spotlights
    • China & Hong Kong: CEO Trust in Integrating AI into Core Business Processes, in % of Respondents, 2025
    • China: Trust and Acceptance of AI Systems, in % of Respondents, Nov 2024 - Jan 2025
    • China: Views of AI Benefits Over Risks, Nov 2024 - Jan 2025
    • China: Regular Use and Trust of AI at Work, Nov 2024 - Jan 2025
    • China: Share of Employees with Required AI Skills and Capabilities for Ethical and Legal AI Use, in % of Respondents, Sep - Oct 2024
    • China: Share of Third-Party Partnerships on AI Skills Gaps for Ethical and Compliant AI Use, in % of Respondents, Sep - Oct 2024
    • Japan: Public Awareness of Artificial Intelligence, in % of Respondents, Jan 2025 - Apr 2025
    • Japan: Attitudes Toward the Rise of AI in Daily Life, in % of Respondents, Jan 2025 - Apr 2025
    • Japan: Trust and Acceptance of AI Systems, in % of Respondents, Nov 2024 - Jan 2025
    • Japan: Views of AI Benefits Over Risks, in % of Respondents, Nov 2024 - Jan 2025
    • Japan: Regular Use and Trust of AI at Work, in % of Respondents, Nov 2024 - Jan 2025
    • Japan: Share of Employees with Required AI Skills and Capabilities for Ethical and Legal AI Use, in % of Resp., Sep - Oct 2024
    • Japan: Share of Organizations Upskilling Staff for Ethical and Compliant AI Use, in % of Resp., Sep - Oct 2024
    • Japan: Public Trust in National AI Regulation Effectiveness, in % of Respondents, Jan 2025 - Apr 2025
    • South Korea: Public Awareness of Artificial Intelligence, in % of Respondents, Jan 2025 - Apr 2025
    • South Korea: Attitudes Toward the Rise of AI in Daily Life, in % of Respondents, Jan 2025 - Apr 2025
    • South Korea: Trust and Acceptance of AI Systems, in % of Respondents, Nov 2024 - Jan 2025
    • South Korea: Views of AI Benefits Over Risks, in % of Respondents, Nov 2024 - Jan 2025
    • South Korea: Regular Use and Trust of AI at Work, in % of Respondents, Nov 2024 - Jan 2025
    • South Korea: Share of Employees with Required AI Skills and Capabilities for Ethical and Legal AI Use, in % of Resp., Sep - Oct 2024
    • South Korea: Share of Organizations with External Hiring for AI Ethics and Compliance Skill Gaps, in % of Resp., Sep - Oct 2024
    • South Korea: Public Trust in National AI Regulation Effectiveness, in % of Respondents, Jan 2025 - Apr 2025
    • India: Public Awareness of Artificial Intelligence, in % of Respondents, Jan 2025 - Apr 2025
    • India: Attitudes Toward the Rise of AI in Daily Life, in % of Respondents, Jan 2025 - Apr 2025
    • India: Trust and Acceptance of AI Systems, in % of Respondents, Nov 2024 - Jan 2025
    • India: Views of AI Benefits Over Risks, in % of Respondents, Nov 2024 - Jan 2025
    • India: Regular Use and Trust of AI at Work, in % of Respondents, Nov 2024 - Jan 2025
    • India: Levels of GenAI Strategy Development Among Enterprises, in % of Respondents, 2025
    • India: Distribution of Enterprises by Stage of GenAI Platform Integration and Architecture Maturity, in % of Respondents, 2025
    • India: Enterprise Data Platform Maturity for GenAI Enablement, in % of Respondents, 2025
    • India: Enterprise Workforce Readiness for GenAI Deployment, in % of Respondents, 2025
    • India: Enterprise Decision-Making Maturity for GenAI Implementation Models, in % of Respondents, 2025
    • India: Share of Employees with Required AI Skills and Capabilities for Ethical and Legal AI Use, in % of Resp., Sep - Oct 2024
    • India: Share of Organizations with External Hiring for AI Ethics and Compliance Skill Gaps, in % of Resp., Sep - Oct 2024
    • India: Public Trust in National AI Regulation Effectiveness, in % of Respondents, Jan 2025 - Apr 2025
    • Australia: Public Awareness of Artificial Intelligence, in % of Respondents, Jan 2025 - Apr 2025
    • Australia: Attitudes Toward the Rise of AI in Daily Life, in % of Respondents, Jan 2025 - Apr 2025
    • Australia: Trust and Acceptance of AI Systems, in % of Respondents, Nov 2024 - Jan 2025
    • Australia: Views of AI Benefits Over Risks, in % of Respondents, Nov 2024 - Jan 2025
    • Australia: Regular Use and Trust of AI at Work, in % of Respondents, Nov 2024 - Jan 2025
    • Australia: Share of Employees with Required AI Skills and Capabilities for Ethical and Legal AI Use, in % of Resp., Sep - Oct 2024
    • Australia: Share of Organizations Upskilling Staff for Ethical and Compliant AI Use, in % of Resp., Sep - Oct 2024
    • Australia: Public Trust in National AI Regulation Effectiveness, in % of Respondents, Jan 2025 - Apr 2025
    • Taiwan: Share of Employees with Required AI Skills and Capabilities for Ethical and Legal AI Use, in % of Resp., Sep - Oct 2024
    • Taiwan: Share of Organizations with External Hiring for AI Ethics and Compliance Skill Gaps, in % of Resp., Sep - Oct 2024
    • Hong Kong & Global: CEO Trust in Integrating AI into Core Business Processes, in % of Resp., 2025
    • New Zealand: Trust and Acceptance of AI Systems, in % of Respondents, Nov 2024 - Jan 2025
    • New Zealand: Views of AI Benefits Over Risks, in % of Respondents, Nov 2024 - Jan 2025
    • New Zealand: Regular Use and Trust of AI at Work, in % of Respondents, Nov 2024 - Jan 2025
    • New Zealand: Share of Employees with Required AI Skills and Capabilities for Ethical and Legal AI Use, in % of Resp., Sep - Oct 2024
    • New Zealand: Share of Third-Party Partnerships on AI Skills Gaps for Ethical and Compliant AI Use, in % of Resp., Sep - Oct 2024
  • 5.4. Regulation & Compliance
    • 5.4.1. Regional
    • 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
    • 5.4.2. Country Spotlights
    • China: Views on the Need for AI Regulation, in % of Respondents, Nov 2024 - Jan 2025
    • China: Adequacy of AI Regulation and Laws for Safe Use, in % of Respondents, Nov 2024 - Jan 2025
    • China: National AI Roadmap, Industry Standards System, and Multi-Level Governance Structure, Nov 2025
    • China: National Crackdown on Deepfakes, AI Fraud, and Unregistered Platforms, Oct 2025
    • China: Top Expected Benefits of Effective AI Governance, in % of Respondents, Sep - Oct 2024
    • Japan: Views on the Need for AI Regulation, in % of Respondents, Nov 2024 - Jan 2025
    • Japan: Adequacy of AI Regulation and Laws for Safe Use, in % of Respondents, Nov 2024 - Jan 2025
    • Japan: Top Expected Benefits of Effective AI Governance, in % of Respondents, Sep - Oct 2024
    • South Korea: Views on the Need for AI Regulation, in % of Respondents, Nov 2024 - Jan 2025
    • South Korea: Adequacy of AI Regulation and Laws for Safe Use, in % of Respondents, Nov 2024 - Jan 2025
    • South Korea: Top Expected Benefits of Effective AI Governance, in % of Respondents, Sep - Oct 2024
    • India: Views on the Need for AI Regulation, in % of Respondents, Nov 2024 - Jan 2025
    • India: Adequacy of AI Regulation and Laws for Safe Use, in % of Respondents, Nov 2024 - Jan 2025
    • India: Top Expected Benefits of Effective AI Governance, in % of Respondents, Sep - Oct 2024
    • Australia: Views on the Need for AI Regulation, in % of Respondents, Nov 2024 - Jan 2025
    • Australia: Adequacy of AI Regulation and Laws for Safe Use, in % of Respondents, Nov 2024 - Jan 2025
    • Australia: Top Expected Benefits of Effective AI Governance, in % of Respondents, Sep - Oct 2024
    • Taiwan: Top Expected Benefits of Effective AI Governance, in % of Respondents, Sep - Oct 2024
    • New Zealand: Views on the Need for AI Regulation, in % of Respondents, Nov 2024 - Jan 2025
    • New Zealand: Adequacy of AI Regulation and Laws for Safe Use, in % of Respondents, Nov 2024 - Jan 2025
    • New Zealand: Top Expected Benefits of Effective AI Governance, in % of Respondents, Sep - Oct 2024

6. Competitive Landscape & Strategic AI Movement

  • 6.1. Market Scale & Activity
    • 6.1.1. Regional
    • 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
    • 6.1.2. Country Spotlights
    • China & Hong Kong: CEO Reports of Workforce Changes from AI Adoption, in % of Respondents, 2025
    • China & Hong Kong: CEO Expectations for AI Integration in Workforce and Skills in Next 3 Years, in % of Respondents, 2025
    • Japan: AI Market Value, Sectoral Adoption, and Governance Framework under the 2025 AI Promotion Act, Oct 2025
    • Hong Kong & Global: CEO Reports of Workforce Changes from AI Adoption, in % of Resp., 2025
    • Hong Kong & Global: CEO Expect. for AI Integration in Workforce and Skills in Next 3 Years, in % of Resp., 2025
  • 6.2. Strategic Moves by Key Players
    • 6.2.1. Regional
    • 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
    • 6.2.2. Country Spotlights
    • China: Alibaba's AI Investment Strategy, Cloud Expansion, and Platform Integration, Nov 2025
    • China: Alibaba's AI Infrastructure Expansion, Nvidia Partnership, and Launch of Qwen3-Max and Qwen3-Omni, Nov 2025
    • China: Alibaba's Global AI and Cloud Investments, Global Data Centers, and Industry Partnerships, Oct 2025
    • China: Alibaba's AI-Driven Market Revival, Strategic Partnerships, and Investor Revaluation, Oct 2025
    • China: Taobao and Tmall's Revenue Growth, AI-Powered User Expansion, and 88VIP Membership Retention, Nov 2025
    • China: Expansion of Generative AI Advertising Across E-Commerce and Social Media Platforms, Nov 2025
    • China: Alipay Tap!'s User Growth, SME Investment, and AI-Powered Healthcare Integration, Nov 2025
    • China: Long-Context Chatbot Development, Model Scaling, and Generative AI Competition, Oct 2025
    • China: Ling-1T Model Performance, AI Ecosystem Development, and Strategic Fintech Integration, Oct 2025
    • China: Zhipu AI's GLM Architecture, Product Ecosystem, and Cross-Border Funding, Oct 2025

7. AI Governance, Regulation & Innovation Enablers

  • 7.1. Public & Private Sector AI Initiatives
    • 7.1.1. Regional
    • 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)
    • 7.1.2. Country Spotlights
    • China: Expansion of AI Infrastructure, Data Centers, and Digital Yuan Systems, Nov 2025
    • China: Computing Capacity, Data Growth, Sectoral AI Models, and Renewable Energy Expansion, Nov 2025
    • China: AI in Manufacturing, Retail, and Energy Focused on Productivity and Green Innovation, Nov 2025
    • China: Government Venture Funds, Subsidy Programs, and Uni.-Linked AI Innovation Networks, Oct 2025
    • China: AI+ Strategy, Education and Data Initiatives, and Policy Priorities, Oct 2025
    • China: Rapid AI Model Expansion, Rising Infrastructure Investment, and Labor Market Imbalance, Nov 2025
    • Japan: Government Planning for Domestic AI Development, Infrastructure, and Economic Impact, Oct 2025
    • Japan: AI Infrastructure, Skills Training, Research Collaboration, and Cybersecurity Cooperation, Oct 2025
    • South Korea: Private AI Investment, Government Incentives, and Public-Private Funding Model, Oct 2025
    • South Korea: AI Infrastructure Funding, Data Access, and Cluster Development, Oct 2025
    • South Korea: GPU Expansion, National AI Computing Center Development, Domestic AI Chip Support, Oct 2025
  • 7.2. AI Innovation Frameworks
    • 7.2.1. Regional
    • 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
    • 7.2.2. Country Spotlights
    • China: AI Research Output, Patent Leadership, and Data-Driven Innovation Expansion, Oct 2025
    • China: Generative AI Adoption, Patent Leadership, and Automated Monitoring Use, Oct 2025
    • China: Unified Computing System, Data Governance Frameworks, and Industrial AI Strategy, Oct 2025
    • China: Data Generation, Accessibility, and Public-Private AI Collaboration, Oct 2025
    • China: AI Talent Production, Retention, and Institutional Development, Oct 2025
    • China: Generative-AI Leaders, Benchmark Gains, and Open-Source Model Growth, Oct 2025
    • China: Fragmented AI Data Systems, Limited High-End Talent, and Uneven Industrial Integration, Nov 2025
    • China: Integration of AI Development, Digital Currency Infrastructure, and Trade Systems, Oct 2025
    • Japan: AI Promotion Act, Strategy Center, and Governance Framework for Responsible Innovation, Oct 2025
    • Japan: AI Responsibilities, Ethical Guidelines, and Trust-Based Compliance in Digital Commerce, Oct 2025
    • South Korea: National AI Master Plan, Presidential Oversight, Safety Institutions, and Budget-Aligned Subcommittees, Oct 2025
    • South Korea: Mandatory AI Disclosure, Compute-Based Oversight, and Representation Requirements, Oct 2025
    • South Korea: AI Documentation Duties, Compute-Based Oversight, and Disclosure Rules, Oct 2025