基於代理商的商業、人工智慧編配和自主支付市場：2026 年

隨著基於代理的系統影響數位交易生態系統，人工智慧驅動的全球商業和自主支付基礎設施正在擴展。

主要亮點

• 到 2025 年，全球在至少一項業務職能中使用人工智慧的組織比例將從 2023 年的 50% 以上增加到 80% 以上。
• 到 2025 年，全球超過 60% 的 AI 用戶將使用 AI 來比較產品、品牌和價格，這凸顯了 AI 輔助商業環境的日益普及。
• 在美國，即使到了 2025 年，採用基於代理的人工智慧的最大障礙仍然是網路安全和資料隱私，分別有 35% 和 30% 的受訪者認為這是挑戰。

人工智慧輔助商務正在從產品發現擴展到購買協助和交易協調。

人工智慧輔助商務系統的功能正從建議和搜尋擴展到更廣泛的領域，例如購買調整、訂閱管理和交易執行流程。儘管互動式介面、人工智慧購物代理和代理購買環境正在全球範圍內融入數位商務生態系統，但由於信任、管治和核准的限制，完全自主購買的普及程度仍然有限​​。

可編程支付基礎設施的擴展和多軌調整仍在繼續。

支付生態系統正在超越傳統的簡單交易處理模式，發展到包含委託核准、可程式支付執行和可互通的交易對帳系統。在商業環境中，人們越來越依賴編配層、令牌化憑證、可互通的API和機器可讀的交易基礎設施，以支援跨卡、錢包、即時支付系統和跨帳戶結算管道的AI輔助對帳。

詐欺防制、管治和信任基礎設施的戰略重要性日益凸顯。

隨著人工智慧驅動的商業活動不斷擴展，金融機構和支付服務提供者正日益加強在整個數位交易領域內的詐欺偵測、行為認證、生物識別和自適應風險評分系統。同時，全球監管機構也持續改善圍繞人工智慧驅動交易、委託核准系統和自動化金融監管環境的管治框架。

本報告檢視了全球商業市場，總結了向人工智慧輔助、委託和自主等新型商業模式過渡的趨勢，各行業公司目前採用人工智慧的狀況，全球和區域商業基礎設施的發展，人工智慧的應用領域，法律制度，競爭格局，以及未來展望和戰略情景。

目錄

第1章要點

第2章 管理概要

第3章：全球概覽：從數位商務到以代理為基礎的商務

• 委託與自主商業模式
• 全球演進：人工智慧輔助、委託與自主交易模式
• 全球：人工智慧輔助商務、委託採購與自主交易執行
• 全球演變：從輔助產品搜尋到商業旅程中的自主購買
• 企業採用和策略性整合基於代理的人工智慧
• 全球：在至少一項業務職能中使用人工智慧的組織百分比
• 全球：基於代理商的人工智慧和生成式人工智慧在銀行業各個領域的關鍵發展
• 美國：企業採用基於代理的人工智慧技術的現狀
• 美國：雇主對生成式人工智慧任務的評級：按策略影響程度分類
• 美國：企業市場占有率
• 美國：偏好生成型人工智慧平台供應商的企業市場占有率
• 美國：企業對生成式人工智慧策略影響與風險的認知
• 美國：金融領域人工智慧活用狀況：按職能、領導角色和管治優先事項分類
• 美國：採用基於代理的人工智慧面臨的主要障礙
• 機器主導的經濟監管與自主系統
• 世界：機器主導的經濟監管與自主系統
• 全球：從結算執行到授權、信任和可程式交易邏輯
• 人工智慧商務介面和生態系統的競爭
• 全球：人工智慧平台、支付基礎設施和商業生態系統的策略定位
• 全球：人工智慧購物介面、產品發現系統與商務整合框架
• 全球：人工智慧驅動的客戶互動、交易調整與商業工作流程

第4章：面向自主商業的全球基礎設施

• 即時結算和多軌道交通交易基礎設施
• 全球：非現金交易及商業年複合成長率預測
• 全球：即時支付、開放API、代幣化和可互通的商業基礎設施
• 全球：因應A2A支付和多軌基礎設施發展的策略性舉措
• 全球：多軌支付、編配實施、基礎設施定位與收入模式
• 基於錢包和代幣化的支付生態系統
• 全球：支付系統中的穩定幣、代幣化存款和基於區塊鏈的支付
• 美國：數位錢包普及趨勢
• 歐洲：人工智慧錢包合併、P2P 擴展、數位歐元整合
• 中國：行動錢包普及率、數位基礎設施和消費者使用情況
• 開放銀行和互通商業基礎設施
• 全球：基於代理商的商務的技術基礎、協定和平台整合。
• 全球：人工智慧商務協議和互通性標準
• 歐洲：人工智慧在開放銀行的應用，協助風險管理、加值服務和基礎建設效率提升
• 英國：開放銀行、API生態系統、人工智慧支付創新
• 雲端基礎設施和人工智慧運算能力
• 全球：擴大雲端基礎設施規模以支援人工智慧運算，提升商業處理能力。
• 美國：人工智慧基礎設施擴張與投資者信心
• 歐洲：雲端依賴、模組化人工智慧架構、策略性投資重點
• 非洲：人工智慧部署的數位基礎設施、資料中心擴建和管治模式
• 商戶基礎設施和人工智慧驅動的商業執行
• 全球：商家對 API 結帳和人工智慧賦能型商務基礎設施的準備情況
• 世界：支付​​處理流程、系統依賴關係和核准決策層。

第5章：世界各地的人工智慧代理與自主商務系統

• AI購物代理與委託購買模型
• 全球：自主購物代理、採購委託與人工智慧輔助商務工作流程
• 全球：對話式商務與人工智慧輔助購物體驗
• 全球：基於代理商的商務、自動化支付流程和新的身分驗證實作。
• 美國：人工智慧購物功能、虛擬卡整合以及支付領域的普及障礙
• 支付路由和自動化商務執行
• 全球：多軌支付路由、交易編配與自動化執行基礎設施
• 全球：結帳基礎設施交易閘道器和商務執行層競爭
• 全球：人工智慧最佳化的支付、風險管理與客戶體驗
• B2B商務與採購中的人工智慧自動化
• 全球：訂閱自動化與自主循環收費商業模式
• 全球：人工智慧採購代理和自主供應商協調系統
• 全球：B2B支付，嵌入式金融、API、人工智慧和信用工具。
• 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：人工智慧驅動的雲端銀行、投資分析和垂直整合的B2B金融解決方案
• 自主商務在各工業領域的應用
• 全球：零售、旅遊和數位服務領域自主商務的應用案例
• 阿拉伯聯合大公國：人工智慧在航空、零售、金融服務、物流和電信領域的應用。

第6章：全球支付執行與人工智慧交易架構

• 授權採購核准和支出管治
• 全球：支出限額、核准層級、可程式交易權限
• 全球：人為監督、持續的同意、授權支出管治
• 全球：支付、核准和代理商主導的結帳
• 人工智慧交易架構和數位身分基礎設施
• 全球：跨身分、認證、支付和風險基礎設施的人工智慧交易架構
• 全球：代理錢包、持久憑證、可攜式交易身分基礎設施
• 全球：人工智慧在代幣化支付、數位身分和基於代理的商業中的應用
• 亞太地區：人工智慧驅動的商業整合、代理主導的支付以及支付網路的定位
• 可編程、代幣化、數位支付系統
• 全球：穩定幣、央行數位貨幣（CBDC）和代幣化結算中的可程式貨幣基礎設施
• 歐洲：數位歐元、MiCA法規、創新框架、人工智慧支付
• 亞太地區：人工智慧整合、穩定幣卡、代幣化匯款、微型商家接入
• 跨境支付連接和自動化交易
• 全球：跨境支付系統連線、互通性、自動化支付系統
• 中國：支付寶和微信支付的全球擴張及跨境使用趨勢
• 拉丁美洲：跨境支付與電子商務
• 非洲：匯款增加、支付效率低、穩定幣和人工智慧驅動的普惠金融

第7章：全球認同、信任與認證

• 數位身分基礎設施和可信賴檢驗系統
• 全球：數位身分錢包、檢驗憑證和可信任商業基礎設施
• 歐洲：支付基礎設施的韌性以及將身分驗證整合到網路風險管治
• 利用行為認證和人工智慧進行詐欺預防
• 全球：被動檢驗、行為認證與自適應事務信任模型
• 歐洲：人工智慧驅動的詐欺預防、生物識別和代幣化支付解決方案
• 歐洲：強大的客戶身份驗證、有效減少詐欺以及詐欺的替代動態。
• 亞太地區：人工智慧驅動的詐騙偵測、即時支付安全和生物識別
• 持續檢驗與消費者對委託結算的信心
• 全球：持續檢驗和行動訊號作為數位詐騙預防的核心控制層
• 全球：消費者信任、身分驗證摩擦與委託支付的接受度

第8章：全球詐欺、剝削與安全風險

• 人工智慧驅動的詐欺和金融犯罪風險
• 全球：儘管有客戶身份驗證，但人工智慧詐欺仍在增加，支付詐騙的金額很高。
• 全球：人工智慧驅動的網路釣魚、加速的社交工程攻擊以及人工智慧主導的支付詐騙偵測
• 全球：深度造假詐騙、合成身分風險和人工智慧驅動的金融詐騙
• 中東：生成式人工智慧在詐騙偵測、風險管理、客戶參與和金融自動化領域的應用
• 深度造假、合成身分詐騙以及身分驗證的風險
• 世界：深度造假檢測能力的自我評估
• 歐洲：人工智慧支付中的深度造假、合成身份和註冊操縱
• 亞太地區：合成身分詐騙、深度造假、身分驗證漏洞和金融科技趨勢（按國家/地區分類）
• 基於人工智慧的風險檢測與支付安全管理
• 全球：人工智慧交易責任、消費者保護與委託支付責任
• 全球：現代支付系統中的即時風險評分和核可階段決策
• 全球範圍內：人工智慧在支付處理、詐騙偵測和營運基礎設施領域的應用
• 全球範圍內：人工智慧在交易監控、身份驗證和支付最佳化中的應用
• 亞洲：人工智慧驅動的網路防禦、身分風險管理和合規自動化
• 中東：人工智慧驅動的金融威脅偵測、第三方風險先導計畫、基礎設施安全

第9章 全球管治、監管與法律體制

• 自主商業與人工智慧交易的管治框架
• 全球：人工智慧驅動交易和自主商務面臨的監管挑戰
• 全球：人工智慧管治挑戰、集中式策略以及支付公司的領導角色
• 歐洲：缺乏課責、數據偏差以及操縱消費者風險，這些都與全球支付人工智慧（GPAI）有關。
• 歐洲：人工智慧法律、監管沙箱、測試環境和資料空間策略
• 拉丁美洲：監管差距、區域框架、區域合作與人工智慧管治
• 人工智慧監管沙盒和創新計劃
• 亞洲：四個經濟區的AI沙箱和能力發展計劃
• 亞洲：四個金融市場中的人工智慧監理沙盒和創新中心
• 拉丁美洲和加勒比海地區：負責任的人工智慧舉措、政策挑戰、監管需求和資料管治差距
• 人工智慧監控、透明度和合規性要求
• 全球：金融犯罪分析中可解釋人工智慧和模型管治的要求
• 歐洲：人工智慧透明度、第三方監管、資訊通訊技術風險和倫理使用要求
• 歐洲：GPAI 可解釋性的限制、ICT 風險以及銀行業人才短缺。
• 歐洲：人工智慧法律風險模型、電子商務的引入以及透過人工智慧協議的早期實施。
• 亞太地區：金融犯罪監管、利用合成身分洗錢以及人工智慧合規策略
• 亞太地區：人工智慧策略、預測能力和管治重點在打擊金融犯罪中的作用
• 中東和北非：透過倫理原則、資料法律和創新沙盒來監管金融領域的人工智慧

第10章：地方生態系的發展

• 北美洲
• 歐洲
• 亞太地區
• 中東
• 拉丁美洲
• 非洲

第11章：全球競爭格局與策略定位

• 人工智慧與商業生態系統中的競爭
• 全球：基於代理商的商業生態系統中的結構性贏家和脆弱性
• 全球：人工智慧平台基礎設施領域的贏家以及市場和搜尋引擎最佳化依賴型零售商面臨的風險
• 全球：領先科技公司和付款管道採用模型情境協議
• 在人工智慧、支付和基礎設施領域建立策略夥伴關係。
• 全球：人工智慧、身分、支付和基礎設施生態系統中的策略夥伴關係
• 阿拉伯聯合大公國：國家人工智慧環境中的戰略夥伴關係、可擴展基礎設施和創新

第12章：全球未來展望與策略情景

• 全球轉型：從以人主導的商業模式轉向混合人工智慧商業模式
• 全球：基於代理的商業模式的長期策略風險和結構性影響

Global AI-Assisted Commerce and Autonomous Payment Infrastructure Expand as Agentic Systems Influence Digital Transaction Ecosystems

Key Highlights

• Globally, AI adoption among organizations using AI in at least one business function increased from over 50% in 2023 to more than 80% in 2025.
• In 2025, over 60% of global AI users relied on AI for product, brand, and price comparisons, highlighting expanding use of AI-assisted commerce environments.
• In the U.S., cybersecurity and data privacy remained the largest barriers to agentic AI adoption in 2025, cited by 35% and 30% of respondents respectively.

AI-Assisted Commerce Expands Beyond Discovery Toward Delegated Purchasing and Transaction Coordination

AI-assisted commerce systems increasingly expand beyond recommendation and search functions toward broader participation across purchasing coordination, subscription management, and transaction execution workflows. Conversational interfaces, AI shopping agents, and delegated purchasing environments are becoming more integrated into digital commerce ecosystems globally, while fully autonomous purchasing remains constrained by trust, governance, and authorization limitations.

Programmable Payment Infrastructure and Multi-Rail Coordination Continue Exp\anding

Payment ecosystems increasingly evolve beyond traditional transaction processing models toward delegated authorization, programmable payment execution, and interoperable transaction coordination systems. Commerce environments increasingly rely on orchestration layers, tokenized credentials, interoperable APIs, and machine-readable transaction infrastructure to support AI-assisted coordination across cards, wallets, RTP systems, and account-to-account payment rails.

Fraud Prevention, Governance, and Trust Infrastructure Gain Strategic Importance

As AI-assisted commerce expands, financial institutions and payment providers increasingly strengthen fraud detection, behavioral authentication, biometric verification, and adaptive risk-scoring systems across digital transaction environments. At the same time, regulators globally continue expanding governance frameworks surrounding AI-executed transactions, delegated authorization systems, and automated financial coordination environments.

Table of Contents

1. Key Takeaways

2. Management Summary

3. Global Executive Overview: From Digital Commerce to Agentic Commerce

• 3.1. Delegated and Autonomous Commerce Models
• Global: Evolution of AI-Assisted, Delegated, and Autonomous Transaction Models, May 2026
• Global: AI-Mediated Commerce, Delegated Purchasing, and Autonomous Transaction Execution, May 2026
• Global: Evolution from Assisted Discovery to Autonomous Purchasing Across the Commerce Journey, May 2026
• 3.2. Enterprise Adoption and Strategic Integration of Agentic AI
• Global: Organizations Using AI in at Least One Business Function, in % of Respondents, 2023 - 2025
• Global: Key Developments in Agentic and Generative AI across Banking Segments, May 2026
• U.S.: Current State of Agentic AI Technology Adoption Among Enterprises, in % of Respondents, Dec 2025
• U.S.: Share of Enterprises Rating Gen AI Tasks by Strategic Impact Level, in % of Resp., December 2025
• U.S.: Share of Enterprises by Level of Gen AI Task Autonomy, in % of Ent. Performing Each Task, Dec 2025
• U.S.: Share of Enterprises by Preferred Gen AI Platform Provider, in % of Respondents, December 2025
• U.S.: Enterprise Agreement with Select Statements on Gen AI Strategic and Risk Imp., in % of Resp., Dec 2025
• U.S.: AI Use in Finance by Function, Leadership Role, and Governance Priorities, May 2026
• U.S.: Leading Barriers to Agentic AI Adoption, in % of Respondents, 2025
• 3.3. Machine-Led Economic Coordination and Autonomous Systems
• Global: Autonomous Economic Agents and Machine-to-Machine Commerce Systems, May 2026
• Global: Shift from Payment Execution to Permission, Trust, and Programmable Transaction Logic, May 2026
• 3.4. AI Commerce Interfaces and Ecosystem Competition
• Global: Strategic Positioning Across AI Platforms, Payment Infrastructure, & Commerce Ecosystems, May 2026
• Global: AI Shopping Interfaces, Product Discovery Systems, & Commerce Integration Frameworks, May 2026
• Global: AI-Orchestrated Customer Interaction, Transaction Coordination, & Commerce Workflow, May 2026

4. Global Infrastructure Foundations for Autonomous Commerce

• 4.1. Real-Time Payments and Multi-Rail Transaction Infrastructure
• Global: Commercial Non-Cash Transaction Volume, in billions of Trans., and CAGR, 2018, 2021-2024f & 2028f
• Global: Real-Time Payments, Open APIs, Tokenization, and Interoperable Commerce Infrastructure, May 2026
• Global: Strategic Responses to A2A Payments and Multi-Rail Infrastructure Development, May 2026
• Global: Multi-Rail Payment, Orchestration Adoption, Infrastructure Positioning, and Revenue Models, May 2026
• 4.2. Wallet-Based and Tokenized Payment Ecosystems
• Global: Stablecoins, Tokenized Deposits, and Blockchain-Based Settlement in Payment Systems, May 2026
• U.S.: Digital Wallet Adoption Trends, May 2026
• Europe: AI Wallet Mergers, P2P Expansion, and Digital Euro Integration, May 2026
• China: Mobile Wallet Penetration, Digital Infrastructure, and Consumer Adoption, May 2026
• 4.3. Open Banking and Interoperable Commerce Infrastructure
• Global: Technology Foundations for Agentic Commerce, Protocols and Platform Integrations, May 2026
• Global: AI-Commerce Protocols and Interoperability Standards, May 2026
• Europe: AI in Open Banking for Risk Control, Value Services, and Infrastructure Efficiency, May 2026
• UK: Open Banking, API Ecosystems, and AI Payment Innovation, May 2026
• 4.4. Cloud Infrastructure and AI Compute Capacity
• Global: Cloud Infrastructure, AI Compute Scaling, and Commerce Processing Capacity Expansion, May 2026
• U.S.: AI Infrastructure Scaling and Investor Confidence, May 2026
• Europe: Cloud Dependency, Modular AI Architecture, and Strategic Investment Priorities, May 2026
• Africa: Digital Infrastructure, Data Center Expansion, and Governance Models for AI Deployment, May 2026
• 4.5. Merchant Infrastructure and AI-Compatible Commerce Execution
• Global: Merchant Readiness Across API Checkout and AI-Compatible Commerce Infrastructure, May 2026
• Global: Payment Processing Steps, System Dependencies, and Authorization Decision Layers, May 2026

5. Global AI Agents & Autonomous Commerce Systems

• 5.1. AI Shopping Agents and Delegated Purchasing Models
• Global: Autonomous Shopping Agents, Purchase Delegation, and AI-Assisted Commerce Workflows, May 2026
• Global: Conversational Commerce and AI-Assisted Purchase Journeys, May 2026
• Global: Agentic Commerce, Automated Payment Journeys, and Emerging Authentication Impli., May 2026
• U.S.: AI-Driven Shopping Capabilities, Virtual Card Integration, and Adoption Barriers in Payments, May 2026
• 5.2. Payment Routing and Automated Commerce Execution
• Global: Multi-Rail Payment Routing, Transaction Orchestration, and Automated Execution Infrastr., May 2026
• Global: Checkout Infrastr., Transaction Gateways, and Commerce Execution Layer Competition, May 2026
• Global: AI-Optimized Payments, Risk Management, and Customer Experience, May 2026
• 5.3. AI Automation in B2B Commerce and Procurement
• Global: Subscription Automation and Autonomous Recurring Commerce Models, May 2026
• Global: AI Procurement Agents and Autonomous Vendor Coordination Systems, May 2026
• Global: B2B Payments with Embedded Finance, APIs, AI, and Credit Tools, May 2026
• Asia: AI Applications in Credit Inclusion, Finance Automation, and Procurement Innovation, May 2026
• Asia: AI-Driven Cloud Banking, Investment Analytics, and Vertical B2B Financial Solutions, May 2026
• 5.4. Autonomous Commerce Applications Across Industry Sectors
• Global: Autonomous Commerce Use Cases Across Retail, Travel, and Digital Services, May 2026
• UAE: AI Integration Across Aviation, Retail, Financial Services, Logistics, and Telecommunications, May 2026

6. Global Payment Execution & AI Transaction Architecture

• 6.1. Delegated Payment Authorization and Spending Governance
• Global: Spending Thresholds, Approval Hierarchies, and Programmable Transaction Permissions, May 2026
• Global: Human Oversight, Consent Persistence, and Delegated Spending Governance, May 2026
• Global: Payments, Authorization and Agent-led Checkout, May 2026
• 6.2. AI Transaction Architecture and Digital Identity Infrastructure
• Global: AI Transaction Architecture Across Identity, Authorization, Payment, and Risk Infrastructure, May 2026
• Global: Agent Wallets, Persistent Credentials, and Portable Transaction Identity Infrastructure, May 2026
• Global: AI Use Cases in Tokenized Payments, Digital Identity & Agentic Commerce, May 2026
• APAC: AI-Powered Commerce Integration, Agent-Led Payments, & Payment Network Positioning, May 2026
• 6.3. Programmable, Tokenized, and Digital Payment Systems
• Global: Programmable Money Infrastructure Across Stablecoins, CBDCs, and Tokenized Payments, May 2026
• Europe: Digital Euro, MiCA Regulation, Innovation Framework, and AI-Driven Payments, May 2026
• APAC: AI Integration, Stablecoin Cards, Tokenised Transfers, and Micro-Merchant Access, May 2026
• 6.4. Cross-Border Payment Connectivity and Automated Transactions
• Global: Cross-Border RTP Connectivity, Interoperability, and Automated Payment Systems, May 2026
• China: Alipay and WeChat Pay Global Expansion and Cross-Border Usage Trends, May 2026
• Latin America: Cross-Border Payments and E-Commerce, May 2026
• Africa: Rising Remittances, Payment Inefficiencies, Stablecoins, and AI-Driven Financial Inclusion, May 2026

7. Global Identity, Trust & Authentication

• 7.1. Digital Identity Infrastructure and Trusted Verification Systems
• Global: Digital Identity Wallets, Verifiable Credentials, and Trusted Commerce Infrastructure, May 2026
• Europe: Authentication Integrat. into Payment Infrastructure Resilience & Cyber Risk Governance, May 2026
• 7.2. Behavioral Authentication and AI-Driven Fraud Prevention
• Global: Passive Verification, Behavioral Authentication, and Adaptive Transaction Trust Models, May 2026
• Europe: AI Fraud Prevention, Biometric Authentication, and Tokenized Checkout Solutions, May 2026
• Europe: Strong Customer Authentic., Fraud Reduction Effect, and Fraud Displacement Dynamics, May 2026
• Asia-Pacific: AI in Fraud Detection, Real-Time Payment Security, and Biometric Authentication, May 2026
• 7.3. Continuous Verification and Consumer Trust in Delegated Payments
• Global: Continuous Verification and Behavioral Signals as a Core Control Layer for Digital Fraud, May 2026
• Global: Consumer Trust, Authentication Friction, and Delegated Payment Acceptance, May 2026

8. Global Fraud, Abuse & Security Risks

• 8.1. AI-Driven Fraud and Financial Crime Risks
• Global: AI-Driven Fraud Escalation and Payment Fraud Values Despite Customer Authen., May 2026
• Global: AI-Enabled Phishing, Social Engineering Acceleration, & AI-Driven Fraud Det. in Payments, May 2026
• Global: Deepfake Fraud, Synthetic Identity Risks, and AI-Driven Financial Scam Activity, May 2026
• Middle East: GenAI in Fraud Detection, Risk, Customer Engagement, and Financial Automation, May 2026
• 8.2. Deepfakes, Synthetic Identity Fraud, and Verification Risks
• Global: Self-Reported Belief in Deepfake Identification Ability, in % of Respondents, 2024 - 2025
• Europe: Deepfakes, Synthetic Identities, and Onboarding Manipulation in AI-Driven Payments, May 2026
• APAC: Synthetic Identity Fraud, Deepfakes, Verification Gaps and Country Trends in FinTech, May 2026
• 8.3. AI-Based Risk Detection and Payment Security Controls
• Global: AI Transaction Accountability, Consumer Protection, and Delegated Payment Liability, May 2026
• Global: Real-Time Risk Scoring & Authorization-Stage Decisioning in Modern Payment Systems, May 2026
• Global: AI Applications in Payment Processing, Fraud Detection, and Operational Infrastructure, May 2026
• Global: AI in Transaction Monitoring, Identity Verification, and Payment Optimization, May 2026
• Asia: Cyber Defence, Identity Risk Management and Compliance Automation via AI, May 2026
• Middle East: AI-Powered Financial Threat Detection, TPRM Pilots, and Infrastructure Security, May 2026

9. Global Governance, Regulation & Legal Frameworks

• 9.1. Governance Frameworks for Autonomous Commerce and AI Transactions
• Global: Regulatory Challenges in AI-Executed Transactions and Autonomous Commerce, May 2026
• Global: AI Governance Challenges, Centralized Strategies, and Leadership Roles in Payment Firms, May 2026
• Europe: GPAI-Driven Consumer Risks from Accountability Gaps, Data Bias, and Manipulation, May 2026
• Europe: AI Act, Regulatory Sandboxes, Testing Environments, and Data Space Strategy, May 2026
• Latin America: Regulatory Gaps, Local Frameworks, Regional Coordination, and AI Governance, May 2026
• 9.2. AI Regulatory Sandboxes and Innovation Programs
• Asia: AI Sandboxes and Capacity-Building Programs in Four Economies, May 2026
• 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)
• Latin America & The Caribbean: Responsible AI Initiatives, Policy Challenges, Regulatory Needs, and Data Governance Gaps, May 2026
• 9.3. AI Oversight, Transparency, and Compliance Requirements
• Global: Explainable AI and Model Governance Requirements in Financial Crime Analytics, May 2026
• Europe: AI Transparency, Third-Party Oversight, ICT Risk, and Ethical Use Requirements, May 2026
• Europe: GPAI Explainability Limits, ICT Risks, and Talent Shortages in Banking Sector, May 2026
• Europe: AI Act Risk Model, E-Commerce Adoption, and Early Implementation via AI Pact, May 2026
• APAC: Financial Crime Regulation, Synthetic Identity Laundering, and AI Compliance Strategy, May 2026
• APAC: AI Strategy in Anti-Financial Crime, Predictive Capabilities, and Governance Priorities, May 2026
• MENA: AI Regulation in Finance via Ethics Principles, Data Laws, and Innovation Sandboxes, May 2026

10. Regional Ecosystem Development

• 10.1. North America
• U.S.: AI Platforms, Payment Infrastructure, and Transaction Layer Competition, May 2026
• Canada: Organizational Measures Supporting Safe, Secure, and Trustworthy AI, in % of Resp., Sep - Oct 2025
• 10.2. Europe
• Europe: Trusted Identity Infrastructure, Interoperable Wallets, and Digital Verification Systems, May 2026
• Europe: AI-Driven Payment Automation, Fraud Detection, and Core Infrastructure Upgrades, May 2026
• Europe: AI-Driven MCA Growth, PSP Consolidation, and Regulatory Alignment via PSD3, May 2026
• 10.3. APAC
• China: Super Apps, Digital Wallets, and Integrated Commerce Infrastructure, May 2026
• Southeast Asia: Mobile Wallet Infrastructure and Embedded AI Commerce, May 2026
• Japan & South Korea: Trusted Automation and High-Tech Consumer Infrastructure, May 2026
• 10.4. Middle East
• MENA: AI-Driven Personalization, Risk Management, and National Investment in Financial Services, May 2026
• MENA: AI-Driven Personalization, Risk, Fraud Detection, and Compliance in Financial Services, May 2026
• GCC: AI Infrastructure Investment, Digital Economy Systems, and Commerce Modernization, May 2026
• GCC: AI Strategies, Infrastructure Development, and Capability Gaps by Maturity Segment, May 2026
• Saudi Arabia: GenAI Readiness, Infrastructure Scale-Up, and Sector-Specific Application Rollout, May 2026
• UAE: Government-Led AI Commerce Infrastructure and Smart Economy Development, May 2026
• UAE: Centennial 2071 Vision, Interagency AI Execution, and Adaptive Digital Regulation, May 2026
• 10.5. Latin America
• Latin America: FinTech Expansion and Commerce Automation Readiness, May 2026
• Latin America: Importance of Accessible Payment Options for Online Purchases, in % of Consumers Surveyed, 2025
• Latin America: FinTech Concentration & AI Readiness Potential by Country, in % of Total Fintech Comp., 2024
• Latin America: Blockchain Tokenization, AI Monitoring, and Customer-Centric Banking Innovations, May 2026
• Latin America: Fraud Challenges, Costs, AI Detection Tools, and Partnerships in Digital Payments, May 2026
• Latin America: AI Bills with Principle-Based Rights, Risk Classification, and Compliance Obligations, May 2026
• Latin America: AI Proposals with Governance Councils, Regulatory Sandboxes, and SME Support, May 2026
• 10.6. Africa
• Africa: Mobile Payments, Financial Inclusion, and Digital Transaction Infrastructure, May 2026
• Africa: Role of Payment System Architecture, Interoperability Models, and Integration Pathways in Shaping Mobile Payment Expansion, May 2026
• Africa: Expansion of Real-Time Payment Rails and Embedded Payment Models Across Commerce and Platforms, May 2026
• Africa: Cyber, Operational, Liquidity, and Execution Risks Shaping the Sustainability of Payments Growth, May 2026
• SSA: Fintech Innovation, National AI Strategies, and Global Partnerships in AI Adoption, May 2026

11. Global Competitive Landscape & Strategic Positioning

• 11.1. Competition Across AI and Commerce Ecosystems
• Global: Structural Winners and Vulnerabilities Across Agentic Commerce Ecosystems, May 2026
• Global: Winners in AI Platforms and Infrast. vs. Risks for Marketplaces and SEO-Driven Retailers, May 2026
• Global: Adoption of Model Context Protocol by Major Tech and Payment Platforms, May 2026
• 11.2. Strategic Partnerships Across AI, Payments, and Infrastructure
• Global: Strategic Partnerships Across AI, Identity, Payments, and Infrastructure Ecosystems, May 2026
• UAE: Strategic Partnerships, Scalable Infrastructure, and Innovation in National AI Landscape, May 2026

12. Global Future Outlook & Strategic Scenarios

• Global: Transition from Human-Initiated to Hybrid AI Commerce Models, May 2026
• Global: Long-Term Strategic Risks and Structural Implications of Agentic Commerce, May 2026