全球數位商務基礎設施：2026 年

到 2026 年，世界數位商務基礎設施將繼續透過互通支付、數位身分、人工智慧和智慧商務而發展。

主要亮點

• 預計到 2028 年，全球非現金交易數量將達到近 2 兆美元，這表明數位支付基礎設施正在不斷擴展。
• 在全球範圍內，75% 的受訪消費者表示，到 2026 年，他們將在至少部分數位帳戶上啟用密碼，這表明無密碼身份驗證的普及率正在持續成長。
• 全球跨國 B2B 穩定幣結算預計將從 2026 年的 130 億美元成長到 2035 年的 5 兆美元。

可互通支付基礎設施的擴展仍在繼續。

支付基礎設施正透過即時支付、帳戶間轉帳、數位錢包、應用程式介面（API）和互通支付網路不斷發展演進。同時，跨境連接、ISO 20022標準的採用以及支付編配也在不斷提升交易效率，並促進全球支付生態系統的緊密互聯。

基於數位身分、數位貨幣和智慧基礎設施

數位身分、認證和可程式設計支付持續提升可信任數位商務。各國政府、金融機構和技術供應商正在擴展可互通的身份框架、數位憑證和令牌化支付基礎設施，以提高跨境交易的認證、合規性和效率。

人工智慧和管治將塑造數位商務的未來。

人工智慧在支付、詐欺預防、身份驗證和商務營運等領域持續擴展。同時，各組織機構正在加強管治、數位信任和網路安全，以支援安全、透明且日益自動化的數位商務生態系統。

本報告調查了全球數位商務基礎設施市場，總結了支付基礎設施、跨境支付、數位身分、包括穩定幣在內的數位貨幣、人工智慧驅動的支付和詐欺預防、人工智慧經營模式、基於代理的商務和自主交易系統等領域的趨勢、商業模式、採用情況和挑戰。

目錄

第1章要點

第2章 管理概要

第3章：全球支付市場的現況與演變

• 數位支付市場及普及現狀
• 全球：數位支付的普及、創新與消費者偏好
• 全球：數位行動支付和市場成長概覽
• 全球：非現金交易總額的趨勢與預測
• 全球：B2B 非現金交易總額的趨勢與預測。
• 全球：支付收入的趨勢與預測
• 全球：交易相關結算收入、預測及各地區複合年成長率
• 全球：按商業和消費交易構成比的支付收入明細。
• 全球：按商業/消費者和地區構成比的支付收入明細。
• 全球：按商業/消費者、地區和支付方式構成比支付收入。
• 全球：支付收入預測
• 全球：網路購物首選的支付方式
• 全球：支付構成比：新型支付方式與傳統支付方式
• 全球：按類型分類的接受付款方式的組織。
• 全球：按支付方式分類的交易量較去年同期變化
• 即時支付和下一代支付網路
• 全球即時支付交易量及成長率
• 全球：非現金交易中即時結算的百分比
• 全球：即時結算佔電子交易總額的1%。
• 全球：即時結算交易量及年成長率排名前五的市場
• 全球：即時支付普及率和年交易量成長率：按地區分類
• 全球：跨帳戶交易和總成長率
• 跨境支付與基礎建設的演變
• 全球：跨境支付基礎設施、中介機構與支付機制的多層結構
• 全球：跨境支付基礎設施、即時連接和網路現代化的演進
• 全球：加速跨境支付基礎設施現代化的結構性因素
• 全球：向即時互通跨境支付系統轉型
• 全球：銀行、支付服務提供者、金融科技公司和支付基礎設施提供者的競爭定位
• 全球：領先的跨境支付基礎設施提供者的服務能力
• 跨境支付網路層的全球競爭

第4章：全球支付經濟、經營模式與價值創造

• 支付經營模式和行業經濟
• 全球：A2A支付與替代支付方式對收入池的影響
• 全球：A2A支付貨幣化模式、收費系統、成本分配與附加價值服務
• 全球：即時支付經營模式、價值取得、收入層級與競爭優勢
• 全球：支付價值鏈的利潤池、發行、取得、處理和收入層。
• 全球：商業支付收入的區域構成比
• 全球：消費者支付收入的區域構成比
• 全球：卡片支付和A2A支付模式的收入結構和貨幣化機制
• 全球：A2A支付和多軌基礎設施發展
• 全球：多軌支付、編配實施、基礎設施定位與收入模式
• 全球：商家卡片付款與A2A交易的支付處理成本
• 全球：被認定為最容易受到A2A支付影響的卡片類型
• 全球：商家接受主要支付方式
• 跨境支付的經濟學與價值鏈
• 全球：批發和零售跨境支付的總市場規模和複合年成長率
• 全球：非批發跨境支付的總市場規模和複合年成長率
• 全球：B2C跨國支付市場規模及複合年成長率
• 全球：B2B跨境支付市場規模及複合年成長率
• 全球：C2B跨境支付市場規模及複合年成長率
• 全球：C2C跨國支付市場規模及複合年成長率
• 全球：跨境支付流及其按應用領域構成比。
• 全球：跨境支付收入及按應用領域構成比。
• 全球：透過應用程式取得跨境支付費率
• 全球：大型企業跨國B2B支付市場規模及複合年成長率
• 全球：中小企業跨國B2B支付市場規模及複合年成長率
• 全球：主要支付通道跨境支付的收費系統和交易摩擦。
• 全球：國際支付中的結算延遲、中介機構結構的複雜性以及流動性限制。
• 全球：影響主要支付走廊成本和效率的基礎設施因素

第5章：全球支付基礎設施、連結性和互通性

• 支付基礎設施現代化
• 全球：非現金B2B和B2C支付的交易量和複合年成長率
• 全球：按支付方式分類的非現金交易佔有率
• 全球：按支付方式分類的電子商務交易量佔有率
• 全球趨勢：代理銀行、基於即時支付模式的支付模式和跨境支付基礎設施
• 全球：RTP 系統擴展、交易量增加以及跨國連接的努力。
• 全球：跨境即時支付整合、支付系統互通性、基礎設施連接。
• 全球：ISO 20022 的實施與支付系統互通性的發展
• 全球：ISO 20022結算資料標準化與協調
• 全球：SWIFT 基礎設施現代化、向 ISO 20022 過渡以及交易資料標準化。
• 全球：基於API的金融基礎設施與嵌入式支付的整合
• 全球：銀行即服務和API生態系統在國際支付領域的擴展
• 全球：基於API的支付基礎設施供應商的策略擴張
• 全球：支付編配層和智慧路由基礎設施
• 全球：多軌支付、交易路由複雜性與支付方式碎片化
• 全球：數位錢包連線、多幣種支付和跨境支付整合。
• 互通性和跨境連接
• 全球：跨國A2A支付的限制及卡片組織的優勢
• 歐洲：零售交易中SEPA即時信用轉帳的使用模式
• 歐洲：零售交易中開放銀行與銀行間結算的發展
• 歐洲：EPI Wero支付系統的開發與部署
• 基礎設施引進和實施方面的挑戰
• 全球：UPI 和 PIX 的成功因素、政策需求、成本結構和基礎設施設計
• 全球：開放銀行支付普及的障礙：商家、消費者和監管限制
• 美國：即時支付與A2A支付普及面臨的結構性障礙

第6章：全球數位身分與信任基礎設施

• 身分基礎設施概述
• 全球：支持數位身分現代化的結構性因素
• 全球：數位生態系統中的身分、認證與信任
• 全球：ID生態系中的競爭定位
• 數位身分市場及應用現狀
• 全球：企業對數位身分解決方案的需求
• 全球：各產業企業對數位身分基礎設施的採用
• 全球：各產業對數位身分基礎設施投資的促進因素
• 全球：混合數位環境下的企業身分編配
• 全球：支持企業數位信任的身份管治框架
• 身分架構與信任框架
• 全球演進：身份模型與認證框架
• 全球身分架構模型：集中式、聯邦式和分散式
• 全球：數位身分基礎設施在商業、金融和政府領域的應用
• 全球：支援跨部門數位生態系統的數位信任框架
• 全球：身份可移植性、身份驗證可重複使用性和互通性
• 身份驗證和身份核實
• 全球：消費者對密碼的認知
• 全球：消費者對數位帳戶密碼的接受率
• 全球：已在部分帳戶上啟用密碼鎖的消費者百分比
• 全球：消費者對密碼的偏好與使用頻率
• 全球：雇主對通行密鑰的使用情況
• 全球：報告雇主密碼活動的員工百分比
• 全球：推動考慮或實施密碼鎖的關鍵因素
• 全球範圍內：員工使用的主要登入方式
• 全球：多因素身份驗證的趨勢、企業採用情況和監管要求
• 全球：數位服務中生物識別的採用
• 全球：跨企業數位生態系統的持續身分可靠性評估
• 全球：卡片付款生態系統中基於風險的身份驗證決策框架
• 數位憑證和身分錢包
• 世界：政府數位身分計畫和國家認同平台
• 全球：基於平台的身份生態系統，包括蘋果、谷歌和微軟
• 全球：行動駕駛證生態系統與數位身分錢包的整合
• 全球：支援身分驗證、支付和可重複使用憑證的數位身分錢包
• 全球：支援身分驗證憑證的核發、註冊和生命週期管理的數位支付身分驗證資訊。
• 全球：金融、旅遊、醫療保健和專業服務領域採用數位認證
• 用於支付和商業交易的身份驗證基礎設施
• 全球：在客戶註冊和帳戶開立過程中活用狀況數位身份
• 全球：數位支付交易中使用的身份驗證方法
• 全球：支援開放銀行和開放金融生態系統的數位身分基礎設施
• 全球：支援平台型金融服務的嵌入式金融基礎設施
• 全球：跨境支付合規流程中的數位身分驗證和認證
• 全球：跨國商業和數詞貿易的組織認同基礎設施
• 全球：KYB面向商家拓展與整個平台商務生態系統的基礎設施
• 全球：數位商務中的持續商家監控
• 全球：網路代幣化和基於身分的支付安全基礎設施
• 數位身分的商業價值和身分經濟學
• 全球：銀行、支付和金融服務業的客戶入職成本
• 全球範圍內：客戶可能會因忘記密碼而放棄購買或帳號登入。
• 全球範圍內：利用數位身分基礎設施最佳化合規成本
• 全球：從數位身分投資產生商業價值的因素（按行業細分）。

第7章：全球支付、流動性和數位貨幣基礎設施

• 金融、流動性和外匯基礎設施
• 全球：金融最佳化、流動性管理、國際結算業務
• 全球：外匯基礎設施、流動性管理和跨境支付效率
• 全球：金融現代化、多幣種流動性管理、外匯貨幣路由
• 支付歷史和支付效率
• 全球：1 小時和 1 個工作天內結算的批發跨境支付百分比。
• 全球：1小時內及1個工作天內結算的零售跨國支付百分比
• 全球：跨境零售支付服務的成本和處理速度資訊的可用性
• 代幣化支付和數位貨幣基礎設施
• 全球：傳統與基於穩定幣的跨國支付基礎設施
• 全球：穩定幣的推出、代幣化支付的發展、國際支付基礎設施。
• 全球：央行數位貨幣示範計畫、代幣化結算網、跨國支付示範
• 全球：mBridge計畫的跨境交易量
• 全球：原子支付模型、代幣化貨幣基礎設施、下一代支付
• 全球：代幣化跨國支付基礎設施的成本節約與複合年成長率

第8章：全球穩定幣和數位貨幣基礎設施

• 穩定幣市場概覽
• 穩定幣生態系統和市場發展
• 亞太地區：支持穩定幣支付和支付生態系統的企業基礎設施
• 穩定幣的經濟學和經營模式
• 穩定幣和支付基礎設施
• 穩定幣支付和支付應用程式
• 機構對穩定幣的接受度以及全球市場的發展
• 數位商務中的穩定幣
• 穩定幣和數位貨幣模型

第9章：全球人工智慧基礎設施與智慧支付系統

• 人工智慧在整個支付生態系統中的應用
• 智慧支付營運和自動化
• 人工智慧驅動的詐欺和新興威脅
• 人工智慧驅動的詐欺預防和安全

第10章：全球人工智慧商業與消費行為的轉變

• 消費者對人工智慧商務的接受度與信任度
• 人工智慧改變了產品發現、搜尋和流量。
• 數位商務的結構轉型

第11章：全球基於代理商的商業和自主交易系統

• 基於代理的商業模式的演變和企業應用
• 自主商業基礎設施與互通性
• 人工智慧代理與自主商務的應用

Global Digital Commerce Infrastructure Continues Evolving Through Interoperable Payments, Digital Identity, Artificial Intelligence, and Intelligent Commerce in 2026

Key Highlights

• Globally, non-cash transaction volume is forecast to reach nearly 2 trillion transactions by 2028, highlighting the continued expansion of digital payment infrastructure.
• Globally, 75% of surveyed consumers had enabled passkeys on at least some digital accounts by 2026, reflecting continued growth in passwordless authentication.
• Globally, cross-border B2B stablecoin payment value is forecast to increase from over USD 13 billion in 2026 to USD 5.0 trillion by 2035.

Interoperable Payment Infrastructure Continues Expanding

Payment infrastructure continues advancing through real-time payments, account-to-account transfers, digital wallets, APIs, and interoperable payment rails. At the same time, cross-border connectivity, ISO 20022 adoption, and payment orchestration continue improving transaction efficiency and supporting more connected global payment ecosystems.

Digital Identity, Digital Money, and Intelligent Infrastructure Become Foundational

Digital identity, authentication, and programmable settlement continue strengthening trusted digital commerce. Governments, financial institutions, and technology providers are expanding interoperable identity frameworks, digital credentials, and tokenized payment infrastructure to improve authentication, compliance, and cross-border transaction efficiency.

Artificial Intelligence and Governance Shape the Future of Digital Commerce

Artificial intelligence continues expanding across payments, fraud prevention, authentication, and commerce operations. Meanwhile, organizations continue strengthening governance, digital trust, and cybersecurity to support secure, transparent, and increasingly automated digital commerce ecosystems.

Table of Contents

1. Key Takeaways

2. Management Summary

3. Global Payments Landscape & Market Evolution

• 3.1. Digital Payments Market & Adoption
• Global: Digital Payments Adoption, Innovations and Consumer Preferences, June 2026 (Part 1 of 2)
• Global: Digital Payments Adoption, Innovations and Consumer Preferences, June 2026 (Part 2 of 2)
• Global: Digital Mobility Payments and Market Growth Overview, June 2026
• Global: Total Non-cash Transactions Volume, in volume trillions, 2018 & 2021-2024e & 2028f
• Global: Total B2B Non-cash Transactions Volume, in volume billions, 2018 & 2021-2024e & 2028f
• Global: Payments Revenue Value, in USD trillion, 2013, 2018, 2020- 2023, 2028f
• Global: Transaction-Related Payments Revenue, by Region, in USD billion, and Compound Annual Growth Rate, 2019, 2024 & 2029f
• Global: Payments Revenue by Type, Commercial & Consumer in %, 2023
• Global: Payments Revenue by Type, Commercial & Consumer in %, by Region, 2023
• Global: Payments Revenue by Type, Commercial & Consumer in %, by Region, by Payment Type, 2023
• Global: Payments Revenue by Type, Commercial & Consumer in %, 2024
• Global: Payments Revenue by Type, Commercial & Consumer in %, by Region, 2024
• Global: Payments Revenue by Type, Commercial & Consumer in %, by Region, by Payment Type, 2024
• Global: Payment Revenue Value, in USD trillion, 2027f
• Global: Online Payment Methods Preferred by Shoppers, in % of Respondents, 2024
• Global: Payment Mix: New Payments vs Traditional Payments, In % of transaction volume, 2023 & 2028f
• Global: Organizations Accepting Payment Methods, by Type, in %, 2022 & 2024
• Global: Payment Type Transactions, by Quarter, in % Year-Over-Year Change, Q4 2022 - Q3 2023
• 3.2. Real-Time Payments & Next-Generation Payment Rails
• Global: Real-Time Payment Transactions, in billions of Transactions, and Growth Rates, 2022-2023 & 2028f
• Global: Instant Payments as Share of Non-Cash Transaction Volume, in %, 2023 & 2028f
• Global: Share of Real-Time Payments in Total Electronic Transactions, in %, 2023 & 2028f
• Global: Top Five Real-Time Payment Markets by Transaction Volume and Year-on-Year Growth, in billions of Transactions and %, 2023
• Global: Instant Payment Penetration and Year-on-Year Volume Growth by Region, in %, 2024
• Global: A2A Transaction Volume, in billions, and Total Growth, 2024 & 2029f
• 3.3. Cross-Border Payments & Infrastructure Evolution
• Global: Cross-Border Payment Infrastructure Layers, Intermediaries, and Settlement Mechanisms, June 2026
• Global: Evolution of Cross-Border Payment Infr., Real-Time Connectivity, and Network Modernizat., June 2026
• Global: Structural Drivers Accelerating Cross-Border Payment Infrastructure Modernization, June 2026
• Global: Transition Toward Real-Time Interoperable Cross-Border Payment Systems, June 2026
• Global: Competitive Positioning Across Banks, PSPs, FinTechs, and Payment Infrastr. Providers, June 2026
• Global: Service Capabilities Across Major Cross-Border Payment Infrastructure Providers, June 2026
• Global: Competition Across Cross-Border Payment Networks Layer, June 2026

4. Global Payment Economics, Business Models & Value Creation

• 4.1. Payment Business Models & Industry Economics
• Global: Impact of A2A Payments and Alternative Rails on Revenue Pools, April 2026
• Global: A2A Payment Monet. Models, Fee Structures, Cost Allocation and Value-Added Services, April 2026
• Global: Real-Time Paym. Business Models, Value Capture, Revenue Layers and Comp. Positioning, Apr 2026
• Global: Payment Value Chain Profit Pools, Issuing, Acquiring, Processing, and Revenue Layers, April 2026
• Global: Commercial Payment Revenue Distribution by Region, in % of Total Payment Revenues, 2024
• Global: Consumer Payment Revenue Distribution by Region, in % of Total Payment Revenues, 2024
• Global: Revenue Structure and Monetization Mechanisms Across Card and A2A Payment Models, April 2026
• Global: A2A Payments and Multi-Rail Infrastructure Development, April 2026
• Global: Multi-Rail Payment, Orchestration Adoption, Infrastructure Positioning, and Revenue Models, Apr 2026
• Global: Merchant Payment Acceptance Costs for Card-Based and A2A Transactions, April 2026
• Global: Card Type Identified as Most Likely to Be Impacted by A2A Payments, in % of Paym. Executives, 2025
• Global: Merchant Acceptance of Selected Payment Methods, in % of Respondents, 2023 & 2025e
• 4.2. Cross-Border Payment Economics & Value Chains
• Global: TAM of Wholesale and Retail Cross-Border Payments, in USD tn. and CAGR, 2024 & 2032f
• Global: TAM of Non-Wholesale Cross-Border Payments, in USD tn. and CAGR, 2024 & 2032f
• Global: B2C Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: B2B Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: C2B Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: C2C Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: Cross-Border Payment Flows by Use Case, in USD trillions and % of Total Share, 2025
• Global: Cross-Border Payment Revenues by Use Case, in USD billions and % of Total Share, 2025
• Global: Cross-Border Payment Take Rates by Use Case, in % of Cross-Border Payment Flow Value, 2025
• Global: Large Enterprise Cross-Border B2B Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: SMB Cross-Border B2B Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: Cross-Border Payment Fee Structures and Transaction Friction Across Major Corridors, June 2026
• Global: Settlement Delays, Intermediary Complexity, and Liquidity Constraints in Intern. Payments, June 2026
• Global: Infrastructure Factors Influencing Cost and Efficiency Across Major Payment Corridors, June 2026

5. Global Payment Infrastructure, Connectivity & Interoperability

• 5.1. Payment Infrastructure Modernization
• Global: Volume of Non-Cash B2B and B2C Payments, in billions and CAGR, 2007, 2014, 2023-2025f, 2029f
• Global: Share of Non-Cash Transaction Volume by Payment Instrument, in %, 2023 - 2024e & 2029f
• Global: Share of E-Commerce Transaction Value by Payment Method, in %, 2024 & 2030f
• Global: Correspondent Banking, RTP-Based Payment Models, and Cross-Border Infrastr. Trends, June 2026
• Global: RTP System Expansion, Transaction Growth, and Cross-Border Connectivity Initiatives, June 2026
• Global: Cross-Border RTP Linkages, Payment-System Interoperability, and Infrastr. Connectivity, June 2026
• Global: ISO 20022 Adoption and Interoperability Development Across Payment Systems, June 2026
• Global: ISO 20022 Standardization and Payment Data Harmonization, June 2026
• Global: SWIFT Infrastr. Modernization, ISO 20022 Migration, and Transaction Data Standardization, June 2026
• Global: API-Based Financial Infrastructure and Embedded Payment Integration, June 2026
• Global: Banking-as-a-Service and API Ecosystem Expansion in International Payments, June 2026
• Global: Strategic Expansion of API-Based Payment Infrastructure Providers, June 2026
• Global: Payment Orchestration Layers and Intelligent Routing Infrastructure, June 2026
• Global: Multi-Rail Payment, Transaction Routing Complexity, and Payment Method Fragmentation, June 2026
• Global: Digital Wallet Connectivity, Multi-Currency Payment, and Cross-Border Payment Integration, June 2026
• 5.2. Interoperability & Cross-Border Connectivity
• Global: Cross-Border A2A Payment Limitations and Card Network Dominance, April 2026
• Europe: SEPA Instant Credit Transfer Usage Patterns Across Retail Transactions, May 2026
• Europe: Open Banking and Account-to-Account Payment Development Across Retail Transactions, May 2026
• Europe: Development and Rollout of EPI's Wero Payment System, May 2026
• 5.3. Infrastructure Adoption & Implementation Challenges
• Global: Success Factors Behind UPI and Pix, Policy Mandates, Cost Structures, and Infrastr. Design, Apr 2026
• Global: Open Banking Payment Adoption Barriers, Merchant, Consumer, and Regulatory Constraints, Apr 2026
• U.S.: Structural Barriers to Real-Time and A2A Payment Adoption, April 2026

6. Global Digital Identity & Trust Infrastructure

• 6.1. Identity Infrastructure Overview
• Global: Structural Drivers Supporting Digital Identity Modernization, July 2026
• Global: Identity, Authentication, and Trust Across Digital Ecosystems, July 2026
• Global: Competitive Positioning Across Identity Ecosystems, July 2026
• 6.2. Digital Identity Market & Adoption
• Global: Enterprise Demand Across Digital Identity Solution Categories, July 2026
• Global: Enterprise Adoption of Digital Identity Infrastructure Across Industry Sectors, July 2026
• Global: Sector-Level Investment Drivers for Digital Identity Infrastructure, July 2026
• Global: Enterprise Identity Orchestration Across Hybrid Digital Environments, July 2026
• Global: Identity Governance Frameworks Supporting Enterprise Digital Trust, July 2026
• 6.3. Identity Architecture & Trust Frameworks
• Global: Evolution of Identity Models and Authentication Frameworks, July 2026
• Global: Centralized, Federated, and Decentralized Identity Architecture Models, July 2026
• Global: Applications of Digital Identity Infrastructure Across Commerce, Finance, and Government, July 2026
• Global: Digital Trust Frameworks Supporting Cross-Sector Digital Ecosystems, July 2026
• Global: Identity Portability, Credential Reusability, and Interoperability, July 2026
• 6.4. Authentication & Identity Verification
• Global: Awareness of Passkeys Among Consumers, in % of Respondents, April 2026
• Global: Consumer Adoption of Passkeys Across Digital Accounts, in % of Respondents, April 2026
• Global: Consumers Who Enabled Passkeys on at Least Some Accounts, in % of Respondents, April 2026
• Global: Consumer Preference and Usage Frequency of Passkeys, in % of Respondents, April 2026
• Global: Passkey Activity at Employers, in % of Employed Respondents, April 2026
• Global: Employees Reporting Passkey Activity at Their Employer, in % of Employed Respondents, April 2026
• Global: Leading Drivers for Considering or Implementing Passkeys, in % of Organizations With Active Passkey Consideration or Adoption, April 2026
• Global: Primary Workforce Sign-In Method Used by Employees, in % of Organizations, April 2026
• Global: Developments in Multi-Factor Authentication, Enterprise Adoption, and Regulatory Requir., July 2026
• Global: Biometric Authentication Adoption Across Digital Services, July 2026
• Global: Continuous Identity Trust Assessment Across Enterprise Digital Ecosystems, July 2026
• Global: Risk-Based Authentication Decision Frameworks Across Digital Card Payment Ecosystems, July 2026
• 6.5. Digital Credentials & Identity Wallets
• Global: Government Digital Identity Programs and National Identity Platforms, July 2026
• Global: Platform-Based Identity Ecosystems Including Apple, Google, and Microsoft, July 2026
• Global: Mobile Driver's License Ecosystem And Digital Identity Wallet Integration, July 2026
• Global: Digital Identity Wallets Supporting Authentication, Payments, And Reusable Credentials, July 2026
• Global: Digital Payment Credentials Supporting Credential Provisioning and Lifecycle Management, July 2026
• Global: Digital Credential Adoption Across Financial, Travel, Healthcare, And Professional Services, July 2026
• 6.6. Identity Infrastructure for Payments & Commerce
• Global: Digital Identity Applications Across Customer Onboarding and Account Opening Processes, July 2026
• Global: Authentication Methods Used in Digital Payment Transaction, July 2026
• Global: Digital Identity Infrastructure Supporting Open Banking and Open Finance Ecosystems, July 2026
• Global: Embedded Finance Infrastructure Supporting Platform-Based Financial Services, July 2026
• Global: Digital Identity Verification and Authent. in Cross-Border Payment Compliance Processes, July 2026
• Global: Organizational Identity Infrastructure for Cross-Border Business and Digital Trade, July 2026
• Global: KYB Infrastructure Across Merchant Acquiring and Platform Commerce Ecosystems, July 2026
• Global: Continuous Merchant Monitoring Across Digital Commerce, July 2026
• Global: Network Tokenization and Identity-Based Payment Security Infrastructure, July 2026
• 6.7. Digital Identity Business Value & Identity Economics
• Global: Cost of Customer Onboarding Across Banking, Payments, and Financial Services, July 2026
• Global: Likelihood of Abandoning a Purchase or Account Sign-In Due to a Forgotten Password, in % of Cons., April 2026
• Global: Compliance Cost Optimization Through Digital Identity Infrastructure, July 2026
• Global: Business Value Drivers of Digital Identity Investments Across Industries, July 2026

7. Global Settlement, Liquidity & Digital Money Infrastructure

• 7.1. Treasury, Liquidity & Foreign Exchange Infrastructure
• Global: Treasury Optimization, Liquidity Management, and International Payment Operations, June 2026
• Global: Foreign Exchange Infrastr., Liquidity Management, and Cross-Border Payment Efficiency, June 2026
• Global: Treasury Modernization, Multi-Currency Liquidity Management, and Automated FX Routing, June 2026
• 7.2. Settlement Performance & Payment Efficiency
• Global: Wholesale Cross-Border Payments Credited Within One Hour and One Busin. Day, in %, 2023 - 2025
• Global: Retail Cross-Border Payments Credited Within One Hour and One Business Day, in %, 2023 - 2025
• Global: Availability of Cost and Speed Inform. Across Retail Cross-Border Payment Services, in %, 2023 - 2025
• 7.3. Tokenized Settlement & Digital Money Infrastructure
• Global: Traditional and Stablecoin-Based Cross-Border Settlement Infrastructure, June 2026
• Global: Stablecoin Adoption, Tokenized Settlement Development, and International Payment Infr., June 2026
• Global: CBDC Pilot Programs, Tokenized Settlement Networks, and Cross-Border Payment Exper., June 2026
• Global: Project mBridge Cross-Border Transactions Values, in USD billions, 2022 & 2025
• Global: Atomic Settlement Models, Tokenized Money Infrastructure, and Next-Generation Payment, June 2026
• Global: Tokenized Cross-Border Payment Infrastructure Cost Savings, in USD bil. and CAGR, 2026e - 2030e

8. Global Stablecoins & Digital Money Infrastructure

• 8.1. Stablecoin Market Overview
• Global: Evolution of Stablecoins from Digital Assets to Payment and Settlement Infrastructure, June 2026
• Global: Stablecoin Ecosystem Overview, July 2026
• Global: Key Drivers of Stablecoin Adoption, July 2026
• Global: Stablecoins Within the Broader Digital Money Landscape, June 2026
• 8.2. Stablecoin Ecosystem & Market Development
• Global: Stablecoin Market Capitalization and Leading Stablecoins, July 2026
• Global: Stablecoin Market Size and Estimated Growth Scenarios, in USD billions, 2020 - 2025 & 2030f
• Global: Stablecoin Transaction Activity by Volume Category, in USD trillion, 2025
• Global: Distribution of Stablecoin Market Share Between Tether & Circle, and Other Issuers, in %, 2026
• Global: Stablecoin Types and Reserve Structures, July 2026
• Global: Issuers, Custodians, Wallet Providers, Payment Processors, and Liquidity Providers, July 2026
• Global: Stablecoin Payment Functional Architecture, June 2026
• Global: Settlement and Orchestration Infrastructure Supporting Stablecoin Transactions, June 2026
• Asia-Pacific: Enterprise Infrastructure Supporting Stablecoin Payment and Settlement Ecosystems, July 2026
• 8.3. Stablecoin Economics & Business Models
• Global: Revenue Models of Stablecoin Issuers, July 2026
• Global: Stablecoin Reserve Management and Issuer Economics, June 2026
• Global: Cost Structures Compared to Traditional Payment Infrastructure, July 2026
• Global: Factors Supporting Stablecoin Business Model Sustainability, July 2026
• 8.4. Stablecoin & Payment Infrastructure
• Global: ACH Networks and Stablecoin Payment Infrastructure, July 2026
• Global: Stablecoins and Real-Time Payment Systems, July 2026
• Global: Stablecoins and SEPA Instant Payment Networks, July 2026
• Global: Stablecoins & Traditional Payment Infrast. Compared Across Operational Characteristics, June 2026
• 8.5. Stablecoin Payment & Settlement Applications
• Global: Annualized Stablecoin Payment Volumes by Payment Category, in USD billion, 2025
• Global: Stablecoin Payment Penetration by Payment Segment, in %, 2025
• Global: Share of Annualized Stablecoin Payment Volume by Transaction Category, in %, 2025
• Global: Cross-Border B2B Stablecoin Transaction Value, in USD billions, 2026 & 2035f
• Global: Stablecoin Payroll and Remittance Payments, in USD trillion, 2025
• Global: Origin of Annualized Stablecoin Payment Volumes by Region, in USD billion, 2025
• U.S.: Share of Merchants Accepting Cryptocurrency Payments, in %, 2026
• U.S.: Share of Merchants Accepting Cryptocurrency Payments by Company Size, in %, 2026
• U.S.: Reported Benefits of Accepting Cryptocurrency Payments Among Merchants, in %, 2026
• U.S.: Projected Stablecoin-Enabled Retail Payment Volumes, in USD billion, 2026f - 2030f
• 8.6. Stablecoin Institutional Adoption & Global Market Development
• Global: Banks and Financial Institutions Expanding Stablecoin Infrastructure, June 2026
• Global: Payment Providers and PSP Stablecoin Initiatives, June 2026
• Global: Stablecoin Infrastructure Partnerships Across Payment Ecosystems, June 2026
• Global: Stablecoin Adoption Across Commerce and Financial Services, June 2026
• Global: Stablecoin Treasury Capabilities Supporting International Business Operations, June 2026
• Global: Stablecoin Integration Across Commercial Payment Infrastructure, June 2026
• Global: Cross-Border Settlement Deployments and Operational Implementations, June 2026
• Global: Top Stablecoin Use Cases of Interest Over the Next Five Years, in % of Surveyed Organizations, 2025
• Asia-Pacific: Stablecoin Strategies for Cross-Border Payment Infrastructure, July 2026
• Asia-Pacific: Digital Money Strategies in South Korea and India, July 2026
• Singapore: Institutional Stablecoin Infrastructure and Tokenized Finance, July 2026
• Middle East: Institutional Stablecoin Payment Infrastructure Development, July 2026
• Middle East: Institutional Digital Financial Infrastructure and Tokenization, July 2026
• Latin America: Stablecoin Adoption Across Cross-Border Payments and Treasury Operations, July 2026
• Africa: Stablecoin Adoption Drivers Across Cross-Border Payment Markets, July 2026
• Africa: Financial Institutions & Payment Infrastructure Supporting Stablecoin Payments & Settlement, July 2026
• 8.7. Stablecoin in Digital Commerce
• Global: Merchant Acceptance and Commerce Enablement, July 2026
• Global: Merchant Economics of Stablecoin Payments, July 2026
• Global: Stablecoins Supporting Cross-Border E-Commerce, July 2026
• Global: Digital Commerce Platforms Expanding Stablecoin Payment Capabilities, July 2026
• 8.8. Stablecoins & Digital Money Models
• Global: Stablecoins, Tokenized Deposits, and Blockchain-Based Settlement Models, June 2026
• Global: Commercial Bank Money Tokens and Deposit Token Initiatives, June 2026
• Global: Stablecoins Compared with Central Bank Digital Currencies, June 2026
• Global: Programmable Money Infrast. Across Stablecoins, CBDCs, and Tokenized Money Systems, June 2026

9. Global AI Infrastructure & Intelligent Payment Systems

• 9.1. AI Across Payment Ecosystems
• Global: Overview of AI Use in Payments, June 2026 (1 of 3)
• Global: Overview of AI Use in Payments, June 2026 (2 of 3)
• Global: Overview of AI Use in Payments, June 2026 (3 of 3)
• Global: Overview of AI and Machine Learning in Payments, June 2026 (1 of 2)
• Global: Overview of AI and Machine Learning in Payments, June 2026 (2 of 2)
• Global: AI-Driven Fraud Prevention and Risk Management in Financial Services, June 2026
• Global: AI-Optimized Payments, Risk Management, and Customer Experience, June 2026
• Global: AI Collaboration and Future Innovations in Payments, June 2026
• Global: AI and Crypto Applications Tackle Cart Abandonment and Digital Checkout Friction, June 2026
• Global: Challenges And Risks of AI Use in the B2C E-Commerce And Online Payments Industry, June 2026
• Global: Use Cases of AI and Machine Learning in Payments, in % of Payment Professionals, 2023e
• Global: Top Challenges With Applying Generative AI in Banking, in % of C-Suite Executives, October 2023
• Global: Value of AI in Payments, in USD billion, 2023 & 2031f
• Global: Long-Term Implications for Cross-Border Transaction Infrastructure, June 2026
• 9.2. Intelligent Payment Operations & Automation
• Global: AI-Driven Transaction Routing and Intelligent Payment Optimization Systems, June 2026
• Global: AI in Treasury Operations, Liquidity Forecasting, and FX Management, June 2026
• Global: AI-Powered Fraud Detection and Transaction Monitoring in Cross-Border Payments, June 2026
• Global: Operational Automation Across International Payment Compliance Systems, June 2026
• Global: ML Infrastructure, Real-Time Risk Scoring, Sanctions Monit., and Financial Crime Detection, June 2026
• Global: Adoption of Innovative Payment Technologies by Banks & PayTechs, in % of Exec. Reporting Technologies Already Deployed, 2025
• Global: Prioritization of Payment Industry Initiatives by Banks & PayTechs, in % of Executives Surveyed, 2025
• Global: Merchant Expectations Versus Banks' Reported Capability Levels Across Payment Infrastructure Services, in % of Respondents, 2025
• 9.3. AI-Driven Fraud & Emerging Threats
• Global: AI-Enabled Phishing, Social Engineering Acceleration, and AI-Driven Fraud Det. in Payments, March 2026
• Global: Performance and Efficiency Comparison of AI-Enabled and Traditional Crypto Scams, March 2026
• Global: Share of AI-Enabled Crypto Scams Concentrated in High-Value / High-Volume Activity, in % of Scams, 2025
• Global: Impact of Service-Based Scam Supply Chains on Fraud Scalability, Transaction Effectiveness, and Operational Intensity, March 2026
• Global: Evolution of Fraud Techniques, Detection Processes, and AI-Enabled Risk Management Practices, March 2026
• Global: Share of Consumers Who Are "Very Confident" in Identifying AI-Generated Threats or Scams, in % of Respondents, 2025
• Global: Adoption of Generative AI in Fraud Prevention by Banks, in % of Respondents, March - April 2025
• Global: Perceived Use of Generative AI in Voice-Cloning Fraud, in % of Respondents, March- April 2025
• Global: Expected Impact of AI-Driven Behavioral Analytics on Fraud Prevention, in % of Resp., March - April 2025
• 9.4. AI-Driven Fraud Prevention & Security
• Global: Adoption and Primary Use Cases of AI-Enabled Tools for Cybersecurity, in % of Resp., August - October 2025
• Global: Behavioral AI Adoption and Enterprise Deployment Challenges in Fraud Detection Sys., March 2026
• Global: Top Use Cases of AI in Fraud and Financial Crime Prevention by Financial Institutions, in % of Resp., March - April 2025
• Global: Duration of AI Use in Fraud Prevention by Financial Institutions, in % of Resp., March - April 2025
• Global: Adop. of AI for Fraud and Financial Crime Prevention by Financial Institutions, in % of Resp., March - April 2025
• Global: Leading Challenges in AI Deployment for Fraud and Financial Crime Prevention, in % of Resp., March - April 2025
• Global: Reported Impact of AI Adoption on False Positives in Fraud and Financial Crime Prevention, in % of Resp., March - April 2025
• Global: Reported Impact of AI Adoption on Fraud Loss Reduction, in % of Respondents, March - April 2025
• Global: Criminal Use of Generative AI in Fraud and Scam Activities, in % of Respondents, March - April 2025
• Global: Fraud Prevention Technologies, in % of Business Leaders Ranking Each Among the Top Three Most Effective, May - June 2025
• Global: Key Barriers to AI Implementation in Cybersecurity, in % of Respondents, August - October 2025
• Global: Organizations with a Process to Assess the Security of AI Tools Before Deployment, in % of Resp., 2025 - 2026
• Global: AI Security Reviews Before Deployment, by Organizational Resilience Level, in % of Resp., August - October 2025
• Global: Share of Consumers More Trusting of AI-Based Security Than Human-Monitored Security by Generation, in % of Respondents, 2025

10. Global AI Commerce & Consumer Transformation

• 10.1. Consumer Adoption & Trust in AI Commerce
• Global: Consumer Openness to Generative AI in Shopping, in % of Consumers, 2024
• Global: Consumer Interest in AI E-Commerce Features, in % of Respondents, 2025
• Global: AI Usage by Consumer Shopping Category, in % of Respondents, February 2026
• Global: AI Usage Across the Shopping Journey by Task, in % of Respondents, February 2026
• Global: Role of AI in Initial Product Discovery and Decision-Making, April 2026
• Global: Impact of AI on Brand Influence and Purchase Decision Criteria in Retail, April 2026
• Global: Key Consumer Concerns About Agentic AI in Commerce, in % of Respondents, Aug 2025
• U.S.: Consumer Trust in AI Sources for Executing the Entire Shopping Experience, in % of Resp., Sep 2025
• Europe: Gen AI Usage in the Awareness Stage of the Shopping Journey, in % of Respondents, December 2025
• Europe: Gen AI Usage in the Consideration and Purchase Stage of the Shop. Journey, in % of Resp., Dec 2025
• Europe: Gen AI Usage in the Postpurchase Stage of the Shopping Journey, in % of Resp., December 2025
• Europe: Consumer High Comfort with AI Tool Autonomy During the Shopping Journey, in % of Resp., Dec 2025
• Europe: Consumer Low Comfort with AI Tool Autonomy During the Shopping Journey, in % of Resp., Dec 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
• 10.2. AI Discovery, Search & Traffic Transformation
• U.S.: YoY Change in Organic Search and Gen AI Retail Traffic, in %, 2024-2025
• US & Canada: Year-Over-Year Growth in E-Commerce Traffic by Source, in %, January - December 2025
• Europe: Share of AI-Driven Search Visits in Total Organic Traffic, in %, Early 2024 - End of 2026
• Europe: Share of LLM Referral Traffic in Total Website Traffic, in %, Late 2025 - Late 2026
• Europe: Year-Over-Year Growth in LLM Referral Traffic by Retail Sector, in %, Sep 2024 - Sep 2025
• Europe: Year-over-Year Growth in Traffic by Source in the Fashion and Sport, in %, Sep 2024 - Sep 2025
• Europe: Year-over-Year Growth in Traffic by Source in the Luxury, in %, Sep 2024 - Sep 2025
• Europe: Year-over-Year Growth in Traffic by Source in the Specialty Retail, in %, Sep 2024 - Sep 2025
• Europe: Year-over-Year Growth in Traffic by Source in the Marketpl. (Exc. Amazon), in %, Sep 2024 - Sep 2025
• Europe: Year-over-Year Growth in Traffic by Source in the Marketpl. (inc. Amazon), in %, Sep 2024 - Sep 2025
• Europe: YoY Growth in Traffic by Source in Direct-to-Cust. and Brand-Owned Web., in %, Sep 2024 - Sep 2025
• Europe: Year-over-Year Growth in Traffic by Source in the Omnichannel Retail, in %, Sep 2024 - Sep 2025
• Europe: Year-over-Year Growth in Traffic by Source in the Mass Retail, in %, Sep 2024 - Sep 2025
• U.S.: ChatGPT Retail Referrals by Volume and Share, in Mill. Visits and % of Total Refer., Oct 2024 - Oct 2025
• UK: ChatGPT Retail Referrals by Volume and Share, in Mill. Visits and % of Total Refer., Oct 2024 - Oct 2025
• Germany: ChatGPT Retail Refer. by Volume and Share, in Mill. Visits and % of Total Refer., Oct 2024 - Oct 2025
• France: ChatGPT Retail Referrals by Volume and Share, in Mill. Visits and % of Total Refer., Oct 2024 - Oct 2025
• 10.3. Structural Transformation of Digital Commerce
• Global: AI/LLM-Driven Disruption Risk in Retail and E-Comm. Consumer Journeys, in Score, June - Sep 2025
• Global: AI Shopping Agents, Product Discovery Behavior and Purchase Delegation Trends, March 2026
• Global: Structural Changes in the Consumer Shopping Journey with AI Integration, April 2026
• Global: E-Commerce Platform Dynamics, Traffic Ownership and Merchant Visibility, March 2026
• Global: Retailer Strategic Approaches to AI Integration in Commerce, April 2026
• Global: Winners in AI Platforms and Infrast. vs. Risks for Marketplaces and SEO-Driven Retailers, April 2026
• Europe: Consumer Use of AI in Shopping Journeys, Trust and Delegation, March 2026
• Europe: Consumer Trust in AI-led Shopping Actions and Delegation Boundaries, March 2026

11. Global Agentic Commerce & Autonomous Transaction Systems

• 11.1. Agentic Commerce Evolution & Enterprise Adoption
• 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
• 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
• 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
• 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
• 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
• 11.2. Autonomous Commerce Infrastructure & Interoperability
• Global: Real-Time Payments, Open APIs, Tokenization, and Interoperable Commerce Infrastructure, May 2026
• Global: Technology Foundations for Agentic Commerce, Protocols and Platform Integrations, May 2026
• Global: AI-Commerce Protocols and Interoperability Standards, May 2026
• Global: Cloud Infrastructure, AI Compute Scaling, and Commerce Processing Capacity Expansion, May 2026
• 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
• U.S.: Digital Wallet Adoption Trends, May 2026
• U.S.: AI Infrastructure Scaling and Investor Confidence, May 2026
• Europe: AI Wallet Mergers, P2P Expansion, and Digital Euro Integration, May 2026
• Europe: AI in Open Banking for Risk Control, Value Services, and Infrastructure Efficiency, May 2026
• Europe: Cloud Dependency, Modular AI Architecture, and Strategic Investment Priorities, May 2026
• UK: Open Banking, API Ecosystems, and AI Payment Innovation, May 2026
• China: Mobile Wallet Penetration, Digital Infrastructure, and Consumer Adoption, May 2026
• Africa: Digital Infrastructure, Data Center Expansion, and Governance Models for AI Deployment, May 2026
• 11.3. AI Agents & Autonomous Commerce Applications
• 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
• 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: Subscription Automation and Autonomous Recurring Commerce Models, May 2026
• Global: AI Procurement Agents and Autonomous Vendor Coordination Systems, May 2026
• Glo