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

Table of Contents

1. Key Takeaways

2. Management Summary

3. Europe: B2C E-Commerce Overview

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

4. Europe: Digital Payments Ecosystem

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

5. Europe: AI & Automation in Commerce

• 5.1. Europe-Wide & Regional AI Adoption, and Applications
  • North. & West. Europe: Adoption of AI by Country, in % of Res. Report. Regular Use, Nov 2024 - Jan 2025
  • South. & East. Europe: Adoption of AI by Country, in % of Resp. Report. Regular Use, Nov 2024 - Jan 2025
  • Europe: AI Technology Adoption by Country, in % of Enterprises with 10 or More Employees, 2023 & 2024
  • Europe: AI Application Types, in % of Enterprises with 10 or More Employees, 2023 & 2024
  • Europe: Employee Usage of AI Tool by Country, in % of Resp. Using AI Several Times Weekly, June 2025
  • Europe: Lag in Generative AI Adoption, IT Investment Deficit, and Infrastructure Limitations, July 2025
  • Europe: AI Reskilling Targets, Talent Retention Issues, and Compliance Barriers, July 2025
  • Europe: LVMH's AI Integration Across Design, E-Commerce, Engagement, and Operations, July 2025
  • Europe: AI Use in LVMH's E-Commerce Search, Loyalty Programs, and Sales Tools, July 2025
  • Europe: AI-Driven Payment Automation, Fraud Detection, and Core Infrastructure Upgrades, July 2025
  • Europe: AI in Open Banking for Risk Control, Value Services, and Infrastructure Efficiency, July 2025
  • Europe: AI Wallet Mergers, P2P Expansion, and Digital Euro Integration, July 2025
  • Europe: AI-Driven MCA Growth, PSP Consolidation, and Regulatory Alignment via PSD3, July 2025
  • Europe: Digital Euro, MiCA Regulation, Innovation Framework, and AI-Driven Payments, July 2025
  • Europe: AI Fraud Prevention, Biometric Authentication, and Tokenized Checkout Solutions, July 2025
  • Europe: Deepfakes, Synthetic Identities, and Onboarding Manipulation in AI-Driven Payments, July 2025
  • Europe: Multi-Channel Deception, AI Disinformation, and Detection Strain in Fraud Landscape, July 2025
  • Europe: Fraud Prevention, Chatbot Automation, Personalization, and Process Efficiency, July 2025
• 5.2. European AI Use Cases, Trust, Regulation & Governance
  • Europe: AI Use Cases in Risk and Compliance Functions, in % of Respondents, Aug - Sep 2024
  • Europe: Personal and Work Adoption of Top Generative AI Use Cases, in % of Respond., June - Aug 2024
  • Europe: Employee Views on Generative AI's Workplace Outcomes, in % of Respondents, June - Aug 2024
  • Europe: Top Public Concerns About Generative AI Use, in % of Respondents, June - August 2024
  • Europe: Use of Generative AI by Task Type, in % of Respondents, June - August 2024
  • Europe: Employee Expectations of AI Job Displacement by Country, in % of Respondents, June 2025
  • Europe: AI Agent Integration into Operational Workflows by Country, in % of Companies, June 2025
  • Northern & Western Europe: Trust and Acceptance of AI by Country, in % of Resp., Nov 2024 - Jan 2025
  • Southern & Eastern Europe: Trust and Acceptance of AI by Country, in % of Resp., Nov 2024 - Jan 2025
  • Northern & Western Europe: Views of AI Benefits Over Risks, in % of Rsp. by Country, Nov 2024 - Jan 2025
  • Southern & Eastern Europe: Views of AI Benefits Over Risks, in % of Rsp. by Country, Nov 2024 - Jan 2025
  • Northern & Western Europe: Regular Use & Trust of AI at Work by Country, in % of Resp., Nov 2024 - Jan 2025
  • Southern & Eastern Europe: Regular Use & Trust of AI at Work by Country, in % of Resp., Nov 2024 - Jan 2025
  • Nordics: Regulatory Burdens, Leadership Gaps, and Limited AI Agent Adoption in GenAI, July 2025
  • UK & Nordics: Perception & Adoption of GenAI Among Business Leaders, in % of Respondents, Sept. 2024
  • Germany & Nordics: Concerns and Experimentation Levels in GenAI Adoption, in % of Resp., Sept. 2024
  • Netherlands & Nordics: Perceived Barriers and Trust Levels in GenAI Adoption, in % of Resp., Sept. 2024
  • North. & West. Europe: Share Citing a Need for AI Regulation by Country, in % of Resp. Nov 2024 - Jan 2025
  • South & East. Europe: Share Citing a Need for AI Regulation by Country, in % of Resp. Nov 2024 - Jan 2025
  • Europe: GPAI-Driven Consumer Risks from Accountability Gaps, Data Bias, and Manipulation, July 2025
  • Europe: Institutional, Regulatory, and Technical Obstacles to AI Integration, July 2025
  • Europe: GPAI Explainability Limits, ICT Risks, and Talent Shortages in Banking Sector, July 2025
  • Europe: AI Transparency, Third-Party Oversight, ICT Risk, and Ethical Use Requirements, July 2025
  • Europe: AI Act Risk Model, E-Commerce Adoption, and Early Implementation via AI Pact, July 2025
  • Europe: Gen AI Productivity Gains, Model Deficit, Infrastructure Gaps, and Energy Demand, July 2025
  • Europe: AI Semiconductor Design, Cloud Infrastructure, Raw Material Supply, July 2025
  • Europe: Advancing AI Governance Through Funding, Regulation, and Innovation, July 2025
  • Europe: Cloud Dependency, Modular AI Architecture, and Strategic Investment Priorities, July 2025
  • Europe: AI Act, Regulatory Sandboxes, Testing Environments, and Data Space Strategy, July 2025
• 5.3. Country-Level AI Adoption, Barriers, and Strategies
  • UK: Deepfake Scams, Fintech Vulnerabilities, and Enforcement Gaps in AI-Driven Fraud, July 2025
  • UK: Executive Impersonation and Cross-Border Risks in AI-Driven Corporate Fraud, July 2025
  • Germany: Top-Reported Benefits of GenAI Adoption, in % of Respondents, March 2025
  • Germany: Top-Reported Barriers of GenAI Adoption, in % of Respondents, March 2025
  • Germany: GenAI Strategy Implementation Status Among Enterprises, in % of Respondents, 2024 & 2025
  • Germany: Top Barriers to Trusted AI Implementation Among Enterprises, in % of Respondents, March 2025
  • Germany: eCrime Threat Vectors in Digital Systems, in % of Respondents, May 2024
  • France: GenAI Confidence, Regulatory Clarity, Talent Gaps, and Infrastructure Limitations, July 2025
  • France: Top GenAI Adoption Inhibitors vs. Global Baseline, in % Point Difference, January 2025
  • Spain: Structural Barriers to AI Adoption, SME Limitations, and Fragmented Digital Strategy, July 2025
  • Spain: Company Focus on Tech Investment and Strategic Digital Transformation, in % of Res., July 2025
  • Poland: Institutional Gaps, SME Resistance, and AI Barriers in Competitiveness Context, July 2025
  • Poland: AI Investment Perception by Company Size, in % of Respondents, June 2025

6. Europe: B2B E-Commerce & Digital Trade

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

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

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