代理式电商、AI编排与自主支付市场2026：样本报告

AI adoption increases globally between 2023 and 2025 asorganizations accelerate operational integration across businessfunctions and digital workflows. Global: Organizations Using AI in at Least One Business Function, in % of Respondents, 2023-2025 European financial institutions expand AI adoption in 2025 toautomate payment workflows, strengthen fraud detection, andmodernize core banking infrastructure. Europe: AI-Driven Payment Automation, Fraud Detection, and Core Infrastructure Upgrades, May 2026 AI-PoweredEnhancementsinDigitalPaymentProcessesAcrossEuropeRecentfintechconferencesinEuropehavemadeitclear:artificialintelligenceisnolongeraconceptonthehorizon,it’sactively reshapingdigitalpaymentoperations.As reportedbyForrester,companieslike ArvaAIandIntuitechareleadingthis shiftby deployingAI-drivenautomationtoolsthatstreamlinecustomeronboarding,loanprocessing,andcompliancetasks.TheseAIagents IntegrationofMulti-ComponentAIFrameworksforFinancialWorkflowsEuropeanfintechinnovatorsaregoingbeyondsimpleautomation.AccordingtoForrester,firmslikeIntrepidFoxareintegrating multipleAItechnologies,fromchatbotsandpredictiveanalyticstodocumentextractionandinternalsystemintegration,totransform entirefinancialworkflows.Thiscohesiveapproachnotonlyboostsoperationalefficiencybutalsosupportsregulatorycomplianceand GenAIDrivingInfrastructureModernizationinBankingGenerativeAIisalsofindingitsplaceinthecomplexworldofcorebankinginfrastructure.ToolslikeTuringBotsarebeginningto assistdevelopers withtaskssuchascodegeneration anddocumentation.Whilethesetoolsaren’tyeta perfectfitforlegacyprogramminglanguageslikeCOBOL,TweezrasForresterhighlighted asanexampleofasolutionbridgingthatgap.TheirAI RiskDetectionandComplianceasCoreUseCasesBeyondproductivitygains,AIisplayingagrowingroleinmanagingrisk.AccordingtoForrester,anewwaveoftoolsishelping financialinstitutionsdetectfraudandpreventcomplianceissuesbyscanninguploadeddocuments,checkingonlinepresence,andpullingdatafromofficialdatabases.Thesetechnologiesarebecomingessentialinbuildingtrustwithusersandstrengtheninginternal GENERAL METHODOLOGY OF MARKET REPORTS SecondaryMarketResearch Thereportsarecompiledbasedonsecondarymarketresearch.Secondaryresearchisinformationgatheredfrompreviouslypublishedsources.Ourreportsarebasedoninformationanddataacquiredfrom nationaland international statisticaloffices,industryandtradeassociations,businessreports,business andcompanydatabases,journals,companyregistries,newsportalsandmanyotherreliablesources.Byusingvarioussourcesweensuremaximumobjectivityforreporteddata.Asaresult,companiesgainapreciseandunbiasedimpressionofthemarketsituation. Crossreferencingofdataisconductedinordertoensurevalidityandreliability. Thesourceofinformationanditsreleasedateareprovidedoneverychart.Itispossiblethattheinformationcontainedinonechartisderivedfromseveralsources.Ifthisisthecase,allsourcesarementionedonthechart. Thereportsincludemainlydatafromthelast12monthspriortothedateofreportpublication.Exactpublicationdatesarementionedineverychart. Definitions ThereportstakeintoaccountabroaddefinitionofB2CE-Commerce,whichmightincludemobilecommerce.Asdefinitionsmayvaryamongsources,exact ChartTypes Ourreportsincludetextcharts,piecharts,barcharts,rankings,linegraphsandtables.EverychartcontainsanActionTitle,whichsummarizesthemainidea/findingofthechartandaSubtitle,whichprovidesnecessaryinformationaboutthecountry,thetopic,unitsormeasuresofcurrency,andtheapplicabletimeperiod(s)towhichthedatarefers.Withrespecttorankings,itispossiblethatthesummationofallcategoriesamountstomorethan100%.Inthiscase,multiple ReportStructure Reports are comprised of the following elements,in the following order:Cover page,preface,legal notice,methodology,definitions,table of contents,managementsummary(summarizingmaininformationcontained ineachsectionofreport)andreportcontent(divided intosectionsandchapters).Whenavailable,wealsoincludeforecastsinourreportcontent.Theseforecastsarenotourown;theyarepublishedbyreliablesources.WithinGlobalandRegional NotesandCurrencyValues Ifavailable,additionalinformationaboutthedatacollection,forexamplethetimeofsurveyandnumberofpeoplesurveyed,isprovidedintheformofanote.In TABLE OF CONTENTS (1 OF 9) 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 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,