AI in Asia's E-Commerce and Payments Analysis Report 2025 | Adoption, ROI, Risk, and Governance Outlook - Adoption Spurs Growth and Risk Mitigation, but Highlights Regional Gaps and Cost Barriers - ResearchAndMarkets.com

The "AI in Asia's E-Commerce and Payments: Adoption, ROI, Risk, and Governance Outlook 2025" report has been added to ResearchAndMarkets.com's offering.

AI Adoption in Asia's E-Commerce and Payments Spurs Growth and Risk Mitigation, but Highlights Regional Gaps and Cost Barriers.

AI Gaps Persist in Asia's E-Commerce Sector

AI adoption across Asia's E-Commerce landscape remains uneven. India and China are ahead, but Southeast Asia is still catching up. According to Lazada Group, by February 2025, only 25% of sellers in the region had fully integrated AI, while 50% remained in early-stage development. This reflects a pressing need for better infrastructure and support.

Basic AI Tools Dominate, Advanced Use Still Rare

Most sellers rely on chatbots, while adoption of advanced tools like predictive analytics is still limited. Sellers fall into three groups, Adepts, Aspirants, and Agnostics each with different levels of readiness. Lazada Group highlights that cost (64%) and uncertainty (61%) are major barriers, slowing down broader implementation.

AI Adoption Raises Efficiency And Risk

AI boosts performance but also exposes vulnerabilities. In 2024, AI-related fraud jumped by over 200% in Singapore, Thailand, and Indonesia, according to TechNode. Financial players are responding with biometric checks, fraud analytics, and AI-powered alerts to safeguard digital payments.

Questions Covered

• What share of companies in Asia reported regular use of AI systems in 2025?
• Which SEA country had the highest share of AI adoption among E-Commerce sellers in 2025?
• What challenge did firms in Asia-Pacific face when implementing AI-driven fraud systems in 2025?
• How did ROI perceptions differ between AI Adepts and AI Agnostics in SEA in 2025?
• What was the leading AI function used by sellers in Asia in late 2024?

Key Topics Covered:

1. Key Takeaways

2. Management Summary

3. AI Adoption Landscape & Regional Patterns

3.1. Regional Adoption Benchmarks

• Asia: Adoption of AI Systems by Country, in % of Resp. Reporting Regular Use*, Nov 2024 - Jan 2025
• SEA: Share of E-Commerce Sellers by Level of AI Adoption, in % of Resp., February 2025
• SEA: Claimed vs Actual AI Adoption Rates by E-Commerce Sellers, in % of Respond., 2025

3.2 Seller Segmentation & Barriers

• Asia: Perception of AI Benefits Over Risks, in % of Respondents by Country, Nov 2024 - Jan 2025
• SEA: Seller Perceptions of AI Benefits, in % of Respondents, February 2025
• SEA: Barriers to AI Adoption Among Online Sellers, in % of Respondents, February 2025
• SEA: Share of AI Adepts by Country, in % of E-Commerce Sellers, February 2025
• SEA: Share of AI Agnostics by Country, in % of E-Commerce Sellers, February 2025
• SEA: Share of AI Aspirants by Country, in % of E-Commerce Sellers, February 2025
• SEA: Key Areas to Improve Seller Experience Among AI Agnostics, in % of E-Com. Sellers, Feb. 2025
• SEA: Key Areas to Improve Seller Experience Among AI Aspirants, in % of E-Com. Sellers, Feb. 2025
• SEA: Key Areas to Improve Seller Experience Among AI Adepts, in % of E-Com. Sellers, Feb. 2025

3.3 Regional Country Deep Dive

• Singapore: AI Adoption by Tool Type Among E-Commerce Sellers, in % of Resp. Using Each Tool, Feb. 2025
• Malaysia: AI Adoption by Tool Type Among E-Commerce Sellers, in % of Resp. Using Each Tool, Feb. 2025
• Indonesia: AI Adoption by Tool Type Among E-Commerce Sellers, in % of Resp. Using Each Tool, Feb. 2025
• Thailand: AI Adoption by Tool Type Among E-Commerce Sellers, in % of Resp. Using Each Tool, Feb. 2025
• Philippines: AI Adoption by Tool Type Among E-Commerce Sellers, in % of Resp. Using Each Tool, Feb. 2025
• Vietnam: AI Adoption by Tool Type Among E-Commerce Sellers, in % of Resp. Using Each Tool, Feb. 2025

4. Functional Use Cases & Economic Impact

4.1. E-Commerce Seller Operations

• SEA: AI Adoption by Business Function and Readiness Group, in % of Functions, Feb. 2025
• SEA: AI Tool Usage, Functional Adoption Levels, and Seller Readiness by Market, 2025
• SEA: Share of E-Commerce Sellers Using Selected AI Tools, in?% of Resp., February 2025
• APAC: Consumer Usage of Offline, Digital, & AI Channels for Product Discovery, in % of Resp., 2024
• SEA: Enablers of AI Adoption in E-Commerce and Digital Payments, April 2025
• SEA: Average Cost Reduction from AI/GenAI, in % of Total Costs, 2023 & 2027
• SEA: Average Revenue Growth from AI/GenAI, in % Revenue Growth, 2023 & 2027

4.2. Payments & FinTech Use Cases

• Asia: AI Applications in Credit Inclusion, Finance Automation, and Procurement Innovation, April 2025
• Asia: AI-Driven Cloud Banking, Investment Analytics, and Vertical B2B Financial Solutions, April 2025
• APAC: AI Integration, Stablecoin Cards, Tokenised Transfers, and Micro-Merchant Access, June 2025

5. Risk Management, Trust & Security

5.1 Fraud & Threat Trends

• SEA: Year-over-Year Increase in AI-linked Fraud Rate, in %, 2024
• APAC: Synthetic Identity Fraud, Deepfakes, Verification Gaps and Country Trends in FinTech, 202

5.2 Detection Tools & Risk Models

• SEA: AI Detection with 80%+ False Positives, Generative AI for Alerts and Support, 2024
• SEA: Risk-Scoring Models, Network Analytics, and Data-Sharing Efforts, 2024
• APAC: AI in Fraud Detection, Real-Time Payment Security, and Biometric Authentication, July 2025
• APAC: AI-Driven Enterprise Fraud Management, Identity Verification, and Integration Challenges, July 2025

5.3 Trust & Readiness

• Asia: Intentional Use and Trust of AI at Work by Country, in % of Respondents, Nov 2024 - Jan 2025
• Asia: Trust and Acceptance of AI Systems by Country, in % of Respondents, Nov 2024 - Jan 2025
• APAC: Consumers' AI Trust by Activity Type, in % of Respondents, 2024

5.4 Regulation & Compliance

• Asia: Cyber Defence, Identity Risk Management and Compliance Automation via AI, April 2025
• APAC: Financial Crime Regulation, Synthetic Identity Laundering, and AI Compliance Strategy, July 2025
• 6. Competitive Landscape & Strategic AI Movement

6.1 Market Scale & Activity

• Asia: Funding for AI-Driven FinTech Companies, in USD billions, 2023-2025f
• Asia: Number of AI-Driven FinTech Companies, in thous., in % of Total FinTech Comp., 2023, 2025e
• Asia: Top Countries of AI FinTech Companies, in % of Total AI FinTech Companies, 2025
• Asia: Cross-Border Integration, Market Entry, Strategic Exit and Global Partnerships via Alipay+, 2024
• APAC: Visa AI Commerce, Mastercard Agent Pay, Shopper Trends, and Market Positioning, May 2025

7. AI Governance, Regulation & Innovation Enablers

7.1 Public & Private Sector AI Initiatives

• Asia: Public & Private Drivers of AI Governance, Infrastructure and Experimentation in Finance, 2025
• Asia: AI Sandboxes and Capacity-Building Programs in Four Economies, 2025
• Asia: AI-Focused Regulatory Sandboxes and Innovation Hubs in Four Financial Markets, 2025

7.2 Regional AI Innovation Frameworks

• Asia: AI Innovation Facilitators, Financial Inclusion, Regulatory Insight and Risk Management, 2025
• Asia: Regulatory Frameworks for AI Innovation, Market Fit, Coordination, and Expertise, 2025
• Asia: Design, Resource, and Oversight Barriers of AI Innovation Facilitators in Financial Markets, 2025
• Asia: Development of AI Experimentation Platforms and Governance Across Multiple Sect., 2025
• APAC: AI Strategy in Anti-Financial Crime, Predictive Capabilities, and Governance Priorities, July 2025
• SEA: Infrastructure, Talent, and Regulatory Barriers Impacting AI Adoption, April 2025
• SEA: Sectoral and Country-Level AI Contributions to Economic Growth, April 2025 

A selection of companies mentioned in this report includes, but is not limited to:

• Amazon
• Ant International / Alipay+
• Apple
• Auquan
• Cowbell Cyber
• Entera
• Enova
• GCash
• Grab
• Gynger
• HighRadius
• Internet Soft
• Kakao Pay
• Kensho (S&P Global)
• LINE Pay
• Lazada Group
• Lendbuzz
• Maya
• Microsoft
• Naver Pay
• NayaPay
• OpenRice
• PayPal
• Scienaptic AI
• Singapore's COSMIC
• Socure
• Stripe
• SymphonyAI
• Tabs
• Temenos
• Tencent
• Touch 'n Go
• Toss Pay
• TrueMoney
• Visa
• Workiva
• Woori Card

For more information about this report visit https://www.researchandmarkets.com/r/ifn2pr

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