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North America B2C & B2B E-Commerce, Payments & AI Market Analysis Report 2026: Payments Landscape Shifts as Wallet Usage Rises but Cards Maintain Revenue Lead - ResearchAndMarkets.com

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AMZN Amazon is projected to control roughly two-thirds of online sales in North America by 2029, indicating significant market dominance and growth in the e-commerce sector. WMT Walmart is projected to control roughly two-thirds of online sales in North America by 2029, alongside Amazon, highlighting its strong position and expected growth in the e-commerce market.

DUBLIN--( BUSINESS WIRE)--The "North America B2C & B2B E-Commerce, Payments & AI" report has been added to ResearchAndMarkets.com's offering.

This report analyzes how digital commerce, the evolving payments landscape, artificial intelligence, and B2B digital trade are reshaping retail, financial services, and enterprise operations across North America, providing in-depth coverage of market development, transaction infrastructure, consumer and business behavior, AI integration, and cross-border digital trade across the United States and Canada.

North America's Digital Commerce Growth Continues as Market Concentration Increases

North America's digital commerce sector continues expanding as consumer behavior shifts further toward online and mobile channels. U.S. B2C E-Commerce is expected to surpass USD 1.5 trillion by 2028, while Amazon and Walmart are projected to control roughly two-thirds of online sales by 2029, reinforcing platform concentration. Canada's growth remains steadier, reflecting different market conditions and adoption levels.

Payments Landscape Shifts as Wallet Usage Rises but Cards Maintain Revenue Lead

The region's payments ecosystem is evolving as digital wallets gain ground across online and mobile environments. Cards continue to dominate revenue, with debit cards leading usage, while wallet adoption grows unevenly by channel. Structural barriers persist, including fragmented acceptance, loyalty challenges, and inconsistent BNPL uptake.

AI Deployment Accelerates Across Commerce and Finance Despite Governance Gaps

AI adoption is expanding rapidly across commerce and payments, driven by enterprise investment and automation needs. The U.S. leads large-scale deployment, while Canada's progress varies by region. However, governance maturity remains limited, with organizations facing ongoing challenges in data quality, skills readiness, and responsible AI frameworks.

B2B E-Commerce Expands Through Marketplaces While Integration Challenges Remain

North America's B2B E-Commerce market continues to scale as digital procurement and marketplaces grow. U.S. B2B E-Commerce exceeded USD 2 trillion in 2023, with Amazon Business holding a dominant position. Yet adoption remains uneven, as many firms still rely on marketplaces only partially due to persistent experience and transparency gaps.

Key Questions Answered

Companies Featured

Key Topics Covered:

1. Key Takeaways

2. Management Summary

3. North America: B2C E-Commerce Overview

3.1. B2C E-Commerce Market

3.2. Major Players & Social Commerce

3.3. Tariffs Impact on North America & Global E-Commerce

4. North America: Digital Payments Ecosystem

4.1. Market Size, Revenue & Payment Mix

4.2. Consumer Digital Payment Adoption & Preferences

4.3. Transaction Values, Payment Types & BNPL

5. AI in Automation & Commerce

5.1. AI Adoption & Readiness

5.1.1. North America

5.1.2. U.S.

5.1.3. Canada

5.2. AI Functional Use Cases & Economic Impact

5.2.1. North America

5.2.2. U.S.

5.2.2. Canada

5.3. Performance, Evaluation, & Responsible AI

6. North America: B2B E-Commerce & Digital Trade

6.1. B2B E-Commerce Market Size, Growth & Structure

6.2. B2B Marketplace, Buyer Behavior & Key Players

6.2.1. North America

6.2.2. U.S.

6.3. B2B Marketplaces & Payments Landscape

For more information about this report visit https://www.researchandmarkets.com/r/9176s8

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