Middle East Digital Commerce & Payments in the Age of AI Research Report 2025: How is B2C E-Commerce Evolving Through 2026, and Which Markets Including KSA, UAE, and Israel are Driving Growth? - ResearchAndMarkets.com

DUBLIN--(BUSINESS WIRE)--The "Middle East Digital Commerce & Payments in the Age of AI, 2025" report has been added to ResearchAndMarkets.com's offering.

This report analyzes how E-Commerce, digital payments, and artificial intelligence are reshaping retail and financial services, covering Saudi Arabia, the UAE, Israel, Qatar, Kuwait, Iran, Jordan, Bahrain, and Oman.

Middle East Accelerates Online Retail and Mobile-First Purchasing

Weekly online shopping continues to grow across the region as mobile-first behavior strengthens. In Saudi Arabia, over half of Internet users shopped online weekly in 2023, highlighting deep digital adoption. Seasonal demand further boosts activity, with the UAE recording the region's highest average online order value during Ramadan 2024.

Digital Payments Gain Momentum as Wallets and Mobile Commerce Expand

Digital payment usage is rising rapidly as consumers shift toward app-based transactions. Digital wallets accounted for one fifth of online spending in MENA in 2023, while mobile commerce is expected to represent 70% of online transaction value by 2025. Markets such as the UAE and Iran show widespread cashless payment usage.

AI Investment Deepens as Gulf Nations Drive Enterprise Adoption

AI deployment is expanding across commerce and financial services, supported by national strategies in Gulf countries. Organizations increasingly use Generative AI for automation, analytics, fraud detection, and logistics. Differences in enterprise readiness, skills, and governance continue to shape the pace of adoption.

Key Questions Answered

• How is B2C E-Commerce evolving in the Middle East through 2026, and which markets including Saudi Arabia, the UAE, and Israel are driving growth?
• How did consumer shopping behavior and spending change during Ramadan 2023 and 2024 in Saudi Arabia and the UAE?
• How are digital payments, mobile commerce, and digital wallets shaping Middle East transaction trends heading into 2025?
• How are Saudi Arabia, the UAE, and Qatar adopting generative AI in commerce and financial services in 2024 and 2025, and what risks affect readiness?
• How are AI, cloud, data, and talent investments supporting the Middle East's digital transformation across retail and finance in 2024 and 2025?

Companies Featured

• Amazon
• Nice One
• Noon
• Temu
• AliExpress
• Lulu Shopping
• Flipkart
• Splash Fashions
• Rami-Levy
• Emirates NBD
• Careem Pay
• Aramex
• Etisalat
• IBM
• Microsoft
• Google
• NVIDIA

Key Topics Covered:

1. Key Takeaways

2. Management Summary

3. Middle East: B2C E-Commerce & Payments Overview

3.1. Middle East Market Size and Regional Growth Trends

• MENA: B2C E-Commerce Market Overview and Trends, March 2024
• MENA: B2C E-Commerce Market Size, in USD billion, 2021, 2022 & 2026f
• MENA: Increase in Order Value During Ramadan, by Country, in USD, April 2024
• MENA: Increase in Online Purchases During Ramadan, by Product Category, in %, Q1 2024
• KSA & UAE: Share of Respondents Who Shop Online During Ramadan, in %, 2023e
• KSA & UAE: Share of Respondents Who Shop Online Weekly or Daily During Ramadan, in %, 2023e
• KSA & UAE: Share of Respondents Who Plan to Shop Online More Frequently During Ramadan, in %, 2023e
• KSA & UAE: Share of Respondents Who Plan to Shop Less Frequently in Person During Ramadan, in %, 2023e

3.2. Middle East Leading E-Commerce Markets

3.2.1. Saudi Arabia

3.2.2. United Arab Emirates

3.2.3. Israel

3.3. Emerging Markets Across the Middle East

3.3.1. Iran

3.3.2. Qatar

3.3.3. Kuwait

3.3.4. Jordan

3.3.5. Bahrain

3.3.6. Oman

3.4. Middle East Digital Payments & Economy Infrastructure

4. Middle East: AI & Automation in Commerce

4.1. AI Adoption & Seller Readiness in the Middle East

• Middle East: Organizational AI Adoption Speeds, in % of Respondents, Oct-Dec 2024
• Middle East: AI Implementation Levels by Business Function, in % of Respondents, Oct-Dec 2024
• GCC & Middle East: Companies' GenAI Adoption, in % of Respondents, October-November 2024
• GCC: GenAI Adoption by Business Function, in % of Respondents, May 2024
• GCC: AI Strategies, Infrastructure Development, and Capability Gaps by Maturity Segment, July 2025
• GCC: Country-Level AI Progress in Investment, Infrastructure, and Capability Building, July 2025
• Saudi Arabia: GenAI Readiness, Infrastructure Scale-Up, and Sector-Specific Application Rollout, July 2025
• UAE: AI Integration Across Aviation, Retail, Financial Services, Logistics, and Telecommunications, July 2025
• UAE: AI-Driven Operational Scaling, Analytics Deployment, and Capability Development, July 2025
• UAE: AI Talent Development via Youth Initiatives, Workforce Reskilling, and Institutional Support, July 2025
• UAE: Strategic Partnerships, Scalable Infrastructure, and Innovation in National AI Landscape, July 2025
• UAE: Centennial 2071 Vision, Interagency AI Execution, and Adaptive Digital Regulation, July 2025
• Qatar: AI Market Value, in QAR billions, 2024e & 2030f
• Qatar: AI Investments, Localized Language Tools, Urban Tech Initiatives, and SME Support, July 2025

4.2. Impact, Investment, And Business Value in the Middle East

• GCC & Mid. East: Expectations for Profit Impact of GenAI, in % of Resp. Anticipating Net Increase, Oct-Nov 2024
• GCC & Mid. East: Net Increase from GenAI Adop. Across Five Business Metrics, in % of Resp., Oct-Dec 2024
• MENA: AI-Driven IT Spending Growth, in USD billions, 2024 & 2025f
• META: AI Spending and Growth Outlook, in USD Billions, 2024 & 2028f
• MENA: Projected GDP Share from AI vs. Other Sources, in % of Total GDP, 2030e
• Middle East: AI Value Measurement Practices by Country, in % of Respondents, Oct-Dec 2024
• Middle East: Data Capability Enhancements for AI, in % of Respondents, Oct-Dec 2024
• GCC: GenAI Economic Impact, Top Use Cases, Strategic Enablers, and Deployment Barriers, July 2025
• Saudi Arabia & UAE: AI Investment Priorities by Value Chain Segment, in % of Respondents, Aug 2024
• Saudi Arabia & UAE: Current & Future Gen AI Investment Plans by Business Function, in % of Org., Aug. 2024
• Saudi Arabia & UAE: Gen AI Investment Allocation, in % of Organizations, August 2024
• Saudi Arabia & UAE: Most Strategic GenAI Technology Partners by Type, in % of Respondents, Aug 2024

4.3. Use Cases and Operational Applications in the Middle East

• Middle East: Top AI Applications in Daily Operational Use, in % of Respondents, Oct-Dec 2024
• MENA: AI-Driven Personalization, Risk Management, and National Investment in Financial Services, July 2025
• MENA: AI-Driven Personalization, Risk, Fraud Detection, and Compliance in Financial Services, July 2025
• Middle East: GenAI in Fraud Detection, Risk, Customer Engagement, and Financial Automation, July 2025
• Middle East: GenAI Automation, Service Gains, and Talent Gaps in Financial Sector Strategy, July 2025
• Saudi Arabia: Leading GenAI Use Cases by Application Type, in % of Respondents, Oct-Dec 2024
• UAE: Leading GenAI Use Cases by Application Type, in % of Respondents, Oct-Dec 2024
• Qatar: Leading GenAI Use Cases by Application Type, in % of Respondents, Oct-Dec 2024

4.4. Barriers, Risks, and Governance in the Middle East

• Middle East: Barriers to AI Development and Deployment, in % of Respondents, Oct-Dec 2024
• Middle East: Challenges in Attracting AI Talent by Country, in % of Respondents, Oct-Dec 2024
• Middle East: Linguistic Barriers, Cloud Gaps, Talent Cost Pressures, and Regulatory Challenges, July 2025
• Middle East: Budget Overruns, Financial Planning Deficits, and AI Project Termination Risks, July 2025
• GCC: Top Risks of Generative AI Adoption, in % of Respondents, Aug-Sep 2024
• Middle East: AI-Related Operational Threat Levels by Country, in % of Respondents, Oct-Dec 2024
• Middle East: AI-Powered Financial Threat Detection, TPRM Pilots, and Infrastructure Security, July 2025
• Middle East: AI Risk Management Measures, in % of Respondents, Oct-Dec 2024
• Middle East: AI Preparedness Levels by Organizational Areas, in % of Respondents, Oct-Dec 2024
• MENA: AI Regulation in Finance via Ethics Principles, Data Laws, and Innovation Sandboxes, July 2025
• Saudi Arabia & UAE: Data-Related Barriers Slowing AI Adoption in Finance, in % of Org., August 2024
• Saudi Arabia & UAE: Data-Related Barriers Slowing AI Adoption in Retail & Wholesale, in % of Org., Aug. 2024
• Saudi Arabia & UAE: Data-Related Barriers Slowing AI Adoption in Hospitality & Accommodation, in % of Org., August 2024
• Saudi Arabia & UAE: Data-Related Barriers Slowing AI Adoption in Media, Entertainment & Gaming, in % of Org., August 2024
• Saudi Arabia & UAE: Data-Related Barriers Slowing AI Adoption in Government, in % of Org., August 2024
• Saudi Arabia & UAE: Barriers to Accelerating GenAI Adoption, in % of Organizations, August 2024
• Saudi Arabia & UAE: Availability Status of Responsible AI Policies, in % of Respondents, August 2024
• Saudi Arabia & UAE: Awareness of Key Government-Led AI Initiatives, in % of Respondents, Aug 2024
• Saudi Arabia: GenAI Risks in Data, Labor, Society, Sovereignty, and AI Integrity, July 2025

For more information about this report visit https://www.researchandmarkets.com/r/pp3n9a

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