North America’s B2C and B2B e-commerce, payments, and AI markets are undergoing significant transformation, according to a new report from ResearchAndMarkets.com. The analysis highlights growing digital commerce adoption, shifting payment preferences, and rapid AI integration across industries, despite ongoing challenges in governance and infrastructure. The U.S. B2C e-commerce market is projected to exceed $1.5 trillion by 2028, driven by increasing consumer reliance on online and mobile shopping. Amazon and Walmart are expected to collectively capture about two-thirds of online sales by 2029, underscoring rising market concentration. Canada’s e-commerce growth is more moderate, reflecting differences in digital adoption rates and infrastructure. In the payments space, digital wallets are gaining traction, especially in mobile and online transactions, yet traditional cards continue to lead in revenue. Debit cards remain the most widely used payment method, while wallet adoption varies across channels. Persistent barriers include fragmented merchant acceptance, limited loyalty program integration, and inconsistent use of buy-now-pay-later (BNPL) services. AI adoption is accelerating across commerce and financial services, fueled by enterprise demand for automation and efficiency. The U.S. leads in large-scale implementation, while Canada’s progress is more regionally uneven. However, many organizations still face challenges in data quality, workforce readiness, and establishing robust responsible AI frameworks. The B2B e-commerce sector is expanding rapidly, with U.S. sales surpassing $2 trillion in 2023. Amazon Business holds a dominant position in the marketplace landscape, but adoption remains uneven. Many businesses still rely on digital procurement platforms partially due to concerns around user experience, transparency, and integration complexity. The report also examines the impact of U.S. tariffs on cross-border e-commerce, noting shifts in supply chains, manufacturing, and payment systems. Companies are adapting through strategic realignments, increased use of blockchain, and exploration of alternative payment solutions to mitigate compliance costs and operational disruptions. Key findings include rising organizational maturity in generative AI adoption, increasing investment in AI strategies, and growing awareness of regulatory risks. Despite this, barriers such as lack of skilled talent and unclear governance remain widespread. The report provides detailed insights into market trends, competitive dynamics, consumer and business behavior, and technological innovation across the U.S. and Canada. It serves as a comprehensive resource for stakeholders in retail, fintech, enterprise technology, and digital trade.